vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
What happened : On XX/XX/2025, two deposits totaling {$5000.00} ( {$2000.00} and {$3000.00} ) were made into my SoFi bank account from XXXX. On XX/XX/2025, XXXX reversed these transactions and withdrew {$5000.00} back out of my SoFi account. 

My XXXX account was then banned, and I no longer have access to any XXXX balance. As a result, I lost access to my {$5000.00} in wages.

I disputed these debits with SoFi as unauthorized. SoFi denied my claim, stating it was essentially a wash, but they provided no evidence that the {$5000.00} was ever returned to my XXXX account. 

When I appealed, SoFi gave me ACH trace numbers and told me to contact the external institution myself to track the funds. This is not acceptable. Under Regulation E, SoFi, as my financial institution, is required to investigate unauthorized electronic fund transfers, not place the burden on me as the consumer. 

Why I am harmed : 1. I lost access to {$5000.00} of my salary.

2. SoFi dismissed my dispute without proof.

3. SoFi failed to perform their investigatory duties under Regulation E.

4. Their communication was dismissive, calling the reversal a wash, which falsely implied no loss when I clearly suffered one.

Supporting evidence : 1. My SoFi Savings account statement of XX/XX/2025. 
XXXX. My XXXX transaction history of XX/XX/2025. 
3. SoFis dispute denial letter ( Ticket # XXXX ). 
4. Email communication record of SoFis appeal response providing only trace numbers and instructing me to investigate myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
I want to make it clear that this complaint is legitimate. My credit report contains inaccurate information that does not meet the standard of maximum possible accuracy. These errors are placing an unfair and ongoing burden on me, both financially and personally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CO

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Company : Wells Fargo Bank , N.A . 
Product : Checking account / Debit card Issue : Fraudulent/unauthorized transactions ; bank closed claim unfairly Account type : Business Checking What happened : I am filing a complaint regarding Wells Fargos handling of fraud claim XXXX XXXXXXXX / Ref XXXX XXXXXXXX. 

Between XXXX and XX/XX/year>, my Wells Fargo business checking account ( last XXXX digits : [ XXXX ] ) was debited nearly {$700.00} in unauthorized XXXX charges. These charges were not made by me and were the result of my stolen phone, which contained my digital debit card. 

I reported the transactions promptly to Wells Fargo. I was initially issued provisional credit, but the bank later reversed the credit and denied my claim, leaving my account overdrawn. Wells Fargo stated that because the charges were made with my digital card, they consider the transactions authorized. 

This is incorrect. The presence of my digital card on a stolen phone does not make the charges authorized. Under Regulation E, these are unauthorized electronic fund transfers, and I am not liable. 

Evidence I have provided includes : XXXX showing the XXXX account used was under the name XXXX XXXX, not mine. 

XXXX device information showing the XXXX and phone number of the stolen phone. 

I am also working with XXXX to obtain written confirmation of the theft. 

Despite this, Wells Fargo closed my claim without providing a clear explanation, and I am being held responsible for charges I did not authorize. 

What I want : I am requesting that Wells Fargo : Reopen my fraud claim XXXX XXXX and reapply provisional credit while reinvestigating. 

Remove all responsibility for the nearly {$700.00} in fraudulent XXXX charges. 

Provide me with a written explanation of why my claim was denied, as required under Regulation E.

This situation has placed me in an extremely uncomfortable financial position, and I need the XXXX  assistance to ensure Wells Fargo complies with consumer protection laws. 

Youll also have a chance in the form to upload supporting evidence I suggest attaching : Screenshot of your Wells Fargo claim denial, Screenshot of the XXXX  account under XXXX XXXX, Screenshot of your XXXX device info.

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 2025-09-10 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: IL

Complaint narrative:
This is my third attempt to fix this issue, and I am extremely frustrated that these accounts are still showing on my credit file. These are not mine, and I have no knowledge of them. I already sent all required documents, including my FTC Identity Theft Affidavit, ID, proof of address, and other evidence, yet nothing has been resolved. Under the FCRA, fraudulent information should be blocked within four business days, a fraud alert should be placed to protect me, and a proper reinvestigation should be done. Instead, I keep receiving generic responses that say verified as accurate, without any proof or sources. This is unfair, unlawful, and continues to harm me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
This is my third attempt to fix this issue, and I am extremely frustrated that these accounts are still showing on my credit file. These are not mine, and I have no knowledge of them. I already sent all required documents, including my FTC Identity Theft Affidavit, ID, proof of address, and other evidence, yet nothing has been resolved. Under the FCRA, fraudulent information should be blocked within four business days, a fraud alert should be placed to protect me, and a proper reinvestigation should be done. Instead, I keep receiving generic responses that say verified as accurate, without any proof or sources. This is unfair, unlawful, and continues to harm me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The company didnt resolve the issue, or New facts come up ( in your case : they can not identify the merchant yet denied you anyway ). 

