vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: IN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I applied for an apartment 3 months ago and put down a holding deposit with the application. The application was cancelled as I got rejected, and I was told over the phone that they would release the deposit via check to me within the week. 3 months had gone by, and they did not. I submitted a dispute after I moved from XXXX to another apartment in XXXX, and reached out to the corporate office of the property management company. Within days of doing this, I had heard back ( surprise surprise ) that they were " ready to release the check '' ( months later ) but couldn't because of the dispute. I wait though the process, and the dispute got denied despite having in writing that they were going to pay out the funds until Sofi got involved. I reach out to the support team ( who can't even spell in English correctly ), and they look into the ticket. I request the full dispute ticket to see the reason it was rejected, in which the support agent says there is no documented reason it's rejected and can not provide the ticket. I have in email writing from the complex they were going to release the funds, I'm not sure why the dispute was rejected ( and apparently neither is anyone else because it's not documented ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: VA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the XXXX U.S.C. Code XXXX ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under XXXX USC XXXX ( a ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, I made over {$6600.00} in payments to my Apple Card, issued by Goldman Sachs. This includes a {$1800.00} payment on XX/XX/year>, and a {$1000.00} payment on XX/XX/year> both of which cleared my XXXX XXXX XXXX XXXX account. Prior to these payments, I consistently made timely payments and paid substantial monthly interest, without encountering credit access issues. 

Despite these large, cleared payments, my credit limit was reduced or made unavailable without explanation. As of XX/XX/year>, my Apple Card balance reflects only {$330.00}, yet my available credit shows {$0.00} out of a {$2000.00} credit limit. I attach a screenshot of this contradictory balance detail : it clearly shows that despite paying down my balance significantly, no credit is being restored for use. 

My card has been repeatedly declined for legitimate transactions, including my daughters authorized spending, causing harm and hardship. I have submitted multiple written requests, including under the XXXX for XXXX accommodation, requesting all responses be provided in writing. XXXX and Goldman Sachs have failed to provide a substantive written response. Instead, they reference phone attempts without addressing the substance of my concerns. 

This pattern of conduct began immediately after I raised written concerns about the misapplication of payments intended to pay down my XXXX XXXX installment plan. Instead of being applied to the installment, payments were diverted to the revolving balance, frustrating my attempt to pay off the installment early. This has escalated to what appears to be retaliatory or systematically improper handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
I have sent multiple messages and called numerous times trying to get an answer. I am due {$790.00} in overpayments, and I am trying to get a refund. Due to MOHELAXXXX processing times it has been over 12 months. I'm unable to get through to a representative as they have completely cut off their phone service with automated messages that tell you to email them- which I've done multiple times with no response.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally is reporting a CHARGE OFF on my credit report which is not accurate. The matter is regarding an extension on a lease that was paid in full with zero late payment or missed payment on a 48 month lease - Account number XXXX. I extended the lease for one additional month. Made a payment for the month and return the car. After retuning the car i received a bill for damages that was very high. When I called, I spoke with a supervisor by the name of XXXX and explained to him that I was told a date to return the car and do so. XXXX also advised that my last payment wasnt received. I provide XXXX with my payment confirmation number. He then told me that he would open an investigation into the matter and he also stated that he would pull the recorded call to verify what i was saying. XXXX said that he would call me back and never did. XX/XX/year> I get an alert from Experian that the account was charged off with out ever receiving a call back or results from the investigation. I called Ally and was told to call the collection agency that has the account. I did and was told that I needed to speak with Ally. 

Please remove the charge off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: World Acceptance Corporation
State: GA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( XXXX  ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal Credit Union has been charging illegal overdraft fees, including delayed peer-to-peer payments and undisclosed processing times, There was money available for the XXXX charge at the time of processing. navy federal is waiting until money is unavailable to take out ACH payment after payment for XXXX payment has been processing over 4 days to cause a returned check fee I was charged returned item fee on XX/XX/year> XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX recently sold this account to XXXX XXXX XXXX therefore, they can not continue to furnish the account on my consumer credit report. I demand that the account be removed immediately. Continue furnishing this account is a consumer privacy violation.

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 2025-06-27 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: MA

Complaint narrative:
See FIle attached! CFPB Complaint Your Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX SSN ( Last XXXX digits ) : XXXX Date of Complaint : XX/XX/year> Company You Are Complaining About : XXXX XXXX XXXX Also Report the Bureaus Involved : Equifax, TransUnion Incorrect information on my credit report I am being reported late on accounts for which I have no access to pay. I have never been supplied with account statements, legal notices, collection letters, past due notices or phone calls. 

I am submitting this complaint because XXXX XXXX XXXX is reporting two delinquent accounts to the credit bureaus ( Equifax and TransUnion ) that are falsely attributed to me, causing significant damage to my credit. 

I am not the primary account holder for these accounts ( # XXXX and # XXXX ). XXXX has confirmed to me directly that I am not authorized to manage or access these accounts. I have never been given : Monthly statements Collection notices Full - Payment portal access Any formal notice of a past-due balance Because I had no legal access or managerial control over these accounts, I was never given an opportunity to resolve or dispute any alleged delinquency, which is a violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite submitting formal disputes to the credit bureaus ( Equifax and TransUnion ), the accounts remain on my report, listed as delinquent. The credit bureaus appear to have simply accepted XXXX 's word without obtaining actual evidence of my legal access. 
The continued reporting of these accounts is causing me harm through lower credit scores, denial of financial opportunities, and emotional stress over accounts I have no legal ability to manage or resolve. 

Screenshots are attached below showing that I have no access or contact as a secondary owner. My credit was not used in consideration of the original transaction, and this accounts financial obligation belongs solely to the primary owner. I was explicitly told by XXXX Customer Service that I do not have access as the secondary owner. Additionally, after I was notified of the first late payment, I called XXXX again and was told once more that I have no account access, and that a deletion request would be submitted on my behalf since I am not liable.

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 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-27 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: MI

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 2025-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The Morons at Capital One Bank closed my VERY IMPORTANT lawyer trust account which is monitored by the Louisiana Supreme Court! This will cause a myriad of problems with the Louisiana State Bar and my law practice. 
The nexus of the problem : Capital one has created an arm called KYCSolultions. I have never heard of it. After some fact gathering and searching email folders, I finally found the Single email they sent asking for verification of the account for XXXX XXXX purposes. The email looks JUST like a spam ( Phishing ) email. It comes from XXXX and has KYCProjects behind that. It is a very plain email and I disregarded it like the dozens of emails I get daily asking if I can wire money to XXXX and get a XXXX dollar fee for doing so, or if I want a Ukranian wife. The laughable part of the whole adventure is that XXXX stands for " Know your Customer '', and I can not believe how out of touch Capital one is. They have my cell number, but only call that when they want to offer a high interest credit card. Not to call and tell me they are about to cancel my incredibly important trust account and hobble my business. Of even greater concern is that despite the account being " frozen '' for on XX/XX/XXXX, they accepted over {$14000.00} of client settlements and never made a sound. 5 days later ; they closed the account stating " customer withdrawal ''. Talk about panic! No call, no viable email clearly stating the business at hand, and no warning that client money was about to be sent to an old office addres they had on file. My client can now file a bar complaint against me and the bar association can suspend my law license for " failure to safeguard client funds. '' To say that I am disappointed and in danger is an understatement. Please slap these idiots awake and sanction them accordingly. This is THE WORST customer service I have ever received, and on the most important of issues. My livelihood and client money are at issue. Please expedite this complaint as best you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2025-06-27 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-06-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
this account was a result of identity theft i have no knowledge of this account from XXXX XXXX XXXX

Company response to consumer: Closed with explanation