vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I was looking for a high yields savings account when i stumbled across SOFI banking. I did my research and didnt really see any negative reviews on it. Online it states if you open a savings account they give you a free checking account with it. I followed the steps and I started off by putting {$500.00} into the account and then transferring over {$300.00} into the savings leaving me with {$200.00} in my checking. I then got paid the next day and since my XXXX  is currently XXXX  XXXX I got a XXXX  bonus and decided to put that towards my savings. A day or two goes by, I needed to renew my insurance but instead I chose to go with a different insurance company and didnt want my XXXX XXXX account to go negative from me paying rent, and this new insurance bill. I transferred the {$200.00} that was in my savings account and I then get a notification that my account has been restricted. I call them immediately trying to resolve this issue and they question me about where Im getting my money from but SOFI lets you link all of your banking information so they can see where funds are coming from. I explain to the lady where it was coming from and why i put money back into my account. She makes me verify myself by taking a picture of my ID and doing a face scan. She then proceeds to say that my response has been recorded and submitted and my account would be lifted within XXXX business day. I gave it 4 days and it still says restricted. I call back 5 days later and ask for an update, hoping I just need to give them extra information or that itll be lifted shortly. I end up getting the same lady as last time and she said that she put in a new request for my account to be investigated and that I will get updates on my account. Its been a week and I still cant access my account and no one provides information on how long this takes. I honestly just want my account to be unrestricted so I can take my money out of it and close that account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 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:
My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccuracies remained. Given this issue, I request a thorough review of the documents Ive provided so I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I purchased solar panels in XXXX and had them financed through loan service called Mosaic. The interest is low and terms are favorable but when I make a payment there's always a small late fee of about {$3.00} attached since XX/XX/XXXX. I have contacted customer service and they assured me that it would be resolved but they never called back and the fee persists. The payments are automatically drafted from my bank account and I have been told that the payments are not late but there is a glitch in the system. I again tried to resolve the issue in XX/XX/XXXX with the same results. I increased my payment from the minimum payment and now they raised the fee to {$10.00}. Customer service hasn't reimbursed me and I am now stuck in a never ending late fee stiff arm robbery scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
My account was put into restriction, not sure why. I needed to submit documents to unrestrict it. I submitted docs but they still havent unrestricted it. I can not get ahold of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I recently disputed an account on my credit report because I believe it is inaccurate and incomplete. Unfortunately, its clear that a proper investigation wasnt conducted, and the incorrect information is still being reported. This has caused me a great deal of stress, and Im feeling overwhelmed and frustrated.

Please, I truly need your helpI dont know what else to do, and this situation is having a serious impact on my life. Also, I want to make it absolutely clear that I am personally submitting this dispute, not a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Patenaude & Felix A Professional Corporation
State: OH

Complaint narrative:
I called Patenaude and Felix about my XXXX XXXX XXXX  debt that had been given to them.I asked about arranging a payment plan as soon as I got back on my feet-this was on XX/XX/14 ( as I had just gotten back to work ) .I was told I could call back and setup a plan when I was ready.When I called initially ( on XX/XX/XXXX ) I left a voicemail.I then called again and left another voicemail-I believe this was on XXXXNo one has gotten back to me on the matter.I have also tried emailing with no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-04 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:
Earlier today, I noticed incorrect accounts appearing on my credit report, and I have no clue how they got there. I check my report frequently, but this time, there were discrepancies that hadnt been there before. I even attempted to refresh the browser, thinking it might be a temporary issue, but the errors persisted. Because of this, I am requesting a detailed review of the documents Ive sent so that I no longer have to worry about this problem.

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 2025-04-04 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$5100.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$320.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1800.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: IL

Complaint narrative:
NOTHING HAPOPENED TOTALLY IGNORED AND STILL SHOWS ON MY CREDIT REPORT MAKING MY CREDIT GO BAD AND DOWN TO LOWEST POINTS I AM CURRENTLY HOME ; LESS, SOMONE STOLE MY IDENTITY AND BEEN DOING IT FOR A WHILE .. BEEN ASKING FOR EVEN PUT A FREEZE ON CREDIT BUG ALL THREE BUREAUS KEEP REPORTING THIS FRAUDELNT GRANT THAT I HAVE NO KNOWLEDGE OF.. PLEASE HELP ME PLEASE .. MY ID, PURSE, WALLET CREDFIT CARDS, CAR AND CAR KEYS

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 2025-04-04 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: IL

Complaint narrative:
NOTHING HAPOPENED TOTALLY IGNORED AND STILL SHOWS ON MY CREDIT REPORT MAKING MY CREDIT GO BAD AND DOWN TO LOWEST POINTS I AM CURRENTLY HOME ; LESS, SOMONE STOLE MY IDENTITY AND BEEN DOING IT FOR A WHILE .. BEEN ASKING FOR EVEN PUT A FREEZE ON CREDIT BUG ALL THREE BUREAUS KEEP REPORTING THIS FRAUDELNT GRANT THAT I HAVE NO KNOWLEDGE OF.. PLEASE HELP ME PLEASE .. MY ID, PURSE, WALLET CREDFIT CARDS, CAR AND CAR KEYS

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
I have no possible source of debt that could be sent to a collection agency. They are likely a scam. Here is the text they send : Take control of your XXXX XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account. XXXX XXXX XXXX XXXX  or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out I do not know any of these companies, and responding will just let the roaches know I'm real.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: CA

Complaint narrative:
I received a derogatory mark on my credit for a medical bill. My identity was stolen and I have insurance and live in XXXX XXXX. There is no way I have this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NC

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 2025-04-04 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: PA

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 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reporting to formally dispute the accounts that appear on my credit report. I did not authorize or open these accounts, and they are the result of identity theft. I request their immediate removal from my credit file.

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 2025-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
I usually get an advance from my bank every payday the amount I can receive has gone up up a few times over the last year but it has never been reduced until recently.when my regular paychecks come in the bank automatically takes whats owed out of my pay that comes in on direct deposit my advance is up to {$750.00} each payday and I have always paid back on time no issues but this payday XXXX XXXX my check came I. Which was {$880.00} current took the whole {$750.00} and fees which left me with a few dollars so of course I needed to take the {$750.00} back out again because I had to pay rent and they took my whole check but when I went to take out the advance again right after they took my whole check it was reduced from {$750.00} to {$300.00} with no notification or email or nothing updating me in the app stating that my advance limit is going to be reduced I have contacted them multiple times and they say they can't reverse the advance limit I've requested to speak to supervisor and have not yet heard back I will keep trying to resolve this as I have no rent money which now i will also incur late fees and embarrassment this has put me in a huge bind I reviewed the banks terms and they are supposed to notify me when the limits change and they failed to do that and caused a huge issue for my family so they took over half of my paycheck and gave me less its very upsetting and I'm hoping I can get my money I need for my rent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no idea how or why. I regularly check my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Given this issue, I request a thorough review of the documents Ive provided to ensure that I wont have to deal with this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief