vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
on XX/XX/year> I sent the bank my XXXX and security agreement asking that they acknowledge my security interest and rights as a secured party and in accordance with XXXX that states a secured party has control of a deposit account if : the secured party becomes the banks customer with respect to the deposit account. And I as the secured party have a right to use my security interest to secure all obligations and liabilities when it comes to that deposit account XXXX bank sent me a letter on XX/XX/year>, and it read subject acknowledgment of mailed letter ; ref XXXX XXXX and in the letter it states thank you for bringing your concerns to our attention, and they ask me to contact there Member team and I did on XX/XX/XXXX And I ask if they had a control agreement they told me no. so on XX/XX/XXXX I ask that they send me an acknowledgment letter or email of my security interest and rights as a secured party on but nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, Chase reduced my XXXX XXXX XXXX limit from {$11000.00} to $ XXXX new limit which was practically identical to my existing balance, causing the card to go over limit overnight. This spike in utilization, combined with my personal XXXX XXXX being cut from {$28000.00} to {$11000.00} also identical to existing balance, triggered a XXXX credit score drop and above the limit credit usage Ive had a few late payments in XXXX, XXXX, and XXXX due to forgetfulness not lack of funds. To prevent this, I enrolled in autopay in XXXX. Since then, all payments on my personal XXXX XXXX have been timely but I consistently paid more than the minimum and even higher amounts or full balances.

My business card didnt have autopay set up yet. In XXXX, I initiated an {$800.00} payment that was mistakenly linked to my sons empty bank account, resulting in a returned payment. As soon as I realized this on XXXX, I immediately corrected it and set autopay for the business card with a fixed amount. 

I also had a hard inquiry on XXXX related to a Missouri multifamily investment loana legitimate, planned business endeavor. 

These drastic limit reductions and actions spiked my utilization overnight, making me look reckless because I was simply using the credit to run my business. Also, they severely disrupted my XXXX XXXX XXXX  ; halting sample orders for new product lines and inventory restocks, straining vendor relationships. I had critical business services-XXXX  ( domain hosting and website services ) and XXXX ( XXXX seller tools ) -on autopay with this account. Chase 's decision created a risk of failed payments for these essential tools. 

As a woman and XXXXowned small business under XXXX XXXX, I rely on stable credit. 

I spoke with XXXX, requested limit reinstatements based on the facts ( no serious late payments, autopay in place, legitimate business loan ), and was outright denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am a XXXX XXXX in the XXXX XXXX XXXX who is receiving XXXX XXXX  repayment as part of my contract. I was back paid for XXXX in XX/XX/year> which the XXXX paid two checks to the loan servicer Mohela and only one was posted in the amount of {$4300.00}. I have since reached out multiple times since XXXX to get an answer if the check totaling {$6700.00} was cashed or missing. There is no traction on the loan servicer and no information to date, the representatives keep escalating to management and I have a case number but the 60-90 day time frames given have elapsed with no information. Still no one assigned to investigate from what I've gathered. I have provided the check trace from the XXXX to the loan servicer with the check numbers and still no response.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Account PORTFOLIO RECOVERY According to FDCPA 15 U.S.C 1692g I have the right to dispute inaccurate and unverifiable information reflecting credit report. Requesting original signed contract bearing my signature to debt. Copies of any agreements, contacts and proof that your company is licensed to collect debt in my state. Detailed explanation of how debt was calculated. Copy of payment history. Name and address of original creditor and proof of collection authorization. 

I request that this verification be provided to me within 30 days from the date of this letter. Until such time, all collection activity must cease and desist, including reporting to credit bureaus regarding this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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 requestin infomation be removd from my file. The information to be removed is in this report. The charge on this report was not made by me, and I am a identity theft victim. Remove the items from this report so tht I may repair my credit report. I contacted the Federal Trade Commission regarding this identity theft, and hav includ copies of their Identity Theft Affidavit. Remove the items 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXXSC 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
In XX/XX/XXXX, I became deeply concerned when I discovered that someone has been using my name to open fraudulent accounts and credit inquiries without my permission. These accounts are not mine, and I never authorized them at any point. I am very worried because this is clearly a case of identity theft, and I urgently ask for your help to investigate and resolve this situation as soon as possible. I demand that you carry out an investigation and take immediate action to REMOVE and BLOCK these fraudulent accounts and credit inquiries from my credit report. These are the 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 These items are causing me serious personal, emotional and financial harm. I expect an immediate investigation, written confirmation of removal and no further damage to my credit.

