vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Request for Investigation Unlawful Credit Report Entries in Violation of 15 U.S. Code 1681 and 15 U.S. Code 1692g Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate and unauthorized entries on my credit report, specifically hard inquiries and collection accounts that violate provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Upon reviewing my credit file, I found multiple hard inquiries that were not authorized by me. Under 15 U.S. Code 1681b ( c ), any party accessing my credit report for a hard inquiry must have a permissible purpose and my explicit consent, which I never gave.

In addition, my report shows one or more collection accounts that have not been validated in compliance with 15 U.S. Code 1692g ( a ). I have not received the required written notice of the debt, and the alleged debts have not been verified with sufficient documentation.

I have already contacted the credit reporting agency ( CFNB ) and formally disputed these entries, but they have either failed to properly respond or failed to remove the items in question. I am now asking the CFPB to step in and assist in resolving this matter.

My Requests : 1. I respectfully request that all unauthorized hard inquiries be investigated and removed from my credit report unless the party can provide signed proof of my authorization.

2. I request that all collection accounts lacking full and proper validation under 15 U.S. Code 1692g be removed from my credit report immediately.

The continued reporting of these items is unjust and harmful, and I believe they represent a violation of federal law. I am attaching a copy of my ID and supporting documentation for your review.

Thank you for your assistance in enforcing the protections guaranteed to me under federal law. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN 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 2025-06-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Request for Investigation Unlawful Credit Report Entries in Violation of 15 U.S. Code 1681 and 15 U.S. Code 1692g Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate and unauthorized entries on my credit report, specifically hard inquiries and collection accounts that violate provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Upon reviewing my credit file, I found multiple hard inquiries that were not authorized by me. Under 15 U.S. Code 1681b ( c ), any party accessing my credit report for a hard inquiry must have a permissible purpose and my explicit consent, which I never gave.

In addition, my report shows one or more collection accounts that have not been validated in compliance with 15 U.S. Code 1692g ( a ). I have not received the required written notice of the debt, and the alleged debts have not been verified with sufficient documentation.

I have already contacted the credit reporting agency ( CFNB ) and formally disputed these entries, but they have either failed to properly respond or failed to remove the items in question. I am now asking the CFPB to step in and assist in resolving this matter.

My Requests : 1. I respectfully request that all unauthorized hard inquiries be investigated and removed from my credit report unless the party can provide signed proof of my authorization.

2. I request that all collection accounts lacking full and proper validation under 15 U.S. Code 1692g be removed from my credit report immediately.

The continued reporting of these items is unjust and harmful, and I believe they represent a violation of federal law. I am attaching a copy of my ID and supporting documentation for your review.

Thank you for your assistance in enforcing the protections guaranteed to me under federal law. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Dealership led me to believe that i would receive XXXX percent interest rate and switched rates in the finance office

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I went to sleep with XXXX XXXX in my account I woke up and was XXXX. I had 3 pending charges that were all taken out my account which left my with XXXX XXXX I woke up and was negative. Same charges still pending. No new charges. My accounts does not have overdraft protection and I make sure all money transferred. From. My savings accounts is enough to cover the exact payment I am making with my checking account. There are no new charges. I called capital one and they can not give me a legitimate reason on my why account is negative even though the money was taken out. The charges are still pending but the money was taken out already and I have no new charges. 
I also do not have overdraft protection and my account is set to decline all transactions if there isnt money to pay for it. So there is no way my checking account should be negative. There were no ach payments or preauthorized transactions Capital one sent his email a few days ago and its still happening Valued customer, Starting on XX/XX/year>, some customers experienced an error that resulted in duplicate temporary holds on their debit card transactions. This did not result in duplicate charges, and the error has been resolved. We apologize for any inconvenience this may have caused.

If you experienced a declined transaction due to this error and were charged any late fees or other fees as a direct result, please reach out to us at XXXX from XXXX XXXX XXXX XXXX, 7 days a week. 

As always, Capital One will never call, text, or email you to request your account number, password or PIN, or ask for this information on social media. We encourage you to regularly review your account activity and statements online. 

Thank you for being a valued Capital One customer. 

I just want my money back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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 filing this complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2 ( Section 605B ). I submitted a valid FTC Identity Theft Report to Experian identifying fraudulent accounts that do not belong to me and requested that they be blocked from my credit report.

Despite this, Experian failed to block the accounts within the four-day period required by law and instead responded with a claim that the accounts were previously verified. This action is unlawful. Under FCRA 605B, prior verification is irrelevant once a valid identity theft report is submitted. Experian is legally required to block such accounts upon receipt of the report, proof of identity, and identification of the disputed items.

The following documents were provided to Experian : - FTC Identity Theft Report - Government-issued ID - Proof of address - List of accounts identified as fraudulent Experians failure to block and remove these items within the required timeframe constitutes a violation of : - FCRA 605B ( a ) failure to block reported identity theft items - FCRA 605B ( c ) failure to notify and improperly re-report blocked data - FCRA 605B ( e ) failure to notify the consumer of their actions I request that the Consumer Financial Protection Bureau take the following actions : 1. Investigate Experians handling of identity theft disputes and verify their compliance with 605B.

2. Compel Experian to delete the identified accounts immediately.

3. Penalize Experian if found in violation of federal law.

4. Require Experian to provide me written documentation of all actions taken on my dispute and supporting verification documentation.

Attached are copies of my FTC Identity Theft Report, proof of identity, and communications with Experian.

Thank you for your prompt attention to 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 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX ALL reporting debt that was not taken out by me and is not mine. I have been breached more than three times of my personal information. According to Fcra 605b-1681c-2 and 15USC1681 C-2 this information has to be removed from my credit reports. 
Jefferson Capital {$950.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX XXXXXXXX {$2600.00} XXXXXXXX XXXX XXXX XXXX  {$580.00} XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX  XXXX {$480.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint regarding fraudulent activity on my SoFi account totaling {$690.00}. On XX/XX/scrub>XXXX XXXX someone used my stolen debit card to make unauthorized purchases at a shoe store, XXXX, and also withdrew funds from an ATM. I reported this fraud to SoFi immediately, but despite multiple follow-up calls, I have received no resolution or communication from the bank. 

Because of these unapproved transactions, my account was driven into a negative balance, creating a financial strain and disrupting my ability to manage necessary expenses. SoFis lack of action and failure to address this matter in a timely fashion has caused significant stress and hardship.

I believe SoFi has neglected its duty under the Electronic Fund Transfer Act ( EFTA ) to promptly investigate and resolve unauthorized transactions. I am requesting that the Consumer Financial Protection Bureau assist in holding SoFi accountable and ensure that the fraudulent charges are corrected and my account is restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I noticed that I could not make extra payment to my principal or escrow anymore within the last year. I have not been late ever on my mortgage and they have held the note for many years. In the past if I had a grace period late I could apply additional funds to reduce or remove that amount. Now they state that I have at minimum a {$160.00} late fee for home inspections as they must have an inspector come to the home to make sure it is not vacant. I was told this by a client rep. I believe XXXX or XXXX circa the week of XX/XX/XXXX. When asked if this was because I made some payments past my legal 15 day grace period the client rep had no answer. I asked if they could show me amended documents to show where this is legal as there was a change then to the contractual note. I know that this is a made up charge that they are doing to everyone know and I want all fees stricken from my record. I can only make escrow payment or additional principal by phone according to the agent because they have decided to charge me these fees.Why would they have to prove my house isnt vacant when there are no 30 days late payments and a 15 day grace period late it acceptable. if they are doing this to me then they are doing it everyone.

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 2025-06-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Under FCRA- Inaccurate Repetitive Reporting of Charged-Off Account Dear XXXX, This letter serves as a formal dispute under the fair credit reporting act ( FCRA ) regarding the repetitive and inaccurate reporting of a charged-off account by XXXX XXXX XXXX, which is currently appearing on my credit report. 

The XXXX XXXX XXXX account in question XXXX is being reported as charged-off repeatedly each month, which is both factually incorrect and in violation of FCRA. 

According to the FCRA, information reported to consumer reporting agencies must be accurate, complete, and not misleading [ 15 U.S. Code 1681 ]. Re-reporting a charge-off monthly is not only inaccurate, it creates the false appearance of a recurring derogatory event, which artificially and unfairly suppresses my credit score month after month.

