vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Subject : Follow-Up to CFPB Complaint # XXXX Fraud Claim Mischaracterization Dear CFPB Team, I am writing to follow up on my complaint against SoFi Bank, N.A . regarding a fraud claim that continues to be mischaracterized in their responses. 

SoFis written reply dated XX/XX/year> frames my dispute as dissatisfaction with merchandise or services. This is inaccurate and misleading. The transactions in questiontotaling $ XXXX made under coercion and deception as part of a social engineering scam. Individuals impersonated XXXX moderators and used fabricated XXXX screenshots to pressure me into sending money via XXXX XXXX and XXXX. These were not legitimate purchasesthey were fraudulent extractions made under psychological manipulation. 

SoFis response fails to acknowledge the coercive context and instead treats the payments as voluntary. Authorization under manipulation is not consentit is exploitation. I have also filed a formal complaint with the California Attorney XXXX XXXX, and submitted a report to the Internet Crime Complaint Center ( IC3 ). 

I respectfully request that the CFPB continue to investigate this matter and urge SoFi to reassess the claim based on the corrected context and documentation. I am prepared to provide additional evidence if needed. 

Sincerely, XXXX XXXX XXXX XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am writing to formally submit a complaint regarding the mishandling of my request to remove my escrow account and the lack of transparency surrounding the process. Despite providing ample notice and following all required steps, my request was never completed before being informed that my loan would be transferred to another institution. 

On XX/XX/XXXX, I called Freedom Mortgage to inquire about the process for removing my escrow account so that I could assume responsibility for paying property taxes and insurance directly. I was advised that a message could be sent through the Freedom Mortgage mobile app to initiate the request. That same day, I sent a message stating my intention to assume responsibility and requested removal of property taxes and other fees from my loan payment. 

On XX/XX/XXXX, I received acknowledgment that my message had been received and that I would receive a written response within 57 days. No written response was ever sent. That same day, I called to follow up and was told that the request would be processed by XX/XX/XXXX and I was also informed I would be transferred to another bank. 

When I called again on XX/XX/XXXX, I was informed that there was no information available as to why the request had not yet been processed, but I was assured it would be completed by XX/XX/XXXX. On XX/XX/XXXX, I called once more and was told there was a pending question regarding whether I wanted both property taxes and insurance removed. I confirmed that I did, and was told the request would be processed within XXXX hours. 

As of XX/XX/XXXX, nothing has been completed. Yet, I was told it would now be processed by XX/XX/XXXX. I was then informed by a supervisor that there was nothing further that could be done because my loan was being transferred to XXXX XXXX  effective XXXX and I would need to call XXXX XXXX  to inquire on their process to remove the escrow account. 

Throughout this entire process, I have acted in good faith, provided timely notice, and met all requirements to have my escrow account removed. The repeated delays, lack of communication, and ultimate failure to process my request before transferring my loan have caused significant frustration and demonstrate a lack of transparency and accountability.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Card has not been activated, Best Buy charged a geek squad anyway without consent. 
Will not transfer me to the fraud department. Will not allow me to dispute the charge. Now charging late fees and reporting to credits agencies

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 2025-10-31 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
On XXXX XXXX I was notified via email from my XXXX  account that my credit score dropped XXXX points. This was my first notification that I had an overdue payment for a USAA credit card. I am XXXX XXXX military and I recently moved overseas. I updated my address and phone number with USAA. The agent I spoke to on the phone told me for some reason my statement was going to my old address in the United States. I did not receive any notifications. I talked to USAA about this and they directed me to their automated system which will not submit my complaint. The agent I chatted with also apologized and refunded the {$35.00} late fee I was charged. I am asking USAA for a good will adjustment to my credit reporting due to having accounts with them for over 14 years without a single late payment. I believe this error in payment to be an error by USAA 's automated 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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit score is being reported incorrectly on multiple different platforms. Ive called XX/XX/XXXX and Experian and requested a re-calculation of my credit score. Its been XXXX years that the same thing has been happening. Every time I call them they tell me that they will send me a credit report and that is the most accurate credit report, although I am advising them They are looking at a credit report but everywhere else it is showing discrepancies and inaccurate scores.

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 2025-10-31 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-31 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: IL

Complaint narrative:
The following accounts are in dispute, and I request that they be corrected or removed from my credit report Charged Off Accounts 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN XXXX ( XXXX ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

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 2025-10-31 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: FL

Complaint narrative:
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 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 : {$870.00} I dispute the accuracy and completeness of these charged-off accounts. Please verify directly with the creditors and remove any unverifiable accounts. 

Inquiries XXXX XXXX  Date : XX/XX/XXXX I dispute this inquiry. Verify authorization and remove it if unverified. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this reported late payment. Verify directly with the creditor and remove it if unverified.

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I had over {$100000.00} go missing from Navy Federal then paid more then a few XXXX XXXXXXXX on credit cards and over {$16000.00} went missing out of XXXX XXXX  they won't give back they keep putting me with same woman who seems in on it. I can't get social security number changed at XXXX Social security office and they told me come in it could be changed. I'm around a guy who I found out was involved in a romance Identity theft scheme in XXXX XXXX XXXX. I have lost XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX settlement then XXXX XXXX for XXXX XXXX and other meds like I was arrested for being on a medication that later said, XXXX, don't take if you've had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX until after being XXXX XXXX XXXX and was told over and over would have to evict XXXX after knowing he was making money making XXXX XXXX XXXX before and after of me and told me to evict him and my {$140000.00} is a XXXX house now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my TransUnion credit report. I request that TransUnion review and correct these errors in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute : Please verify whether this account has been correctly reported as charged off. I request confirmation of the status and balance. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} Dispute : Request verification of the balance and date opened for this account. The information on file does not appear accurate. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Dispute : I request validation of the balance and date for this account. The details appear incorrect. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Dispute : Please verify this accounts balance and status. I believe the information provided may be inaccurate. 

Inquiries : XXXX XXXX Date : XX/XX/XXXX Dispute : Please confirm whether this inquiry was authorized. I do not recall consenting to it. 

XXXX Date : XX/XX/XXXX Dispute : Please verify this inquiry and confirm if I authorized it. 

XXXXXXXX XXXX Date : XX/XX/XXXX Dispute : Please confirm the authorization of this inquiry. 

XXXX XXXX XXXX XX/XX/XXXX Dispute : Requesting validation of this inquirys authorization. 

XXXX XXXX XXXX : XX/XX/XXXX Dispute : Please verify whether this inquiry was authorized by me. 

XXXX XXXX Date : XX/XX/XXXX Dispute : Please confirm if this inquiry was authorized. 

Late Payments : XXXX Account Number : XXXX Dispute : Please verify the accuracy of the reported late payments for this account. I believe the status may have been reported incorrectly. 

XXXX Account XXXX : XXXX Dispute : Please verify the accuracy of the late payments reported for this account. I request supporting documentation or correction if the reporting is inaccurate.

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