vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IL

Complaint narrative:
Earlier this month, I discovered that Mohela had reported my federal student loans as delinquent without providing any prior notice or communication. I did not receive any emails, phone calls, or letters warning me about missed payments or a delinquency status. As a result, my credit score dropped significantlyfrom XXXX to XXXX I only became aware of when I checked my credit report in early XXXX. 

Before this incident, I had consistently maintained a strong payment history across all my accounts, including credit cards and a car loan. I was completely unaware of any issue with my student loans and would have taken immediate action had I been notified. 

After learning of the delinquency, I contacted Mohela and promptly enrolled in an Income-Driven Repayment Plan to resolve the issue and prevent further problems. I am now making regular payments and working diligently to rebuild my credit. 

This unexpected negative reporting has had a serious impact on my ability to secure housing and access credit. I am requesting a thorough review of this matter and respectfully ask for a correction or removal of the delinquency due to the lack of prior notice and the absence of an opportunity to address the issue in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
According to IRS UNPAID CHARGE OFF IS INCOME AND FOR ACCOUNTS THATS STATE ON MY CURRENT CREDIT REPORTS I HAVE RECEIVED 1099-C FOR ALL ACCOUNTS ALSO ACCORDING TO FCRA INCOME CAN NOT BE REPORTED ON CONSUMER CREDIT REPORT AFTER CHECKING MY MOST UPDATED CREDIT REPORT IM STILL SEEING ACCOUNT REPORTING FOR ACCOUNTS AS FOLLOWS XXXX XXXX XXXX is claiming and reporting this balance to a third party even though it has been cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
My credit file reflects a 90-day late payment for the account listed below ; however, this was reported without any prior indication of a 30-day or 60-day delinquency, and I did not receive any notice of delinquency from the creditor : Under the Fair Credit Reporting Act ( FCRA ), as well as the policies and responsibilities expected of debt service providers, you are required to ensure the accurate, fair, and substantiated reporting of all consumer information. The reporting of a 90-day late payment without the appropriate preceding 30- and 60-day notations and without prior notice violates my rights under these laws and raises serious concerns regarding the accuracy and legality of this entry.

This reporting practice is not only inaccurate, but also misleading and harmful to my credit profile. I request that you investigate this matter promptly and provide documentation verifying the reporting history of this account. If such documentation can not be substantiated, I expect this delinquency to be immediately removed from my credit report.

In accordance with the FCRA, I ask that you complete your investigation within 30 days and send me written confirmation of the outcome. Please also provide an updated credit report reflecting any corrections made.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, around {$10000.00} ( {$9800.00} ) was withdrawn from my SoFi checking account through transactions I did not authorize. I discovered this shortly afterward and immediately contacted SoFi support last week. At that time, I was told to wait for the team to investigate.

Later, I received an email from SoFi stating that the transactions had already been completed and that I should reach out to the billers myself. However, this is frustrating and unacceptable, as I was instructed to wait by SoFi support initially, which delayed my ability to act. Now that the transactions are finalized, Im being told theres nothing more they can do.

I attempted to escalate the issue, but again this week, I was asked to wait another 10 days. This is an extremely large sum of money, and I feel the situation has been handled very poorly. The delays and lack of support have made the process even more difficult, and Im deeply concerned by the lack of responsibility taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am writing to formally file a complaint against US Bank regarding their failure to properly credit my escrow payment after I submitted a payoff of {$1800.00} to cover an escrow shortfall on XX/XX/year>. It has been XXXX days since the payment was made, and the funds have still not been applied to my escrow account, even though I was told this would be resolved within a few days. The payment is now due in XXXX  days, and I am concerned that this delay may result in late fees, penalties, or missed payments for property taxes and homeowners ' insurance. 

Despite multiple attempts to resolve this matter through phone calls and chat with the bank 's customer service team, I have not received a clear explanation or resolution. Each time I contact them, they say they have received payment and the properly signed form. I am told that the monthly payment amount will be updated by a certain date, but when that date rolls around, the change has not been made and I am given another date in the next few days. The delay is ongoing and I am at risk of additional financial hard due to the bank 's failure to promptly process this payment. 

I contact the bank a few days after the payoff via chat, then again via chat a few days later. I called on the XXXX, the XXXX, and the XXXX. The dates I was given for completion have been the XXXX, the XXXX, and the XXXX. As of the writing of this complaint, the incorrect payment amount is still showing on my account. 

The monthly payment amount is currently showing as if we still have not made the FULL payment of the shortfall. The amount we are expecting reflects FULL payment. IT SHOULD BE {$4700.00}, but currently reads {$4800.00}.

