vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>2025, I received a {$280000.00} ACH deposit ( ACH ID : XXXX, Transaction ID : XXXX ) as payment for a contract job. I spent approximately {$64000.00}, leaving a {$210000.00} balance. Shortly after, SoFi Bank restricted my account, blocking access to the remaining funds. Despite my efforts to resolve this with SoFi on [ list dates of calls/emails, e.g., XXXX, spoke with rep named XXXX ], including providing verification details, SoFi has refused to lift the restriction or provide a clear resolution timeline. This restriction prevents me from accessing my {$210000.00}, which I need to perform my contract job. Failure to access these funds risks my termination from the job, leading to significant debts and severe financial hardship, including inability to meet critical obligations and potential liability for the spent {$64000.00} if disputed. I have documentation of the contract agreement [ if applicable, or remove ] and transaction details to confirm its legitimacy. SoFis actions unfairly deny access to my funds, exacerbating financial damages and threatening my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: RI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ( ACCOUNTS ) on ( DATE M/Y ) and fraudulent inquiries : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # FTCNUMBER, as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am contacting you to dispute fraudulent tems on my credit report, which I believe stem from identity theft ( Pursuant 15 U.S.C 1681 c-2 ) I am requesting that these inaccuracies be blocked properly. Attached is a copy of my report FTC identity theft report ( FTC Report Number XXXX ) which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681 c-2 once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked.

I am writing to notify you that i have fallen prey to identity theft I haven reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Im in the Chex system due to false reporting. XXXX XXXX  XXXX sold my information to the Chex 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial XXXX  and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I complained to nelnet about my account. I was told that they would send account documents to me. Now they are saying I need to get a court supeana for them. I can not hire a lawyer to be able to get those documents that they have for me. Because I asked for those documents they are now retaliating against me. They have frozen my access to my account, will not correct my account, and refuse to service my account. I am unable to reach them by phone and through .y account. I keep telling them about the mistake they made ( my proof is the phone recording with nelnet ) but they still will not answer me back and are ignoring me in hopes I go away. 
I want my interest corrected as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Account # XXXX XXXX  File # XXXX Debt Validation Request Under FDCPA & FCRA To Whom It May Concern : I dont recognize this debt that in your letter states is from XXXX XXXX. My name is XXXX XXXX and not XXXX XXXX as indicated on the letter. This debt does not belong to me. 
This letter is a formal request for validation of the alleged debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

1. Request for Debt Validation ( FDCPA 1692g ) Under the FDCPA, I dispute this debt and demand the following information to verify its validity : Provide proof that this account belongs to me as my name is XXXX XXXX ( see drivers license ) Provide a copy of the original statement from the charges on the furniture account that resulted in the charges. 
Proof of the original debt, including a copy of the signed agreement with the original debt is currently owed, the account number used by the creditor, and the amount owed. 
The name and address of the original creditor who the XXXX XXXX complete payment history, including the date of first delinquency with the original creditor. 
Documentation proving XXXX XXXX XXXX owns the debt ( e.g., a chain of assignments from XXXX XXXX XXXXLVNV Funding ) which includes the above reference account. 
An itemized breakdown of the claimed balance, including interest, fees, and collection costs. 
Provide privacy documents that allow XXXX XXXX XXXXXXXX XXXX XXXX/LVNV Funding LLC to have access to the XXXX XXXX personal data Securitization i. Included in XXXX  Agreement with Trust Double Entry Accounting Record i. Full History ii. Full Activity I am also requesting, in writing, that no telephone contact be made by your offices to my home and/or place of employment. All future communications with me must be done in writing and sent to the address noted in this letter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Opened up a new checking account with Wells Fargo on XX/XX/year> because they sent me an email about a {$320.00} bonus offer when opening a new checking account through them. After opening the account I read all of the requirements to meet to receive the bonus which was something like receive {$1000.00} or more in direct deposits within the first 90 days, which I then went out of my way to switch which account my paychecks go into. 

So I qualified for that part of it, but I havent received the bonus yet as its been past the 90 days and I just called them to check the status of the payment and they said in the requirements it said it was only for new customers which I do not remember reading in the requirements. So I then went back to check my email to re read the requirements and I can still see the email but cant view the supposed requirements anymore.

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 2025-09-25 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: NJ

Complaint narrative:
Please see supporting documents pertaining to XXXX  data breach

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/scrub> 2025, I received notice from Capital One that both of my credit card accounts were closed due to activity inconsistent with typical customer account usage. 

