vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
After the XXXX XXXX XXXX disaster, the servicer approved a three-month forbearance from XXXX through XX/XX/year>. A formal repayment plan was issued on XX/XX/year> ; a payment of {$4600.00} was made on XX/XX/XXXX, the first plan payment of {$8000.00} was made on XX/XX/XXXX, and the remaining balance of {$10000.00} was paid in full on XX/XX/XXXX, with regular payments resuming on XX/XX/XXXX. Despite these actions, the servicer reported XX/XX/year> as 90 days delinquent. After disputes, all credit scores reflected XXXX on XX/XX/XXXX, but the servicer later re-reported the same delinquency to multiple credit bureaus, causing renewed score drops.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX my debit card was charged {$72.00} however, I did not realize it until the next morning. I contacted SoFi customer service to dispute the charge but was today due to the pendingstatus I would have to wait until it posted. I was offered a follow up call by the representative who stated would monitor my account and contact me to complete the dispute whenever the transaction posted. I was contacted on XX/XX/XXXX as promised by the representative who transferred me to the fraud department. After completing my dispute with then correct department I was asked if I had any documents to support my claim. I informed the representative that I reached out to the merchant who was not able to locate an account in my name and I was informed by email that there was not a payment received from me to the merchant. I forwarded the email to SoFi as instructed. Before concluding the call, I inquired about the process and was told I would have to wait until SoFi review my claim which could take up to 45 days. I asked about a provisional credit and was told I would have to wait ( 10 ) business days before a decision is made to issue a provisional credit. That is ridiculous!!! I provided everything requested during the call and the representative stated she received it. I have never had this kind of experience a bank. The representative had everything she needed to complete my claim and the least she could have done was process the provisional credit that day. I received a follow-up call from XXXX, the claim complaint advocate who stated my claim is not set to receive a provisional credit until XX/XX/XXXX because the bank follows the Credit Financial Protection Bureau ( 10 ) day guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
I first contacted USAA on XX/XX/year>, to dispute multiple unauthorized transactions totaling {$12000.00} after my mortgage company notified me that my payments had been returned. Upon contacting USAA, it was determined that my account had been compromised and accessed by an unauthorized individual, resulting in multiple fraudulent withdrawals and transactions. I remained on the phone with a USAA representative for over an hour reviewing and disputing the fraudulent activity. During this call, I was informed that the compromised account would be closed and that the disputed funds would be deposited into a new account once the investigation began. 
Despite this assurance, USAA deposited the disputed funds into the same account that was supposed to be closed. Shortly thereafter, the funds disappeared again, and the account balance did not reflect the credited amount. I contacted USAA to report the missing funds and the failure to close the account as promised. As of the date of this complaint, the {$12000.00} has not been restored, and no clear explanation or resolution has been provided. 
On XX/XX/year>, I received written notice from USAA stating that the account had been closed due to an overdrawn balance of {$12000.00}. This overdraft amount corresponds to the disputed funds that were supposed to be credited back but were again removed because the account remained open. 
Additionally, while I was on the phone with USAA reviewing the disputed transactions, the representative informed me that another attempt was being made to access the account and change the password. This attempt was identified and blocked during the call, further confirming the account was actively compromised. 
USAA failed to follow through on its stated corrective actions, including properly closing the compromised account and safeguarding the disputed funds. This has caused significant financial harm and distress.

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 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Hello to whom it may concern ; I have called and ask for itemized statements on each loan and nothing was provided. I have spoke with several representatives that has given me all false information regarding my account and does not match up with the records I have on file. My account has been sent to various loan lenders which is unacceptable or ethical for business. This allows for foul play and additional hidden fees to occur.

Please be advised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding XXXX  billing and collection practices following my cancellation of service after nearly XXXX XXXX  as a customer. 
When I cancelled my service in XX/XX/year>, XXXX charged me for a decadeold signal booster device that is obsolete, no longer supported, and for which they can not provide documentation showing when it was issued or that I ever received it. They also continued billing a watch line that had no activity after I switched both my phone and watch service to XXXX. I was unaware any active line remained. 
Despite my long history of ontime payments, XXXX sent this disputed balance to collections. The collection agency gave me multiple conflicting reasons for the charges, calling into question the accuracy of the debt. This has resulted in the first negative mark on my credit report in my entire credit history. 
I am requesting that CFPB review these practices and assist in having the disputed charges and resulting negative credit entry removed. 

Blindsiding longstanding customers with a balance owed on a decade old device that may or may not have been issued and or subsequently returned has the optics of a de facto cancellation fee and is well documented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 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 2025-12-29 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$700.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} Inquiries : 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

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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was scared when they threatened to jail me and take me to court. I didnt know what to do so I set up a payment plan to pay {$50.00} a month until the balance they said I owed was paid. I paid it off, {$2000.00} in full on XX/XX/year>. I tried to call them and email them but they have shut everything down. I have the contract that they made me sign but I never got anything from them showing what the bill was for. All I know is that it was from a credit card debit that they said I owed from Capital One. I cant get a hold of anyone to send me a confirmation that the debt is paid in full. The collection agency is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off 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 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 2025-12-29 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have disputed this account multiple times over the years with it just updating as verified with no verification given. This is not my account. The amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-12-29 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: VA

Complaint narrative:
Under FCRA 604 / 15 U.S.C. 1681b, a company may only obtain a consumer report for a permissible purpose ( such as a credit application initiated by the consumer ). No such transaction was initiated by me with XXXX XXXX XXXX or XXXX XXXX. 

Under FCRA 1681b ( f ), a person may not use or obtain a consumer report unless it is for a legally permitted purpose. Pulling my credit report without my knowledge or consent is an impermissible use.

I have provided ID, SSN verification, and proof of address to the credit bureau confirming my identity and that I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2025-12-29 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: World Acceptance Corporation
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
THE FOLLOWING HARD INQUIRIES ARE FRAUDULENT AND DO NOT BELONG TO ME, THEREFORE, THEY MUST BE REMOVED : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
I am writing to dispute several items on my credit report, as outlined below. The accounts in question are inaccurate, incomplete, and do not reflect the true status of my credit history. I respectfully request that these issues be corrected as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries 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 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the following account, which I believe has been inaccurately reported on my credit report. Below are the details of the disputed account : CHARGED OFF Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$16000.00}

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE LATE PAYMENT INFORMATION BEING REPORTED IS INACCURATE AND DOES NOT REFLECT MY ACTUAL PAYMENT HISTORY. THESE ENTRIES ARE MISLEADING AND INCORRECT.

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 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
XXXX XXXX sent me a tax assessment for year 2026. It was excessive. After visiting the office it was discovered I was paying taxes at the wrong percentage rate They gave me a new assessment at the proper rate and issued a refund check to me. I forwarded a copy of the corrected tax document to Rocket Mortgage in order to have the proper amounts deducted from my account to satisfy monthly escrow payments. Rocket Mortgage sent me a disclosure statement showing a shortage amount of {$4800.00} based on the original wrong tax rate. When I contacted Rocket Mortgage I was told to call their tax division, which I did and they confirmed that the amended tax due was, indeed correct. Subsequent e-mails to Rocket Mortgage requesting anew monthly payment to reflect the much lower tax have been ignored. I am constantly being referred to an answering system to which I have already dealt with which confirms my new amount. However, Rocket Mortgage insist they do NOT have the new information despite the tax division saying they do and are bent on collecting {$4800.00} which I do not owe. Please help. I only receive {$850.00} per month on Social security and they want {$1100.00} per month due to their errors which they stubbornly refuse to correct.

Company response to consumer: Closed with explanation