When you file again, dont just say they denied me focus on : They told me to contact the merchant but can not provide the merchant name. 
Without this information I can not resolve the dispute. 
Their denial lacks evidence, which violates the Fair Credit Billing Act. 
Attach the denial letter as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
On XX/XX/year>, I called XXXX XXXX XXXX XXXXXXXX times from XXXX XXXX  until XXXX XXXX  until I finally received a response. I agreed to a debt settlement amount, and the XXXX  payment was processed and submitted on XX/XX/year>. On XX/XX/XXXX, they informed me that a letter was going to be mailed. However, I did not receive a letter until XX/XX/year>. The letter states that I was supposed to sign and return the letter within XXXX  days of the date shown, which is XX/XX/year>, to avoid the settlement being voided. I received the letter a day after the deadline, and on XX/XX/year>, I have been trying to get a hold of the XXXX XXXX since XXXX XXXX. I have called a total of XXXX times and have not received an answer or a call back. I have mailed out the signed forms on XX/XX/XXXX ; however, I would like to dispute the entirety of this collection as the level of difficulty to get ahold of the collection agency is outrageous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
An account recently just appeared on my credit report that i have no acknowledgement of XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
On XXXX, XX/XX/year>, XXXX XXXX XXXX gave false information to my realtor. 

I authorised a new realtor on my account to work on behalf for a short sale. She called me after her conversation with XXXX and explained to me that the representative in the XXXX XXXX XXXX told her that I refused loan modification assistance in XX/XX/year>, but this information is inaccurate. 

XXXX XXXX  has never offered me any loan modification assistance. They acquired my loan from XXXX XXXX XXXX in XX/XX/year>, as I was going through a deed in lieu of foreclosure application with XXXX. XXXX picked up with the application where XXXX left off, but denied my deed in lieu of foreclosure application in XX/XX/year>. XXXX also informed me that my only other option was to do a short sale to prevent foreclosure. 

In XX/XX/year>, XXXX denied my short sale application and proceeded with a foreclosure sale date of XX/XX/year>. 

After my realtor informed me of the false information that XXXX gave her, I called to file a complaint and the representative told me that there is a foreclosure sale date on my house, and that it was best if I focused on not letting my house go into foreclosure, before transferring me to the proper department for complaints. 

XXXX XXXX XXXX has given my authorised XXXX  parties false information XXXX times now. Their business practices seem very shady and underhanded, and their representatives never seem to have the correct information about my account. 

I really hope another class action suit is brought against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX To Whom It May Concern : This letter is a formal request for validation of the above-referenced debt, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. I dispute this alleged debt in its entirety and request that you provide the following : Proof of your authority to collect this debt, including documentation showing you have been assigned or purchased the account. 

A copy of the original signed agreement or contract showing that I am legally obligated to pay. 

A complete itemized statement of the account, including how the balance of {$3000.00} and charge-off amount of {$4000.00} were calculated. 

The chain of title/ownership, including all assignments, transfers, or sales of this account.

Verification that the alleged debt is not barred by statute of limitations or otherwise unenforceable.

Please be advised that, under 15 USC 1692g ( b ), collection activities and credit reporting must cease until this alleged debt has been properly validated. Continuing to report unverifiable information to the credit bureaus also constitutes a violation of the Fair Credit Reporting Act ( 15 USC 1681s-2 ).

If you can not provide the requested documentation, you must immediately cease all collection efforts and remove this account from any and all credit bureau reporting. 

I request that all communications regarding this matter be in writing only. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX To Whom It May Concern : This letter is a formal request for validation of the above-referenced debt, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. I dispute this alleged debt in its entirety and request that you provide the following : Proof of your authority to collect this debt, including documentation showing you have been assigned or purchased the account. 

A copy of the original signed agreement or contract showing that I am legally obligated to pay. 

A complete itemized statement of the account, including how the balance of {$3000.00} and charge-off amount of {$4000.00} were calculated. 

The chain of title/ownership, including all assignments, transfers, or sales of this account.

Verification that the alleged debt is not barred by statute of limitations or otherwise unenforceable.

Please be advised that, under 15 USC 1692g ( b ), collection activities and credit reporting must cease until this alleged debt has been properly validated. Continuing to report unverifiable information to the credit bureaus also constitutes a violation of the Fair Credit Reporting Act ( 15 USC 1681s-2 ).

If you can not provide the requested documentation, you must immediately cease all collection efforts and remove this account from any and all credit bureau reporting. 

I request that all communications regarding this matter be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation