vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally request verification of a bankruptcy that is currently being reported on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Section 609, which entitles me to request the sources and procedures used in reporting public record information. Please provide the following : The name and contact information of the courthouse or public record source that verified the bankruptcy. A description of the procedure used to verify this information. A copy of any documentation used to validate the accuracy of this bankruptcy entry on my report. It is my intent to ensure that all information reported under my name is accurate and legally substantiated. If this information can not be verified with proper documentation, I respectfully request that it be removed from my credit file as required under the FCRA. Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period provided by law.

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 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
We started this by getting a loan from XXXX XXXX XXXX which is joined in with XXXX XXXX, which is conjoined in with XXXX XXXX, which has joined in with a reliant XXXX XXXX  which theyre all scammers. Theyre already getting to court by the federal government and seven different states they these companies sre fraudulent and bad customer service these companies XXXX  all sister companies that take advantage of the consumers. The federal receivership proves these companies are operating together. we paid out sround {$15000.00} and they settled for around {$6000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2025-06-14 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00}

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 2025-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I have messaged SoFi repeatedly through their secure site and made multiple calls. I finally sent the following demand letter via certified mail, and they responded shortly thereafter on XX/XX/year>. Their response is that my equity must be 30 % or more without providing any documentation supporting that position. Furthermore, the attached image clearly shows that my PMI will be cancelled when I have 20 % equity in the home. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am writing to formally demand the removal of Property Mortgage Insurance ( PMI ) from my mortgage ( loan numbeXXXX XXXX  ), as I have reached the requisite equity threshold outlined in my original agreement with SoFi.

Despite my repeated and good-faith efforts to resolve this matter through secure messages, multiple phone calls, and a previous written letter, SoFi has continued to refute my position without providing any substantive evidence in support of its own. Specifically, I have requestedand not receivedany documentation showing that a 30 % equity requirement is contractually valid or enforceable in my case.

On the contrary, SoFis own publicly available website and visual materials in my account portal explicitly state that PMI is removed once a borrower reaches 20 % equity ( see image at the end of this letter for my personalized view ). I have met this threshold, and there has been no indicationeither at the time of agreement or sincethat a 30 % equity condition applies to my mortgage. 

To date, SoFi has failed to : Provide evidence of a 30 % equity requirement Acknowledge or respond substantively to the agreement terms that I have referenced Resolve this matter in accordance with the stated terms and advertised policies Accordingly, I am requesting that SoFi immediately remove PMI from my mortgage, as I have satisfied the 20 % equity requirement under the terms originally agreed upon. 

Please be advised that should this matter not be resolved promptly, my next communication will come through legal counsel. I reserve all rights and remedies available to me under applicable state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
Collection ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am writing to formally file a complaint regarding several unauthorized hard inquiries that have been on my credit report. I did not authorize these inquiries, nor did I apply for credit with the companies that initiated them. 

These inquiries are negatively affecting my credit score and causing me great concern. I believe they may be the result of an error, or possibly fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and found multiple closed student loan accounts reporting on my credit report as XXXX XXXX XXXX XXXX XXXX to be duplicates. These accounts : Have different account numbers, Are all closed, Show the same loan amounts, And were in deferment status during the life of the loan These entries do not reflect separate loans, but rather the same loan ( s ) reported multiple times. This duplication error and inaccuracies inflates my debt history and misrepresents my creditworthiness. It also creates confusion and may violate the Fair Credit Reporting Act ( FCRA ), which requires that all credit information be accurate and not misleading. I am requesting that you investigate and delete these accounts. This matter has been detrimental to my life and credit health, please remove them all. Thank you for your prompt attention.

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 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2025-06-14 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
XXXX XXXX takes too long to transfer my money! If my external bank has already been verified then why is my money still taking too long to post. Money Network says 1-3 business days for the transfer to go through. It was over three days, it was now the XXXX day and my money still wasnt posted. I had to pay my bills. Well, of course I got a {$25.00} late fee because my bill was paid. I just want to opt out of using XXXX XXXX Its exhausting trying to track down my own hard earned money. 
~> My last straw when I lost my patience for XXXX XXXX is when I had a cart full of XXXX food, cleaning products and personal feminine products and after the cashier rung me up. I swiped my XXXX XXXX card and it Declined! It declined over and over again, even though I had more than enough money to cover my purchase! Then when I tried to log in to the XXXX XXXX app, the app kept kicking me out. I made sure the money network app was updated, but that didnt help solve the issue. Then I deleted & downloaded the XXXX XXXX app to see if that would work but NOPE! All of this happening while Im in front of the cashier and had about 4 other people behind me in line. EMBARRASSING! I felt so bad for my kids! I felt less than a mother because I couldnt provide what my kids needed at the time. We went to the store to get sanitary pads because my XXXX XXXX XXXX daughter menstrual cycle came on and she had no pads. How in XXXX I got money on my XXXX XXXX card but can NOT use it! Frustrating to the max! 

Can I ask you a question? 
Would You be frustrated if you couldnt access your own money? 
How would you handle the situation? 

Thank you for your time and consideration. 
Please feel free to contact me @ XXXX. ~ XXXX. 

With Respect, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: PA

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-14 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: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
I was checking my credit report and noticed way too many inquiries on my report. I was not aware these companies were pulling 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 explanation
Consumer complaint received 2025-06-14 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I applied for IDR plan on my school loans and my IDR application has been under review since the spring of 2024, I recently reapplied for IDR because I have now reached 120 months of qualifying employment. I would like to be put on the IDR plan so I can officially apply for buyback or get a reassessment of my payments or apply for buyback. This process has been confusing and ridiculous, the hold times to talk to a person are hours and I just can't manage that with a full-time job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I was checking my credit report and noticed way too many inquiries on my report. I was not aware these companies were pulling my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: Exeter Finance, LLC.
State: IN

Complaint narrative:
I was checking my credit report and noticed way too many inquiries on my report. I was not aware these companies were pulling my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
I am writing to demand the immediate removal of a fraudulent credit inquiry that has been made under my name and is currently showing on my credit report. This inquiry was not made or authorized by me, and I want it deleted immediately. 

I have never applied for credit, services, or any form of account with this company, nor have I given anyone permission to use my information to do so. This is a fraudulent action, plain and simple, and I will not tolerate it being listed on my report as if it were legitimate.

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