vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I sent {$800.00} international wire transfer on XX/XX/XXXX from my BOA checking account. I received receipt showing the transaction as " Completed ''. I am owner of other account, have not receive the fund. I contacted both sending and receiving banks. The Receiving bank informed me that they have no record of transfer and and asked me to contact sending bank. I visited sending bank twice, but was told that wire transfer inquiries must be handled over the phone. I spent 2 hours at BOA for each visit. trying to reach someone by phone, but was unable to get through. I also called the number provided to me, but still still could not speak to a representative.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I am filing a follow-up complaint regarding a prior dispute with SoFi related to a denied personal loan application. SoFi cited " delinquent credit obligations '' and " recent trades '' as part of their denial. I have since obtained my full XXXX  credit report, which shows : A XXXX XXXX score of XXXX No past due accounts or delinquencies No new accounts opened 100 % on-time payment history on both my $ XXXX auto loan and student loan SoFi refuses to specify which denial reason applied, stating they use generalized language in their letters and not all listed reasons are applicable. This creates confusion, denies transparency, and potentially violates the FCRA and ECOA, especially when consumers can not dispute or appeal automated decisions based on vague reasoning.

Im requesting that the CFPB reopen or escalate this case due to SoFis refusal to identify or correct the inaccurate or misapplied denial reason, despite proof being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This was around 2021 I had been a member of XXXX federal for about XXXX years at that point and I'm still a member. Someone used my account for fraud. I spoke with fraud department they gave me no benefit of the doubt. they have multiple accounts they refuse to settle. I have XXXX account for XXXXXXXX XXXXXXXX  and the loans they have listed are not associated with my account any more. I had the account since I was XXXX and I had well over XXXX XXXX in the account. This is money that was federally insured and the bank recouped this money the only person who was out of an account was me after they restricted my access after being a member for most of my adult life. This matter is settled and the debt has been paid. this needs to be removed from my credit report. This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I am still a member of navy federal credit union. I have made previous attempts to fix this issue directly with the XXXX XXXX. At this point they are violating my rights and I'm entitled to {$1000.00} for every violation I listed above. This needs to be rectified immediately or I need compensation for lost opportunities and wages based off false information. This needs to be deleted. Both accounts are being labeled as charge offs or write-offs they are not trying to collect this debt as it was fraud and insured. There is no reason for an unrecoverable debt to be on my credit report. they are not actively collected this is just a tactic to hurt my score and my buying power

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$250.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX  Date XX/XX/XXXX XXXX Date XXXX XXXX, XXXX XXXX Date XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding EdFinancial Services submitting my personal information to the credit bureaus without my written consent. Again, I express that EdFinancial does NOT have my written consent to report my personal private information which violates my rights. The mishandling of my student loan account, the unauthorized and inappropriate disclosure of my information, and the resulting negative impact on my credit report. 

According to EdFinancial Services published policy, they are only authorized by law to provide information concerning your education loan account to your school and the U.S. Department of Education ( for any federal loans ). However, my credit report reflects adverse information related to my student loans that appears to have been disclosed or reported in a manner inconsistent with this policy and without proper notice or written consent. 

This disclosure violates 20 U.S. Code 1232g ( FERPA ), which governs the privacy of student education records and limits disclosure of personally identifiable information without the students consent, except under narrow legal exceptions. I did not provide such consent, and I was not informed that my data would be shared with third parties in a way that could damage my credit. 

In addition, this situation raises concerns under 20 U.S. Code 1092, which mandates that institutions and their agents must clearly disclose all terms of student loans, including repayment obligations, grace periods, and the consequences of default or late payment. If I had not been properly informed of how and when credit damage could occur - or if disclosures were ambiguous or incomplete- this would constitute a failure to meet federal disclosure requirements. 

Under The Fair Credit Reporting Act, 15 U.S. Code 1681, specifically, the account reported by EdFinancial Services relating to my student loans is inaccurate and misleading and was reported without proper disclosure and authorization. The information on this account, including late payment history does not reflect accurate or complete information and has been reported in violation of FCRA. 

