vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
With respect to XXXX XXXX  : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my most recent consumer report, there are some inaccurate, not applicable, fraudulent personal information listed. This serves as a second attempt to have my personal information amended to what is correct and truth standing. 

Please see the Attachments Certified Mail Tracking Numbers Equifax - XXXX TransUnion - XXXX Experian - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
With respect to XXXX XXXX  : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my most recent consumer report, there are some inaccurate, not applicable, fraudulent personal information listed. This serves as a second attempt to have my personal information amended to what is correct and truth standing. 

Please see the Attachments Certified Mail Tracking Numbers Equifax - XXXX TransUnion - XXXX Experian - 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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I received a XXXX XXXX digital cash card and attempted to transfer the funds to my bank. The app requires me to upgrade account for full access, but when I click it, the screen just loads indefinitely and then times outnothing ever happens. The same problem occurs when I try to view my XXXX XXXX XXXX account ; it never finishes loading. 

I contacted XXXX XXXX support, but the phone system asks me to enter the first few digits of my address without clarifying which address it means. I tried the one linked to my SoFi account ( which is partnered with XXXX XXXX ), but it was rejected. 

I used to be able to view my SoFi card detailsincluding full card number, CVV, and expiration dateinside the XXXX XXXX app under XXXX Money by SoFi. After I reported the card as lost or stolen, I can no longer view the new card details in the XXXX app. However, I can already see the last 4 digits of the new card when I add it to XXXX XXXX, which confirms the new card exists and is active. 

XXXX XXXX by SoFi should allow me to view the full details of the new card within the app, just like before, but instead, it keeps telling me I dont have a XXXX XXXX account at alleven though I clearly do. 

I also emailed XXXX support, but the replies come from a no-reply address and no one has followed up. Ive attached screenshots showing the app errors and the issues I described above. 

I believe XXXX and/or SoFi are failing to provide proper access to my account and funds, and Im receiving inaccurate support responses that have left me unable to use my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
company has been sent cease and desist letter as well as called multiple times, company still continues to contact me. Received another letter looking for payment on an account that has been closed for over XXXX  years and are continuing to harrass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-16 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: NJ

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I hope this message finds you well. I am contacting you to dispute a late payment that is incorrectly appearing on my credit report. I have reviewed my records and confirmed that the payment was made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-07-16 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 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: TX

Complaint narrative:
I recently identified a late payment on my credit report that I strongly believe to be inaccurate. I have maintained a reliable payment history, and this negative item appears to be a reporting error.

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 2025-07-16 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: SC

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
I applied to assume an XXXX mortgage currently serviced by LoanDepot. My request was to replace XXXX of the existing borrowers, not to be added as a new co-borrower. 

On XX/XX/year>, I received a formal denial letter stating the application was denied due to " title issues with collateral. '' My XXXX  had been pulled, and the letter included standard adverse action language. 

I followed up to ask what the title issues were and whether I would have a chance to fix them. In a written response on XX/XX/XXXX, LoanDepot told me there were no title issues and that the request was denied due to internal policy. They also said the request was treated as XXXX to add a co-borrower, which is not what I asked for. 

I havent received a clear or consistent explanation of the reason for the denial, and I still dont know whether any actual title issue existed or whether I would have been allowed to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring Oaks LLC is attempting to collect a debt from me without complying with their legal obligation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). They failed to provide me with a written validation notice within XXXX days of their initial communication, advising me of my right to dispute the debt. 

Under 1692g ( a ), a debt collector must send a written notice containing : The amount of the debt ; The name of the creditor ; A statement that unless I dispute the debt within XXXX days it will be assumed valid ; A statement that if I dispute it in writing within XXXX days, they will obtain and mail verification of the debt ; A statement that upon my written request, they will provide the name and address of the original creditor. 

Spring Oaks Collection did not provide any such written notice at all. As a result, I have been denied my rights to dispute or request verification of the alleged debt. Account XXXX : XXXX I did not receive any written notice of my dispute rights within XXXX  days of initial contact. 
I want to ensure my consumer rights under federal law are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and unauthorized items that are currently appearing on my credit report. These include an address that does not belong to me, a late payment on a paid account, a questionable charge-off, and several hard inquiries made without my knowledge or consent. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and they are causing measurable harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in ensuring a full reinvestigation and appropriate resolution of these violations. 
XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Address Law/Issue : Inaccurate reporting of address, violating FCRA 15 U.S. Code 1681e ( b ) Story : I have never used this version of the address, and it appears to be a variation that I do not recognize. This creates redundancy and confusion in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Address Law/Issue : Incorrect address inclusion against FCRA 1681e ( b ) failure to maintain accurate data Story : I have no affiliation with this location. This data likely stems from a system error or incorrect file merge and is hurting my creditworthiness XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries Law/Issue : This inquiry was unauthorized under FCRA 1681b ( c ) and constitutes a violation of permissible purpose Story : I never applied for credit or authorized any inquiry from this institution on this date. This may be an error or unauthorized pull that I dispute entirely XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries Law/Issue : FCRA 1681b mandates that credit inquiries must be authorized, and this was not Story : I did not permit this inquiry. It may have been done without my consent and should be investigated and removed as unauthorized Pursuant to my rights under FCRA 611 ( a ), I am requesting that the credit reporting agencies and data furnishers involved provide documented proof of accuracy, validity, and permissible purpose for each item listed in this complaint. If no such verification is provided within the required timeframe, I am requesting immediate removal of the disputed items from my credit report. These entries are materially inaccurate and are being reported in violation of federal law. I respectfully ask the CFPB to take appropriate action to ensure compliance and accountability, and to help restore the integrity of my consumer credit file. Please confirm receipt of this complaint and provide me with the results of any actions taken.

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 2025-07-16 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: VA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief