vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
This is a follow-up complaint to ensure that the ongoing inaccuracies regarding charge-off accounts on my Experian credit report are properly addressed, as my initial disputes remain unresolved and are still being processed by the CFPB. I am disputing the following charge-off accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( {$1000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$320.00} ), and XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ). * * Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681n ), Experian is legally obligated to maintain the maximum possible accuracy of the information it reports. This includes ensuring that all charge-offs are properly verified and accurately reported. The presence of potentially inaccurate or unverifiable charge-off accounts not only distorts my credit profile but also exposes me to unnecessary financial harm, including higher interest rates, reduced credit access, and unwarranted reputational damage. Given these stakes, it is critical that Experian conducts a thorough investigation to confirm the accuracy of these accounts, as continued inaccuracies can result in severe violations of my rights 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Description of the issue : I am filing a complaint regarding two unauthorized hard inquiries that appeared on my credit report on XX/XX/2025. 

The first was initiated by Capital One. While I do have an active account with Capital One, I did not apply for any new credit or request any service that would justify a credit inquiry. 

The second inquiry was reported by XXXX. I have no active relationship with XXXX and did not initiate any application or credit-related activity with them. 

I am concerned that these inquiries may have been made in error or potentially fraudulently. I did not authorize either party to access my credit report, and I am requesting an immediate investigation into these inquiries. 

Resolution requested : I request the removal of both unauthorized credit inquiries from my credit report and a formal explanation from both Capital One and XXXX regarding the nature and purpose of the inquiries. 

Thank you for your attention to this matter.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account XXXX : XXXX XXXX # XXXX - Date Opened 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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I returned an item to XXXX, was never refunded by XXXX. I disputed through XXXX with no luck so went to my bank at SoFi, and have only been ran through the wringer for the last month plus. XX/XX/XXXX I opened a dispute, I was provided a provisional credit. Ive been in constant communication with SoFi from XX/XX/XXXX providing them with all the information they needed to verify it was finally ruled out of my favor and provisional credit was reversed. Im now still without my money back or the product ordered. The product was ordered in XXXX, its now XX/XX/XXXX and SoFi has been unable to help for over a month. Ive been waiting on the phone for XXXX minutes waiting to connect to a dispute agent the customer support is a complete joke. I was much happier with my physical branch location.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 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: Netspend Corporation
State: MN

Complaint narrative:
Ive been receiving many debit cards in my name from Netspend. I've had no interaction or desire to have anything to do with netspend but keep receiving debit cards ready to be activated in my name.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I mailed a letter to equifax and transunion in XXXX to have my inquiries on my credit report that were not authorized removed. Transunion refused and referred me to the companies that were on the credit report I spoke with all of them and they referred me back to credit reporting agencies to dispute. XXXX advised they would open a dispute but I never received results after 30 days of dispute

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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ) for reporting a medical-related collection account under {$500.00}, in violation of updated credit reporting rules effective XX/XX/XXXXXXXX 

Details : Creditor : XXXX XXXX XXXX Original Debt Type : Insurance/Medical-related Balance : {$180.00} Date Opened : XX/XX/XXXX Status : Still reporting as active collection Per the policy changes implemented by Experian, Equifax, and TransUnion XXXX medical debts under {$500.00} are no longer to be reported. This debt qualifies for immediate deletion under that guidance.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : While checking my most recent credit report, I noticed credit inquiries where the companies did not have a permissible purpose per the FCRA. 
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 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 Congress has limited the use of consumer reports to protect consumers ' privacy . All users must have a permissible purpose under the FCRA Section 604 to obtain a consumer report. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. Please provide me with this certified information. In the absence of any such documentation, I formally request that these inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act.

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: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One closed my accounts due to my bank account being hacked numerous times. They said the activity was suspicious and closed my 2 important credit cards. I want them censured and my credit cards turned back on immediately. Honest mistakes dont warrant this type of actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Received an invoice saying theres an auto charge under my email address. {$510.00} but I dont even have a PayPal account.

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: PA

Complaint narrative:
This is a follow-up complaint regarding the inaccurate reporting of a late payment from XXXX - Account Number : XXXX * * - Reporting Past Due : {$0.00} * * on my XXXX XXXX, and Equifax credit reports. Despite my previous disputes, this account continues to reflect a past due amount of zero dollars across all three bureaus, which is both misleading and potentially damaging to my overall credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681n ), each of these credit bureaus is legally obligated to ensure maximum possible accuracy in the information they report, including accurately reflecting account statuses and payment histories. 

The continued presence of this inaccurate late payment, despite the account clearly reflecting a zero-dollar past due balance, raises serious concerns about the quality of the investigations conducted by these bureaus. Given the identical nature of this error across all three reports, it is evident that these inaccuracies are likely the result of poor verification processes or inadequate communication with the original creditor, XXXX. This not only undermines the credibility of my credit reports but also exposes me to potential financial harm, including unjustified credit score reductions and unfavorable lending decisions. 

