vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: OH

Complaint narrative:
I came home from XXXX  and tried to open a Cash App account. It would not allow me to do so. I've never opened one before due to being XXXX  for XXXX. I came home XX/XX/year>. Why cant I open an account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
A company reported a delinquent debt on my XXXX XXXX that dropped my score by over XXXX points. I was never contacted or made aware of this debt beforehand. They had the wrong mailing address and never attempted to notify me before reporting it. I only found out after seeing the hit to my XXXX XXXX. 

I contacted the company, and they acknowledged the incorrect address but said they dont do good faith credit adjustments. I tried to dispute it through XXXX, but I have received no response or resolution. 

I believe this may be a violation of the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ), since I was never given a fair chance to resolve the debt before it was reported, and no proper notice was sent to me. XXXX seeking help in getting this resolved and having the negative mark removed from my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have always made advance payments on my Wells Fargo credit card. I use online app to make payments. When making advance payments, the app show {$0.00} minimum balance due. Therefore i then make a full statement balance. They had charged me {$68.00} interest fees. I called wells fargo on XX/XX/XXXX but the rep said i need to call back after few days for my full account transfer ( since my card was lost ). I had called back on XX/XX/XXXX and spoke to level XXXX support lady. she agreed and acknowlege why i was charged the fees. She didn't seem to show any empathy, and simply just replied with " yes thats true '' when i asked told her " i dont need to make any advance payments. '' She promised me a {$50.00} credit but not full. I do think this is a way for them to make money from customers. They need to find ways to calculate exatly what customers owe to avoid paying interest fees if they pay in advance. 

Additionaly, i informed them i would file a complaint. I did hear a second per say " go ahead '' and after she said bye " i did hear second person laugh to this. I want a senior lever person to hear this call

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Upstart Holdings, Inc.
State: SC

Complaint narrative:
I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XX/XX/year> this account was closed, Im requesting it be removed from my credit report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
Date : XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting XXXX XXXX XXXX Dear, I am writing to formally dispute inaccurate information on my credit report ( Report Date : XX/XX/XXXX ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate and remove the incorrect late payment reporting. 

Specifically, the XXXX XXXX XXXX account ( Account Number ending in XXXX ) is inaccurately reported as XXXX  days late for XX/XX/XXXX. I have no record of being late on this account in that month. Please verify this information with the data furnisher and provide me with the results of your investigation. 

If the data can not be verified as accurate, please delete or correct the information as required by law and provide me with an updated copy of my credit report. 

Please confirm receipt of this dispute and let me know once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
I am extremely disappointed in SoFis handling of a serious issue involving unauthorized activity on my account. I noticed a charge that I did not authorize and immediately contacted SoFi for help. I spoke with four separate agents, sent a follow-up email, and repeatedly asked for a full explanation of how the charge was processed without any of my details being used or shown. Despite all of this, SoFi never once reached out to me directly with an update or resolution. The only time I received any acknowledgment of the issue was after I filed a formal complaint with the CFPB. Even then, their response was vague and did not address my concerns. At no point did SoFi explain what happened, what actions they took to investigate, or how they plan to prevent this from happening again. Their customer service has been consistently evasive, unhelpful, and dismissive. Its unacceptable for a financial institution to treat its customers this way especially when unauthorized access to personal accounts is involved. Based on this experience, I would strongly caution others against banking with SoFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies
State: FL

Complaint narrative:
I am reporting several unlawful and deceptive practices by XXXX XXXX ( dealer ) and XXXX XXXX XXXX ( lender ) in relation to a vehicle purchase on XX/XX/year>. The following issues occurred : 1. Failure to Apply Down Payment : I provided a down payment at the time of purchase, but it was never applied to the loan balance.

2. No Loan Documents Provided : I was not given any financing paperwork or Truth in Lending disclosures, which is required by law.

3. Undisclosed Add-Ons : Add-on products ( such as GAP insurance, service contracts, etc. ) were included in the loan without my consent and without informing me that they would increase the loan amount and interest.

4. Coercion into New Loan Terms : After leaving the dealership, I was forced to sign a second loan with higher interest rates and additional cash payments under duress.

5. Harassment and Third-Party Contact : I received harassing text messages and third-party contact to family members and employers, which is a violation of debt collection regulations.

6. Unlawful Repossession : The vehicle was repossessed without notice or legal justification, violating my rights under state laws.

These actions are in violation of the Truth in Lending Act ( TILA ), Equal Credit Opportunity Act ( ECOA ), Fair Debt Collection Practices Act ( FDCPA ), and FTC regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed for bankruptcy in XXXX of XXXX, and it was discharged XXXX of XXXX. Most of the account have been removed for my report or just show " Included in Bankruptcy ''. XXXX, XXXX XXXX, and XXXX are reporting the " Date of Major Delinquency '' in XXXXWhen reported that way, it shows as recent delinquencies and had caused me to get denied when I apply for new credit. I have tried several times to correct this with no success. I now am requesting that these account just be completed removed. The date of major delinquency was XXXX and not XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 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: SLM CORPORATION
State: TX

Complaint narrative:
I am a borrower with Sallie Mae and have a current loan balance of approximately {$10000.00}. My required monthly payment is {$180.00}, which I can not afford on my current $ XXXX salary due to high living expenses including rent and essential bills like utilities, phone, and groceries. 

I contacted Sallie Mae on XX/XX/year> to request assistance or hardship options, but I was told that forbearance was not available. The only option offered was the Graduated Repayment Plan, which reduced my monthly payment by only about {$40.00} not enough to make the payment manageable. I never graduated from the program that this loan funded, and I am struggling financially. 

I explained my situation and asked for any income-based or hardship plans, but was repeatedly told that there were no other options. I do not have a cosigner and I am trying to avoid delinquency or default. 

I am asking for Sallie Mae to provide access to a truly affordable repayment option or temporary relief such as a hardship-based plan, lower payments, or interest-only payments while I work toward financial stability. I want to repay my loan, but I need realistic terms that match my current income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I disputed inaccurate and erroneous accounts and derogatory accounts on my report and they all came back as verified

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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against TSI regarding an account I have with them XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$550.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with TSI buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am faced with discrimination from TransUnion and Experian. 

They are actively attempting to tarnish my credit history and ability to avail financial services at fair market rates. 

They are refusing to correct their records and failing to provide evidence of the investigation report that denies me the correction. On the contrary, they are also not accepting the evidence I have in my possession, which is evidence from the same creditors ( XXXX XXXX and XXXX ). 

There appears to be collusion between creditors and credit rating agencies to destroy my credit history. I have suffered financially from XXXX XXXX at abusive rates from XXXX and XXXX due to this collusion

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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