vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: MA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. The accounts listed below contain inaccuracies and incomplete information, which I request to be corrected or removed. 

Charged Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$62.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX Late Payment : XXXX, XXXXXXXX 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 2025-12-16 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: NV

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are incorrectly attributed to me and should be removed within 15 days per federal law.

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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
The coinbase customer service said they cancelled my annual membership and will refund my membership fee. However they cancelled my membership immediately while did not refund my membership fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am submitting this as a follow-up to my previous CFPB complaint. 

Unauthorized credit card transactions appeared on my Chase account. I did not make, authorize, or benefit from these charges. 

I contacted Chase multiple times through their secure message system and provided the transaction dates, amounts, and merchant names as requested. 

Chase is refusing to continue the fraud investigation unless I contact them by phone. 
I have clearly disclosed in writing that I am currently outside the United States and unable to receive phone calls. 

Despite my repeated written requests, Chase has not provided a written determination and continues to impose a phone-only requirement, preventing resolution of the dispute. 

I am requesting CFPB assistance to require Chase to complete the investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the fraudulent hard inquiry on my credit report from XXXX XXXX made on XX/XX/year>. I did not make or authorize this hard inquiry. Attached is the letter from XXXX XXXX requesting/approving the removal of the unauthorized hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-12-16 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:
These accounts are not my responsibility and must be taken off within 15 days under USC 1681g.

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 2025-12-16 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-12-16 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-12-16 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: GA

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SLM CORPORATION
State: GA

Complaint narrative:
I applied as a cosigner for a Smart Option Student Loan on or about XX/XX/year>. Sallie Mae denied my application citing : No account reported Worst ever delinquent or derogatory status on an account opened in the last 36 months Total number of credit inquiries made in the last 12 months Total number of mortgage-type accounts never delinquent or derogatory While the notice lists these reasons, they are vague, inconsistent, and do not reflect my actual credit profile. My XXXX  credit score is XXXX, and there is no evidence that these factors accurately represent my creditworthiness. 



Regulatory and Legal Bases for Complaint 1. 12CFR360.62 Required Disclosures by Banks Sallie Mae failed to provide specific, accurate, and verifiable reasons for denial as required under 12CFR360.62. The notice did not provide meaningful, objective criteria used in their decision. 

2. 17CFR260.11b1 Prohibition on Material Misrepresentation / Anti-Fraud The notice contains incomplete and misleading information about my creditworthiness and the decision-making process, violating SEC anti-fraud rules prohibiting material misrepresentations in financial communications. 

3. Equal Credit Opportunity Act ( ECOA, 15U.S.C. 1691 ) and Fair Credit Reporting Act ( FCRA, 15U.S.C. 1681m ) The denial lacks specific, factual reasons as required under ECOA and FCRA.

The adverse action notice does not provide adequate access to the credit data used in the decision.

4. Consumer Credit Protection Act ( CCPA ) Sallie Mae failed to comply with the transparency, fair evaluation, and disclosure requirements of the CCPA. 



Harm and Impact Denial of cosigner status limits my ability to support the student loan applicant. 
Misleading or incomplete adverse action reporting may negatively impact my credit history.

Failure to comply with federal regulations undermines my legal rights as a credit applicant.

Requested Resolution 1. Written confirmation that my cosigner ap
plication is retracted and voided, with no adverse reporting to credit bureaus.

2. Full disclosure of all information, reports, and methodologies used in evaluating my application.

3. Written confirmation that Sallie Mae is fully compliant with 12CFR360.62, 17CFR260.11b1, ECOA, FCRA , and CCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I authorized an ACH transfer of {$2000.00} from my SoFi checking account to my XXXX checking account. As of XX/XX/XXXX the money never arrived. I have been in contact with both companies since XXXX regarding this matter, and both of them blame the other company. A SoFi representative provided me with a trace number on XX/XX/XXXX which I tried to provide to XXXX but was met with a representative who stated that since they have no record of it that the trace number would not be helpful. 

Between XXXX and XXXX I have been in contact with multiple different representatives. SoFi representatives give me the trace ID to give to XXXX, XXXX representatives say they can't do anything with it and that it's on SoFi to locate the funds they transferred. 

On XX/XX/XXXX, I went to a XXXX branch to speak with someone in person and she submitted a form to the XXXX department at XXXX including the trace number I was given. She called me back on XX/XX/XXXX and said they searched the transaction history to locate transactions between XX/XX/XXXX and XX/XX/XXXX and they were unable to locate any pending or rejected XXXX credits and to please refer the client to the originator of the XXXX credit to request an investigation with their bank. While I was at the XXXX branch on XX/XX/XXXX I spoke to a SoFi representative who told me I could email them any supporting evidence I may have. I informed him that I already submitted a copy of my XXXX statement showing the funds never arrived in my account. 

I filed a dispute with SoFi and they updated me on XX/XX/XXXX by again providing a trace number and telling me to provide it to XXXX to help locate the transaction and having them reject the funds if needed/wanted. They determined that no error had occurred and no funds would be credited to my account. I was told I could request a copy of the documents they used in determining the final outcome of the investigation which I did. They provided a document on XX/XX/XXXX stating " dispute denied, as per member this transaction is authorized by the member and member stated that the transaction is not reflecting on the merchant end, as per our investigation we have provided the trace ID to the member to help locate this transaction and have them reject the funds if needed/wanted. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Please remove the fraudulent hard inquiry on my credit report from XXXX XXXX made on XX/XX/year>. I did not make or authorize this hard inquiry. Attached is the letter from XXXX XXXX requesting/approving the removal of the unauthorized hard inquiry.

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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, I received a No Caller ID phone call while driving home. The caller impersonated an officer from the XXXX XXXX XXXX XXXX in XXXX, IL, referencing an old address I had not lived at since XX/XX/XXXX. They falsely claimed I had failed to appear for jury duty, that a subpoena and follow-up letter were sent, and that a signed response had been returned. I explained that I no longer lived at that address. They insisted I report to the county jail to verify the signature and claimed an active arrest warrant existed. 

When I questioned the legitimacy of the call, they spoofed the sheriffs office number ( XXXX ) and instructed me to XXXX it. They also sent falsified arrest warrant documentation via text from XXXX, including alleged citations. While I was driving, they instructed me to pull over at the next available exit ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN ) and remain on the call. They provided a false name and badge ( XXXX XXXX XXXX, XXXX # XXXX ) and cited case numbers XXXX and XXXX. 

The caller coerced me to choose between a civil or criminal process, prohibited me from adding my parents to the call, and threatened immediate arrest if I did not comply. Under extreme fear and pressure, I sent {$1500.00} via XXXX XXXX to a person they identified as a XXXX XXXX. I later confirmed with the sheriffs office that the call was a scam. 

I am submitting this complaint to request investigation into law enforcement impersonation, phone number spoofing, coercion, false legal threats, and fraudulent payment demands. The incident caused emotional distress, financial loss, and disrupted my personal safety and travel plans. I am prepared to provide call logs, text messages, payment receipts, and other supporting evidence along with report/case numbers of reports I filed with the FTC, XXXX, XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IN

Complaint narrative:
I disputed inaccurate information on my TransUnion credit report, yet TransUnion continues to report accounts with inconsistent statuses, re-aged delinquency timelines, and balance discrepancies.

Under 15 U.S.C. 1681e ( b ), TransUnion must follow reasonable procedures to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable reinvestigation of disputed information.

TransUnion failed to properly investigate and allowed inaccurate information to remain on my credit report. This failure has caused ongoing harm and violates the Fair Credit Reporting Act.

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 2025-12-16 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: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-16 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: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation