vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CORELOGIC INC
State: CA

Complaint narrative:
XXXX XXXX and XXXX have all violated my rights as a consumer under FCRA 15 USC 1681c-2. They knowingly reported inaccurate information. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity.

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-03 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: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
Chex Systems have a recent police report on file. The following inquiries viewed by others and me currently listed and showing on my XXXX XXXX XXXXXXXX Report ID : XXXX and XXXX is fraudulent and authorized inquiries : XXXX XXXX XXXX, XX/XX/scrub>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 XXXXXX/XX/year>

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 2025-12-03 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-03 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against cash app due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial hardship and loss and I seek appropriate redress for those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I have been employed full-time in qualifying public service for over XXXX years, and I have consistently met the requirements for PSLF. In order to ensure that all of my qualifying time is credited accurately, I submitted a payment buyback request approximately XXXX  months ago to address XXXX months of missing qualifying payments. These months were not credited due to complications arising from the ongoing litigation surrounding the SAVE repayment plan, which affected my ability to make payments during that period. 

Despite multiple attempts to follow up with my loan servicer, I have not received a buyback agreement or any timeline for resolution. The lack of progress after a full year has created significant hardship, as this delay directly affects my ability to move forward with PSLF forgiveness after more than a decade of qualifying service. 

I was advised by Federal Student Aid Department to switch out from SAVE to a qualifying IBR plan if I wanted to make progress towards PSLF forgiveness as I wait for my buyback offer. Against my better judgment, due to my desperation to be done with my obligation, I applied to switch repayment plans. My application was processed and approved within XXXX weeks, with a new monthly payment that went from about {$600.00} to {$2600.00}, with a XX/XX/year> due date. This payment amount would cause significant hardship for my family and me. This seems cruel and unfair, since I have fulfilled my end of the contract. Federal Student Aid needs to fulfill their part of a legal contract, and provide me the opportunity to buyback the SAVE months at the REPAYE rate before I am due to start making unaffordable payments for an additional 7 months.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In my XX/XX/year> statement from XXXX XXXX ( statement issued on XX/XX/year> ), the Amount Due for XX/XX/year> is listed as {$0.00}. 
This means I did not owe a XXXX payment because the XXXX installment was already paid on XX/XX/year>. 

However, Experian is reporting that my XXXX payment was made on XX/XX/year>, with an Actual Amount Paid of {$1100.00}. 
This is incorrect and does not match the billing statement provided by the furnisher. 
Under the Fair Credit Reporting Act ( FCRA ), Experian must report information with maximum possible accuracy, but the XXXX payment date on my report is inaccurate. 
I am requesting that Experian correct the XX/XX/year> payment date to XX/XX/year>, consistent with my official billing statement. 

I am attaching my XXXX statement as evidence.

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 2025-12-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late accounts : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$340.00} Legal Basis : XXXX. 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
2. 15 U.S.C. 6802 XXXX XXXX ( XXXX ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 
3. 15 U.S.C. 1681a ( i ) ( XXXX ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 
4. 15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In XXXX XXXX Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors 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 2025-12-03 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late accounts : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$340.00} Legal Basis : XXXX. 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
2. 15 U.S.C. 6802 XXXX XXXX ( XXXX ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 
3. 15 U.S.C. 1681a ( i ) ( XXXX ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 
4. 15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In XXXX XXXX Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Delete these hard inquiries : XXXX XXXX and XXXX XXXX XXXX. I am disputing these hard inquiries listed on my credit report because they were reported without my authorization or written permission. I did not give consent for any companies to access my consumer report, and no permissible purpose existed for these inquiries under the Fair Credit Reporting Act. Reporting inquiries without authorization is a violation of federal law and has caused damage to my credit profile. Under 15 U.S.C. 1681b and 15 U.S.C. 1681e ( b ), you are required to ensure that all information reported is accurate, lawful, and supported by a valid purpose. These inquiries are not. I am demanding the immediate deletion of every unauthorized inquiry and a confirmation in writing that my credit report have been updated to reflect this correction.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
Company : SoFi Bank Account : XXXX Transaction : XXXX # XXXX Amount : {$2300.00} Transaction Date : XX/XX/XXXX Dispute Filed : XX/XX/XXXX Statement SoFi has informed me that my dispute does not fall under Regulation E, which is incorrect based on the definition of an error under 12 CFR 1005.11 ( a ).

Regulation E applies to : Unauthorized electronic fund transfers, Transactions processed incorrectly, Transactions where documentation or receipts do not match the actual transaction, And transactions where the consumer requests clarification or proof from the merchant and the merchant can not provide evidence.

My dispute fits this definition because : 1. The transaction was not authorized as charged, 2. XXXX has provided no supporting evidence since XX/XX/XXXX, 3. The bank has not produced proof that the transaction was valid, 4. And the amount and processing of the transaction are in question.

Under Regulation E, when a consumer disputes an electronic transaction and the merchant can not verify the charge, the bank must conduct an investigation, determine whether an error occurred, and follow the required timelines.

SoFi has refused to resolve the dispute or issue a provisional credit despite the investigation remaining open for nearly a month and no merchant evidence provided.

Impact Because SoFi is incorrectly claiming the dispute is not covered instead of following federal investigation procedures, I have experienced : Financial harm from the loss of {$2300.00} Stress and emotional distress Disruption to my household finances Repeated contacts with SoFi without resolution The banks refusal to treat the dispute as a Regulation E matter has left me without protection and without access to my funds.

Requested Action I am requesting : 1. Immediate reconsideration of this dispute under Regulation E guidelines, 2. Reversal or provisional credit of the disputed {$2300.00}, 3. A review of SoFis policy and explanation for why they incorrectly refused to apply Regulation E, 4. Reasonable compensation for hardship caused by the delay, stress, and lack of proper handling, 5. Assurance that SoFi will follow federal timelines and requirements moving forward. 



Supporting Facts I filed the dispute on XX/XX/XXXX The transaction occurred XX/XX/XXXX XXXX has not responded to SoFi since 11/10 SoFi did not issue provisional credit SoFi has provided no evidence supporting their denial The dispute has remained unresolved far beyond a reasonable timeframe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I am submitting a complaint against Equifax, TransUnion, Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, They have not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

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 2025-12-03 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXX Consumer Social Security Number:XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX. These accounts have resulted in several fraudulent hard inquiry and fraudulent appearing on my credit report. I've attached a list of the hard inquiry in question XXXX XXXX XXXX XXXXXX/XX/XXXX as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned inaccurate personal information or hard inquiry as reported. The aforementioned inaccurate personal information and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned ainaccurate personal information, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit inaccurate personal information and hard inquiry are the result of identity theft and fraud.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have called multiple times from the last week of XXXX, starting around XX/XX/XXXX regarding the closed account. The last call was around XX/XX/XXXX regarding the XXXX money locked in the closed account and I was told I would receive the funds on the week of XX/XX/XXXX and XX/XX/XXXX. I have never received said checks and the account remains open. Now I have two months worth of XXXX locked up in an account I can't use and they have been dragging their feet in sending me the funds so the account can be fully closed and I can pay my bills and live.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accurascy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
XXXX is willfully reporting derogatory payment history on a loan that is PAID, CLOSED, and carries a {$0.00} balance. The account was closed on XX/XX/XXXX yet remains coded as 6089 days late, creating ongoing and unlawful credit suppression with no valid risk purpose. 
Case Law : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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