vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Closed a points that were open .. who hes dropped points. Same again took account off that is still active reported balance multple time a month. Each time my points dropped .. reported XXXX balance to XXXX XXXX XX/XX/year> when current report was paid .. when I told them of the issue that my credit card that was showing on my report was not showing in ine pulled by XXXX .. they took the card off rather than report it correctly no XXXX is taken from available credit my score dropped and XXXX denied my loan .. also the student loan status and amount

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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, SoFi bank closed my account because I filled a complaint with CFPB about the not handling my account professional after filling an dispute on XXXX the company denied my claim and never gave me real or accurate information to why they denied my dispute. On XX/XX/year> I filed a complaint with CFPB to get some solutions to get my funds back that was stolen from my account and SoFi never gave my funds back right today I am still without any money from XX/XX/year> when my funds were deposited into my SoFi account my car was broken into and SoFi received a statement of an police report and everything and still provides me with anything. On XX/XX/XXXX, I received an email from SoFi that my account was closed and SoFi has stated that they didn't have a reason only to say that unusual activities they haven't showed no proof of they claim, or why close my account, SoFi making up excuses to close my account because I filed a complaint with CFPB and they lied to CFPB about handling my case for my dispute, as I mentioned before that SoFi sent in a statement just so CFPB can close the complaint all they did was said what actions they took and they never took any actions if money was withdrawal from my account why SoFi didn't close my account, why SoFi waited until the sent a incorrect information to CFPB and then closed my account. I have mentioned that SoFi also has no proof of their actions or investigation that sent me the same information from the last dispute claim. SoFi really need to be more productive in handling my account and my disputes they filed the wrong dispute on the wrong date on my dispute it's was supposed to be XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

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

XXXX  - XXXX - List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC
State: IA

Complaint narrative:
My payments was always around {$510.00} every momth on the XXXX. The month of XX/XX/XXXX I had made the payment of XXXX I was on the phone with XXXX  when I made this payment and they assured me that all of it would go to payments and the payoff amount and not the principal then in may I made another XXXX payment again on the phone with XXXX  and same thing. Then I noticed that it said I was behind so I called them. They said it was a mistake on there and that they would have it fixed that on their end it showed I didnt owe that I actually was ahead in payments. So in XXXX I paid XXXX to go tourds the payment to keep me ahead because at this time I was out of work due to a work injury. And in XXXX I had XXXX extra pulled out of my account from them. They then failed to notify me that they was going to repo the car. They are now telling me that I have to pay them {$3000.00} plus {$20.00} a day that the car sits at the lot to get the car back and I have until the XXXX of XX/XX/XXXX. When asked where all the money went and what it went towards, if it didnt go towards my car, I was informed that I would have to wait two months and get an itemized receipt in the mail that they could not give me that information over the phone, even after proving my identity. When I originally purchased a car, they also had it listed for XXXX and I have had the car since XXXX and the payments are only down to XXXX and have been XXXX the past two years. Also even though I no longer have the vehicle they are charging me monthly as if I do.

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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I woke up XX/XX/XXXX and got a notification asking if I authorized a transaction I said I do not I checked my account and it was a XXXX balance, I checked transactions and noticed someone hacked my chime account sent money from someones account added it to mine which was a total of XXXX and sent it all out to their XXXX XXXX I filed a claim and they denied it saying there were no errors found however when I called to do the claim they noticed unusual activity that o have never done even them using a virtual card that Ive never used also I dont have XXXX XXXX and have never used chime for XXXX XXXX but somehow they are telling me they are denying my claim. I get my direct deposit into this account and my money that I work hard for I am about to be evicted due to my rent not being paid because of this. I have a XXXX XXXX XXXX XXXX that I take care of on my own I need my money back to my card or I will get legal help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX has been reporting late payment on a closed account since XXXX. I already made a complaint and still on 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 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I opened a MoneyGram online account on XX/XX/year>. On XX/XX/year>, I attempted to send a {$500.00} money transfer to the XXXX XXXX to pay a contractor for work performed on my house. The transaction was immediately blocked, and I received the following message : " Your MoneyGram profile is disabled. For your safety and security, weve disabled your MoneyGram online profile. '' Since this time, I have placed multiple calls to MoneyGram customer support to resolve this issue and enable my profile so I can access the service for which I signed up. During one of my calls to support, I was told that I would receive a notice within 72 hours regarding the resolution of this issue.

I never received any follow-up notice, nor has my account been enabled.

I am unable to use the service, and MoneyGram has failed to provide any resolution or clear explanation despite my repeated attempts to contact them. This failure to resolve the blocked account and to follow up as promised has caused a significant delay in paying my contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against several creditors and data furnishers for reporting inaccurate and misleading information on my credit reports, which has caused serious harm to my credit profile and financial reputation. Despite my repeated efforts to dispute and correct these errors, the accounts remain inaccurately reported in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ). 

Below are the accounts in question : XXXX XXXX XXXX XXXX ( Acct # XXXX ) Reported twice with different high balances ( {$5800.00} and {$5700.00} ) and different open dates ( XX/XX/XXXX and XX/XX/XXXX ). This is a duplicate and inconsistent entry, which artificially lowers my credit score and misrepresents my credit history. 