When I contacted Capital One for clarification, I was told the closures were the result of returned payments, which was caused by failure to update the payment method linked to my credit card payments. This was a payment method error, not due to financial hardship or an inability to pay. 

I immediately corrected the issue and will continue/have continued making payments on time toward the balances until they are paid off. Despite this, Capital One stated the accounts were permanently closed, and that their system does not allow reinstatement. 

My concerns are as follows : 1. The closure of both accounts will cause significant harm to my credit profile, as these were my only open credit card accounts. I have been working diligently to rebuild my credit over the last nearly two years, and this action places me at a severe disadvantage.

2. I want to ensure that Capital One reports these accounts accurately as Closed by credit grantor Paid in Full / Paid as Agreed once the balances are satisfied, rather than suggesting delinquency or charge-off.

3. When I called for clarification, the representatives were not informative or helpful. I was repeatedly told they had no information they could provide. I specifically asked that a notation be added to my account indicating that this was a payment method error, not refusal to pay. Instead of confirming, the representative placed me on hold and then hung up on me.

4. Because both accounts were closed, I now have no active revolving credit lines. I have already been unable to get approved for new cards, and this closure makes my financial situation significantly more difficult since I can not rebuild without an active tradeline.

Resolution Requested : Confirm that my Capital One accounts will be reported accurately as Closed by credit grantor, Paid in Full / Paid as Agreed, with no delinquent or charge-off remarks once balances are paid.

Ensure that Capital One provides transparent communication and proper notations for customer accounts in situations like mine.

Consider a goodwill adjustment, given this was a one-time payment method oversight and not a refusal or inability to pay.

Help ensure I am not unfairly penalized by being left without the ability to rebuild credit or access fair financial products.

I have worked very hard to rebuild my credit over the past nearly two years, and I am asking for fair treatment so that one mistake with a payment method does not erase the progress Ive made. All I request is accurate reporting, improved transparency from Capital One, and the ability to continue rebuilding my credit without being unfairly set back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am contacting you to dispute fraudulent tems on my credit report, which I believe stem from identity theft ( Pursuant 15 U.S.C 1681 c-2 ) I am requesting that these inaccuracies be blocked properly. Attached is a copy of my report FTC identity theft report ( FTC Report Number XXXX ) which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681 c-2 once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked.

I am writing to notify you that i have fallen prey to identity theft I haven reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: WI

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 may 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 seven 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>2025 someone hacked into my XXXX XXXX  and compromised my card information, using it for local purchases. I contacted Chase and filed a dispute as soon as I realized what happened. Chase asked for sufficient documentation, I provided a police report- they have since denied my claim, stating a lack of supporting evidence for the claim. This is over {$2100.00} worth of transactions that has been denied. Ive since tried to get Chase to reevaluate the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Account # XXXX XXXX  File # XXXX Debt Validation Request Under FDCPA & FCRA To Whom It May Concern : I dont recognize this debt that in your letter states is from XXXX XXXX. My name is XXXX XXXX and not XXXX XXXX as indicated on the letter. This debt does not belong to me. 
This letter is a formal request for validation of the alleged debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

1. Request for Debt Validation ( FDCPA 1692g ) Under the FDCPA, I dispute this debt and demand the following information to verify its validity : Provide proof that this account belongs to me as my name is XXXX XXXX ( see drivers license ) Provide a copy of the original statement from the charges on the furniture account that resulted in the charges. 
Proof of the original debt, including a copy of the signed agreement with the original debt is currently owed, the account number used by the creditor, and the amount owed. 
The name and address of the original creditor who the XXXX XXXX complete payment history, including the date of first delinquency with the original creditor. 
Documentation proving Financial Recovery Services owns the debt ( e.g., a chain of assignments from XXXX XXXX XXXX XXXX XXXX which includes the above reference account. 
An itemized breakdown of the claimed balance, including interest, fees, and collection costs. 
Provide privacy documents that allow Financial Recovery Services , IncXXXX XXXX XXXX XXXX have access to the XXXX XXXX personal data Securitization i. Included in Pooling/PSA Agreement with Trust Double Entry Accounting Record i. Full History ii. Full Activity I am also requesting, in writing, that no telephone contact be made by your offices to my home and/or place of employment. All future communications with me must be done in writing and sent to the address noted in this letter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation