vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting wrong account number and opening dates for account to keep it current. I currently have an account with the company they are collecting for, and they are using that account number, but the account is not delinquent. I had a previous account with the company they are collecting for that has a different account number and opening date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TN

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
nd state : The company never validated the debt They never provided a contract or chain of assignment They refused to respond to you directly They are reporting duplicate debt They are violating FDCPA 809 ( b ) They are violating FCRA 623 ( a ) ( 3 ) You demand deletion immediately

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 2025-11-19 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
Ability recovery services has added an unknown collection to my XXXX XXXX that needs to be removed immediately. It is not my debt. I do not owe anyone nor been late. I have never been contacted or given notice of this debt. It is reporting on all XXXX credit bureaus and needs to be removed from all.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Bank requested an IRS form from me. They did not provide clear instructions about how to fill out the form and had terribly long wait times when trying to call for clarification. 

I filled out the form and accidentally missed a checkbox. Citibank rejected the form but didn't bother notifying me in any w. After a couple of weeks, I was wondering why my accounts were still frozen and called in. that's when they finally told me about the missing checkbox and agreed to send me a new blank form to try again. After sending the second on in, they abruptly closed my accounts and said it was because this time I checked a box I wasn't supposed to and they only allow up to 2 attempts. 

They closed both my accounts with them even though the original request was pertaining to only one of the two and the other one had been open for a while and never had any issues. 

They didn't just close the accounts but also confiscated over {$1000.00} of reward points in the process. 


Overall, just a terrible experience and I would advise consumers to stay away from dealing with Citibank for anything. especially premium credit cardsd.

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 2025-11-19 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent

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 2025-11-19 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent

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 2025-11-19 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
I am writing to formally challenge the accounts identified. I did not approve or open them and do not recognize any association. Please conduct an appropriate review and remove them. Relevant documents are enclosed.

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal denied XXXX unauthorized transactions totaling {$2400.00}. I did not authorize these payments. My account was compromised, yet PayPal denied all XXXX disputes using the exact same boiler-plate text. They claimed the transactions matched prior activity and that logins came from the same location. This is not a reasonable investigation under Regulation XXXX. 

I appealed XXXX  decision once, and even on appeal they denied all XXXX cases again using the same generic explanation, without providing any device data, login logs, IP logs, or proof that I authorized any transaction. 

PayPal also told me to file with XXXX, which does not reimburse consumers and does not replace XXXX legal obligation under XXXX XXXX XXXX to properly investigate unauthorized transactions. 

All XXXX disputes were denied without actual investigation. I am requesting CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Veros Credit, LLC
State: FL

Complaint narrative:
My XXXX XXXX XXXX ( VIN ending XXXX ) was involved in an accident prior to XX/XX/XXXX. The vehicle was damaged, not drivable, and never repaired back to working condition. 

At the time of repossession, my insurance claim was under review. I believed the car was totaled due to the car still not able to be driven or come on. 
Because the vehicle was in a damaged, non-operational state and the insurance process was active, Vero Credit was required to allow the claim and the GAP coverage I purchased to be completed before taking any collection or repossession action. 
Instead, they treated the account as delinquent and moved straight to repossession. never receive i never received a Notice of Intent to Sell ( required at least 10 days BEFORE selling a repossessed vehicle ), a Post-Sale Deficiency Notice ( required AFTER the vehicle is sold stating sale price, fees, and balance ). I only learned of the auction after the sale occurred. After the auction, Vero Credit contacted me attempting to force a settlement for a remaining balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), your company must verifythrough the physical verification of the original signed consumer contractany and all accounts you report to assure maximum accuracy. 
Please provide a copy of the verifiable proof ( an original consumer contract with my signature ) you used to verify these items when first reported. Under the FCRA, unverified accounts must be deleted promptly. Please also block this information pursuant to 605B and notify all furnishers. 
I demand the following accounts be removed immediately : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : {$7600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : {$6600.00} XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX : {$2200.00} XXXX. XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$230000.00} XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2100.00} XXXX. XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$210.00} XXXX. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$120.00} I dispute the following inquiries that appear on my credit report. Please provide documentation showing a verifiable permissible purpose and my written authorization for each inquiry, or remove them immediately : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
SoFi has obstructed my access to my IRA funds for over a month, provided contradictory explanations, and enforced a non-existent internal rule that is not disclosed anywhere in SoFis policies, agreements, or fee schedules.

I have submitted a complete and valid IRA distribution form multiple times. SoFi refuses to process it unless I change the distribution amount to match a {$100.00} minimum balance rule that they can not cite or provide in writing. This rule does not appear in the IRA agreement, the distribution form, or SoFis official fee schedule.

Important facts : I did not request or authorize the {$100.00} courtesy credit that SoFi added to my account.

Despite that, SoFi is using this unsolicited credit to force a minimum balance requirement and deny access to my actual IRA funds.

The SoFi app clearly displays my full IRA balance as withdrawable.

It showed {$220.00} as withdrawable within 6 days and allowed me to begin the withdrawal process.

During the withdrawal flow, the app auto-filled {$220.00} as the withdrawable amount.

This directly contradicts SoFis claim that only {$130.00} can be withdrawn.

When attempting the withdrawal, the app displayed a system error : Were experiencing an issue with IRA withdrawals in some states due to new tax withholding requirements.

This confirms the issue is a SoFi system failure, not a legal or regulatory requirement.

SoFi staff continue to claim I must revise my form to list exactly {$130.00} or they will not process it.

This forced alteration is not based on IRS rules, Apex Clearing rules, or any SoFi documentation.

SoFi refuses to provide any written policy supporting the internal rule they are enforcing.

SoFi is also running public promotions promising easy access to funds, instant investing, and up to {$1000.00} bonuses for depositing {$50.00}, which is inconsistent with the difficulty they are creating in accessing my own IRA funds.

SoFis actions have resulted in : Misrepresentation of my withdrawable balance Displaying inaccurate information in their app Refusing to process a valid distribution request Enforcing internal rules that do not exist in writing Forcing me to rewrite legal documents Obstructing access to retirement funds for over a month I am requesting CFPB intervention to : Require SoFi to process my submitted IRA distribution form without forcing revisions Stop using undisclosed internal rules to block consumer withdrawals Address the inaccurate and misleading withdrawable balance representation in their app Review SoFis use of an unauthorized credit to impose restrictions Investigate discrepancies between SoFis public marketing and its actual handling of customer funds Thank you.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I had XXXX removed from my account. When I called the bank to enquire about the charges they say that I made a claim saying I never received money from an atm. I never made any such claim and I asked the bank support to please tell me who made this claim and was this claim made from my husband or my device and they told me no it wasn't but that the money was taken with his card but neither he nor I did such a thing. We were both at work. The claim was made by a lap top in another country. We do not own a laptop and we have never left this country. I was told that they would investigate and give me a response for the claim after 10 days. During this time another claim was made and this time I actually received an email alerting me regarding this and was able to stop and reverse the claim. The claim was made from an unauthorized user and not by us. We were able to get a decision on the first claim made and it was not reversed. We were told we must have shared our information with a scammer or the like. We did no such thing. I would like to have my account be credited the negative XXXX dollars. I have requested the investigation information that they based their decisions on but have not received that information as of yet.

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 2025-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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