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 2025-06-21 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: FL

Complaint narrative:
In XX/XX/XXXX, I became deeply concerned when I discovered that someone has been using my name to open fraudulent accounts and credit inquiries without my permission. These accounts are not mine, and I never authorized them at any point. I am very worried because this is clearly a case of identity theft, and I urgently ask for your help to investigate and resolve this situation as soon as possible. I demand that you carry out an investigation and take immediate action to REMOVE and BLOCK these fraudulent accounts and credit inquiries from my credit report. These are the 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 These items are causing me serious personal, emotional and financial harm. I expect an immediate investigation, written confirmation of removal and no further damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  According to FDCPA 15 U.S.C 1692g I have the right to dispute inaccurate and unverifiable information reflecting credit report. Requesting original signed contract bearing my signature to debt. Copies of any agreements, contacts and proof that your company is licensed to collect debt in my state. Detailed explanation of how debt was calculated. I request that this verification be provided to me within 30 days from the date of this letter. Until such time, all collection activity must cease and desist, including reporting to credit bureaus regarding this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian And Equifax remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL

Complaint narrative:
I am filing this complaint because there are inaccurate and unauthorized credit inquiries appearing on my credit report that I did not initiate or approve. These inquiries are negatively impacting my credit score, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for any credit pull. 

I previously submitted a dispute to the credit bureau ( XXXX ) regarding these inquiries, but they have failed to remove or properly investigate them. The companies that made the inquiries have not provided any proof that I authorized the pulls or had any business relationship with them. 

Here are the unauthorized inquiries I am disputing : Start Auto Finance - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX Finance - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Credit Report Inaccuracy Failure to Mark Account as Disputed and Unauthorized Inquiries I, XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau to report the continued reporting of inaccurate, incomplete, and unverified information on my credit file, despite having submitted a dispute over 35 days ago. 

After reviewing my credit report, I found several issues which I previously disputed with both the debt collector and the credit bureau. Unfortunately, no corrective action has been taken. In particular, the following violations are evident : The disputed account is still not marked as in dispute, despite my timely and direct notice. 

Several hard inquiries were made without my authorization and remain improperly listed. 

Personal information on file is incorrect and has not been updated or removed. 

Violations Cited : 15 U.S. Code 1681s2 ( a ) ( 3 ) : Requires furnishers to report an account as disputed once notified by a consumer.

15 U.S. Code 1692e ( 8 ) : Prohibits the communication of credit information that is known to be disputed without proper disclosure.

Despite clear documentation and notification, the account remains unmarked as disputed, and the unauthorized inquiries and erroneous personal information persist on my credit file. This noncompliance reflects negligent and potentially willful violations of both the FCRA and FDCPA.

Disputed Items : Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX, OH XXXX Unauthorized Hard Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( duplicate ) XXXX XXXX XXXX  Account Disputes : Charge Off XXXX XXXX XXXX, Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX, Account No . XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included documentation of my original dispute and a copy of my current credit report, which clearly shows that the charge-off account is still not marked as disputed, as required by law. 

This ongoing misreporting is harming my creditworthiness and could negatively impact my ability to obtain housing, employment, or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I hope this message finds you well. I am writing to request a formal review of my mortgage file due to several concerns regarding past loan modifications and the terms that followed. 

On XX/XX/XXXX, the property was refinanced. Later, in XX/XX/XXXX, the mortgage was modified through XXXX XXXX XXXXXXXX. In XXXX, I requested payment assistance from the loan servicer, Select Portfolio Servicing ( SPS ), due to financial hardship.

However, I have observed that the agreement made by SPS at that time did not appear to comply with RESPA regulations. The terms imposed an excessively high interest rate over a short period and included a balloon payment, which has placed a significant financial burden on me. As a result, I am currently struggling to meet the required monthly payments due to these inflated terms.

Given the circumstances, I respectfully request a thorough review of this file to ensure all regulations were followed and that the terms applied are fair and lawful.

Thank you very much for your attention and support on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently noticed accounts on my credit report that I have no knowledge of. I never gave consent for these accounts to be opened, and I am not responsible for any associated activity. These entries must be removed. In compliance with 15 U.S. Code 1681g, I am requesting their deletion within XXXX  days. Enclosed are the necessary documents to validate this dispute.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute multiple accounts on my credit report that I did not authorize or open. These accounts are not mine and were added without my consent. This is a serious error that needs immediate attention. In accordance with 15 U.S. Code 1681g, I request the deletion of these entries within XXXX  days. Attached are documents that confirm my identity and support this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized accounts have appeared on my credit report, and I can confirm that I had no part in opening or authorizing them. I strongly suspect identity theft, and I request that these accounts be deleted from my file immediately. In compliance with 15 U.S. Code 1681g, I request their removal within 15 days. Supporting documentation is included to assist with the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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 want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial stability and personal well-being, adding undue stress during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX 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