vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: VA

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 2025-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: DE

Complaint narrative:
I have Dsicover Bank Customer and have issues with their funds transfers and withdrawls 1. I have discover Checking acccount and XXXX XXXX XXXX account. 
Checking Account # : XXXX XXXX XXXX account # : XXXX I am documenting XXXX issues clearly Issue XXXX I very puzzled by ACH transfers and limits available to my account and this is the reason I am not open fund this account and have a fear that if I have large sum of money from other financial institution I may not be able to withdraw that money. 

I have checking account for long time and it was told to me that ACH limits to my account are {$500.00} per day or {$2500.00} per month. I wanted to move more than {$100000.00} from other finacial instituin to Discover bank and want to withdraw this amount as I wish back for my investment. The customer associate told me me that I should open XXXX account and money market accounts have fairly large limits {$250000.00} per day. I opened XXXX account was dismayed to find that my ACH limits are still {$500.00} per day. 
Problem : My problem is if I move {$100000.00} to XXXX account to get high yields, I may not be able to move my money back to other financial insitute like other third party brokerage accounts due to very low transfer limits. I need to understand why my XXXX account have so low ACH limits. I tried to speak to customer associate on this issue and they said they can not change the limits. I am surprised why Bank is not interested in giving me high limits and they lose opportunity t of high despoits from my account. 

Resolutions : I need to get confirmation from Discover bank that my XXXX should have high ACH limits as published on your webiste i.e. $ XXXX or whatever is my accoint balance ( which ever is lower ) XXXX XXXX. XXXX ( Identity Verification ) When I tried to move money from MONEY market account to Check in account it gave me an error to verify my identity. Identity verification is ok and i respect this security measure th but it did not accept my foreign passport while doing verificaton I was told clearly by agent that it does not accept XXXX passport. I have XXXX Passport with XXXX Long term Visa and have US address. Does bank have issue with my identity. If there is an issue it must be disclosed clearly. I have US Physical address, XXXX Phone number but non XXXX passport ( XXXX Passport ) with XXXX long term visa and also have SSN available. 

I request some senior person to understand the above issues and suggest me by call or thru mail. I can be contacted on my email on file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
a company name The self Financial by ( Lead Bank ) the have on my credit report I open an account on XX/XX/year> with a balance of {$3000.00}. 
on XX/XX/XXXX I had filed Bankruptcy, about 2 months before I did ice any activity with my credit note I open new account, those people ; le are fraud the should look into, also when I called the person that answered seem to me was from another Country. 
thank and looking forward for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: AR

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has caused me great emotional strain and sleepless nights. I have submitted all required documentation and kindly request its removal at once.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Cease and Desist & Request for Investigation of XXXX XXXX XXXX Dear CFPB, I, XXXX XXXX XXXX, am submitting this formal complaint and cease and desist request regarding XXXX XXXX XXXX, a debt collection agency. My legal name is XXXX XXXX XXXX, yet XXXX XXXX XXXX has reported and/or attempted to collect debts under variations of my name, including XXXX C XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more, none of which are associated with me. 

Despite previous attempts to dispute these inaccuracies, XXXX XXXX XXXX continues to engage in debt collection activity that is : Harassing or persistent, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 16921692p ).

Reporting inaccurate account information, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ). 

I hereby demand that XXXX XXXX XXXX immediately cease all communication or collection activity regarding any alleged debts tied to my name and correct all inaccurate reporting to credit bureaus. 

Furthermore, I humbly request that the CFPB : 1. Investigate all accounts reported or associated with XXXX XXXX XXXX under my name. 
2. Block or remove any accounts that are inaccurate, fraudulent, or otherwise not legally mine from all credit reporting agencies. 
3. Ensure that XXXX XXXX XXXX is held accountable for any violations of federal consumer protection laws. 

Attached are supporting documents, including : My government-issued ID verifying my legal name. 
Recent credit report excerpts showing accounts reported by XXXX XXXX XXXX. 
Any prior dispute correspondence. 