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Collectors International, Inc.
State: PA

Complaint narrative:
Based on my previous report no. XXXX XXXX - XXXX XXXX and XXXX XXXX - XXXX XXXX, I will continue my complaint to The XXXX XXXX in XXXX XXXX and to DCI, because DCI still contacted me to my phone number for many times after I submitted my previous report to CFPB. Today, XXXX XX/XX/XXXX at XXXX XXXX, I arrived to the XXXX XXXX in XXXX XXXX, XXXX. I need to complain directly to them. But the office was closed. Nobody in there. Today is Tuesday. Not as their off day. Their off day on XXXX. It looks like a scammers office. I called them formany times. No answer. The phone machine said that their voice messages were full, and I couldn't leave any message. 
I never receive any emails or calls for the course schedule from The XXXX XXXX. Suddenly, now, DCI pushes me to pay money to The XXXX XXXX more than {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX XXXX and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer h
as failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I am trying to unfreeze my credit report with Experian. As I have moved and my phone number change, I am unable to access the automated system. I mailed a written request to unfreeze the credit report and update the information and it was delivered to Experian, but I have received no response. It is impossible to speak to a customer representative, as I am place in a closed loop automated system.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please send the full copy of my tenant screening report to my current mailing address listed above. If you require additional information to process this request, you may contact me at your earliest convenience.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I was effected by the XXXX  data breach. I have been compromised, my social security number, phone number, date of birth, address and account details. tam very concerned due to fraudulent account being opened in my name, this has caused identity theft, credit card fraud and other malicious purposes. I have taken steps as to placing credit freezes, changing my passwords, and monitoring my credit reports, I have reported this to the FTC to document the incident and request assistance if needed. I also have listed all accounts that were affected my the Equifax Breach in my FTC report. I also have attached a breach notice for your reference. The Gramn -Leach - Bililey Act ( GLBA ) is a federal law that regulates the collection, disclousure, and use of consumer financial information by financial institutions. It establishes privacy rules, security requirements, and restrictions on the sharing of nonpublic personal information ( NPI ) the GLBA consists of three main sections : the Privacy Rule, the Safeguards Rule, and the Pretexting Rule. which XXXX  failed to keep customers safe.! 5 U.S.C. 6801. accounts affected by this breach are listed in FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I reached out to XXXX back on XX/XX/year> to let them know my XXXX  has XXXX  XXXX  and that I am the XXXX XXXX XXXX  handling his affairs. I confirmed on XX/XX/year> that I provided all the necessary documentation needed in order to liquidate his account and close it out. However Chime has stopped responding and has not released the funds to me. It has been close to XXXX XXXX with no sort of communication and I have called and emailed multiple times. It is illegal for them to keep a XXXX  account opened after all documents have been provided and instructions given on what to do with the funds and account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I XXXX  XXXX  number trying to get to customer rep and it ended up being a scammer who was assisting me like an XXXX agent and the person got access to my phone and cash app someone that I know then went ahead and report the transaction to cashapp and cash app refund the amount to my cashapp then the scammer went ahead and deposited it in a XXXX XXXX XXXX. I reach out to cashapp for some assistance and they denied my case. They scammed me {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: VA

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Experian is reporting a paid account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that does not belong to me. I was not residing at the property. The lease was under XXXX XXXX XXXX Ive disputed this and Experian failed to reinvestigate properly. 
They are violating FCRA 607 ( b ), 611, and 623. I am filing complaints with the FTC, CA Attorney General, and VA Inspector General. Experian continues to report a paid debt that doesnt belong to me. The lease was under XXXX XXXX XXXX I was not living at the property.This account is harming me as a 100 % XXXX veteran and this must be removed immediately. This has affected my livelihood for over XXXX years and there is substantial proof of emails and text messages and even a document signed by XXXX XXXX XXXX XXXX saying that she takes full responsibility. It shows an Experian did not do an investigation or if they did, they would've found these documents.

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 2025-04-22 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: CA

Complaint narrative:
Experian is reporting a paid account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that does not belong to me. I was not residing at the property. The lease was under XXXX XXXX XXXX Ive disputed this and Experian failed to reinvestigate properly. 
They are violating FCRA 607 ( b ), 611, and 623. I am filing complaints with the FTC, CA Attorney General, and VA Inspector General. Experian continues to report a paid debt that doesnt belong to me. The lease was under XXXX XXXX XXXX I was not living at the property.This account is harming me as a 100 % XXXX veteran and this must be removed immediately. This has affected my livelihood for over XXXX years and there is substantial proof of emails and text messages and even a document signed by XXXX XXXX XXXX XXXX saying that she takes full responsibility. It shows an Experian did not do an investigation or if they did, they would've found these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/year>, I paid off my Capital One credit card in full ( account ending in XXXX ) after making two large payments totaling over {$430.00}. The card had a {$300.00} limit and was restricted from use. Despite the full payoff, Capital One continued to apply residual interest and past due fees for months without notifying me of any remaining balance.

I was never sent a final itemized bill for the supposed trailing interest before being penalized. Eventually, Capital One reported the account as 60 days late to the credit bureaus. This has negatively impacted my credit report and score.

I made multiple phone calls to resolve the issue. I was transferred repeatedly, received vague and inconsistent explanations, and was ultimately disconnected with no resolution. A representative even stated that their system couldnt show her the reason for the fees and would not allow them to be removed. 

I am seeking a full reversal of all charges applied after the XXXX payoff, correction of the inaccurate credit reporting, and confirmation that the account is closed in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief