vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Dear XXXX XXXX, I am writing to formally dispute the information being reported by XXXX XXXX  to the credit bureaus regarding a closed installment loan account. The account in question is listed as closed on my credit report but is having a negative impact on my credit profile. 
According to my records, this account was charged off and closed. I am requesting that this closed account be reviewed and, if possible, removed from my credit report, as it is either inaccurately reported or no longer relevant under the Fair Credit Reporting Act ( FCRA ). 

Please see the following details : Account Name : Lead Bank Account Number : XXXX XXXX Date Closed : XX/XX/year> Issue : Account shows derogatory status despite being paid in full Enclosed are supporting documents verifying my position, including payoff statements, correspondence with XXXX XXXX, proof of identity. I am requesting that you investigate this matter and take appropriate steps to either correct or remove the account reporting from all major credit reporting agencies. 

Please confirm in writing once the investigation has been completed and the necessary changes have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint Improper Sharing of Secured File Data by XXXX To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning the improper sharing of personal information by XXXX, which resulted in the inaccurate appearance of a public record on my credit reports with Experian and/or TransUnion. 

My XXXX file has been securely locked since XXXX, and no information from this file should have been shared or sold to any third party. Despite this, I have evidence that public record data was provided to credit reporting agencies, causing damage to my credit file and violating the protections outlined in the Fair Credit Reporting Act ( FCRA ). 

This disclosure happened without my consent and in direct contradiction of the locked status of my XXXX file. I have already filed formal disputes with the credit bureaus and XXXX. I am now requesting that the CFPB investigate this matter and take appropriate action to ensure XXXX complies with consumer data security and privacy requirements. 

Enclosed are documents supporting my claim, including proof of the file lock, affected credit report entries, and previous correspondence. 

Thank you for protecting consumers and ensuring the integrity of our financial data. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Formal Complaint Improper Sharing of Secured File Data by XXXX To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning the improper sharing of personal information by XXXX, which resulted in the inaccurate appearance of a public record on my credit reports with XXXX  and/or TransUnion. 

My XXXX file has been securely locked since XXXX, and no information from this file should have been shared or sold to any third party. Despite this, I have evidence that public record data was provided to credit reporting agencies, causing damage to my credit file and violating the protections outlined in the Fair Credit Reporting Act ( FCRA ). 

This disclosure happened without my consent and in direct contradiction of the locked status of my XXXX file. I have already filed formal disputes with the credit bureaus and XXXX. I am now requesting that the CFPB investigate this matter and take appropriate action to ensure XXXX complies with consumer data security and privacy requirements. 

Enclosed are documents supporting my claim, including proof of the file lock, affected credit report entries, and previous correspondence. 

Thank you for protecting consumers and ensuring the integrity of our financial data. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$9800.00}

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 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
In XXXX, I was involved in a serious auto accident, which left me unable to make payments on my loan with XXXX. As a result, the account was sold to XXXX XXXX on XX/XX/XXXX, according to an email notification I received. 

To resolve the matter, I enlisted the services of XXXX XXXX XXXX, who reached a payment arrangement with XXXX. Payments were made in accordance with a {$2500.00} settlement. Separately, in XXXX, I retained legal counsel regarding FDCPA violations involving Personifyspecifically, concerning emails sent during overnight hours. That matter was resolved through a settlement, unrelated to the current debt. 

Recently, I discovered that XXXX allegedly repurchased the debt from XXXX on XX/XX/XXXX. I have made multiple attempts to contact XXXX to resolve the current reported balance of {$7300.00}, which is incorrect, but each call is routed through an automated system to the legal department, where no one returns my messages. 

Given the confusion surrounding the handling of this account, and the lack of response from both XXXX and XXXX not being able to assist, I am requesting that this matter be resolved immediately. XXXX  notified me today the debt was purchased back on XX/XX/XXXX which therefore the payments were not applied and I was not notified by anyone and nobody will assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX 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, Balance : {$690.00} XXXXXXXX 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, Balance : {$4700.00} 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, Balance : {$3200.00} 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, Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MOHELA
State: TX

Complaint narrative:
I am filing a complaint against Mohela for inaccurate credit reporting, mishandling of my XXXX XXXX XXXX XXXX ( XXXX ) documentation, and failure to complete an open investigation. 

My loans were removed from all XXXX credit bureaus after a prior investigation confirmed inaccuracies. Mohela subsequently placed my loans in deferment while reviewing my claims. Despite this, Mohela re-reported my loans to the credit bureaus despite the reasons for the dispute remaining unresolved. 

Mohela has failed to update my XXXX qualifying payment count despite submitting the information multiple times via multiple different avenues ( i.e. online submission, mailed documentation ) over the course of several months. 

I request that Mohela : Cease all inaccurate credit reporting until the investigation is complete. 

Correct my XXXX records and qualifying payment counts immediately. 

Please compel Mohela to comply with FCRA, XXXX, and XXXX servicing guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: CA

Complaint narrative:
I took out a loan from CreditNinja for {$1800.00}. Ive made four payments of {$170.00} each, totaling {$710.00} so far. Despite that, my current payoff balance is {$2200.00}, which is more than I originally borrowed.

The loan has an APR of 225 %, which I believe is extremely predatory. When I accepted the loan, I didnt fully understand just how high the interest would compound or how little of my payments would actually reduce the principal.

Now, after paying over {$700.00}, I owe more than when I started. This loan feels designed to trap borrowers in a long cycle of debt.

I later found out that CreditNinja uses a rent-a-bank scheme, partnering with a Utah-based bank that allows triple-digit interest rates even though my state has strict lending laws. I feel this setup was used to bypass consumer protections that would otherwise make this loan illegal where I live.

This is functionally no different than a payday or tribal loan just repackaged to look legitimate.

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Dear Equifax I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. I did not authorize XXXX XXXX to access or pull my credit file, and I have no current or past relationship with them that would justify this inquiry. 

The hard inquiry in question is listed as follows : Company Name : XXXX XXXX  Date of Inquiry : XX/XX/year>2023 Reported By : EQUIFAX According to the Fair Credit Reporting Act ( FCRA ), only authorized parties may perform a hard inquiry on a consumers credit report. Since I did not grant permission for this inquiry, I am requesting that it be removed from my credit file immediately.

Please conduct an investigation into this matter and provide me with written confirmation of the outcome. I have enclosed a copy of my credit report with the disputed inquiry highlighted, along with identification documents to verify my identity.

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX  - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  - I was never late on this account, please remove late payment history.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Investigation and Removal of Unverifiable Information under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally dispute the accuracy and completeness of certain information contained in my Equifax credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that XXXX  initiate a reinvestigation of all information in my file that can not be verified and remove any and all unverifiable, outdated, or inaccurate items.

The FCRA ( 15 U.S.C. 1681i ) mandates that XXXX conduct a reasonable investigation of any disputed information and complete this investigation within 30 days of receipt of the dispute. If the disputed information can not be verified, it must be promptly deleted from my credit file. Failure to do so constitutes a violation of federal law and may result in legal action, including statutory damages, attorneys fees, and injunctive relief.

I am not required to identify specific items in order to trigger this obligation under the FCRA, and I decline to do so. Instead, I am exercising my right to request that XXXX  verify the accuracy and validity of all information reported under my name and delete anything that can not be fully substantiated. 
Enclosed are copies of the following documents to verify my identity : A copy of my drivers license or state-issued ID A copy of my Social Security card A copy of a recent utility bill or bank statement to verify my current address Please confirm in writing the outcome of your investigation and provide me with an updated copy of my credit report once your review is complete. 
Thank you for your attention to this matter. I look forward to your timely response in compliance with the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I opened an account with XXXX on XX/XX/XXXX with the intent to transfer my savings from my XXXX account to the XXXX account and have a joint account with my husband. I began transferring funds through the XXXX app, which prompted me to use XXXX to connect to my XXXX accounts. I followed the steps and was able to connect my account and begin the transfer of {$15000.00} and {$3000.00} in XXXX separate transactions. Later that day I got word that the transactions had been rejected and the money was never transferred. XXXX said there was either an issue with how i typed the bank account numbers in or it was blocked by XXXX. Since i used XXXX to connect the accounts, which does not require typing any numbers, I called XXXX. XXXX said they did not block the transaction. Thinking it was just a glitch, i tried again. This time I did XXXX transaction of {$18000.00} and it went through. On XX/XX/XXXX I decided to transfer more money from my XXXX accounts and initiated XXXX transactions through the XXXX app from XXXX of my XXXX accounts that were already connected. These amounts were {$3300.00} and {$4900.00}. The {$3300.00} transaction went through but the {$4900.00} got rejected siting my account information was incorrect. Since this was the XXXX  time i got this error, XXXX placed a restriction on my account. I called them and described the whole situation and was told it would take XXXX  day to review everything. I called back on XX/XX/XXXX to check on the status of the account and was informed my account would be shut down. Given that i had just transferred more than {$22000.00} into the account i asked what would happen to the money and how could i retrieve it. I was told they were going to send a check in the mail. I expressed that I would prefer that they just wire back the money from where it came from as sending my XXXX  as a check to me could get lost in the mail, stolen, etc. I was told they would escalate the issue. I called back later the same day and was told that once all the money i transferred to the account cleared I could get it transferred back to my XXXX account prior to the closure of my account. I called back again on XX/XX/XXXX to initiate the transfer since all my money cleared and was told that the only way to get my funds was to receive a check. The back and forth regarding policy, the mount of misinformation, and the fact that i was never told why my account was closing has been beyond frustrating. From my end i did not do anything wrong and used the exact steps outlined by XXXX  to transfer my money and now I'm being penalized with a risk of losing my XXXX. I'm in disbelief regarding the lack of support, solutions, and transparency from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief