vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: VA

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-10-21 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: FL

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 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Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX XXXX 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 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am a XXXX XXXX and I use my paypal account to collect payments for the XXXX work that I do, I have been using Paypal for this for over 12 years, but they shut down an account of mine over two years ago do to a client stealing from me and lying to her bank saying she never received her XXXX XXXXs when in my policy it says that no XXXX would be released until the full invoice has been paid. Her invoice was never paid in full but Paypal determined ( not having all of the factual information ) that they would take the money from my account and close it. There was nothing I could do about it. So. I opened another account a couple of years later and the other day when a client was making the last payment on their account and after they paid half of their invoice which was their deposit, I called paypal and they said Their algorithm flags the payment because it seems like a scam. Even though this was a payment that was already made before but when I submitted the documents they wanted, they said they just wanted to know more about my company as if we were friends or something, then two days later I get a notifications saying my account is deactivated and all of the funds in the account will be held for 180 days and then they will send me and email on how I can get my money back. It was literally only {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I just wanted to share a recent interaction I had with SoFi after a car theft and see if anyone has advice. 

I was on vacation when thieves broke into my car and stole a lot of my stuff my computers, over $ XXXX in camping gear, and a few other items. They didnt take my wallet, but my debit card was in my backpack, which was stolen. 

While I was in another state and using my SoFi card through XXXX XXXX, the thieves somehow managed to charge almost $ XXXX to my account before SoFis ( delayed ) fraud alert finally reached me. I filed a dispute and added all the info to the police report. 

Yesterday, someone from the dispute team called and asked why I was away from home when this happened, and said they were just curious about my need to travel or why I wasnt more on top of my possessions. Not long after that call, all my disputes were denied. 

I have proof including video and financial records that I was in another location when the charges were made. Has anyone dealt with something like this or have advice on how to get SoFi to take another look?

This is the first time Ive ever been robbed, and Ive never had my card compromised before, so Im honestly at a loss on what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: IL

Complaint narrative:
I lost my phone so I lost access to that number and bank card my email address that's links to the account is no longer active I was told to make another account that was verified with ID and address but they still couldn't not verify my account I have my direct deposit funds in that account im trying to receive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX XXXX, I visited the Fifth Third Bank branch at [ XXXX XXXX in XXXX XXXX  XXXX to get assistance with disputing a fraudulent transaction in the amount of {$3000.00} that I believe was unauthorized and/or processed in error. 

During that visit, the branch manager XXXX XXXX told me, youre not getting your money back, and refused to escalate the matter or provide a written explanation of the banks decision. His statement appeared to pre-judge the dispute without investigation. I left the branch immediately after that interaction. 

I have not received a written resolution, refund, or follow-up since then. 

I am requesting that Fifth Thirds executive resolution or corporate investigations team review my case and provide a fair outcome to this investigation and to provide an explanation as to why the manager at the branch made a pre-judged statement which almost made me feel like it was a threat. This is an area we are entering that could even be considered a violation of FDIC protocol. 

Supporting materials attached : my original account statement showing the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Please correct my report by removing the false late payment entry. Ive never missed a payment, and this inaccuracy is both stressful and misleading.

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 2025-10-21 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: CA

Complaint narrative:
Ongoing inaccurate collection account reporting failure to delete after multiple disputes What happened : I am filing this complaint because equifax continues to report a collection account that has already been deleted by the other two credit bureaus. This collection account is inaccurate and unverifiable. 

Over the past year, I have sent multiple dispute letters directly to the credit bureau and the data furnisher, requesting validation and correction of this tradeline. Despite providing documentation and proof that the account was deleted from my reports with the other credit bureaus, this bureau continues to report it as active. 

The account in question is : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  I have copies of all my dispute letters, certified mail receipts, and responses ( or lack thereof ) showing I have been attempting to resolve this issue for over a year. The continued reporting of this collection violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ), which require consumer reporting agencies to ensure the maximum possible accuracy of the information they furnish and to properly investigate disputes. 

What I am requesting : I am requesting that [ insert bureau name ] conduct a full reinvestigation of this account and delete it from my credit report. The information being reported is inconsistent across bureaus, unverifiable, and misleading to potential lenders. I am also requesting confirmation that this deletion has been completed. 

Supporting documentation : Copies of my prior dispute letters Screenshots or PDFs showing the deletion from the other credit bureaus Most recent copy of my credit report showing the inaccurate tradeline still being reported This issue has remained unresolved for over a year despite multiple lawful dispute requests. I am asking the CFPB to assist in ensuring compliance with the Fair Credit Reporting Act and to hold the credit bureau accountable for the failure to maintain accurate and verifiable consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: MD

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 2025-10-21 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: UPGRADE, INC.
State: FL

Complaint narrative:
I was checking into the XXXX XXXXXXXX XXXX XXXX XXXX  on Thursday XX/XX/XXXX and as I was taking out my belongings out of the car I lost my upgrade Credit card. I didn't realize until Saturday XX/XX/XXXX and I locked the card. When we came back from Vacation on XX/XX/XXXX I asked my husband if he had the card or had used it on our trip. He confirmed he didn't and there was over {$500.00} in unauthorized transactions from a place called XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Places we didn't go to on our trip and neither of us drink. I called Upgrade and opened a claim. On XX/XX/XXXX they request a police report and additional statement which I provided. On XX/XX/XXXX they declined my dispute claiming this aligns with transaction I have done in the past which is a lie. I reach out to upgrade to ask them why their dispute denial reason had inaccurate information and they dont help me. Tell me to send additional documentation to prove it wasnt me. I sent them a formal email requesting they reopen the investigation and attach additional proof I wasnt in the location those transactions were done in. The email I sent them stated Your email stated the dispute was declined because the disputed charge ( s ) [ are ] within my normal spending pattern. That statement is false. I do not make purchases with these merchants, was not present at those locations on the dates shown, and these charges are not consistent with my normal spending. I have attached supporting documentation that demonstrates this, including [ location proof, police report, and my bank activity proving I was no where near the location where these transactions took place. ) Please conduct a full and fair reinvestigation under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and provide written confirmation of your findings. If you determine the charges were valid, please include copies of all documentation, logs, or other evidence relied upon in reaching that decision They never reach out or confirm they reopened dispute case and when I call today XX/XX/XXXX they tell me they just decided not to review my additional documents nor will they reopen dispute. Nor will they send me any condena ion of their findings or evidence used to determine this. They are not complying with a full and fair investigation of my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
After careful review of my credit report, I found many inaccurate information, none of the information matches the 3-credit bureau , they all have different information that violates both the FCRA and Metro 2 compliance 's standards, i haver attached images of my credit report for you to see the error on the report, if the account is charged off why is there still a balance showing, they all have different dates of last payment, date of account closed, date charged off, with all these inconsistences please have the 3 credit bureau remove this info from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: KY

Complaint narrative:
To : Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : Request to Update / Change Address on My Credit File Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX New Mailing Address : XXXX XXXX XXXX XXXX XXXX KY XXXX Dear Credit Bureaus, I am writing to request that each of the credit reporting agencies listed above update my address in your records. Please ensure that all files and reports associated with my credit history reflect my new current mailing address shown above. 
Remove fraudulent addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX Enclosed are copies of the following documents to verify my identity and address : Government-issued photo identification ( copy ) Proof of current residence ( such as a utility bill, lease agreement, or bank statement showing my name and new address ) Please send written confirmation of the update to my new mailing address. If any additional verification or information is needed, you may contact me at the phone number or email address listed below. 
Thank you for your prompt attention to this matter. 
Sincerely, ( Signature ) XXXX XXXX Date : XX/XX/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 2025-10-21 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: KY

Complaint narrative:
To : Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : Request to Update / Change Address on My Credit File Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX New Mailing Address : XXXX XXXX XXXX XXXX XXXX KY XXXX Dear Credit Bureaus, I am writing to request that each of the credit reporting agencies listed above update my address in your records. Please ensure that all files and reports associated with my credit history reflect my new current mailing address shown above. 
Remove fraudulent addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX Enclosed are copies of the following documents to verify my identity and address : Government-issued photo identification ( copy ) Proof of current residence ( such as a utility bill, lease agreement, or bank statement showing my name and new address ) Please send written confirmation of the update to my new mailing address. If any additional verification or information is needed, you may contact me at the phone number or email address listed below. 
Thank you for your prompt attention to this matter. 
Sincerely, ( Signature ) XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief