vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am disputing a private student loan serviced by SoFi Servicing. As of today, I am 20 days past due, and I have formally requested a full discharge of the loan based on systemic regulatory failure and the dismantling of borrower protections during the Trump administration. These failures eliminated the oversight and relief pathways I relied on when I entered into this loan. 

SoFi has acknowledged my cease-and-desist request and has ceased direct communication but they have not changed the status of the loan, have not suspended credit reporting, and have not acknowledged the dispute in their reports, in violation of Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 3 ). Despite multiple certified letters outlining the legal and structural basis for discharge, SoFi rejected my claims without substantive legal analysis in their XX/XX/year> letter. 

I remain in active dispute of this debt and have submitted a rebuttal, a formal complaint draft, and a cease-and-desist notice. I am asking the CFPB to investigate SoFis conduct and require the company to : Properly flag the account as disputed in credit reporting, Suspend all negative credit activity while the legal matter is pending, And conduct a formal legal review of the enforceability of this loan. 
All supporting documentation can be provided, and I am acting in good faith to resolve this matter without further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-14 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: FL

Complaint narrative:
The account is XXXX XXXX XXXX # XXXX. The account is paid and closed, but reporting late payments on all three credit bureaus. Equifax, Transunion, Experian. It continues negatively impact my credit. I'm requesting immediate corrections.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account is XXXX XXXX XXXX # XXXX. The account is paid and closed, but reporting late payments on all three credit bureaus. XXXX, XXXX, Experian. It continues negatively impact my credit. I'm requesting immediate corrections.

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 2025-05-14 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: FL

Complaint narrative:
The account is XXXX XXXX XXXX # XXXX. The account is paid and closed, but reporting late payments on all three credit bureaus. Equifax, XXXX XXXX. It continues negatively impact my credit. I'm requesting immediate corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: HI

Complaint narrative:
I recently reviewed my credit report and was shocked to find a hard inquiry that I did not authorize. This inquiry was done onlinewithout my knowledge or consentand it is completely fraudulent. I want to be absolutely clear : I did not initiate this, I did not approve it, and I had no part in this inquiry being made. It should have never appeared on my report in the first place.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I got an email XX/XX/year> that my checking and savings account were closed and I was no longer able to access them and then was told that I am banned from Wells Fargo banking. I reached out to the XXXX number and went to a branch and they would not explain anything to me at all. I had balances in my account and nothing over drawn and never have had any issues in all the years I have been with Wells Fargo. I reviewed all accounts and noted there was no unusual or fraudulent activity and Wells Fargo was not willing to work with me to resolve the issue.

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 2025-05-14 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: TN

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX * * * * {$480.00} XX/XX/XXXX XXXX XXXX XXXX * * * * {$9900.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX APT XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  Loan Companies XX/XX/XXXX Experian, XXXX Personal Loan Companies XX/XX/XXXX TransUnion, XXXX XXXX XXXXredit Card XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX A. States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX * * * * {$480.00} XX/XX/XXXX XXXX XXXX XXXX * * * * {$9900.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX APT XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  Loan Companies XX/XX/XXXX Experian, XXXX Personal Loan Companies XX/XX/XXXX TransUnion, XXXX XXXX XXXXredit Card XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX A. States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my XXXX XXXX. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-05-14 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX  * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX * * * * * * XXXX - XX/XX/XXXX - {$230.00} XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$2300.00} XXXXXXXX XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$250.00} XXXXXXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$660.00} XXXX XXXX XXXX * * * * * * * XXXX - XX/XX/XXXX - {$570.00} XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX  XXXX * * * * * * * XXXX - XX/XX/XXXX - {$820.00} XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX * XXXX * XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX XXXX XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * XXXX * * * * XXXX - XX/XX/XXXX - {$230.00} INQUIRIES : XXXXXXXX XXXX XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: OH

Complaint narrative:
In XX/XX/year>, I submitted a formal dispute to Experian regarding a collection account reported by Vance & Huffman. I also submitted a complaint to the CFPB ( XXXX ) requesting validation of the debt under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Vance & Huffman responded through the CFPB portal but failed to provide legally sufficient validation. 

Their response included a one-page document generated by an affiliated company ( XXXX or XXXX XXXX ), labeled as a Customer Information Sheet . This document did not contain a signed agreement, billing statements, or proof that Vance & Huffman owns the debt or has legal authority to collect it. There was no itemization of the debt or any chain of custody from the original creditor. 

