vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
SOFI BANK employees got jealous of me and discriminated against me. The limit to transfer per month is XXXX $ I only transferred XXXX this month of XXXX. When I went to transfer XXXX today they told me I reached my limit and they lied. 

Draft CFPB Complaint About SoFi Transfer Limit Issue Subject : Unexplained Deposit/Transfer Limit Blocking Access to My Funds Complaint : I am submitting a complaint regarding SoFi Banks handling of my account transfers and my access to my own funds. 

On XX/XX/XXXX, I deposited {$1000.00} into my SoFi account ( as shown in my account history ). During the month of XXXX, I transferred a total of {$2000.00} between my linked accounts. On XX/XX/XXXX, I attempted to make an additional transfer of {$1000.00}, but SoFi displayed an error stating : Youve reached this months deposit limit. 

This message appeared even though I had not exceeded any published transfer or deposit limits for my account type. SoFi has not provided : Any documentation showing what my monthly transfer or deposit limits are Any notice that my limits had changed Any explanation for why the transfer was blocked My account history clearly shows sufficient funds were available and that previous transactions were posted without issue. Yet SoFi suddenly prevented me from accessing and transferring my own money.

This interruption directly affected my ability to meet essential expenses. I attempted to resolve the issue directly with SoFi, but I was not given clear information or assistance.

I am requesting that the CFPB : Require SoFi Bank to provide a written explanation of What my monthly deposit/transfer limits are Why the transfer was blocked Whether any hold, freeze, or internal review was applied to my account Require SoFi to restore my access to my funds and allow lawful transfers.

Ensure that SoFi provides proper notice before applying any restrictions to my account. 

I am attaching screenshots showing the transfer denial message and my account activity for reference. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$7500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 filing this CFPB complaint because Experian is reporting accounts and late payments that I believe are inaccurate or unverifiable. I request a full reinvestigation under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ask that Experian verify the accuracy of these items or remove anything that can not be properly validated.

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 2025-11-20 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
LATE PAYMENT DISPUTES ( FCRA 607 ( B ) Accuracy ; 611 Right to Dispute ; 623 ( A ) ( 1 ) ( A ) Duty to Report Accurate Information ) The following accounts are reporting late payments that are inaccurate, unverifiable, or inconsistent with my records. I request full verification, including the exact date each payment was received and posted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If these creditors can not prove the late payment with documented evidence, these remarks must be deleted under FCRA 611 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am submitting this formal complaint with Citi Bank. I purchased a {$2600.00} ticket on XX/XX/year> for a XX/XX/year> flight on XXXX XXXX. I disputed a {$260.00} seat fee, and XXXX issued a refund for that fee. However, they cancelled my entire reservation in error. 

On XX/XX/year>, when I called XXXX to confirm my upcoming travel, I was informed that my reservation had been cancelled. I did not cancel my reservation and had every intention of traveling. XXXX cancelled the entire reservation because of the seat fee dispute. A XXXX representative advised me to request a chargeback with Citi. When I contacted Citi, I was told that a second dispute could not be opened because XXXX allows only one dispute per charge. I explained that the seat fee was minor compared to the full reservation being cancelled and that I am still owed {$2300.00}. 


Please see my attached letter for full details and documentation. Below is a summary : XXXX Reservation Code : XXXX XXXX Ticket No. : # XXXX Total amount charged : {$2600.00} ( paid by Citi credit card ) Partial chargeback received : {$260.00} for seat fees Balance still owed : {$2300.00} plus interest Issue : Entire reservation cancelled in error by XXXX XXXX ; I never traveled First contact with airline after cancelation : XX/XX/year> Current status : Repeated follow-ups with no refund issued Citi Credit card interest rate : 28.99 %, ongoing due to XXXX delay Consumer note : I am a XXXX XXXX and this was intended as a one-time international trip. I do not reside in XXXX XXXX flight path, and a voucher would be of no use to me. 

I respectfully request that the Department investigate this matter and compel Citi to refund the {$2300.00} balance and compensate me for interest accrued as a result of their inaction.

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 2025-11-20 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: GA

Complaint narrative:
I am writing to dispute certain items in my TransUnion credit report that I believe contain inaccuracies or incomplete information. I request that you investigate these items as required under the Fair Credit Reporting Act ( FCRA ) and take appropriate action to correct them. 
Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX XXXX  Account Type : Mortgage Account Status : Open Past Due : {$2100.00} Reason for Dispute : The account is reported as 180 days late, which is beyond the allowable reporting period under the FCRA. I request an investigation and correction of the payment history. 
Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Account Type : Installment Loan Account Status : Open Past Due : {$1300.00} Reason for Dispute : This account shows incorrect past due statuses and payment information. I ask that you review the payment history for accuracy and correct any errors. 
Account XXXX : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Account Type : Installment Status : Closed Balance : {$990.00} Reason for Dispute : I dispute the balance and collection status on this account, as it does not accurately reflect the terms of my agreement. Please conduct a review and correct any inaccuracies. 
Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX Account Type : Collection Account Balance : {$890.00} Status : Collection Reason for Dispute : I dispute the collection status of this account and request an investigation into whether this account was reported accurately under the FCRA guidelines.

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 2025-11-20 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PLAID INC.
State: MS

Complaint narrative:
I have just received 2 text messages from Plaid with a 1 time use code that I didn't request. I don't have a Plaid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am filing this CFPB complaint because Experian is reporting several accounts and inquiries that I believe contain errors or can not be verified. I am requesting a full reinvestigation under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that Experian verify the accuracy of all items listed above or remove anything that can not be fully validated.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am requesting full validation of an alleged account and the original purchase/service agreement from the original creditor. The collector and/or creditor has not provided the documentation required to verify the debt. I am asking for all documentation that establishes the account, including the original agreement, to ensure the debt is accurate and valid. 
I have requested the following documentation, but it has not been provided : The original purchase agreement or service contract Any signed customer agreement associated with the account All itemized billing statements The date the account was opened The date and amount of the last payment A detailed breakdown of how the balance was calculated Proof that the collector ( if applicable ) has the legal right to collect this debt Without this documentation, I can not confirm whether the debt is valid, accurate, or legally enforceable. I am requesting the CFPBs assistance in obtaining the complete records from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: American First Finance, Inc.
State: TX

Complaint narrative:
There was an account opened with American First Finance without my consent. This is fraud, I was informed that some of the information on the account matches my real information. I have not received or ordered anything for merchant at question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I have been receiving numerous calls from Penn Corporation debt collection agency with aggressive language calling for a person who is not me. I have told them I am not the person they are looking for and they refuse to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments on two accounts. Equifax is currently showing several late payments that are entirely false. These payments were made on time, yet the incorrect reporting remains and is negatively affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
I am writing to dispute the following accounts reported on my credit report. I believe these accounts are inaccurately reported and request a full investigation. Below are the details of the accounts in question : XXXX. XXXX XXXX  ( Account Number : XXXX ) Date Opened : XX/XX/year> Amount Reported : {$1100.00}

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 2025-11-20 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:
I am disputing the following items on my Experian credit report. These items are either inaccurate or do not reflect my true credit history. Please investigate and correct the following : CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS 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 2025-11-20 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: NJ

Complaint narrative:
unauthorized inquiries have been made on my account, the TRANS UNION company makes it difficult to remove this information Name Requested On XXXXXXXX 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