vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I am filing this complaint because SoFi Bank has frozen my account and is withholding my funds. The dispute associated with my account was already found in my favor, yet I still have not received access to my money. 

This situation is causing severe financial hardship. I am facing eviction, and my car has already been repossessed. I urgently need SoFi to release or expedite the funds owed to me so I can meet basic living needs and avoid becoming homeless.

I have made multiple attempts to resolve this directly with SoFi, but have not received a timely or adequate response. I am requesting that the CFPB intervene to ensure SoFi immediately releases my funds and provides a full explanation for the delay. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I made my payments through XXXX as always. Then I received my statement XX/XX/XXXX no payment due till XX/XX/XXXX. So I send the overpayment of XXXX as always they send email payment delinquent so I call. They said taxes and insurance went up so my payment is now XXXX per month so I was short for XXXX and XXXX because I only paid XXXX. That means I owe XXXX. So I sent them XXXX through XXXX bill pay on XX/XX/XXXX. This means I paid some more principle. Then my XXXX payment I changed to XXXX. So I over pay and it goes to principle. Now they tell me I am past due for XXXX and I owe them another XXXX and I now have late payment on my credit report. They are trying to steal my house and I over pay every month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am submitting this complaint to formally dispute a debt that has been reported to the credit bureaus under the name JEFFCAPSYS, referencing account number XXXX XXXX XXXX XXXX XXXX, allegedly originating from XXXX XXXX. 
XXXX has been removed from my credit file over 3 years ago or better. 

This account is being reported as derogatory, with a balance of {$4800.00}, and is negatively impacting my credit score. I have no record or recollection of entering into any agreement or contract with this company, and I have not received any validation of the debt despite its continued reporting. 

In accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am requesting that the CFPB review and compel the company to : 1. Provide proper validation of this alleged debt, including an original signed contract or agreement ; 2. Prove that JEFFCAPSYS has legal ownership or assignment rights to collect this debt from me ; 3. Provide an accurate breakdown of how the {$4800.00} balance was calculated ; 4. Show the complete chain of assignment from the original creditor ( XXXX XXXX ) to JEFFCAPSYS ; 5. Cease all negative reporting until verification is properly provided. 
6. How old is this debt and where it originated from. 

If JEFFCAPSYS can not produce legitimate documentation verifying this debt within the legal timeframe, I am requesting that the CFPB require the removal of this derogatory account from all credit reporting agencies ( Equifax, Experian, and TransUnion ). 

This continued reporting without validation violates both federal and consumer protection laws. It has caused harm to my creditworthiness and financial standing as a professional educator and principal in my community.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Please provide confirmation in writing after the dispute is resolved and the status has been corrected.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please provide confirmation in writing after the dispute is resolved and the status has been corrected.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: IL

Complaint narrative:
WESTLAKE FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKE FIN is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good afternoon, This will be my 2nd time to ask for my annual report and can ' r received it or speak with an agent due my report has disappeared from my SSN.

I'm asking you to resolve this for me and get me my report I will also file an complaint with the Attorney General office due to no help from Equifax and possible file an Lawsuit against Equifax all documents are here as well of sending them priority mail.com Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
CFPB Complaint Text Freedom Mortgage What happened : I am a XXXX percent XXXX veteran with a VA-guaranteed home loan serviced by Freedom Mortgage . I recently contacted their customer-service department to request assistance regarding the reporting of late payments that occurred during a documented period of XXXX hardship. The representative was dismissive, refused to consider my circumstances, and told me that the company does not make any goodwill or hardship corrections unless they are inaccurate. 