Let me be clear : A charge-off is a one-time event that should reflect the original date of occurrence only. Continuing to update the status monthly as if the charge off is renewed is deceptive and noncompliance with the FCRA. 

Action Demanded : Immediately investigate this account with XXXX XXXX. 

Correct or delete the inaccurate monthly charge-off updates. 

Provide a written response within 30 days as requested as required under federal law. 
Failure to correct this error may result in further action including a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for willful noncompliance with the FCRA. 

I have enclosed a copy of my ID, proof of address, and a copy of the relevant credit report with the inaccurate information highlighted. 

I expect your prompt attention to this matter. please confirm in writing that this dispute has been investigated and resolved. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Under FCRA- Inaccurate XXXX Reporting of Charged-Off Account Dear XXXX, This letter serves as a formal dispute under the fair credit reporting act ( FCRA ) regarding the repetitive and inaccurate reporting of a charged-off account by XXXX XXXX XXXX, which is currently appearing on my credit report. 

The XXXX XXXX XXXX account in question XXXX is being reported as charged-off repeatedly each month, which is both factually incorrect and in violation of FCRA. 

According to the FCRA, information reported to consumer reporting agencies must be accurate, complete, and not misleading [ 15 U.S. Code 1681 ]. Re-reporting a charge-off monthly is not only inaccurate, it creates the false appearance of a recurring derogatory event, which artificially and unfairly suppresses my credit score month after month.

Let me be clear : A charge-off is a one-time event that should reflect the original date of occurrence only. Continuing to update the status monthly as if the charge off is renewed is deceptive and noncompliance with the FCRA. 

Action Demanded : Immediately investigate this account with XXXX XXXX. 

Correct or delete the inaccurate monthly charge-off updates. 

Provide a written response within 30 days as requested as required under federal law. 

Failure to correct this error may result in further action including a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for willful noncompliance with the FCRA. 

I have enclosed a copy of my ID, proof of address, and a copy of the relevant credit report with the inaccurate information highlighted. 

I expect your prompt attention to this matter. please confirm in writing that this dispute has been investigated and resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
I HAVE NO KNOWLEDGE OF THESE ACCOUNTS, PLEASE REMOVE OR DELETE FROM MY ACCOUNTS - COLLECTION DISPUTE - XXXX XXXX XXXX XXXX {$890.00},XX/XX/XXXXXXXX {$110.00}, - CREDIT DISPUTES -XX/XX/XXXXXXXX {$780.00}, XXXX XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XX/XX/year> {$80.00}

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 2025-06-01 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: MI

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize.

I am writing to dispute the following inquiry and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX  DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CO

Complaint narrative:
I am writing to formally lodge a complaint against MOHELA regarding the improper accrual of interest on my federal student loans while they were placed in administrative forbearance due to the legal blocking of the SAVE Plan.

When I consolidated my federal student loans to enter the SAVE Plan, my balance was approximately {$93000.00}. Since then, my account has been placed in administrative forbearance. Despite this, interest continued to accrue, and my balance has now increased to $ XXXXan increase of over {$5700.00} during a period when no interest should have been accruing. 

When I contacted MOHELA to request a detailed breakdown of how this interest was calculated and added to my principal, they were unable to provide any accurate account balance statements showing when or how the interest was applied. Instead, they acknowledged that many borrowers ' accounts have been accruing interest in error but stated they would only remove the interest after the loan exits forbearance. 

I am very concerned about the lack of transparency and accountability in this process. If MOHELA does not have accurate records showing the incorrect interest accrual, I have no confidence that they will be able to remove the correct amount of interest once my loan leaves forbearance. 

I believe MOHELAs response to my request has been insufficient. I am seeking the CFPBs assistance in : Ensuring that MOHELA provides a detailed and accurate account statement showing how and when interest was applied. 
Requiring MOHELA to immediately remove any interest that was improperly accrued during the administrative forbearance period.

Holding MOHELA accountable for transparent and accurate loan servicing practices. 
I appreciate the CFPBs assistance in resolving this matter. 

XXXX XXXX XXXX DOB : XX/XX/year> MOHELA account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: GA

Complaint narrative:
XX/XX/year> {$220.00} TRIED CONTACTING CONSUMER TO DISPUTE THE ACCOUNT

Company response to consumer: Closed with explanation