If I do not receive a response within 15 days, I will proceed to file formal complaints with the U.S. Department of Education, including the XXXX XXXX XXXX XXXX ( XXXX ) and the Federal Student Aid Group. I also reserve the right to pursue further legal remedies as needed. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
our accounts were placed in lock on XX/XX/scrub>XXXX XXXX all accounts should allowed in-bond but not out-bond without double confirm with us. Between XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, we were unable to access online banking, multiples debits were cleared by Citibank without prior approval or confirmation from us. Total of unauthorized XXXX ACH of {>= $1,000,000} were released by someone in Citibank since these XXXX XXXX must be manually pushed through. during the same period, we had multiple checks and pre approved ACH that were regular got rejected ( copies attached ). these rejected transactions were much smaller in numbers but got rejected, while the XXXX large sums of first time ACH setup by the scammers were push though manually make us conclude that this may be an inside job. 

another sign of someone in Citibank was manipulating all these was XXXX XXXX {$80000.00} we setup on XXXX from account ending XXXX but debit showed up in account ending XXXX resulted the first insufficient fund in our XXXX years with Citibank. we had never had insufficient funds in any of our checking accounts. It seems this person was setting up a prior incident of overdraft protection. Citibank now uses this as an excuse to debit negative {$710000.00} from our checking ending 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 2025-04-30 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:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
XXXX XXXX - XXXX # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. 
If you believe you sent proper Notification related to XXXX XXXX, please provide 'Certified Mail ' with receipt displaying my signature. 
If not, please delete XXXX XXXX XXXXXXXX soon as possible from my report otherwise I will have to pursue legal 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 explanation
Consumer complaint received 2025-04-30 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:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account XXXX : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XXXX and phone call, From CONBASE : Someone from XXXX tried to change my password and hack into my digital currency wallet account, summarized as, follows : We are reviewing your case XXXX Your case is undergoing a comprehensive review by our Support Team department. 


We are working under necessary security protocols to address and resolve your situation, ensure the integrity of your assets, and maintain a secure environment. 

Below are the details related to your case for your reference : Representative XXXX XXXX XXXX ID XXXX Department Support Team We appreciate your patience and compliance as we work to resolve your case. If you have any questions or concerns, please do not hesitate to reach out to your assigned representative directly. 

Additional Information Please note that no third party will have access to your assigned representative 's details or case information. We recommend using this information to confirm that you are communicating through a secure line before discussing your case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: CT

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 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 2025-04-30 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: CT

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 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received a reinstatement letter attached on XX/XX/XXXX with a due date of XX/XX/XXXX with a payment amount of XXXX for XXXX payments plus some fees ( average out to {$1100.00} per payment ). I wont get into why this is ( fraud claim ) or and i was served papers on the XX/XX/XXXX th before i could pay it as i had to get a atty etc. All we asked is if the original was valid and USB atty said they would get refreshed XXXX. 

It took 1 month for US BANK to refresh the and when i got it the new number was {$22000.00} for a total of XXXX payments. There were fees of {$170.00} and {$300.00}... XXXX ; that left {$21000.00} in total for XXXX payments. 

I called and asked multiple times for explanations and no one could figure it out ; i was forced to pay it. In their response there was no explanation as to why XXXX payments averaged out to XXXX but the XXXX payment was {$12000.00} by ITSELF ( effectively more than the other 8 months put together or XXXX times the average payment ). Also the XXXX payment was {$1100.00} again like normal. I was taken for {$12000.00} with no explanations... Please help as when i call I'm bounced around for a hour with no explanation.

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 2025-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: TX

Complaint narrative:
I requested full debt validation from NTL Recovery Agency in writing. In response, they failed to provide an itemized statement of charges, proof of services rendered, or documentation demonstrating their legal right to collect the debt. Instead, they provided only a generic statement that does not meet the standards of proper validation. 

Despite their failure to validate the debt, NTL Recovery Agency has continued to pursue aggressive collection activity. I am now receiving daily emails and repeated phone calls attempting to collect this unvalidated debt. These frequent and unwanted communications are harassing and in violation of my rights under the FDCPA, which prohibits continued collection attempts without proper validation.

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 2025-04-30 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: TX

Complaint narrative:
Dear CFPB, I am filing this complaint against Equifax, who continues to report accounts, names, addresses, and employer data that do not belong to me and were previously disputed with full documentation. 

I am XXXX XXXX XXXX, XXXX. I do not go by " XXXX XXXX '' or " XXXX XXXX XXXX, '' nor have I ever lived at the following fraudulently associated addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX The child support tradeline currently listed is : XXXX  XXXX Account # XXXX * * * * This account is : Not mine Violating XXXX XXXX reporting standards Failing to comply with the validation and verification mandates under 15 USC 1681i and 1692g To support my position, I previously submitted : FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX Official dispute letters and proof of identity Yet Equifax has taken no action. 

This is unacceptable, unlawful, and obstructive. I am requesting immediate CFPB enforcement to compel Equifax to delete the fraudulent items from my credit report. 

Do not stall. The law is clear. You must delete these accounts within XXXX business days. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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