vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Fundo LLC
State: FL

Complaint narrative:
Dear Sir/Madam, I am filing a complaint against Fundo LLC for fraudulent, deceptive, and predatory business practices.

Background Fundo LLC contacted me offering what they described as a small loan with an 8 % APR.

I was told over the phone that I would receive {$700.00} and repay it under simple loan terms. 
After I agreed, they sent me a XXXX contract that was misrepresented as a loan but in reality disguised as a XXXX XXXX XXXX ( XXXX ). 

The Fraud Instead of an 8 % APR loan, the written agreement required me to repay $ XXXX on a {$700.00} advance. 
This is not a loan it is a predatory contract with an effective interest rate in the hundreds of percent. 
Their representative fraudulently induced me into signing by misrepresenting the product. 

The Harm Fundo filed a UCC-1 lien against my business and attempted to freeze my accounts ( XXXX, XXXX XXXX XXXX and others ). 
This lien is now threatening my ability to operate financially, despite the fact that I was lied to about the terms and never would have agreed had the true repayment amount been disclosed.

Violations Fraudulent inducement / misrepresentation ( verbal statements vs. written terms ). 
Unconscionable and predatory lending terms ( {$700.00} {$4200.00} ). 
Unfair and deceptive trade practices under Florida and federal law. 

Requested Action I request that your office : 1. Investigate Fundo LLC for deceptive and fraudulent lending practices.

2. Invalidate the fraudulent UCC lien placed on my accounts.

3. Hold Fundo accountable for violating consumer protection and lending laws. 



Contact Info : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this follow-up to ensure my dispute with Equifax is properly addressed. I previously challenged several inaccurate and unverifiable accounts and inquiries on my credit report, including entries from XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. These are being reported as charge-offs or profit/loss without the issuance of a required Form 1099-C for debts exceeding {$600.00}, which makes the reporting misleading and inaccurate. In addition, there are inquiries and accounts appearing without permissible purpose, which is a violation of FCRA 604. 
Equifax responded by labeling my dispute as frivolous and refusing to reinvestigate. This response is improper. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation unless the dispute clearly qualifies as frivolous. Under FCRA 611 ( a ) ( 7 ), Equifax must also provide a specific explanation of why the dispute was deemed frivolous. Their correspondence failed to provide such an explanation, leaving me without clarity or due process.

Furthermore, FCRA 611 ( a ) ( 2 ) requires Equifax to forward all evidence I provided to the furnishers for review. I have not been given any assurance that this step was completed. Finally, under FCRA 611 ( a ) ( 5 ) ( A ), information that can not be verified must be deleted. Despite this requirement, the disputed accounts and inquiries remain on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 submitting this follow-up to ensure my dispute with Equifax is properly addressed. I previously challenged several inaccurate and unverifiable accounts and inquiries on my credit report, including entries from XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. These are being reported as charge-offs or profit/loss without the issuance of a required Form 1099-C for debts exceeding {$600.00}, which makes the reporting misleading and inaccurate. In addition, there are inquiries and accounts appearing without permissible purpose, which is a violation of FCRA 604. 
Equifax responded by labeling my dispute as frivolous and refusing to reinvestigate. This response is improper. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation unless the dispute clearly qualifies as frivolous. Under FCRA 611 ( a ) ( 7 ), Equifax must also provide a specific explanation of why the dispute was deemed frivolous. Their correspondence failed to provide such an explanation, leaving me without clarity or due process.

Furthermore, FCRA 611 ( a ) ( 2 ) requires Equifax to forward all evidence I provided to the furnishers for review. I have not been given any assurance that this step was completed. Finally, under FCRA 611 ( a ) ( 5 ) ( A ), information that can not be verified must be deleted. Despite this requirement, the disputed accounts and inquiries remain on my file.

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 2025-09-17 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: MA

Complaint narrative:
I've asked XXXX XXXX XXXX XXXX for validation of this debt to show it is actually mine several times over the past 2 years with no help or response in return

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information, Unauthorized Inquiries, and Complaint Regarding Data Breach To Whom It May Concern, I am writing to formally dispute and file a complaint regarding several matters related to my credit file with TransUnion : 1. Data Breach : I am deeply concerned about the recent TransUnion data breach that may have exposed my personal and financial information. As a consumer, I entrusted your company with safeguarding my sensitive information, and this breach raises serious concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding accuracy, privacy, and security.

2. Removal of Inaccurate Accounts : My credit file contains inaccurate and unverifiable accounts that must be immediately investigated and permanently removed. Please provide me with the method of verification you used to report and maintain these accounts. If you can not verify them with documented evidence from the original creditor, they must be deleted promptly in accordance with the FCRA. 
3. Unauthorized Inquiries : I have also identified hard inquiries on my credit report that I did not authorize. As you are aware, unauthorized inquiries negatively affect my credit score and are considered violations under the FCRA. I demand the immediate removal of all inquiries that can not be fully verified with signed authorization from me. 
Accordingly, I am demanding the following : - Immediate written confirmation of whether my personal and credit information was included in the breach. 
- Deletion of inaccurate accounts and unverifiable information from my credit file. 
- Removal of all unauthorized inquiries from my report. 
- Details of the remedial actions TransUnion is taking to protect affected consumers. 
- Free credit monitoring and identity theft protection services for no less than 24 months at TransUnions expense.

- Assurance that my consumer file remains accurate and untainted by any fraudulent activity stemming from this breach.

If I do not receive a satisfactory response within the time frame required by law, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office, in addition to pursuing any legal remedies available under the FCRA and other applicable laws. 
Please treat this matter with urgency and provide me with a detailed written response. 
Sincerely, 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 explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding a serious case of fraud involving my accounts at Truist Bank XXXXXXXX XXXX XXXX XXXX XXXXXXXX Florida XXXX Date of Incidents XXXX 2024 till XXXX XX/XX/year> Amount involved {$38000.00} With XXXX transaction funds were taken fraudulently from my Checking/Debit Card Account This Account was always refunded from my Savings Account without my Knowledge. 
This makes me believe that this is a internal fraud case at Truist Bank. 
Fraud case was recorded on XXXX XX/XX/year> but never got solved

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 2025-09-17 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile.

Disputed Closed or Charged-Off Accounts : Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-17 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: CA

Complaint narrative:
these charges are not mine an fraudulent remove from my credit files. i have attached the items were disputed by me an removed then re appeared. as a victim of identity thief the bureaus are failing after multiple attempts to block remove an protect my identity. the credit bureaus asked me to send documents verifying my identity which was my address social security card untily bill showing | residence i have lived qt more then 2 years. i have sent this in multiple timew including 2 weeks ago via certified mail. they need to be fined an immediately remove an block items which is causing me financial hardship an they keep responding they need 60 days to complete. i have been doing this same cycle for the last 10 months when my identity was stolen an these are car loans for XXXX. i am single father with XXXX XXXX  girls to take care of not this for 10 months

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 2025-09-17 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: CA

Complaint narrative:
these charges are not mine an fraudulent remove from my credit files. i have attached the items were disputed by me an removed then re appeared. as a victim of identity thief the bureaus are failing after multiple attempts to block remove an protect my identity. the credit bureaus asked me to send documents verifying my identity which was my address social security card untily bill showing | residence i have lived qt more then 2 years. i have sent this in multiple timew including 2 weeks ago via certified mail. they need to be fined an immediately remove an block items which is causing me financial hardship an they keep responding they need 60 days to complete. i have been doing this same cycle for the last 10 months when my identity was stolen an these are car loans for XXXX. i am single father with XXXX XXXX  girls to take care of not this for 10 months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
On or about XXXX my XXXX account was hacked, and most of my money was spent. 

Now I understand where the bank is coming from, as XXXX XXXX XXXX I tried to explain to them that the charges were not mine, as I had just gained access back into my account earlier that day. This all happened right after XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I contacted SoFi support and told them all transactions, except in person debit card transaction after, XXXX I believe was the date, were unauthorized, as I hadnt even been able to login to any of the sites I play on. 

They messed up the entire dispute right off the bat, and added in transactions that were not apart of the unauthorized use. I immediately contacted them again, right after confirmation email, and told them about the error. They said they would have to file a request to fix it. It was never ammended, and still is incorrect. 

Now, on XXXX, they denied the entire claim. All transactions. I then requested the information used to determine my case, because that was entirely too fast. 

The documents, which I will provide an update on, were litterally just them saying, logged into the account. Thats it. Mind you, its XXXX and I have litterally my entire life saved to XXXX. All my card info, even the XXXX XXXX Address, phone, everything. My number at the time for XXXX XXXX XXXX, was a XXXX voice number, which forwarded to my email. I showed them proof of that as well. Everything someone would need to charge whatever is on my account. They stated that they had contacted the merchants, which was a lie. 

They did however, AFTER the immediate denial, ISSUE CHARGEBACKS anyway against the merchants, but my claim was already denied. They did not inform me of this, I was informed by the merchants through email. As my accounts would be closed, cause CHARGEBACK. 

Here is my main issue, they denied my claim, because it is a XXXX XXXX  and who would believe me anyway, as i said, I do spend a lot of money on it. The differnce is, I am not lieing to get anything back, I have a good paying job, and that makes no sense, I didnt want to lose my accounts forever. 


I can get any and all documentation on this, I wasnt sure exactly how much to expose about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have ask for reinvestigation into fraudulent accounts that are on my credit report in writing. To this date I have yet to receive any reinvestigations in writing or an updated credit report/score.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I had a charge appear in my credit card statement that I do not recognize. I have disputed the charge several times already, and have requested information on what the charge is. The charge only shows a random name, it does not list what goods or services they offer. After a short period I will receive a notification that the dispute has been resolved and charge is back on my card, no communication whatsoever, nobody has ever asked me a question during dispute process. I have repeatedly asked them to at least tell me what the goods or services I reportedly purchased were, and after several requests I still have no information, and they just again closed the dispute without providing any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've ask to validate the debt I even said pursuant to The Fair Debt Collection Practice Act 15 US code 1692, To Validate if can not need to be remove and deleted from my credit report

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Subject : LVNV Funding Improper Collection Reporting Body : I dispute the LVNV Funding collection [ insert account XXXX LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.

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 2025-09-17 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: AZ

Complaint narrative:
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
there were XXXX transactions that were fraudulent throught out the course of some months and throught that time i was in a bootcamp as americans would call it and i didnt have access to my device or didnt have my card for about 7 months and all off XXXX transactions all of those transactions equals {$3300.00} and through out when i was in bootcamp charges were happening on my card without me knowing or given consent and i relized that when i got back home and when i called the bank to dispute while i was on the phone with the bank they were continuously charging my card and after i put the dispute they denied it but the charges werent made in my city

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