vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: AZ

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
Signed up for a new checking account promotion with SOFI bank with the following details : Direct deposit a total of {$5000.00} or more in the bonus period ( 25 days from first direct deposit ) and receive a {$300.00} bonus within 14 business days of the end of the bonus period.

First direct deposit from my employer in the amount of {$2500.00} was deposited on XX/XX/year>. 

Second direct deposit from my employer in the amount of ) {$2500.00} was deposited on XX/XX/year>. 

Per Sofis rules, the bonus period ended XX/XX/year> so my deposit bonus should have been awarded within 14 business days ( XX/XX/year> ). 

I reached out to Sofis customer support team and was told their system auto categorized my direct deposits from my employer as regular deposits so they dont count towards the bonus. 

They were direct deposits, through a large payroll company, and have pay stubs to prove it.

I asked the issue to be escalated to a manager and was given the same story. The manager gave me the same story and I argued that their system miscategorizing my deposits is no fault of mine. No help was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing multiple inaccuracies in my Experian credit report, which misrepresent my financial history and violate industry standards under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The report contains erroneous data across several accounts, including a collection account ( XXXX, {$9000.00} owed ), an auto loan ( XXXX XXXX ), and multiple education loans ( DEPTEDXXXX, balances ranging from {$2600.00} to {$15000.00} ). These accounts reflect incorrect payment statuses, past due amounts, and histories ( e.g., 90- and 120-day delinquencies ) that do not align with my records. 

Issues Identified : Inaccurate account details, including balances, payment statuses, and delinquency records, which misrepresent my financial trustworthiness. 



Failure to adhere to Metro 2 reporting standards, undermining the precision and timeliness required by law. 



Lack of verification for disputed entries, potentially warranting their removal from my credit report.

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 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt collectors are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-18 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-18 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: MS

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 Equifax & XXXX credit report on XX/XX/2025 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 ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Since XX/XX/XXXX, NewRez LLC/Shellpoint Mortgage Servicing has wrongfully withheld insurance settlement proceeds for a claim related to hurricane damage to my home. These funds, intended for repairs to NewRez 's collateral, were placed in a monitored escrow account after reaching NewRez 's {$40000.00} threshold, as confirmed by their Loss Draft procedures. 

I complied with all requirements, submitting endorsed settlement checks, contractor invoices, receipts, and inspection reports verifying XXXX  % repair completion ( XX/XX/XXXX ) and XXXX  % completion ( XX/XX/XXXX ). Despite this, NewRez has failed to release any progress draws, impeding my ability to complete repairs and fulfill my mortgage obligation to restore the property. 

Under XXXX Revised Statutes 6:337 ( A ) and ( C ), NewRez is required to hold these proceeds in a segregated, interest-bearing escrow account and credit all interest to me. Per 6:337 ( D ), I am entitled to a full accounting of the account, which I demanded in an email and letter to NewRez 's claim processor, NewRez 's Loss Draft Director and VP of Compliance in XXXX, XXXX on or before XX/XX/XXXX. NewRez has not responded, provided the audit, or released the funds by the XX/XX/XXXX deadline, violating state law. 

XXXX XXXX XXXX, NewRez 's agent, has exacerbated the issue by reassigning my claim to new associates at least XXXX times since XX/XX/XXXX without notice, leading to unresponsiveness and lack of transparency about the escrow account. This pattern of delay and mismanagement mirrors complaints reported to the CFPB and XXXX about XXXX XXXX XXXX handling. 

The withholding of these funds has caused financial strain, delayed repairs amidst post-hurricane challenges ( labor/material shortages, rising costs ), and prevented me from fully restoring my family 's sole residence. NewRez 's actions constitute unfair and deceptive practices, harming me as a consumer. 

What Happened : XX/XX/XXXX : Filed insurance claim for hurricane damage. 

XXXX XXXX : Submitted all required documents ( checks, invoices, receipts ) to NewRez/XXXX XXXX XXXX XXXX with delivery receipts. 

XXXX : Funds moved to escrow after reaching {$40000.00} ; repairs progressed with NewRez 's assurances of progress draws. 

XX/XX/XXXX, and XX/XX/XXXX : NewRez-contracted inspectors verified 65 % and 90 % repair completion. 

XX/XX/XXXX and XX/XX/XXXX : Sent demand letters to NewRez for escrow audit and fund release, per La. XXXX. XXXX XX/XX/XXXX : NewRez failed to respond or comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
I moved to a new house for about 6 months now and I havent been getting my mail. So I didnt know I had to make payments, especially due to the Biden administration putting all the loans on hold. So now I have a delinquency on my account. And they told me they reached out to contact me but the phone number they had on their account was a different number from mine in which have been using for 7 years plus. And I also move to a new house for like 6 months now. Please call me to explain further. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I'm already being charged with an absurd 28.99 % interest rate, but they are charging way more than that. More than 50-60 % sometimes on my payments. For example, My last payment in XX/XX/XXXX was {$550.00} and they charged {$300.00} interest which in more than 50 %. At this rate I'll be paying this till I'm XXXX XXXX XXXX. They do this every payment and charge different amounts based off of nothing. For example in XX/XX/XXXX I paid {$470.00} and they charged {$330.00} in interest. How is this legal? I am attaching screenshots of every payment I have made along with the astronomical interest rates they charge which are NOT 28.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-04-18 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: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-04-18 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: MD

Complaint narrative:
Subject : Dispute of Potentially Negative Item Violation of 15 USC 1681i ( a ) ( 7 ) To Whom It May Concern, I am filing a complaint regarding potentially inaccurate and negative information reported on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ). 

Under this statute, if a consumer disputes the completeness or accuracy of any item in their credit file, the credit reporting agency must conduct a reasonable investigation and provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information. 

I recently disputed the following account ( XXXX ) with the credit reporting agency, but have not received proper documentation or a reasonable investigation in response : Account Name : XXXX XXXX Account Number : XXXX Date of Reported Item : XXXX XXXX Nature of the Dispute : Account does not belong to me, Reported balance is inaccurate, Payment history is incorrect I requested verification and an explanation of the procedures used to verify this information as required under 15 USC 1681i ( a ) ( 7 ), but my request was ignored or inadequately addressed. 

This failure to comply with the FCRA constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit reporting agency provides proper documentation, or deletes the inaccurate information from my credit file. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # A XXXX XXXX Date of Birth : XX/XX/year> Last XXXX of 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 2025-04-18 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Lost credit card at XXXX XXXX. A fraudulent purchase was charged against my account. I called Comenity and reported the lost card and unauthorized charge. I called XXXX store to see if they had my credit card ( they said no ) and how to dispute the charge. They said they did not handle that. Comenity sent a letter stating that they would investigate. Subsequently they sent another letter stating they had concluded their investigation and that I was responsible for the charges. I called the Account Protection Team @ XXXX. Spoke with XXXX # XXXX who contacted the Account Protection Team. She said they have no information since the item was closed. I reminded them that by law they are required to provide the info used to make their decision. She told me to write Comenity Bank, Billing Disputes, XXXX XXXX XXXX XXXX, OH XXXX. [ I have. ] She went on to say I was still responsible for the $ XXXX amount. I pay my credit cards off each month so I don't incur interest fees. ( Probably why my XXXX score hovers in the XXXX 's ). If I don't pay the amount the interest meter will rack up beaucoup bucks. Please intervene.

Company response to consumer: Closed with monetary relief