vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I previously had a SoFi account that was closed, and I am now attempting to open a new Checking & Savings account, both individual and joint ( with my spouse ). Despite not owing SoFi any money, my profile has been flagged with a security concern.

I was told by multiple SoFi representatives that the matter was sent to the Account Security team for review and that I would receive an email update within 3-5 business days. It has now been 7 business days with no communication.

I have contacted SoFi support numerous times by phone and have been repeatedly transferred between departments, including to people I have already spoken with. None of these departments have been able to provide a resolution, a clear timeline, or even confirm what information is needed from me.

This delay is preventing me from accessing essential banking services and managing my household finances as advertised. I am requesting an immediate review and written update from SoFis Account Security team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/year>, OneMain unlawfully ran my credit report via the XXXX  credit reporting agency. I never authorized OneMain to run my credit. OneMain violated USC 15 1681 ( n ) and USC 15 1681 ( o ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
my phone was stolen when i was hospitalized and a robber withdraw money from my bank account at citi bank to a crypto account. 
i contacted citi bank and they did not protect me and cover me those fraudulent transaction they instead closed my accounts at citi bank. i provided police report and proof of stolen phone as well as hospitalization. 
i want my money back and the re opening of my bank accounts please. 
transaction make from bank account number XXXX XXXX $ XX/XX/year> XXXX $ XX/XX/year> XXXX $ XX/XX/year> 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 2025-10-10 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit 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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am writing to normally express my concerns regarding chimes handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBPs findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Collection agency submitted false documents after disputing multiple times and with no supporting documents from agency. Finally submitted false documents with manipulating pdf files I have proof. Move out statement says lease terms from XXXX. Moved out on XX/XX/year> and final move out statement dated XX/XX/year> after turning in keys in office XX/XX/year> with proof. Statement shows damages on top of liquidation damages over charged. I have unsigned documents with rent cafe documents where resident portal entire time was same. Agency sent signed documents from bluemoon with proof audit page showing used pdf manipulation maker with proof. Who they used. Missing pages and logos are missing on bottom of pages. Was blocked since XX/XX/year> from portal. Unable to get lease after requesting from apartment since moved out to resolve.fraudulent activity

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

Complaint narrative:
I have disputed this account with Equifax multiple times. The account is over 7 years old and should have been permanently removed from my credit report according to the Fair Credit Reporting Act ( FCRA ). XXXX  have already deleted this account, but Equifax continues to report it. I have sent dispute letters and did not receive a proper response. I am requesting that this outdated account be deleted from my credit file immediately as required by law.

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

Complaint narrative:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the unauthorized and inaccurate reporting of a credit inquiry that has appeared on my credit report. This matter involves a serious violation of my consumer rights protected under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws. I am requesting a full investigation and removal of the unauthorized inquiry that has negatively affected my credit profile and caused unwarranted harm to my creditworthiness. 
XXXX Inquiry Date : XX/XX/year> The company XXXX is showing an inquiry on my credit report dated XX/XX/year>. I did not authorize or provide any form of written or verbal consent for this company to access my personal credit information. I have no existing business relationship, loan application, or any other financial transaction that would justify this inquiry. The presence of this inquiry is entirely unauthorized and a clear violation of federal law. 
According to FCRA Section 604 ( a ) ( 3 ), a consumer reporting agency may furnish a consumer report only if there is a permissible purpose authorized by the consumer. In this case, no such permissible purpose exists. Furthermore, FCRA Section 607 ( b ) requires all consumer reporting agencies to maintain and report information with maximum possible accuracy, yet the continued reporting of this unauthorized inquiry shows negligence and disregard for compliance. 
Under FCRA Section 609 ( a ) ( 1 ), I have the right to know who accessed my credit file and for what reason. I have not received any documentation from XXXX or the credit bureaus showing proof of my consent or authorization. Therefore, this inquiry should be considered an invasion of privacy and an act of willful noncompliance. 
By maintaining and reporting this unauthorized inquiry, both XXXX and the credit bureau involved are in violation of FCRA Sections 616 and 617, which establish civil liability for willful and negligent noncompliance. This unauthorized action has directly impacted my credit score and caused unnecessary financial distress. 
I respectfully request that the CFPB immediately investigate this unauthorized credit inquiry by XXXX, compel the credit bureaus to permanently delete it from my report, and ensure that corrective actions are taken to prevent further violations of my rights. 
Law References : FCRA 604 ( a ) ( 3 ) : Permissible Purpose Requirement FCRA 607 ( b ) : Obligation to Maintain Accuracy FCRA 609 ( a ) ( 1 ) : Consumer Right to Access Information FCRA 616617 : Civil Liability for Willful and Negligent Noncompliance I am submitting this complaint in good faith, seeking the assistance and enforcement power of the CFPB to restore the accuracy and integrity of my credit file and ensure that all unauthorized activities are permanently removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of a late payment on the account XXXX ( Account No. XXXX, Balance : {$520.00} ). This account has been inaccurately reported as late while it remains in an open and active status. According to FCRA 607 ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or reasonably should know is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-10 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:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/year>, OneMain unlawfully ran my credit report via the XXXX credit reporting agency. I never authorized OneMain to run my credit.OneMain violated USC 15 1681 ( n ) and USC 15 1681 ( o ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
This correspondence is being submitted on behalf of XXXX XXXX to dispute the following inaccurate and unauthorized accounts currently being reported : XXXX XXXX XXXX - XXXX, Balance {$4100.00} / Limit {$3000.00} XXXX XXXX XXXX - XXXX, Balance {$3900.00} / Limit {$3000.00} XXXX XXXX XXXXXXXX - XXXX, Balance {$3400.00} / Limit {$3000.00} XXXX XXXX  XXXX - XXXX, Balance {$3300.00} / Limit {$3200.00} XXXX XXXX XXXX - XXXX, Balance {$2500.00} / Limit {$3000.00} XXXX XXXX XXXXXXXX - XXXX, Balance {$1900.00} / Limit {$1700.00} XXXX XXXX  XXXX - XXXX, Balance {$1900.00} / Limit {$1500.00} XXXX XXXX  XXXX - XXXX, Balance {$1400.00} / Limit {$1700.00} DXXXX XXXX XXXXXXXX - XXXX, Balance {$1100.00} / Limit {$1100.00} XXXX XXXX  XXXX - XXXX, Balance {$270.00} / Limit {$270.00} XXXX XXXX - XXXX, Balance {$300.00} / Limit {$310.00} XXXXXXXX XXXX XXXXXXXX - XXXX, Balance {$0.00} / Limit {$18000.00} XXXX XXXX XXXX - XXXX, Balances {$290.00} / {$330.00} and {$290.00} / {$290.00} XXXX XXXX - XXXX, Balance {$2300.00} / Limit {$2400.00} Multiple inquiries by XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX  reported as Negative without permissible purpose or authorization. 

These accounts and inquiries are inaccurate, unverifiable, and were not authorized by the consumer. Under FCRA 602 ( A ), 604 ( A ), 607 ( B ), 611, and 623 ( A ) ( 1 ) ( A ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy and may not report or continue to report information that can not be verified as accurate or was obtained without permissible purpose. 

I also attempted to submit a formal identity theft report through the Federal Trade Commission ( FTC ) as part of this dispute process. However, due to the current government shutdown, the FTCs reporting systems are temporarily inoperable, preventing the completion of the official identity theft affidavit at this time. 

Therefore, I request that these accounts and inquiries be immediately deleted or suppressed from the consumers credit report pending verification and that all creditors be contacted to confirm legitimacy. Please provide written confirmation of your investigation results within the required XXXX period under FCRA 611 ( a ) ( 1 ) ( A ).

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 2025-10-10 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:
This correspondence is being submitted on behalf of XXXX XXXX to dispute the following inaccurate and unauthorized accounts currently being reported : XXXX XXXX XXXX - XXXX, Balance {$4100.00} / Limit {$3000.00} XXXX XXXX XXXX - XXXX, Balance {$3900.00} / Limit {$3000.00} XXXX XXXX XXXXXXXX - XXXX, Balance {$3400.00} / Limit {$3000.00} XXXX XXXX  XXXX - XXXX, Balance {$3300.00} / Limit {$3200.00} XXXX XXXX XXXX - XXXX, Balance {$2500.00} / Limit {$3000.00} XXXX XXXX XXXXXXXX - XXXX, Balance {$1900.00} / Limit {$1700.00} XXXX XXXX  XXXX - XXXX, Balance {$1900.00} / Limit {$1500.00} XXXX XXXX  XXXX - XXXX, Balance {$1400.00} / Limit {$1700.00} DXXXX XXXX XXXXXXXX - XXXX, Balance {$1100.00} / Limit {$1100.00} XXXX XXXX  XXXX - XXXX, Balance {$270.00} / Limit {$270.00} XXXX XXXX - XXXX, Balance {$300.00} / Limit {$310.00} XXXXXXXX XXXX XXXXXXXX - XXXX, Balance {$0.00} / Limit {$18000.00} XXXX XXXX XXXX - XXXX, Balances {$290.00} / {$330.00} and {$290.00} / {$290.00} XXXX XXXX - XXXX, Balance {$2300.00} / Limit {$2400.00} Multiple inquiries by XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX  reported as Negative without permissible purpose or authorization. 

These accounts and inquiries are inaccurate, unverifiable, and were not authorized by the consumer. Under FCRA 602 ( A ), 604 ( A ), 607 ( B ), 611, and 623 ( A ) ( 1 ) ( A ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy and may not report or continue to report information that can not be verified as accurate or was obtained without permissible purpose. 

I also attempted to submit a formal identity theft report through the Federal Trade Commission ( FTC ) as part of this dispute process. However, due to the current government shutdown, the FTCs reporting systems are temporarily inoperable, preventing the completion of the official identity theft affidavit at this time. 

Therefore, I request that these accounts and inquiries be immediately deleted or suppressed from the consumers credit report pending verification and that all creditors be contacted to confirm legitimacy. Please provide written confirmation of your investigation results within the required XXXX period under FCRA 611 ( a ) ( 1 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year>, I visited a JPMorgan Chase branch in XXXX XXXX to address account documentation and business matters related to the XXXX XXXX XXXX XXXX XXXX, where I serve as XXXX. During my visit, Chase employees and branch security personnel mishandled my private and business information, disclosed it to unauthorized parties, and escalated the situation by calling law enforcement twice without valid cause. 

The actions taken by Chase personnel resulted in an unnecessary police response ( XXXX Case No. XXXX ) and the unlawful sharing of my business and personal details with third parties, including security contractors. Following this incident, I was issued a stay away notice from Chase Global Security, which I believe to be retaliatory and unjustified. 

This incident has caused severe disruption to my ability to manage the Trusts banking activities and constitutes a violation of my privacy and consumer protection rights. I am requesting a full investigation into : XXXX. Why law enforcement was contacted while I was conducting legitimate business. 


XXXX. What personal or business data was disclosed, to whom, and under what authority. 


XXXX. Why Chase Global Security issued a trespass order without due process. 


XXXX. What corrective measures Chase will take to ensure my records and identity remain secure. 



I have documentation of the individuals involved, Chase complaint case numbers ( XXXX and XXXX ), and the names of both branch and security personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
I had some money to the wrong account to do one person for some merchandise ordered. I never received scammer. I need my {$500.00} back.

Company response to consumer: Closed with explanation