Additionally, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. This lack of proper oversight significantly increases the likelihood that this late payment entry has not been appropriately validated, further compromising the accuracy of my credit history.

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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Debt Collection Dispute and Request for Verification Dear Sir/Madam, I am writing to formally dispute the collection account referenced by account number [ XXXX XXXX  XXXX ] , which appears on my credit report. This letter serves as a request for validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Under 15 U.S.C. 1692g, I am entitled to request verification of the debt. I require that you provide documented evidence detailing the following : 1. * * Original Creditor : * * Complete name and address of the original creditor. 
2. * * Verification of the Debt : * * A full accounting of the debt amount, including itemized charges. 
3. * * Proof of Your Authority : * * Documentation proving that you have authority to collect this debt on behalf of the original creditor. 

Additionally, under 15 U.S.C. 1681i of the FCRA, any information reported must be complete and accurate. I request that your business ensures that any erroneous or unverifiable information is removed from my credit reports. 

Until you can produce evidence validating this debt, I am requesting that you cease collection activities under 15 U.S.C. 1692c and stop reporting this account to the credit bureaus. 

I expect a thorough investigation and a full response within the 30-day period as specified by federal law. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SEE NOTES AND ATTACHMENTS According to 15 U.S Code Section 1681s-2 ( a ) It is illegal to report inaccurate information on my credit report. How is it possible to open the same account on two different days. This is an inaccurate report. Also, the past due dates are showing different reports. The account numbers are also different. Where did you receive these inaccurate reports? Please delete these inaccurate reports 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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NE

Complaint narrative:
I am in the 0 % interest SAVE forbearance, yet my account has accrued interest in the last several months. There is no record on MOHELA of the interest being added.

2 complaints sent through their website have been ignored for months. Attempts to call are met with 2+ hour hold times.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have outdated and inaccurate personal data reflection on my credit report .under the FCRA specifically 15 usc 1681 e ( b ) outdated and inaccurate prsonal information must be deleted to ensure maximum accuracy as follows : incorrect address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in correct emloyer status : i do not work, i am retired

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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: IL

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 — Other 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: WD Global Group, LLC
State: UT

Complaint narrative:
CFPB Complaint Draft : Global Group ( re : Claim # XXXX ) Subject : Continued harassment and aggressive collection tactics from Global Group on a debt that has already been heavily paid and was previously disclaimed by XXXX XXXX XXXX XXXX XXXX 

Complaint Summary : I am submitting this complaint regarding Global Group, a company now attempting to collect on a debt originally originated through XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Snap has since confirmed that my account was sold and no longer belongs to them. Despite this, I have been subjected to repeated, aggressive collection attempts including threatening voicemails and third-party harassment. 

This company claims to be operating under Claim # XXXX, which they have referenced in voicemails and phone communications. 

XXXX of Events & Payments : XX/XX/XXXX : I made an initial activation payment of {$1300.00}. 

XX/XX/XXXX : First installment payment made ( {$81.00} ). 

I continued to make payments over time totaling approximately {$1700.00}. 

XXXX  XXXX emailed me shortly after confirming that my account was transferred and sold, and that they no longer hold it. They later clarified the purchaser as " XXXX '' ( misspelling likely meant XXXX ), but all payment attempts since then have been withdrawn under a different name : " XXXX XXXX ''. 

Nature of Abuse : I received a voicemail on XX/XX/XXXX threatening legal action. The tone and language used were aggressive and designed to scare me. 

On XX/XX/XXXX, my mother ( XXXX ) received a separate voicemail from the same party. Contacting a third party without my permission is a violation of the FDCPA. 

Both calls were made from restricted or unknown numbers. 

I have sent a cease and desist notice via text message to the only number theyve contacted me through. 

Despite these actions, they continue to contact me and now my family. 

Attempts to Resolve : I filed CFPB complaints # XXXX and # XXXX against XXXX XXXX XXXX XXXX XXXX Both were returned as XXXX  confirmed the debt is no longer under their management. 

I also submitted # XXXX, which is still under CFPB review XXXX 

I have filed complaints with the FTC, provided voicemails, and alerted my bank, who has not responded yet. 

What I Am Requesting : An immediate investigation into the collection tactics used by XXXX XXXX. 

Cease all communication with me and any third parties. 

Confirmation that this debt has been closed or resolved, as over 60 % of the original amount has been paid, and I was not informed of the sale or remaining balance.

Assurance that no legal action will be taken, and that my and my familys personal information will not be further contacted or shared. 


Please let me know if any further documentation is needed.

Company response to consumer: Untimely response