vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
I am submitting this complaint because TransUnion continues to report inaccurate and unverifiable information related to my XXXX XXXX Bankruptcy, account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ) and 1681i, TransUnion is required to ensure all reported information is accurate, complete, and properly verified. Reporting incorrect or incomplete bankruptcy information is a violation of federal law, and it has caused me significant financial and personal harm, including loan denials and higher interest rates. 

Details of Inaccuracies : XXXX XXXX  Bankruptcy XXXX The addresses associated with this bankruptcy XXXX XXXX XXXX, XXXX XXXX, MI XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX are inaccurately reported. The reporting includes errors in location and possibly dates, which misrepresent my financial history. These inaccuracies violate 1681e ( b ) and 1681i of the FCRA, which mandate maximum possible accuracy and a reasonable reinvestigation of disputed information. 

Harm Experienced : Loan denials and higher interest rates Stress and emotional distress due to inaccurate reporting Damage to personal and financial reputation Requested Resolution : Conduct a complete reinvestigation of XXXX XXXX  Bankruptcy account XXXX in compliance with 1681e ( b ) and 1681i.

Correct all inaccurate details including addresses, dates, and other inconsistencies. 

Provide me with a corrected credit report and written confirmation of the corrections.

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 2025-08-21 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I contacted the company on many different occasions to possibly find a payment option that allowed me to continue to provide for my children while making payments. After Covid-19, I needed a bilateral XXXX XXXX and that is when my payments got off track. I attempted to contact the current owner of my loan which is AES but, there was never any ability to work with me as the payer. Prior to XXXX my payments were made as scheduled. Was I perfect, no. I am sure there are other times that I have been late or underpaid, etc. The lender was not willing to work with me or assist me in any way. They referred my account to collections for a balance of XXXX unpaid but, every time I contacted them there was no option for flexibility or working with the borrower. My coborrower got XXXX and retired. They began harassing her for payment of the balance due calling multiple times per day and threatening to ruin her credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NC

Complaint narrative:
I have previously disputed Experian and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-21 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. 

Account name XXXXXXXX XXXX Account number XXXX Please remove the account from my report, it is hurting my ability to obtain credit

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 2025-08-21 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. 

Account name XXXXXXXX XXXX Account number XXXX Please remove the account from my report, it is hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that CAPITAL ONE remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Account Number : XXXX XXXXXXXX This account has resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I don't recognize the aforementioned account, collections, or inquiries as reported. 

The aforementioned account, collections, and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. 

All of the aforementioned accounts, collections, and inquiries are the result of identify theft and fraud I have filed FTC Identity Theft Criminal Complaint # XXXX with the US Federal Trade Commission informing them that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a letter in the mail that my account was being closed for " The number of dishonored payments '' Which is a horrendous explanation. Not only am I refinancing my home right now. But I just separated from the military and Synchrony Bank has without notice closed my account.

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 2025-08-21 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: Sunset Management, Inc
State: GA

Complaint narrative:
Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft.

The following information has been fraudulently attributed to me and must be removed without delay : Account Name : SUNSET FIN Account Number : XXXXXXXX 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 2025-08-21 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: FL

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a Regulation E dispute with BMO regarding a hotel charge of over {$500.00} ( XXXX XXXX XXXX XXXXXXXX, booked through XXXX  ). I was verbally told that my claim was denied, but I was never provided with a written denial letter or explanation of the investigation, which is required under Regulation E. 

On XX/XX/2025, I submitted a formal reconsideration request to the official email address provided by BMO ( XXXX ). Since then, I have received no written acknowledgment, no status update, and no resolution timeline. When I contacted a live agent through the BMO app, I was told they did not know when, or if, I would receive a response. 

This lack of communication and failure to provide written results is a violation of Regulation Es requirements for timely investigation and written resolution of disputes. 

I am requesting that BMO : Properly review my reconsideration request for claim XXXX, Provide a written explanation of their findings, and Correct their handling of my dispute in compliance with Regulation E.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I funded my account in time to avoid overdraft fee by walking to the branch and deposit a check in my account They put my check in hold and fined me with 4 different overdraft fee in next 24 hours

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 monetary relief
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
it has come to my attention that my personal information has been exposed in a national data after reviewing my credit report i noticed some accounts I'm not familiar I have asked the CRAs to provide validation of debt however information has not been provided due to my information being exposed I have submitted an FTC report on the information I am not familiar with.

Pease find attached, a copy of my ID, FTC report, and prove that I was exposed in multiple data breaches.

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 2025-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.

Complaint narrative:
I keep getting calls from Credit collection Services. I am also getting messages that I owe a bill from XXXX XXXX but I have spoken to them and they tell me that I do not have any outstanding debt as I have paid all the bills I have received. I am not in the XXXX at the moment and can not find any other way to contact them or solve this problem as I believe there is an error but they also will not tell me by any means by which I can communicate what is going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
Debt is expired, please remove this from my credit report. 
XXXXXXXX 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 2025-08-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have XXXX American express cards that do not expire until XXXX, XXXX, and XX/XX/XXXX respectively. Every one of the cards has a {$0.00} balance because American express said they sent the balance to the XXXX XXXX office. But they won't tell me what state. I have {$3000.00} missing that they won't help me locate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
This complaint is an escalation of CFPB XXXX # XXXX XXXX, due to SoFi Banks failure to address key regulatory questions and unresolved fraud dispute findings. In XX/XX/year>, {$3800.00} was withdrawn from my SoFi checking account via XXXX XXXX transfers after I was manipulated by someone staging false emergencies to extract funds. These were unauthorized electronic fund transfers ( EFTs ) under the definition set forth in 12 CFR 1005.2 ( m ) and protected by Regulation E. SoFi issued provisional credits, then reversed them with no investigation findings, no documentation, and no explanation a clear violation of 12 CFR 1005.11 ( c ) ( d ). When challenged, SoFi deferred to XXXX XXXX terms of service, falsely implying that third-party agreements override federal statute. They do not. I submitted multiple requests for the investigation file and legal rationale. Instead, SoFi sent a generic denial letter nearly a month past the required timeline, in violation of 12 CFR 1005.11 ( c ) ( 2 ). This is not an isolated case. SoFi appears to be systematically sidestepping Regulation E by hiding behind partner platforms like XXXX XXXX, failing to investigate properly, and denying consumers federally mandated protections. I have reported this matter to the OCC under Case XXXX and request immediate CFPB intervention. SoFi Bank, N.A. is operating under a national charter while actively disregarding federal consumer protection laws. This pattern warrants scrutiny, supervision, and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to file a formal complaint regarding accounts reported on my credit file by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a balance of {$740.00}, was opened on XX/XX/XXXX, and is listed as being in collections. XXXX XXXX XXXX XXXX reflects a balance of {$710.00}, was opened on XX/XX/XXXX, and is also listed as being in collections. I disputed the accounts with Equifax, asserting that the information reported is inaccurate, yet it was returned as verified and accurate without proper investigation or evidence of validation. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information. Upon dispute, the data furnisher and the credit bureau are obligated to conduct a reasonable investigation. I believe this did not occur. 
I requested validation of the alleged debt, and no documentation substantiating the accuracy of the reported account has been provided to me. This raises serious concerns of negligent misreporting and failure to properly investigate the disputed item, which can result in damage to my creditworthiness. 
I am requesting the following actions : A full and complete reinvestigation of the account. 
Proof of the original debt, chain of ownership, and validation documentation.

Immediate removal of the account if validation can not be sufficiently provided. 
Investigation into XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX, reporting practices regarding these debts. 

If this issue is not resolved promptly, I will consider pursuing further legal action for damages resulting from willful or negligent noncompliance with the FCRA.

Company response to consumer: Closed with explanation