vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I am filing a complaint against SoFi Bank, N.A. for denying my fraud dispute and refusing to refund a series of unauthorized debit-card charges processed by XXXX XXXX XXXX XX/XX/XXXX, while I was incapacitated and under psychiatric hospitalization. 

XXXX. Background Between XX/XX/XXXX, XXXX, XXXX separate transactions totaling over {$600.00} were charged to my SoFi debit card by XXXX, XXXX XXXXXXXX XXXX 
I did not authorize, initiate, or benefit from any of these purchases. 
I have never opened an XXXX account or linked my SoFi card to any gaming or e-wallet service. 

XXXX. Timeline XX/XX/XXXX XXXX : I was involuntarily hospitalized at the VA XXXX XXXX Health Care System for acute XXXX disorder with XXXX  risk, XXXX, and XXXX XXXX XXXX. 
My VA medical records confirm that I was under constant one-to-one observation and medicated with XXXX, XXXX, and XXXXrendering me incapable of monitoring my finances or reporting fraud. 
XX/XX/XXXX XXXX : While still recovering, multiple XXXX  charges were processed on my SoFi account. 
XX/XX/XXXX : I discovered the fraudulent transactions and immediately notified both XXXX XXXX and SoFi Bank. 
XXXX opened a fraud investigation and confirmed that they are reviewing the matter. 
Late XX/XX/XXXX : Despite my detailed report and supporting documentation, SoFi denied my fraud claim, stating that the charges were valid. 
They refused to issue a provisional credit or consider my hospitalization as an extenuating circumstance. 

XXXX. Applicable Law Under 12 CFR 1005.6 ( b ) ( 4 ) ( Regulation E ), a consumers liability for unauthorized electronic fund transfers must be limited, and the two-day / sixty-day reporting deadlines must be extended to a reasonable period if the consumer was unable to report due to circumstances such as hospitalization or illness. 
SoFis denial disregards this legal requirement. 
Their investigation did not address my medical incapacity, and they failed to provide a written explanation that meets XXXX XXXX standards. 

XXXX. Requested Resolution I respectfully request that the CFPB require SoFi Bank, N.A. to : XXXX. Reopen my fraud investigation in compliance with Regulation E ; XXXX. Provide a full refund for the unauthorized XXXX transactions ; XXXX. Issue written documentation of their investigation results ; and XXXX. Implement corrective measures to ensure future compliance with consumer-protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or permitted any of these accounts. This is entirely unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts has caused significant concern and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: VW Credit
State: OH

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 
I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
I turned to XXXX to purchase a car after my car was totaled, I selected XXXX because you dont have to deal with being at a dealership for hours and you could select your monthly payments and for the most part I had little to no credit. I was approved for a used XXXX XXXX XXXX XXXX with XXXX miles it was delivered to me on XXXX XXXX. During my online purchase i had no one to walk me through the many pages of terms and understand what i was signing. Of course i signed the purchase agreement, I put down {$1900.00} and was provided monthly payments of around {$640.00}. I have paid on time every single month to my finance loaner Bridgecrest!! So I decided today on XX/XX/XXXX to check my loan. To my shock I learned that I still had a XXXX XXXXXXXX balance from where I started in XXXX at XXXX XXXX! I started reviewing my payments and disturbingly learned that I have only been paying {$110.00} towards the principle balance and {$520.00} in INTEREST! ALONE!! So to make it clear to you all I have paid in total {$5100.00} but only {$800.00} has gone toward the balance of the car!!!! This is unreal!! They have taken thousands in interest! How is this legal!! Bridgecrest preys on those will low, bad and no credit and people in desperate state. Bridgecrest should be investigated and shut down! I am trapped in this loan and have been turned down for refinancing by my own bank and other lenders. Please look into this I am sure many more like me have fallen for this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
The account XXXXXXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX ) * * continues to be reported with a XXXX late payment by Experian, while XXXX  and Equifax show the account as current and open. This inconsistency among credit bureaus indicates that at least XXXX furnisher or bureau is reporting inaccurate information. 

I previously disputed this entry, and the status now shows Dispute resolved ; customer disagrees, yet no verifiable documentation or certified payment history was provided to confirm any actual delinquency. The differences in balance amounts ( {$81.00} vs. {$260.00} ) and payment dates ( XX/XX/year> vs. XX/XX/year> ) further demonstrate incomplete or inaccurate data handling. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), furnishers and credit bureaus must maintain and report accurate, complete, and verifiable data. Continuing to publish inconsistent or unverifiable information violates these sections of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Experian, Equifax, & Transunion. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$120000.00} from the XXXX XXXX XXXX XXXXXXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I made a charge at XXXX for {$130.00}. Wells Fargo refused to pay it although my checking account held {$260.00}. They said they did not know if the charge was valid, even though I make dozens of XXXX charges per month. Because of their denial of payment XXXX sent the charge to another checking account at a different bank. I am now overdrawn at that bank and facing overdraft charges.

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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I accidentally transferred {$58000.00} from my checking account to my credit card at Bank of America. I contacted the bank to reverse the transaction, but they refused to correct the error. I am requesting assistance from CFPB to resolve this issue.

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 2025-10-27 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my Transunion credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the XXXX XXXX credit reporting standard. 
This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code XXXX Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally express my concern regarding the results of my recent credit report dispute. I submitted a dispute regarding several items that appear on my credit report which I have been proven to be inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of all disputed items. However, it appears that a full investigation was not completed on all of the disputed accounts and entries. I have not received sufficient documentation or evidence supporting the continued reporting of these items, and some accounts were marked as verified without any explanation or proof of investigation.

Please note that under * * FCRA Section 611 ( 15 U.S.C. 1681i ) * *, the credit reporting agency must : personal information : * Old addresses that are no longer valid * Incorrect bankruptcy or charge-off status * Accounts that were previously disputed and verified as not mine Please * * conduct a full reinvestigation * * of these items. If the furnisher ( creditor or debt collector ) can not verify ownership with documented proof within 30 days, the FCRA requires that these items be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am submitting this formal complaint regarding an incident in which individuals identified as appraisers appeared at my residence and took photographs of my property without any prior notification, disclosure, or my consent. I believe this conduct constitutes a violation of my privacy rights and potentially breaches appraisal and lending disclosure regulations governed by federal law and CFPB oversight. 
On or around XX/XX/year> at XXXX, an individual came to my home while I was at work with a camera, Im assuming it was PNCs Bank  appraisal contractor to perform an appraisal or inspection. I had not requested nor authorized an appraisal, nor had I received any written or verbal notice indicating that one would occur. At no time did I consent to photographs or exterior/interior evaluation of my property. This is the second time this same woman has came to my home while I was at work and my children were home alone on XX/XX/year> at XXXX with her XXXX camera despite the signs that I have stating Private Property and No Trespassing. If she comes to my home again, I will call the police and sue PNC for violations. In addition, I did not receive a letter about an appraisal until after this woman came to my home. 

I was not provided no advance notice was provided, despite federal requirements ensuring consumers are informed in advance and given copies of appraisal reports in connection with real estate evaluations. 

This incident raises significant concerns about privacy, unauthorized property access, and compliance with the Equal Credit Opportunity Act ( ECOA ), Regulation B ( 12 CFR 1002.14 ) and Appraisal Independence Requirements ( AIR ). If a lender or appraisal management company ordered or conducted this evaluation without my authorization, it suggests serious procedural and compliance failures. 

I respectfully request that the CFPB investigate whether : My lender or their contracted appraisal management company violated federal or state regulations by initiating or conducting an appraisal without proper disclosure or consent ; Any records, data, or photographs of my home were collected or stored improperly ; and The institutions policies and procedures adequately protect consumers privacy and property rights. 

I am requesting that the CFPB review this matter and take appropriate action to ensure compliance and accountability. I also request a written response outlining the findings and any next steps. PNC IS TO NOT SEND ANYONE TO MY HOME WITHOUT MY CONSENT OR PERMISSION. THIS RELATES TO COMPLAINT NUMBER XXXX AND XXXX. I AM ALSO FILING COMPLAINTS WITH OTHER FEDERAL AGENCIES OCC AND FDIC ALSO WITHIN MY STATE AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Experian continues to report an inaccurate XXXX late payment on my XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX though the account has been paid in full and closed since XX/XX/XXXX. The trade line shows Paid/Closed, {$0.00} balance ( original amount about {$25000.00} ), yet a late mark remains in the XXXX payment history. 

I disputed this item with Experian ( most recently processed in XX/XX/XXXX, per Experians own notice : this item was updated from our processing of your dispute ). Experian replied with generic language ( updated ) but did not provide any documentation from the furnisher to prove a XXXX delinquency actually occurred ( e.g., monthly statement for the alleged late month, full payment ledger, or written verification details ). 

Because the account is paid/closed and Experian has not produced verifiable evidence supporting the late mark, the continued reporting is inaccurate and reflects a non-compliant reinvestigation under the FCRA ( failure to assure maximum possible accuracy and to delete unverifiable data after a dispute ). I submitted identification and dispute materials in good faith ; however, Experians response did not correct the error and provided no proof, leaving the incorrect XXXX late on my file.

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 2025-10-27 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 



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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my Transunion credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the XXXX XXXX credit reporting standard. 
This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code XXXX Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my Transunion credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the XXXX XXXX credit reporting standard. 
This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code XXXX Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

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