vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
XX/XX/year> Sent certified letter requesting debt validation from XXXX. Provided a notarized statement stating I do not own a car or have signed any insurance contract. Also sent certified letters to XXXX, Experian, and XXXX. I believe only XXXX removed the collection. Others stated NOT enough evidence. 
Please see the attached

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 2025-08-04 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: TX

Complaint narrative:
XX/XX/year> Sent certified letter requesting debt validation from XXXX. Provided a notarized statement stating I do not own a car or have signed any insurance contract. Also sent certified letters to Equifax, Experian, and TransUnion. I believe only XXXX removed the collection. Others stated NOT enough evidence. 
Please see the attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$85.00} INQUIRIES : XXXX XXXX  XXXX XXXX Date : XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
In XX/XX/XXXX, I became homeless after losing housing without warning. During this period of hardship, I fell behind on my loan. Since then, Ive paid over {$2500.00} to bring the account current and have been sending {$1000.00} monthly payments consistently to pay it down. 

However, my recent payment history has been impacted by MOHELAs autopay system failing to process payments I attempted to schedule. Despite enrolling multiple times, payments were not withdrawn, and XXXX XXXX alerted. Once I noticed this issue, I made manual payments immediately, but late marks for XXXX and XX/XX/XXXX were already reported. 

I previously disputed all XXXX late payments with the major credit bureaus. XXXX  removed all of them. XXXX  removed only XXXX, leaving XXXX that are inconsistent, inaccurate, and harmful to my credit profile. I also have documentation showing a repeat of the same autopay failure in XX/XX/XXXX, which I again corrected with a {$1000.00} manual payment within the XXXX window. 

XXXX  claims MOHELA verified the lates, but MOHELAs system has a known history of technical issues, which I and many others have experienced. I am not claiming fraud. I am stating the data is either incomplete, misreported due to servicer error, or unverifiable under the FCRA.

Im trying to qualify for my first mortgage and stabilize my life. Ive made good-faith efforts to fix the issue, pay aggressively, and resolve what wasnt my fault. Im asking CFPB to help ensure XXXX  completes a full reinvestigation and removes or corrects these harmful marks.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Upon receiving the billing statements about the disputed account with Capital One, I was able to immediately identify XXXX XXXX XXXX, owner of XXXX  XXXX XXXX, as several cash advances were made to XXXXXXXX XXXX XXXXXXXX  as well as personal purchases such as groceries, Door Dash, and restaurant visits across the country. 
I learned at the outset of the account that a pre-approved mailing was taken from my home, and an unauthorized account was established which had been set to paperless statements. In XXXX of XXXX, the billing address was switched to XXXX XXXX XXXX 's personal home and business address in XXXX, MI. 
Since trying to contact XXXX XXXX XXXX to seek justice about the account, she has moved away from the billing address, quit her job with the VA where I met her as a member of the XXXX XXXX Department, and scrubbed her social media presence leaving myself and the courts unable to locate her for the set court date. 
Having witnessed XXXX XXXX XXXX with a fist-full of credit cards and thinking nothing of it at the time, I now know that I am not the only person that has been defrauded by XXXX XXXX XXXX XXXX XXXX as XXXX  XXXX XXXX, which can be found in XXXX under the entity # XXXX, found in the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX/XXXX  ] Account Number : [ 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 2025-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I apologize, as my third complaint was very emotional for me. Im submitting this update regarding my ongoing dispute with SoFi involving a clear case of business impersonation fraud that resulted in a loss of {$1000.00}. This is a continuation of my third complaint, as I can not find away to simply update the third one. 

I have provided extensive, concrete evidence, including timestamped scammer messages and internal employer communications confirming the fraud. Despite this, SoFi has denied my claim XXXX times, each denial ignoring or failing to reference the evidence I submitted. 

During a call with a SoFi advocate, I was verbally told that my evidence was reviewed. However, when I requested a detailed written explanation of the denial, the document provided did not mention or reference any of my submitted evidence. When I asked why the evidence was omitted from their written decision, I received no further response. 

After I filed my first complaint with CFPB, XXXX requested additional documents which feels like a retroactive attempt to justify prior denials rather than a genuine investigation. AND asked for me to recount the incident possibly using my words against me, such as I bought the gift cards, but willfully ignoring the part where I was deceived by someone impersonating my boss. 

This pattern of denial, vague explanations, and failure to properly address my proof is unacceptable. I should not have to be a lawyer, regulator, or investigator just to get back what I lost or receive the protection I am entitled to as a consumer.

Therefore, I respectfully request : - A full review of SoFis handling of my claim, with attention to why my submitted evidence was omitted in their denial explanations.

- Enforcement to hold SoFi accountable for mishandling my dispute and any deceptive practices. 
- Assistance in securing full reimbursement of the {$1000.00} without further delay. 
- A direct explanation from CFPB on how SoFi repeatedly denied a valid claim despite clear evidence. 
Thank you for your support in resolving this matter. 
What happened here is very clear. I need someone to see me and to believe me. 
And lets be clear, Im not stupid. I have all evidence, including evidence of SoFis willful negligence. 
The emotional distress and gaslighting that Ive experienced from this institution is absolutely sickening. 

* I believe Ive submitted more than enough documents in my previous complaints, please look to my previous complaints for all documents submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
This letter is a formal dispute of the validity of the alleged debt referenced above. I am not familiar with XXXX XXXX XXXX, nor have I entered into any contractual or financial agreement with your company. I am the victim of a DATA BREACH. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting written validation of this debt, including the name of the original creditor, the amount owed, and any relevant supporting documentation.

Until such validation is provided, you must cease all collection activities and must not report or continue to report this account to any credit reporting agency, as doing so without proper verification is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

If this debt can not be verified, I request that it be permanently deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
We bought this car in 2017 we made payments on time until my wife and I bought XXXX I was sick for a month XXXX sick when I got better got back to work I call this company to explain I would be a little late just getting back to work after being sick. The Rep said I was 5 Months ahead that she could hold the account until the 5 month was up since I was ahead on payments I thought that was awesome however they never stopped the payments I was hit with 5 month late fee my interest went so far up a car that was XXXX become close to XXXX we paid XXXX a month for a year and the account never moved it was staying at XXXX for 2 years they are the most scam company I ever dealt with then to top it off. They repossessed our car in the middle of XXXX shut down. We had to pay a fortune to get it back this company continue to rob us over and over. I finally had enough. I told him to come and get the car this is ridiculous. I have never defaulted on a vehicle before, but this wasnt even realistic now theyre garnishing my wages over the mistake I want this company dealt with I try to hire a lawyer but no lawyer will take on this company. This is got ta stop. They cant XXXX human beings the way they are. I will not stop until I end this company. This is ridiculous. I did not try to rob them. They rob me. I love that car and was willing to pay it off. My Wife and I did everything we could to try to pay it off, but they just kept making sure it was an impossible task.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX  XXXX BANK XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX TransUnion, and XXXX  for XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and DEPTEDXXXX ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, XXXX is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your 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 2025-08-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am filing a complaint regarding a billing issue with my XXXX XXXX membership renewal. I was charged {$110.00} for what appears to be XXXX separate membership renewals : a primary membership and a XXXX membership. I believe I was incorrectly charged twice for my annual renewal. 
After noticing the amount charged, I contacted XXXX XXXX customer service. The representative informed me that the {$110.00} was for the XXXX membership renewal alone. However, the receipt I received clearly shows XXXX line items : XXXX for a primary membership renewal and another for a XXXX membership renewal. 
This suggests I was billed for both, despite the fact that the XXXX membership is simply an upgrade to the standard membership not an additional or separate membership. Therefore, I should not have been charged twice. 

I am requesting a full review of this transaction and a refund of any duplicate or erroneous charges. 


Thank you for your attention to this matter. 

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 explanation
Consumer complaint received 2025-08-04 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} CREDITACPT - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit report and found incorrect information that doesn't belong to me. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX Employers : XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report and found incorrect information that doesn't belong to me. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX Employers : 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