This attitude contradicts federal policy and Freedom Mortgages public claims of being a veteran-friendly company. I believe they have granted hardship or goodwill adjustments to other borrowers, including veterans, while denying me the same consideration. If true, this would constitute inconsistent and discriminatory treatment under the Rehabilitation Act ( Section 504 ), the Equal Credit Opportunity Act, and 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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Resurgent and Halstead and XXXX. Repeatedly all text, email and robocall me regarding XXXX XXXX credit card debt from approximately 2-3 years ago. They send emails throughout day. Early morning hrs and evening. They also send robocall after each email or text sent. Sometimes these robocall are literally back to back.. I have communicated with them previously that I am on social security benefits because of XXXX. That I am under financial hardship and unable to make payments. I have currently made arrangements to pay 1 of the 2 credit one card debts. At {$43.00} per month for 12 months. This is through Halstead. Which is under parent llc .. these companies are still constantly harassing me with a barrage of emails, texts and robocall all day and night. It's affecting my health at this point from stress. This last 2 years my health has taken a very significant turn. I've been in and out of hospital due to my health issues. These companies and their tactics are just making it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/year>. I secured a money order for the amount of {$260.00} from the United States Postal Service since I had excess cash that I wanted to deposit to my checking account, but I had recently moved and there were no PNC bank branches nearby in which I could deposit cash. I was under the impression that I could use the mobile deposit feature on the PNC app as with a regular check but this didn't work, I didn't realize it was not viable for money orders. Since this was the case, I mailed it to the following PNC address : PNC Bank XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. Enclosed was the endorsed money order with my account number, and name explaining that I wanted it deposited to my personal checking account with my account number, routing number, full name, address, and contact information. A month and a half after it was confirmed delivered by USPS, I called PNC support since it hadn't yet been cashed or deposited and was informed that I used the wrong P.O. Box as an address for mailing but that if I included my account number it should get deposited with time. XXXX, a few weeks after that call, I once again called to check on the status for them to only say that they lost it and there was nothing they could do. Needless to say, I am frustrated and upset at PNC 's lack of care and action on my behalf ensuring that this money makes its way to my account. If I knew how poorly this would be handled, I would've rather just kept it as cash. Attached is the money order before I mailed it to PNC as well as the USPS tracking receipt of the letter which had my money order and note enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the XXXX XXXX XXXX used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-10-15 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: MO

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND XXXX  CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
An unauthorized account reported by XXXX XXXX XXXX, XXXX appears on my Equifax credit report. This debt is inaccurately reported, as I do not owe this debt, nor have I ever signed any contract or agreement with XXXX XXXX XXXX, XXXX  related to this account. 

Collection Account Details : - Creditor / Collection Agency : XXXX XXXX XXXX, XXXX  - Account Number:XXXX - Date Reported : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. XXXX XXXX XXXX, XXXX has reported this debt without my consent and has failed to provide validation of the alleged debt. As a result, my credit score has been negatively impacted, causing difficulties in obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Bank did not honor grace period or returned payments despite sufficient funds. 

Wells Fargo repeatedly returned ACH drafts and misapplied deposits despite same-day or next-day XXXX payments. Their system continued advertising an XXXX XXXX XXXX XXXX, but drafts were returned overnight. This caused financial and emotional hardship, including the cancellation of multiple insurance policies, closure of four XXXX XXXX credit cards, and severe XXXX  during XXXX resulting in XXXX and XXXX  in XX/XX/year>. 

I have attached supporting documentation ( XXXX deposit records, Wells Fargo promotional emails, insurance cancellation notices, and medical records ).

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 2025-10-15 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: ND

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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: IN

Complaint narrative:
CARMAX AUTO FINANCE LATE PAYMENTS ARE INCORRECT. 

XXXX ARE REPORTED TWICE AND INCORRECT. 
XXXX LATE PAYMENTS REPORTED INCORRECT XXXX LATE PAYMENTS REPORTED INCORRECT XXXX LATE PAYMENTS REPORTED INCORRECT THEY WERE TOOK OFF MY ACCOUNT THEN RE APPLIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint concerns multiple accounts on my credit report and is not being filed in error. The information reported for these accounts is inaccurate and falls short of the required standard of maximum possible accuracy. These persistent errors have damaged my credit, interfered with my ability to achieve financial stability, and caused ongoing emotional and financial strain. I need a clear explanation for why these accounts are appearing, who furnished the information, and what documentation, if any, supports their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
They are reporting a card and balance that is totally inaccurate with a balance off {$3600.00} from a date of XXXX

Company response to consumer: Closed with explanation