vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: LA

Complaint narrative:
On XX/XX/XXXX, I emailed the CEO of XXXX XXXX asking for a removal of a late payment from XX/XX/XXXX. I am trying to qualify for a home loan and this late payment dropped my score XXXX points. I was out of the country sick and had banking issues. A customer service rep called me on a Saturday and was rude and said no cause they have a policy of you can't have late payments in 6 months. I asked for a copy for this policy and she said no. I also informed her, my late payments violate 15 US Code 1666b ( timing of payments ) and FCRA Code 623.

Due to this, I am coming to the CFPB for help to educate XXXX XXXX on the Laws and to help with removing the XX/XX/XXXX late payment on my report. And due to these laws, All of my late payments with XXXX XXXX should be removed ASAP ( XXXX business days )

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I emailed the CEO of XXXX XXXX asking for a removal of a late payment from XX/XX/XXXX. I am trying to qualify for a home loan and this late payment dropped my score XXXX points. I was out of the country sick and had banking issues. A customer service rep called me on a Saturday and was rude and said no cause they have a policy of you can't have late payments in 6 months. I asked for a copy for this policy and she said no. I also informed her, my late payments violate 15 US Code 1666b ( timing of payments ) and FCRA Code 623. 

Due to this, I am coming to the CFPB for help to educate XXXX XXXX on the Laws and to help with removing the XX/XX/XXXX late payment on my report. And due to these laws, All of my late payments with XXXX XXXX should be removed ASAP ( XXXX business days )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: PR

Complaint narrative:
I received a letter in the mail at my home in XXXX XXXX from SoFi inviting me to apply for a personal loan, stating I was pre-qualified for {$65000.00}. 

As I had a monthly income of approximately {$24000.00} and fixed repayments of approximately {$4300.00}, I applied for a loan to pay off my credit card debt. 

SoFi verified my income through my employer and from my XXXX XXXX tax returns. 

My loan was denied, and my credit score was reduced from XXXX as a consequence of the credit pull. 

I found out that the reason for my denial was that SoFi excluded my XXXX XXXX income as they only count income on a XXXX tax return. 

I told them that XXXX XXXX sourced income for XXXX XXXX residents  of XXXX XXXX are not reportable on a XXXX tax return and showed them the IRS website stating this. 

I said it would only show up on a XXXX tax return if I lived outside of XXXX XXXX. They said that did not matter, their policy was not to count income from XXXX XXXX if it does not show up on the XXXX tax return. 

I said this was discrimination as they would count the income from XXXX XXXX only if lived outside of XXXX XXXX. They knew I lived in XXXX XXXX when they invited me to apply for the loan and said I was pre-approved. 

They wasted my time, hurt my credit score and caused my employer to spend time calculating my income for verification purposed for a loan they knew I would not get as I am a resident of XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I was leasing a XXXX  XXXX and the lease end was coming up in XX/XX/year>2025 through Ally. I began lijke 2 months prior shopping around. I went to XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, WI. and became interested in a new XXXX  XXXX. The salesman told me, you can wait a few months, as you will only have one remaining lease payment, and come than we can see where you are at. Two months pass, and I went back to dealership. The salesman and I closed on a deal, and I would pick up the new truck in a week. I put down {$500.00} to hold truck. Note, part of the deal was the lienholder company had a {$3500.00} discount. So a week later ( XX/XX/scrub> 2025 ), I show up to pick up truck and put down another {$4500.00} on purchase. This ALL changed as now the lienholder company that was initially " suggested '' by XXXX XXXX would not agree to terms, so XXXX XXXX " suggested '' they use a different lienholding company, BUT the {$3500.00} discount would not apply, but that I would makeup for it by way of " interest ''. I was not pleased, but went along with agreement. On XX/XX/year>2025, I received in the mail an invoice from Ally in the amount of {$440.00} for deposition fee, excess mileage. I did nothing with this, and on XX/XX/scrub> 2025, I received a second invoice from Ally, with the original invoice amount, plus {$770.00} for last remaining monthy payment from previous lease, so total amount due at {$1000.00}. I took these invoices to XXXX XXXX, where I talked to salesman, and another person, whereby, they stated " they could not do anything, as it lies with Ally ''. I am deeply troubled by how XXXX XXXX has handled this entire sales process, from handling of lienholding company, to not being upfront with the truck I turned in to them. Without knowing, I would expect, they were taking the truck in and selling out right on their lot. I have not reached out to Ally, as I feel XXXX XXXX should have more responsibility to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have an active account with XXXX XXXX ( related to power bill for a previous apartment complex ) that was reported in XXXX. This account has been paid off and Ive been disputing this balance of {$380.00} and it has been reappearing on my credit report. I have requested proof of balance with Bull city financial solutions but they didnt respond or provide this information. Furthermore I want to report this credit collection agency for falsely reporting this on my credit report. I have provided an account history with XXXX XXXX to transUnion so far to correct this however they suggested FTC as a means of finally removing this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Relay Financial (US), Corp.
State: OH

Complaint narrative:
This filing supplements and cross-references my prior CFPB complaint ( Case # [ XXXX ] ). 

