vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: WI

Complaint narrative:
They is a lot of false reporting on my credit report and I have address the matter with all XXXX  bureaus and it just keep getting denied. Im getting nowhere. Ive been frustrated. My identity has been stolen again and all three bureaus has been breached. I have already caught someone using my name here in my city once before.

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 2025-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Date of Incident : XX/XX/year> Institution : SoFi Bank Account Type ( XXXX ) : Checking and Savings On XX/XX/year>, I received an email from SoFi stating that my account was being closed due to a policy violation. No specific details or explanations were provided. When I attempted to log in, all my account information was inaccessible, effectively erasing any way for me to review my balances or transaction history. 

I immediately called SoFi customer support for clarity. The representative told me they did not have information on the specific violation and that only upper management could access that data. When I requested to be transferred to upper management, I was told they were unavailable but would return my call. I have yet to receive any follow-up. 

Furthermore, I was told that a check would be sent to return the funds in my account. However, the amount quoted was approximately {$900.00} less than what I had in my checking and savings accounts combined. When I questioned this discrepancy and asked again to speak with someone who could resolve the issue, the representative hung up on me. 

This situation is extremely distressing, especially as my mortgage and other critical bills are due immediately, and I am currently unable to access my own funds or get any reliable information from SoFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent account on my report. Please remove account from my report as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
i actually reached out t the company after car was taken i lost my job was looking for work to cover other expenses that i also fell behind on due to no income the car was taken back a week after payment wasnt received after i called the car lot to notify them of what was going on i did make the first payment or i would not have been able to drive the car it was the second payment that was late and once the car was removed from my driveway this was on my credit report within a month now my credit is damaged and i can not get another car with this on my credit report it has been a little over 3-4 years and this is affecting me badly i do not still have proper housing till this day because of credit scoring and the loans that are there that i never really used im asking for it to be removed so i can finacialy start my credit building over

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 2025-05-29 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: HOVG, LLC
State: PA

Complaint narrative:
i actually reached out t the company after car was taken i lost my job was looking for work to cover other expenses that i also fell behind on due to no income the car was taken back a week after payment wasnt received after i called the car lot to notify them of what was going on i did make the first payment or i would not have been able to drive the car it was the second payment that was late and once the car was removed from my driveway this was on my credit report within a month now my credit is damaged and i can not get another car with this on my credit report it has been a little over 3-4 years and this is affecting me badly i do not still have proper housing till this day because of credit scoring and the loans that are there that i never really used im asking for it to be removed so i can finacialy start my credit building over

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
My two U.S. bank credit cards were closed without warning on XX/XX/year>. I have always used them daily and always paid off statement balances quickly and never late on payments. Total credit line for the XXXX cards was almost XXXX. If I was late, it was due to an error in the system that quickly got resolved. I called on XX/XX/XXXX to authorize a large purchase and they said I could Not make the purchase for whatever reason even though I had plenty of credit limit and my utilization was under XXXX percent at the time. They told me everything was fine and any block was removed and I could use the card for other purchases. The next day, the XXXX XXXX card said suspected fraud on XXXX XXXX  when I tried to use it. 

Ive had these accounts for over 3 years and never had any problems with them. I had over XXXX in points with the XXXX XXXX XXXX card that I abruptly lost because of the closure. These points exceeded XXXX in value.

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 2025-05-29 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 follow-up to my initial dispute ( COMPLAINT # XXXX ) ( XXXX ) ( XXXX ) ) regarding inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for XXXX  Account # XXXX * *. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-05-29 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:
This letter serves as a formal follow-up to my initial dispute ( COMPLAINT # XXXX ) ( XXXX ) ( XXXX ) ) regarding inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for XXXX  Account # XXXX * *. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$66000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
Dear CFPB, I am writing to report a case of identity theft involving my personal information. I recently became aware that a credit card account was fraudulently opened in my name with XXXX XXXX XXXX  in XX/XX/year>, without my knowledge, consent, or authorization. Account # XXXX. 

This account does not belong to me, and I did not initiate or approve any such application. I have never held an account with XXXX XXXX XXXX, and this appears to be the result of identity theft. 

I am requesting that this fraudulent account be investigated and removed from all major credit reporting agencies ( Experian, TransUnion, and Equifax ), as it is negatively impacting my credit report and causing significant distress. 

I have already taken the following actions : Reported the incident to the Federal Trade Commission ( FTC ) via XXXX Placed a fraud alert and credit freeze on my credit files Attempted to resolve the issue directly with XXXX XXXX Bank, but have not received adequate response This is a formal request to the CFPB to assist in ensuring that this unauthorized account is permanently removed from my credit reports and that any derogatory marks associated with it are corrected. 

Please let me know if additional documentation is needed to process my complaint. 

Thank you for your assistance in this matter. 

Sincerely,

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear CFPB, I am writing to report a case of identity theft involving my personal information. I recently became aware that a credit card account was fraudulently opened in my name with XXXX XXXX XXXX  in XX/XX/year>, without my knowledge, consent, or authorization. Account # XXXX. 

This account does not belong to me, and I did not initiate or approve any such application. I have never held an account with XXXX XXXX XXXX, and this appears to be the result of identity theft. 

I am requesting that this fraudulent account be investigated and removed from all major credit reporting agencies ( Experian, TransUnion, and Equifax ), as it is negatively impacting my credit report and causing significant distress. 

I have already taken the following actions : Reported the incident to the Federal Trade Commission ( FTC ) via XXXX Placed a fraud alert and credit freeze on my credit files Attempted to resolve the issue directly with XXXX XXXX Bank, but have not received adequate response This is a formal request to the CFPB to assist in ensuring that this unauthorized account is permanently removed from my credit reports and that any derogatory marks associated with it are corrected. 

Please let me know if additional documentation is needed to process my complaint. 

Thank you for your assistance in this matter. 

Sincerely,

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 2025-05-29 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: CA

Complaint narrative:
I'm writing to dispute incorrect information that is currently being reported on my credit file. Let me be clear this account/item is not accurate, and it should have never made it onto my report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-05-29 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: TN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX 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 2025-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank regarding the unlawful and excessive hold and suspension as well as a closed placed on a check issued by my employer. 

This was not a personal check. It was a payroll or employer-issued check. Despite its legitimacy, Chase has refused to release the funds and has stated that the employer must provide a new verified phone number. The employer has only one official phone number, which is valid, and is fully willing to cooperate and verify the check. However, Chase insists that they can not accept the current number and will only proceed if a new number is registered a requirement that makes no sense and is not part of standard banking practices.

To make matters worse, I was told that it could take up to two years to recover my funds if this requirement is not met. Chase has refused to provide a written explanation for this hold or cite any policy justifying such an excessive delay. 

This situation is causing significant financial distress. I rely on these wages for basic expenses. I have attempted to resolve the issue with Chase through secure messages and phone calls, but I am continuously given vague or unreasonable instructions, and no one will escalate the issue.

I am requesting the following resolution : 1. Immediate release of the funds from the employer-issued check.

2. A written explanation from Chase justifying their decision and policies around employer verification. 
XXXX. A commitment to accept legitimate employer verification using existing contact methods. 
XXXX. Refund of any fees or costs incurred due to this delay. 
XXXX. Confirmation that my account remains in good standing and is not flagged. 

Please assist in resolving this issue and ensuring that Chase complies with applicable consumer protection and banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I submitted a buyback request for XXXX which would take my payment count from XXXX to XXXX. Ive never received any more information about how to pay the final XXXX months through Mohela or the XXXX. Since the administrative forbearance I can not get in touch with mohela and XXXX says that they were waiting on a number from mohela. Mohela is the servicer that told me to submit the XXXX buyback request and said that I would have to pay {$190.00} for each month of XXXX, XXXX, and XXXX to complete my full XXXX process. Thank you for your help in this matter.

Company response to consumer: Untimely response