XXXX  XXXX ( Acct # XXXX ) Two separate entries are being reported : one showing a charge-off ( {$2600.00} ) and another showing late payment ( {$360.00} ) with different open dates ( XX/XX/XXXX and XX/XX/XXXX ). This is inaccurate, misleading, and must be corrected or removed. 

XXXX ( Acct # XXXXXXXX XXXX ) Reported as a charge-off dated XX/XX/XXXX. This account is not recognized, and I have no record of ever authorizing or holding this account. 

XXXX ( Acct # XXXX ) Listed as a charge-off opened on XX/XX/XXXX. The information is inconsistent and unverifiable ; I request full documentation or immediate deletion. 

XXXX ( Acct # XXXX ) Reported late payments despite being included in my XXXX XXXX XXXX ( Case Reference # XXXX, U.S. Bankruptcy Court ). This reporting violates FCRA and the U.S. Bankruptcy Code since no creditor may continue to report delinquency on discharged accounts.

Additionally, the following hard inquiries are appearing on my credit file without proper authorization : XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) I have never authorized or applied for credit with these institutions on those dates. These inquiries were done without my consent, and they have negatively impacted my credit score.

Given the numerous violations and inconsistencies, I am requesting the CFPB to : Conduct a full investigation into each of the above-mentioned accounts.

Direct the credit bureaus and furnishers to delete or correct all inaccurate and unverifiable information.

Ensure compliance with FCRA and FDCPA reporting standards.

Provide a written response outlining the actions taken to resolve this matter.

These errors have caused me financial distress, including denial of credit opportunities and emotional hardship due to the false representation of my creditworthiness. I expect swift and decisive corrective action.

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 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I had the online paypal credit line. They offered me the physical card. I called and asked questions about the financing offer. Especially, if the in person transactions would apply for the special financing offer. They said yes and I applied. When I received the card, I made a {$290.00} transaction to see if it was true. It wasnt applied automatically, but I called again to clear things up and they applied the offer of 6 months 0 % apr.

I made two other transactions and the same mistake was made. Called again and now they tell me it only applies to online transactions.

Checked the terms and conditions and I could not find that explicitly.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed some unauthorized accounts listed on my credit report that need to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems , LLC sold or transferred an alleged debt to XXXX, XXXX without first validating the account under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. I never received verification, supporting documentation, or proof of ownership before the debt was resold for collection.

This has resulted in multiple collection agencies attempting to collect the same debt, inconsistent reporting, and possible re-aging of the account in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

I am requesting a full investigation into Jefferson Capitals handling of this debt and whether they lawfully owned or were authorized to sell or transfer it. I also request that any negative reporting associated with this account be removed from all credit bureaus until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schreiber Law LLC
State: NH

Complaint narrative:
Received a letter from the courts on XX/XX/XXXX saying that I was being sued for approx XXXXXXXX XXXX  for a credit card that I supposedly signed for... well I called them on the XXXX also they were supposed to send me paperwork in the mail that I never received... So I mailed them a debt validation letter on XX/XX/XXXX through certified mail i got the receipt also for that they received it XX/XX/XXXX... still haven't got any paperwork from them that I requested..... got a court date XX/XX/XXXX where im going to call in on that day.. I'm pretty sure they are required by law to stop all collections.Until I get the paperwork that i've had requested.... I have not see any paperwork... I even sent the courts a certified letter in the mail explaining to them that I was in a debt validation process with the debt collector and the court 's mailed me back my letter that I mailed to them....

Company response to consumer: Untimely response
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed some unauthorized accounts listed on my report that need to be removed asap

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint because XXXX ( XXXX XXXX XXXX ) is reporting inaccurate and non-compliant data on my credit reports with XXXX, Experian, and XXXX. 

The account ( partial number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is reported as Charged Off / Collection / Derogatory, and also includes remarks such as Dispute resolved consumer disagrees or Consumer disputes after resolution.

This combination of status codes violates the Metro 2 reporting standards established by the CDIA and the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 611 ( a ).

A furnishers can not simultaneously report an account as Charged Off ( Status 97 ) and Dispute resolved consumer disagrees ( Compliance Code XB ) unless proper verification and supporting documentation exist.

I have disputed this account directly with all three credit bureaus, but none provided verification or documentation from XXXX XXXX XXXX. The tradeline remains inaccurate, inconsistent, and harmful to my credit profile.

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 2025-10-25 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: DISCOVER BANK
State: PA

Complaint narrative:
I have multiple credit inquiries in my credit report that I do not know and I need them to be removed. I do not recognize them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have disputes this before and nothing had happens and I do not recognize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have multiple credit inquiries in my credit report that I do not know and I need them to be removed. I do not recognize them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have disputes this before and nothing had happens and I do not recognize them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: CA

Complaint narrative:
I have had a XXXX  account for multiple years and have used it to transfer monkey in the past. I verified my ID on XX/XX/XXXX so that I could receive cryptocurrency from another wallet I own. I received verification that my id had been verified. I transferred the money into XXXX  then attempted to transfer a portion of it to another wallet owned by a family member. My account was immediately suspended and the transaction canceled. I asked for support and was told my ID needed to be verified, which I did on XX/XX/XXXX through the website provided. I received an email the next day that my account had been unlocked and my id verified. My account was unlocked but I can not use any of the functionality of the app to transfer my own money. When I again contacted support they said my id needs to be verified. As of now, I have verified my id multiple times and still can not access my funds.

Company response to consumer: Closed with explanation