vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX Credit Bureau Dispute Dept Subject : Dispute of Charged-Off Account and Request for Validation Social Security XXXX XXXX Dear XXXX  XXXX, I am writing to formally dispute the charged-off account referenced above, which appears on my credit report and/or is the subject of collection attempts. I do not acknowledge or accept responsibility for this alleged debt and am requesting full validation and documentation to substantiate the charge-off and the balance you claim is owed. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any negative credit information and alleged debt being reported or collected. 

Please provide the following information : A copy of the original signed contract or agreement between myself and XXXX XXXX that created the alleged debt. 

A full account history and itemization showing : The original balance All payments made Dates of all charges, interest, fees, or penalties applied A detailed calculation of the amount charged off and the remaining balance The date of charge-off and how it was determined Documentation showing XXXX  XXXX still owns the debt, or if it has been sold or transferred : A full chain of title Bill ( s ) of sale or transfer agreements identifying my specific account If the account has been sold or transferred, provide the name and contact information of the current owner of the debt. 

If XXXX XXXX continues to report this account to any credit bureaus, please provide documentation to justify the accuracy and completeness of the reporting, including : The factual basis for reporting it as charged off Proof that you followed proper procedures under FCRA before furnishing this information Please note that you are obligated to report only accurate, complete, and verifiable information to credit reporting agencies. If you can not provide adequate documentation and validation of this account and the charge-off status, I request that you promptly remove it from all consumer credit reporting agencies to whom it has been furnished. 

This is a formal dispute of the reported charge-off. I request your full response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I had been using SoFi for a while to try it out, and after a period of light usage, I made the decision to transition it into my primary banking relationship. SoFis marketing and incentivesincluding high-yield savings, rewards for switching direct deposit, and promises of early paycheck accessled me to believe that doing so would be in my best interest.

As is common when switching banks, my first paycheck after initiating direct deposit was issued by paper check while the new setup was being verified. This is a routine and foreseeable scenario, and I contacted SoFi proactivelybefore receiving the checkto confirm their deposit policies.

Despite my efforts to prevent an issue, I was told : My account was subject to a {$1500.00} daily mobile deposit limit, which my check exceeded.

There was no way to temporarily raise the limit, even for a payroll check.

Funds from the mobile deposit would be held for 25 business days.

No other deposit options were availableno mail-in process, no ATM, and no in-person alternatives.

I was advised to either ask my employer to break up the check ( which was not possible ) or to deposit it at another bank and transfer the funds into SoFi.

This meant I was unable to access my wages in a timely manner, despite being a responsible and proactive customer. I had chosen SoFi based on their promises to make banking easier, but their system was not equipped to handle a basic and predictable situation tied to switching banks. 

When I expressed my dissatisfaction and asked to file a formal complaint, I was offered XXXX SoFi reward points ( equivalent to {$10.00} ). However, those points were never deposited into my accountonly compounding the sense of being dismissed and unsupported.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES : XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
A {$10.00} transaction was sent to me on XX/XX/year> from my college roommate who is now home in the XXXX. He titled the note " cuban rum '', for reasons unknown. CashApp flagged the transaction as suspicious and has frozen my account and other funds in the account for over a week and a half now. I was originally told that it would be resolved in XXXX hours. After several phone calls and emails, someone emailed asking what type of rum and from which country did it originate. As I have explained to them more than 5 times, there was no rum sold. My roommate owed me {$10.00} from losing a bet. I still have not gotten a reply as to when this will be resolved and I need the funds in my account. There should be no reason why it would take almost 2 weeks to investigate a {$10.00} transaction with no estimated time of resolution or even a way to escalate the issue while withholding all the other funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX account Is not mine I don't owe anything to nationwide recovery service. Im requesting immediate action be taken asap. They have placed this on my report before and I sent in ftc report I even called them letting them know this is not my account they removed it then suddenly added it back. 
I WILL FILE IMMEDIATE LEGAL ACTION IF THIS IS NOT REMOVED IN XXXX BUSINESS DAYS THIS IS TOTALLY UNACCEPTABLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Triton Recovery Group
State: OK

Complaint narrative:
On XX/XX/year>, I reached a reinstatement agreement with XXXX XXXX XXXX regarding an Olympus Lending merchant cash advance. I paid {$1600.00} immediately that day and continued making weekly payments of {$500.00} on XX/XX/XXXX and XX/XX/XXXX. I have written confirmation from their representative XXXX XXXX that the payment arrangement was reinstated. 

Despite this, XXXX continued XXXX enforcement and coordinated with my credit card processor ( XXXX  ) to withhold funds totaling {$2900.00} and growing. I was never informed of a new default, and I only learned of the continued XXXX after my processor froze access to my funds, crippling my operations. 

I am a combat XXXX veteran who suffered a injuries from XXXX XXXX XXXX  in Oklahoma that XXXX XXXX XXXX of my body, and despite these hardships, I have continued making good-faith payments. 

I believe XXXX  actions constitute bad-faith collection practices and possibly tortious interference, as they are knowingly disrupting my cash flow and threatening investor confidence while I attempt to recover from medical and operational hardship. They are now demanding I " sign over '' withheld funds or settle the account under pressure, despite honoring our agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In early XX/XX/year>, Synchrony Bank closed my credit card account, citing " dishonored payments. '' On several occasions, I had scheduled payments from a checking account with insufficient funds. These payments were not blocked in advance ; instead, Synchrony allowed them to go through, and they were later reversed by the bank. Each time, I promptly repaid the full amount using a valid account. I never missed a payment in the end, and the card was always brought current. 

After the account was closed, I paid off the remaining balance, but Synchrony applied my final payment in excess of the amount due, leaving me with a {$29.00} credit balance. I called customer service and requested a refund. A representative confirmed the credit and informed me that a check would be mailed. 

Instead, I received a letter stating I had to submit a formal refund request form along with proof that I had made the {$29.00} payment, even though that payment was already reflected in my account history, which Synchrony has access to. Despite the inconvenience, I completed the form, attached proof of the payment from my checking account, and mailed it on XX/XX/year>. I also requested reimbursement for the mailing cost of {$1.00}, bringing the total requested refund to {$30.00}. 

In my written communication, I clearly requested that the refund be processed by XX/XX/year>, allowing ample time for receipt and processing. I also included all of my contact information in the letter. As of XX/XX/XXXX, I have not received the refund, nor any acknowledgment or response from Synchrony. 

I believe the delay is unjustified, especially since the overpayment is verifiable in their own system. I am requesting immediate issuance of the refund and a formal response to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief