vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I am contacting you to formally request the immediate blocking of information reported on my credit file without my consent or express authorization. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I have the right to request the blocking of any information included in my credit report that I did not approve or validate.

Enclosed with this letter is a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ), Report Number : XXXX, which supports the fact that I have taken the appropriate steps to investigate and stop the unauthorized use of my personal information. 

The following account was added to my credit report without my knowledge, authorization, or consent : XXXX XXXX XXXX I have requested multiple times that you or the data furnisher provide documentation to support this alleged relationship, including signed contracts or evidence of explicit consent, and I have not received any responseeven after more than 60 business days, which exceeds the timeframe permitted by law. This failure to verify the account violates the FCRA and casts serious doubt on the legitimacy of the information being reported. 

It is also important to note that this same account has already been removed from the credit reports of other bureaus, which further supports the need for you to take immediate corrective action as well. 

This issue is directly affecting my current financial plans, including the ability to obtain a mortgage loan and move forward with rebuilding my financial well-being. Therefore, I demand that the information referenced above be permanently and immediately blocked, in accordance with my rights under federal law. 

I also request that you provide written confirmation once the blocking has been completed and that you ensure this information will not be shared or reported again in the future. 

If a timely resolution is not provided, I reserve the right to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue any legal action necessary to protect my rights as a consumer.

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 2025-08-01 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: GA

Complaint narrative:
I am filing this complaint due to serious concerns regarding the mismanagement of my student loans, which have been compounded by the Department of Education 's recent data breach. As a borrower, I trusted the federal student loan system to safeguard my personal and financial information. The breach not only compromised that trust but has left borrowers like myself more vulnerable to identity theft, loan errors, and financial instability. In addition, these loans are significantly impacting my ability to move forward in life, particularly when it comes to qualifying for a mortgage. Despite maintaining stable employment and working to improve my credit, my student loan debt continues to be a major barrier. Mortgage lenders have denied me financing due to my student loan balance and the inconsistent reporting by loan servicers. This debt is not only financially crippling, but it is also emotionally draining and preventing me from building a stable future for myself and my family. One major issue I experienced was being automatically opted into receiving loan communications via email instead of paper mail, without my knowledge or consent. As a result, I missed critical updates regarding repayment deadlines, status changes, and servicer updates. This lack of communication caused me to fall behind unintentionally and created confusion around the status of my loans. I never agreed to go paperless, and had I received proper mailed notices, I would have been in a better position to stay informed and avoid unnecessary penalties or credit damage. Ive also dealt with poor communication, misleading guidance, and inconsistent servicing including multiple servicer transfers where essential documentation was lost or delayed. Ive been placed in forbearance or deferment unnecessarily, and my requests for repayment plan adjustments or accurate reporting have been mishandled or ignored. The cumulative result has been long-term damage to my credit, financial well-being, and homeownership goals. Given the Department of Educations failure to protect borrower data, the mishandling of loan servicing, and the harm caused by communication failures, I am formally requesting an investigation into my account and a reconsideration of the legitimacy and enforceability of these loans. I believe loan discharge, forgiveness, or another form of relief is justified based on the misconduct and the substantial harm Ive endured. I respectfully ask that the CFPB advocate for borrowers affected by these systemic failures and hold loan servicers accountable for the barriers they continue to impose on responsible, hard-working individuals like myself.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint due to serious concerns regarding the mismanagement of my student loans, which have been compounded by the Department of Education 's recent data breach. As a borrower, I trusted the federal student loan system to safeguard my personal and financial information. The breach not only compromised that trust but has left borrowers like myself more vulnerable to identity theft, loan errors, and financial instability. In addition, these loans are significantly impacting my ability to move forward in life, particularly when it comes to qualifying for a mortgage. Despite maintaining stable employment and working to improve my credit, my student loan debt continues to be a major barrier. Mortgage lenders have denied me financing due to my student loan balance and the inconsistent reporting by loan servicers. This debt is not only financially crippling, but it is also emotionally draining and preventing me from building a stable future for myself and my family. One major issue I experienced was being automatically opted into receiving loan communications via email instead of paper mail, without my knowledge or consent. As a result, I missed critical updates regarding repayment deadlines, status changes, and servicer updates. This lack of communication caused me to fall behind unintentionally and created confusion around the status of my loans. I never agreed to go paperless, and had I received proper mailed notices, I would have been in a better position to stay informed and avoid unnecessary penalties or credit damage. Ive also dealt with poor communication, misleading guidance, and inconsistent servicing including multiple servicer transfers where essential documentation was lost or delayed. Ive been placed in forbearance or deferment unnecessarily, and my requests for repayment plan adjustments or accurate reporting have been mishandled or ignored. The cumulative result has been long-term damage to my credit, financial well-being, and homeownership goals. Given the Department of Educations failure to protect borrower data, the mishandling of loan servicing, and the harm caused by communication failures, I am formally requesting an investigation into my account and a reconsideration of the legitimacy and enforceability of these loans. I believe loan discharge, forgiveness, or another form of relief is justified based on the misconduct and the substantial harm Ive endured. I respectfully ask that the CFPB advocate for borrowers affected by these systemic failures and hold loan servicers accountable for the barriers they continue to impose on responsible, hard-working individuals like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: KS

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 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 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 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am disputing a dental charge on my Bank of America debit card for implants placed in XXXX and XX/XX/. These implants failed three months later, resulting in a serious XXXX, XXXX XXXX, and the XXXX  of another XXXX. I did not dispute within the standard time limit because the damage did not present until months later. Despite contacting customer service twice and explaining these extenuating medical circumstances, my case was closed without a proper review. I have medical records and dental documentation showing the failure and harm. I am requesting a reconsideration of the dispute based on the delayed onset of complications, which made it impossible to file earlier. -- -The charge was made on XX/XX/XXXX for {$1800.00}. I am also attaching a letter I initially sent to the dentist giving him an opportunity to respond to me. I can report him to the dentist board however at this time I just want to get new XXXX  from another dentist. I am requesting this money is given back to me because the work this dentist did cost me more than just the XXXX XXXX. I had to have the XXXX  removed as they were XXXX. I had submitted a claim for the other XXXX  and that one was just resolved in my favor. The reason is the same for both. The complaint number on that was

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
Consumer complaint received 2025-08-01 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: MS

Complaint narrative:
I filed a previous CFPB complaint regarding a dispute with SoFi where unauthorized transactions occurred while I was incarcerated. That complaint was closed, but the issue remains unresolved.

I was told by SoFi support that I would receive an update on a provisional credit by today, but I have not received any confirmation. Ive been disconnected multiple times on the phone while trying to follow up, ignored in their live chat, and told there is no way to contact the dispute investigator directly. 

Their customer service has failed to provide a clear timeline or accountability. This delay is causing real financial hardship, and their refusal to allow contact with the investigator is blocking resolution. 

I am attaching evidence of repeated contact attempts, lack of response, and misleading statements from SoFi support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I hope all is well. Im writing to file a complaint on XXXX XXXX credit card. My limit was reduced without warning. When I used the card on XX/XX/year>XXXX  my limit was {$2300.00}. My limit was decreased on XX/XX/year>XXXX  from {$2300.00} to {$700.00} it was at the limit of {$2300.00} for several years but all of sudden when I use it for a bigger purchase other than an oil change my limit was reduced I feel discriminated against. 
I needed tires and rotors for me and my childrens safety I only use the card if it is really needed. My two tires were bald and my rotors were really bad and I did what I needed to do for me and my childrens safety. I only use the card for emergencies. My credit limit needs to be placed back to {$2300.00} I didnt do nothing wrong I have been a good customer for several years. I dont appreciate this. Please give me a call at your earliest convenience so we can resolve the issue. Thank you for your time. Have a wonderful day!!

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-08-01 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: KS

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I show 4 degatory in my equifax, transunion and experian it should of been gone since last month can u pls make sure is updated ty very much for your help in advance

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I show 4 degatory in my equifax, transunion and experian it should of been gone since last month can u pls make sure is updated ty very much for your help in advance

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 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP
State: MI

Complaint narrative:
On XX/XX/year>, I was scammed out of {$500.00} through XXXX. I responded to a car listing on XXXX that appeared to be posted by someone I know ( XXXX XXXX. We communicated through XXXX XXXX, and I was instructed to send a {$500.00} deposit via XXXX to someone named XXXX XXXX, who was said to be her relative. 

Later, I discovered that XXXX XXXX account had been impersonated. The post and the messages I received were from a scammer who had hacked her profile. Once I realized it was a scam, I immediately submitted reports to KeyBank ( my bank ), XXXX, and XXXX. Despite taking swift action, I was denied help by all three platforms. 

KeyBank denied my fraud claim, stating that the transaction was authorized. XXXX referred me back to the bank and offered no assistance. XXXX removed the fake listing but offered no support regarding the financial loss. 

On XX/XX/year>, a KeyBank representative over the phone told me that XXXX XXXX, the recipient of the XXXX payment, is a repeat offender involved in other scams. Despite this information, my case was still denied, and no steps were taken to block or investigate the scammer. 

I also looked into my home insurances cyber coverage, but the deductible matched the loss amount, leaving me with no further options. 

I can provide all documents from the bank, and also all screenshots from the conversation with who I thought was my friend. It will not let me upload through this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am not associated with these accounts and suspect they are unauthorized. I ask for a full investigation and their immediate deletion from my credit file. Supporting documentation is enclosed.

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