Despite this lack of proper validation, the collection account remains on my Experian credit report, which is a violation of FCRA 1681i ( a ) ( 5 ) and FDCPA 1692g ( b ). The continued reporting of this unverified and disputed tradeline is causing damage to my credit and preventing access to credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: FL

Complaint narrative:
Last year, our customer hired us to install artificial turf in their backyard. The cost of the project was {$14000.00}, and they paid a deposit of {$7000.00} with a credit card. We completed the job in XXXX and finished on XX/XX/XXXX. The customer paid the balance of {$7000.00} with a check to our supervisor, who subsequently provided the check to us. We deposited the check into our business account on XX/XX/XXXX, along with other checks. In XXXX, the customer contacted us, stating that the check had been deposited twice, resulting in the withdrawal of {$7000.00} from their account twice. We assured them that we had only deposited the check once and provided proof of this. The customer filed a police report, and we cooperated by providing the necessary details. The customer informed us that the case was resolved as their bank, Discover Bank, refunded the {$7000.00} mistakenly withdrawn. However, in XX/XX/XXXX, {$7000.00} was withdrawn from our XXXX account. We received a letter from XXXX stating that they withdrew the check because the original account from Discover Bank was closed. In XX/XX/XXXX, we contacted XXXX and were instructed to deposit the e-check attached to the letter, which we did. Unfortunately, the money from the e-check was also withdrawn, accompanied by another letter explaining that the original account from Discover Bank was closed. We reached out to XXXX again, and they opened a case for this situation and assigned a team to work with Discover Bank. Despite their efforts, they have not been able to communicate effectively with Discover Bank or obtain any information or resolution regarding this matter. At this point, we have exhausted all resources and have not found any solution. We are contacting you in hopes of receiving guidance or assistance to resolve this issue. Your help would be invaluable in navigating this complex situation and restoring the withdrawn funds to our business account. 

I am providing our client 's account number. We are not Discover Bank customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
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 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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a closed account from Barclay I have made all my payments on time, but I'm having a issues due to medical health I can't afford the monthly payments.

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 2025-05-14 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: MD

Complaint narrative:
I am filing this formal complaint against XXXX ( XXXXXXXX XXXX XXXXXXXX ) and Equifax for false and inaccurate credit reporting in violation of 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and Metro 2 compliance standards . Equifax continues to publish derogatory remarks on my consumer file that XXXX is reporting my federal student loans as being 90119 days late despite no such delinquencies occurring and no late payment history to justify these claims. 

Details of the Violation Upon reviewing my credit report dated XX/XX/year>, I discovered that multiple XXXXXXXX XXXX XXXXXXXX ( XXXX ) accounts are reported as follows : Status : 90119 Days Past Due Actual Payment History : Shows either XXXX ( paid on time ) or no late payments at all. 

Account Numbers Involved : Ending in * XXXX, * XXXX, * XXXX, * XXXX, and others XXXX Metro 2 standards, any account marked XXXX days late must be preceded by proper delinquency status codes ( i.e., 1 = 30 days, 2 = 60 days, 3 = 90 days ). These are completely absent. There are no codes indicating missed payments, yet XXXX and Equifax are falsely asserting major derogatory statuses. 

Additionally : All accounts are marked as Consumer Disputes Reinvestigation in Process, yet no corrections were made. 

I submitted supporting evidence and ID theft reports, yet Equifax failed to conduct a proper reinvestigation and certified XXXX information as accurate without reconciling the discrepancies. 

Applicable Violations FCRA 1681s-2 ( a ) Duty to report accurate information FCRA 1681s-2 ( b ) Duty to investigate and correct disputed information FCRA 1681i ( a ) Failure of reinvestigation by Equifax FCRA 1681n Willful noncompliance by reporting and verifying false data Metro 2 Format Manual Violation Reporting 90119 late status without sequential late codes ( 30, 60, 90 ) Relief Requested Immediate deletion or correction of all false Nelnet account statuses across all consumer reporting agencies. 

A written confirmation from Equifax and XXXX that the inaccurate statuses have been removed or corrected in compliance with FCRA and Metro 2.

Damages for willful noncompliance under 15 U.S.C. 1681n.

Investigation into Equifaxs failure to reinvestigate properly under 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief