vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/year>, I filed XXXX disputes with Citizens Bank regarding duplicate unauthorized transactions from " XXXX XXXX '' on my account. These transactions were in the amounts of {$490.00}, {$990.00}, and {$490.00}, totaling {$1900.00}. The disputes were filed under Claim Number XXXX. 

I was issued provisional credits by the bank for the disputed amounts while the investigation was pending. 

On XX/XX/year>, at XXXX XXXX, I called the Citizens Bank dispute line ( XXXX, option XXXX > XXXX > XXXX ) and spoke with a representative named XXXX. During this call, I specifically asked what would happen if the merchant refused to return the funds. XXXX assured me that the provisional credits would become permanent, stating clearly that even if the money could not be recouped from the merchant, you are still covered and the dispute and credit would be permanent either way. 

Relying on her statement, I reasonably believed the matter was resolved and used the credited funds to cover other expenses. 

Then, without further communication or opportunity to contest, the bank denied the disputes and scheduled to reverse the provisional credits, which would result in overdrawing my account and causing me financial harm including the risk of missed payments on other bills. 

On XX/XX/year>, at XXXXXXXX XXXX I called again and spoke with XXXX, a supervisor in the dispute department. He acknowledged my concerns and stated he would submit a request to reopen the dispute and would document my previous conversation with XXXX, in which I was told the credits were permanent and I did not need to worry. 

I relied on a clear, specific assurance made by a representative of Citizens Bank that these credits were final and permanent. I acted in good faith based on this guarantee. The banks reversal of these credits, despite what I was told, is misleading and unfair. This is a violation of good faith and fair dealing under Regulation E and consumer protection principles. It is unconscionable for a bank representative to give such an assurance and then allow the bank to financially harm the customer who relied on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involve

d. 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 non-monetary relief
Consumer complaint received 2025-07-03 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). 

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To : Experian, TransUnion, and Equifax Credit Bureaus I am formally requesting the removal of the following accounts from my credit report in accordance with federal law, including Senate Bill 5480, Regulation V, and guidance from the Consumer Financial Protection Bureau ( CFPB ). 

The accounts listed below were used to pay off medical and dental expenses, and therefore must be removed from my credit file : XXXX XXXX XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX Per federal regulations, medical-related debt is not to be included on consumer credit reports under these circumstances. I am disputing the accuracy and legality of this reporting, and I expect prompt action in accordance with the law. 

Please consider this a formal dispute and demand for removal. I request written confirmation of the deletions within the timeframe required by 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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-07-03 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens charged me a late fee XXXX that they waived. They waived as I made a phone payment, the original payment was processed as well in check form. They took XXXX payments that day. I was then informed late again XXXX charged a late fee check was processed XXXX. I was assessed a late fee they will not waive. My concern is that this is the only institution I am having " late '' issues with and that we assume it is the mail but I am more interested to know how they process the payments as my payments are a day late after late fees are assessed. I feel that the payment is there and not being processes in a timely fashion. The time it took from me mailing and processing is out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: LEXISNEXIS
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
Applied and approved for a {$25000.00} personal loan with SoFi. Disbursement was marked as funded on XX/XX/year>, but no funds were received. SoFi sent the funds to an incorrect XXXX bank account number due to an internal error. The original loan application, our uploaded bank statement, and our autopay setup all had the correct XXXX account number. We also confirmed the correct account over the phone. 

We immediately contacted SoFi support. One agent acknowledged the error and confirmed the wrong account number was used. On escalation, another agent became combative, refused to provide a timeline, reference number, or employee ID, and denied what the previous agent had said. No one has provided confirmation of t

he ACH return or reissue timeline. We are now accruing interest on a loan we havent received. SoFi has
refused to pause interest or take accountability, despite clear documentation that the error was not on our end. We requested correction and immediate reissuance of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Company : MoneyLion Problem : I was charged multiple times for the same repa

yment and was not allowed to change my repayment date. Description : MoneyLion has charged me {$160.00} three times for a single repayment : once on XX/XX/year>, again on XX/XX/year>, and there is now a pending charge for XX/XX/year>. I only authorized one repayment. 

When I attempted to adjust my repayment date to avoid this, the system did not allow me to alter it. These unauthorized charges have caused financial hardship. 

I contacted MoneyLion to request an immediate refund of the duplicate charges, but they have not resolved this issue. I am requesting : A refund of the duplicate payments. 
Cancellation of any pending duplicate charges. 
Confirmation that no further unauthorized attempts will be made on my account. 

Screenshots of my bank account showing these charges are available and can be provided as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-03 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: LA

Complaint narrative:
My name is XXXX 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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Starting around XX/XX/XXXX and continuing through XX/XX/XXXX, I have received daily phone calls from Portfolio Recovery using various phone numbers, including XXXX numbers and local numbers from XXXX, XXXX  and XXXX XXXX, XXXX I have repeatedly told them to stop contacting me, but they continue to call from different numbers even after I block them. 

The debt they are calling about was originally delinquent in XX/XX/XXXX. Because of the age of the debt, it has already been removed from my credit reports. I have not made any payments or acknowledged the debt. 

I requested documentation showing the original delinquency date and details of the debt, but they refused to provide the information, stating that they would only send it to an attorney. I am not represented by an attorney. 

I live in XXXX, and the debts originated in XXXX. Both states have a XXXXyear statute of limitations, which has clearly expired. Despite this, they continue to harass me with repeated calls, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that Portfolio Recovery stop all calls and communication regarding this and any other accounts they may have in my name, and that they provide full validation of the debt if they intend to pursue it further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the reinstatement of my accounts which was recently removed or deactivated. 
I do not why these accounts of mine have been removed without my consent. I value the services provided by your platform and would greatly appreciate the opportunity to continue using the account. Please let me know if there are any actions required on my part or documents I must provide to support this request.

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 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TX

Complaint narrative:
I am behind on my student loans since they are no longer deferred. I have been XXXX  with XXXX XXXX and it is challenging to keep up with my bills and loan payments. Some days I can not make it through a full day of work due to my XXXX. It has been really hard for me to keep up. I even had my car repossessed due to not being able to afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I received a personal loan through XXXX XXXX XXXX XXXX to pay off my credit cards and the XXXX card was one that I was paying off. XXXX sent a cashier 's check to Synchrony Bank on XX/XX/XXXX. Synchrony Bank cashed the check but never applied it to my account. I now have late fees and interest on my account. I spoke with XXXX and they said that it's my problem and they can only provide me with the copy of the cashed check but that they could not call Synchrony Bank to figure out where their money was applied to. I spoke to Synchrony Bank and they informed me that I had to fax them a copy of the check, which I did ( on XX/XX/XXXX ) and then they emailed a letter ( on XX/XX/XXXX ) saying that it wasn't enough proof for their investigation. I have a payment due on XX/XX/XXXX and I don't want this to affect my credit score.

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