Relay Financial has provided contradictory statements regarding my account closure and funds : XXXX. In their official CFPB response on XX/XX/XXXX, XXXX represented that my balance would be returned by mailed check within up to 60 days ( see Exhibit A ). 
XXXX. In a direct email dated XX/XX/XXXX from XXXX, XXXX XXXX XXXXXXXX at Relay, the company claimed that my deposit was returned on XX/XX/XXXX and that no funds remain ( see Exhibit B ). 

Both statements can not be true. This constitutes material misrepresentation in a federal consumer protection proceeding, a violation of 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ( UDAAP ). Penalties under 12 U.S.C. 5565 ( c ) may reach {>= $1,000,000} per violation, per day. 

Additional concerns : Relay/Thread have failed to provide the mandatory return item notice and proof of return ( front/back images, clearing stamp, reason code ) required under Regulation CC, 12 CFR 229.33, 229.38 and UCC 4-214. 
If negative information was furnished to XXXX Warning Services without notice, that would also constitute a violation of the FCRA, 15 U.S.C. 1681m ( a ). 

Requested Bureau Action : 1. Compel Relay/Thread to produce complete return item documentation and audit trail.

2. Investigate whether Relay misrepresented facts to the CFPB and refer the matter to Enforcement for penalties.

3. Require immediate disbursement of funds via ACH/wire transfer or overnight cashiers check, rather than arbitrary 60-day paper check delays.

4. Require Relay/Thread to disclose the specific compliance policy basis used for account closure ( XXXX ). 

This matter is no longer just a customer service dispute but a potential case of false or misleading statements to the Bureau itself, warranting immediate enforcement review. 

Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: SC

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-08-25 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: AZ

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

1681c2 ) that you, the Equifax 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  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-25 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: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-25 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 REQUESTING THAT THESE ACCOUNTS LISTED CLOSED AND PAID CAN YOU REMOVE ANY AND ALL LATE PAYMENTS OR REMOVE THE ACCOUNT / ACCOUNTS : CODE 15 U.S. 1666B / CODE 15 U.S. CODE 1681e- / 15 USC 1681 ( 2 ) ( a ) ( i ) FCRA 605 ( b ) Block FCRA 611 XXXX XXXX XXXX Paid off AUTO Account number : XXXX Date opened : XX/XX/XXXX Status Paid, Closed. 


XXXX XXXX XXXX  Account # : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Account number - XXXX Account type : Unsecured Date opened : XX/XX/XXXXXXXX  Status Paid, Closed. : Status updated XX/XX/XXXXXXXX XXXX XXXX PLEASE REMOVE THIS ACCOUNT ASAP : FCRA 605 ( b ) Block FCRA 611 : XXXX XXXX XXXX XXXX XXXXXXXX Account # : 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 2025-08-25 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: NY

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency. I have identified inaccurate information on my credit report that is negatively affecting my credit standing. Despite my efforts to dispute this information directly with Experian, they have failed to correct the errors.

I have made a good faith effort to resolve this issue directly with Experian, as required by the Fair Credit Reporting Act ( FCRA ), but the inaccurate information remains on my credit report. Experian has either failed to properly investigate my dispute or has refused to remove the incorrect information.

This failure to correct the inaccurate reporting is a violation of the FCRA, and it is causing me financial harm by negatively impacting my credit score.

I request that the FTC investigate this matter and take action to ensure Experian corrects this error and complies with 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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET XXXX. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
As we notified you, if we can not resolve this, we must return your SYNCHRONY BANK account to the current creditor for review to see if it meets their criteria for referral to a law firm in your state. Contact XXXX XXXX, a debt collector, while there is still time to work with us. Followed my a link. Ive gotten this text and many others every few days from them claiming to be this bank that I have never had any accounts with. I dont feel comfortable texting back so Ive just been silencing the texts and report/deleting them but it does not stop them and it has been weeks if not months at this point.

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 2025-08-25 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-08-25 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers  of the dispute outcome. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the dispute account, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: AL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-25 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: Avant Holding Company, Inc.
State: MD

Complaint narrative:
The company doesnt believe I did not open the account

Company response to consumer: Closed with explanation