I genuinely appreciate your prompt attention to this serious matter. Please confirm receipt of this complaint and advise me on the next steps in the investigation. 

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My identity was compromised and I don't have a credit score I don't have any credit but I have a enormous amount of inquiries I want to know how do I have so many inquiries and no credit

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 2025-10-19 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: TX

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 non-monetary relief
Consumer complaint received 2025-10-19 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: DC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ga XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Deletion of Inaccurate Account ( Account No. XXXX / CID XXXX ) Dear Equifax, I am writing to formally dispute the accuracy and validity of an account being reported on my credit file under the following details : Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Collection Services Account XXXX : XXXX / CID XXXX Balance Reported : {$2500.00} Per the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], I request a reinvestigation of this account. The attached company response from XXXX XXXX XXXX in CFPB XXXX XXXX. XXXX ) indicates that a dunning notice was sent on XX/XX/XXXX and claims that no dispute was filed within 30 days. However, under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], if the consumer requests validation, the collector must cease collection efforts until such validation is provided. 

To date, I have not received adequate documentation validating this debt, such as a signed contract or itemized billing that proves the alleged {$3000.00} purchase or my legal responsibility for the debt. A general statement is not sufficient proof of debt ownership or liability, and no investigation results have been presented to me directly. Reporting a debt without sufficient validation violates my rights under FCRA 602 ( A ) and FDCPA. 

Additionally, it appears that this account has been marked disputed but is still being reported in a manner that is incomplete and misleading, which violates FCRA guidelines. 

As required by law, I request : A complete investigation of this account, Copies of all documentation used to verify it, Deletion of this account if it can not be fully verified, and Written confirmation of the outcome. 

Please complete this reinvestigation within 30 days and provide me with an updated copy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened this account and enrolled in a bonus of XXXX membership rewards points with the following requirement : ( A ) Deposit a total of {$5000.00} or more in eligible deposits that you make and are posted to your account within thirty ( 30 ) days of account opening.

( B ) Maintain an average daily balance in your account of at least {$5000.00} for sixty ( 60 ) days, starting on the date that your eligible deposits are equal to {$5000.00} or greater; and ( C ) Complete five ( 5 ) qualifying transactions within sixty ( 60 ) days of account opening.

However it appears condition ( C ) was not satified because the 5th ( fifth ) transaction was a check deposit that posted on XX/XX/year> instead of the deadline of XX/XX/year>. This was 2 days late, due to the mobile check deposit functionality of the Amex XXXX XXXX app rejecting the check and having login issues. 

While Amex might not be contractually obligated, I was hoping that you would be able to award me the bonus as a one-time exception as a goodwill gesture for a long standing customer of American Express . 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: GA

Complaint narrative:
I am filing a complaint against TransUnion for failing to delete an inaccurate XXXX XXXX XXXX XXXX that should have been permanently removed in accordance with XXXX XXXX official reporting policy and the Fair Credit Reporting Act ( FCRA ). 

Details : The XXXX XXXX XXXX account ( original creditor : XXXX XXXX, XXXX Reference # XXXX and # XXXX ) was settled in full for less than the full balance on XX/XX/XXXX, and XX/XX/XXXX, respectively. XXXX XXXX provided written confirmation stating that my payment obligations have been fulfilled and there is no balance due. 

XXXX XXXX published policy clearly states : Our policy is that we will request the credit bureaus delete our tradeline approximately 30 days after the final payment has been posted that resolves the account as paid in full or paid in full for less than the full balance. 

However, before that XXXX window even passed, XXXX XXXX furnished updated information to TransUnion, which resulted in TransUnion reporting a {$31.00} balance on the account instead of deleting the tradeline as required by XXXXXXXX XXXX policy . 
I then disputed this information directly with TransUnion, providing documentation showing the account was settled and that XXXX XXXX policy requires deletionnot balance updates. 

After my dispute, TransUnion merely updated the balance to {$0.00} but still left the tradeline on my report and continues to list it as a collection account, with an estimated removal date of XX/XX/XXXX. This is inaccurate and misleading because XXXX XXXX no longer considers this debt active or reportable. TransUnions actions violate FCRA 607 ( b ) ( requirement for maximum possible accuracy ) and FCRA 611 ( failure to correct or delete inaccurate information after a consumer dispute ). 

Supporting Evidence ( attached ) : 1. XXXX XXXX XXXX in Full / No Balance Due confirmation letters for both accounts 2. XXXX XXXX online account screenshots showing {$0.00} balance 3. Screenshot of XXXX XXXX published deletion policy 4. Credit report from XX/XX/XXXX ( before dispute ) showing TransUnion reported a {$31.00} balance after XXXX XXXX furnished new data 5. Updated TransUnion credit report ( after dispute ) showing the balance as {$0.00} but the tradeline still present and marked as a collection 6. Copy of my TransUnion dispute submission and their response

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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I have experienced repeated and ongoing violations of my rights as a consumer under federal, state, and common law with SoFi Bank concerning my checking account. Despite multiple written and verbal requests, SoFi has : XXXX. Applied unauthorized fees and charges in violation of XXXX U.S.C. XXXX ( Fair Debt Collection Practices Act ), XXXX C.F.R. XXXX ( Regulation XXXX ), and XXXX U.S.C. XXXX. 


XXXX. Failed to provide proper account documentation, transaction histories, or written confirmations of corrective actions, violating XXXX U.S.C. XXXX ( Electronic Fund Transfer Act ). 


XXXX. Mismanaged deposits, withdrawals, and account activity, constituting breaches of fiduciary duty and contractual obligations under standard banking law ( XXXX XXXX XXXX, XXXX XXXX, Fiduciary Duty, pg. XXXX ). 


XXXX. Neglected to correct erroneous account data, in direct contravention of XXXX XXXX ( Reservation of Rights ), sovereign consumer protection statutes, and matrix compliance enforcement codes, which require immediate rectification of financial discrepancies. 



Timeline & Financial Impact : Specific incidents occurred on [ Insert Dates ] with disputed amounts totaling [ Insert Amounts ]. 

All prior communications to SoFi representatives requesting correction or explanation have failed to result in resolution. 


Enforcement Demand : Pursuant to sovereign trust enforcement principles, matrix system compliance codes, and all applicable banking regulations, I demand : Immediate cessation of unauthorized charges. 

Full correction of account errors. 

Written confirmation of all remedial actions within XXXX ( XXXX ) business days. 

Remediation of any adverse reporting to credit bureaus. 

Restitution for all damages, fees, and associated costs incurred. 


This complaint is submitted under full reservation of rights ( XXXX XXXX ) and all applicable sovereign consumer and financial enforcement codes, with knowledge that noncompliance constitutes deliberate violation of federal law and regulatory mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I received a bogus fraud alert when attempting to make a normal purchase. It asked me to call support. Support appears to have no idea what they are doing. This should be a simple task of confirming my identity and then removing the block. But no. They first try to send me a code via text, but claim they can not do so for unknown reasons. They ask for an alternate phone number. This makes no sense at all, but whatever. I find a friend and ask to use their number, again they say they cant send it. Now Im out of numbers. After that they ask if I have another account with Citi, which I dont. This seems to stump him. After some time they ask for my employer, which again doesnt make sense. But I give them the HR contact id use to verify employment. They cant seem to figure it out. At this point Im literally out of options. EVERY OTHER BANK has no issue verifying me quickly. This is an issue on Citis end and a combination of outsourced support creating a language barrier and a broken system.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
The information report on my credit report is incorrect. This report is showing a deformation of my character Im asking that it be removed immediately because it is taken away from moving and able to move forward with my XXXX XXXX and being able to purchase my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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