vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I was scammed into sending {$1900.00} via XXXX XXXX funded through my SoFi account. The payment was authorized, but only because I was misled and induced under fraudulent pretenses. 

The scammer instructed me to send the money to a specific XXXX XXXX number on XX/XX/XXXX. And than XXXX XX/XX/year>, this individual denied ever giving me that number and told me to charge back my money with my bank. This clearly shows I was deceived into sending funds to someone who misrepresented themselves. 

When I first filed my dispute with SoFi on XX/XX/XXXX, I mistakenly selected unauthorized transaction. In reality, the transaction was authorized but fraudulent. I quickly clarified this with SoFi, explaining the error and that the payment was induced by fraud.

SoFi responded that no error was found and closed the case, without properly considering my corrected explanation or the evidence of fraudulent inducement.

This was not a legitimate transaction and falls under protections of the Electronic Funds Transfer Act ( Regulation E ). SoFi is refusing to properly reinvestigate and correct the loss.

What I want : I want SoFi to reopen and reinvestigate my claim with the corrected information.

I am requesting a full reversal/refund of the {$1900.00} that was taken from my account due to fraud.

I also ask that SoFi be required to explain why they denied my initial claim without considering the corrected facts and new evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Dear Sir or Madam, I am writing to formally express my concerns regarding the service provided by SPS select portfolio service, llc with respect to my mortgage escrow account. Since XXXX, it appears that there has been a significant lack of analysis and proper management of my escrow account, which has now resulted in a negative balance. This situation is deeply troubling, especially considering that I have received no clear calculations or explanations from SPS that would justify this negative balance, in years while repeadtly requesting in wirting or by phone immediately correct this fraudulent actions. 

Furthermore, I encountered another serious issue when my XXXX homeowners insurance policy was canceled in XX/XX/XXXX, due to non-payment by SPS. I was informed my escrow was cancelled by me on my dashboard just looking at my mortgage, despite a clear agreement that they would make the necessary payments on my behalf. I have documentation that evidences SPS 's commitment to cover my homeowners insurance, which they failed to uphold. As a result, I was left without coverage for six months, only becoming aware of this alarming gap in XXXX. 

Now, it seems that SPS wishes to conduct an analysis regarding my account. However, I am concerned that this new analysis will not include 6 SIX years of previous erroneous calculations, nor will it account for the lack of communication and the negative balance that has arisen. It is unacceptable that I must continually advocate for transparency and accountability concerning my own finances. 

I kindly request that the CFPB investigate these matters thoroughly. It is imperative that SPS be held accountable for their apparent failure to manage my escrow account appropriately and for the consequential loss of my homeowners insurance coverage. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: WI

Complaint narrative:
USC 1681g requires the identification and deletion of these incorrect accounts within fifteen days of receiving notice.

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 2025-08-20 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-20 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MO

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of my fraud claim ( Claim Number : XXXX, Account ending in XXXX ). 

On XX/XX/year>, I reported an unauthorized fraudulent transaction. Bank of America attempted recovery but later closed my claim, stating that the recovery was unsuccessful. I received a denial letter on XX/XX/year>. 

I believe the bank did not provide sufficient assistance or due diligence in protecting my account and recovering the lost funds. I am seeking further investigation into this matter, a detailed explanation of why recovery was not possible, and whether additional remedies are available under federal regulations. 

Attached are the denial letter and related correspondence from Bank of America. 

Requested Resolution : Reinvestigation of my fraud claim Written explanation of the denial Any possible reimbursement or consumer protection remedies available under applicable law My Contact Information : Name : [ XXXX XXXX ] Address : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Email : [ XXXX ] Phone : [ 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 2025-08-20 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX XXXX  XXXX BALANCED : {$2900.00} XXXX XXXX BALANCED : {$3300.00} XXXX XXXXXXXX BALANCED : - XXXX XXXX XXXX XXXX BALANCED {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX BALANCED : {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX XXXX  XXXX BALANCED : {$2900.00} XXXX XXXX BALANCED : {$3300.00} XXXX XXXXXXXX BALANCED : - XXXX XXXX XXXX XXXX BALANCED {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX BALANCED : {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX Balance {$23.00}, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX Balance {$23.00}, 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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
On XX/XX/2025, Robinhood improperly initiated two identical withdrawals of {$18000.00} from my XXXXXXXX XXXX XXXX XXXXXXXX ) checking account ending in XXXX XXXXXXXX, even though I only authorized a single transfer. 

This error forced my account into overdraft and caused financial disruption. On XX/XX/XXXX, Robinhood processed a Reversal credit of {$18000.00}, but not before the duplicate withdrawal had already harmed me financially.

Compounding the issue, Robinhood has since : Restricted my instant deposit privileges, which were active before this error. 
Withheld a legitimate {$2200.00} deposit initiated on XX/XX/2025, leaving my funds in limbo and inaccessible. 

I contacted Robinhood support, requested escalation, and was refused. Instead of addressing the duplicate withdrawal and withheld funds, they provided generic responses and directed me back to my bank. 

I am requesting : 1. Immediate release of my {$2200.00} deposit from XX/XX/2025. 
2. Restoration of instant deposit privileges.

3. Reimbursement of any overdraft fees and related damages caused by their duplicate withdrawal.

4. Written confirmation that this error was on their end and will not impact my account standing in the future. 

Attached are screenshots of my bank statements, Robinhood transfer history, and support chat logs documenting the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly remove these unauthorized accounts from my credit report, as I did not authorize their creation and was unaware of their existence. In accordance with USC 1681g, I am requesting their deletion within 15 days. Supporting documents are enclosed.

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 2025-08-20 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: TX

Complaint narrative:
remove ever hard inquiries ever closed account wrong address discharged accounts charge off account I have ask for it to be removed still on there Experian Equifax trans union every account needs to be removed.XXXX  XXXX XXXX. 
Balance - Balance updated - Credit limit Monthly payment - Highest balance

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 2025-08-20 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: TX

Complaint narrative:
remove ever hard inquiries ever closed account wrong address discharged accounts charge off account I have ask for it to be removed still on there Experian Equifax trans union every account needs to be removed.XXXX  XXXX XXXX. 
Balance - Balance updated - Credit limit Monthly payment - Highest balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX Balance Owed : {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
A check was mailed on XX/XX/XXXX for the statement balance to pay my credit card. The check was received last week on XX/XX/XXXX or XXXX but still hasn't posted. 

I called Citi Bank and was told they are getting a lot of complaints about this and will add my name to the pool of names of complaints about payments not being processed. 

I live in XXXX, PA which is the same state the payment was mailed from and sent to. There's no reason for it not to have been processed. 

My bank mailed a check on my behalf to : CITI CARDS XXXX XXXX XXXX XXXX PA 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 2025-08-20 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: TX

Complaint narrative:
My account with XX/XX/XXXXXX/XX/XXXX was never late! I have had exceptional payment history witH capital one and 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 reported in to be removed. 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. XXXX XXXX XXXX XXXX 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! Delete 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