vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I received alerts from the SoFi banking via text and a call that indicated someone had accessed my account and was making charges in another state. I called and reported this and asked the charges to be reversed and my account to be locked temporarily.

I later received additional alerts via the app that someone was chatting with customer service. When I got in the app I saw my phone number and other information had been changed and the person had used this access to chat with SoFi support to authorize charges in Florida agin. I am in Massachusetts.

I called a second time, asked agin for my account to be secured. Took over the chat. Changed all my contact information back and ensured my alerts were working. Asked a second time for my account to be secured & locked. 

The next day it was unlocked. I called in they said it was fine and a supervisor would call me at XXXX. 

At XXXX someone called verifying they were from SoFi . My account was simultaneously also being accessed agin. I hung up and re-called. I was told the XXXX call probably wasnt SoFi even though they could see my scheduled call back. And they locked my account agin at my request. I also opened claims for the out of state charges and asked for my account to be locked until an investigation could take place and my account secured. I also had to upload a picture of my id and a selfie ( something that should have been asked after the first report but was only asked for here ) I saw today my disputed funds were returned so I called to see when my account would be unlocked. I was told my account had violated terms of service and I would not receive my money via check for up to XXXX days. 

I asked why as I was the XXXX who reported the fraud. And I was told they cloud not tell me for confidentiality reasons. I asked for my account to be unlocked so I could transfer my funds as I was the one who requested it locked in the first place and was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am responding to your contact about an alleged debt you are trying to collect. You contacted me by [ phone/mail/email ], on XX/XX/year> and identified the alleged debt as ( credit card debt ]. 
Please supply the information below so that I can be fully informed about the alleged debt : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed. 
The name and address of the original creditor and any other names used. 
A copy of the original contract or other agreement. 
The name of any other person that is or was required to pay the alleged debt. 
The amount and age of the debt, including : Provide a copy of the last billing statement sent to me by the original creditor. 
State the amount of the alleged debt when you obtained it. 
State the date when you obtained the alleged debt. 
Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. 
Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. 
Provide an itemization showing any payments since the last billing statement from the original creditor. 
State when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
State when you think the statute of limitations expires for this debt, and how you determined that. 
Details about your authority to collect this debt, including : Provide the number of any license to collect debt in [ insert name of the state where you live ] and the name of the issuing agency. 
Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency. 
Please treat this debt as disputed until you provide the information requested. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
HELOC Amount : {$50000.00} XXXX XXXX XXXX {$2900.00} ( XX/XX/XXXX statement ) I'm currently on XXXX and had issues with my XXXX pay. In XXXX, missed a HELOC payment then every time I call the mortgage company to try to make a payment the mortgage company gives me the run around. I can not get a straight answer on the amount due, wiring instructions and was referred to create an account on the Shellpoint portal to make a payment. I can not get past " the your loan is linked page ''. Same thing when you click on make a payment, there is no option to make one online. They have instructed me not send a payment via mail without a payoff and have been unable to obtain one. They also stated that if I send a payment via mail they will be returning it. There has been a class action lawsuit filed against this company in Pennsylvania and XXXX is full of complaints related to their servicing practices. There was no early engagement by the servicers to explore my options and provide information about loss mitigation programs. In addition, the loan officer that originated my loan has been no help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. He originated my loan and doesn't care that I'm in foreclosure. 

I'm requesting that the CFPB investigate Shellpoint Mortgage illegal servicing practices, or I will find an attorney that will file a class action lawsuit against CFPB for failing to protect consumers and Shellpoint mortgage in violation of 12 U.S.C. 2601 - Real Estate Settlement Procedures Act.

Here is the online portal information so you can see for yourself that this mortgage company is a predatory lender taking advantage of XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld is listed on my XXXX  and XXXX  credit report original debt is for national grid in the amount is {$330.00}. XXXX has been listed on my report in the past with two different debt collectors in which I was able to get both removed from XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX NAME XXXX XXXX XXXX  ACCOUNT TYPE Collection Account DATE OPENED XX/XX/XXXX XXXX XXXX its now XXXX BALANCE {$330.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXX XXXX Account Services Collection Account XX/XX/XXXX now its XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX .TRANSWORLD SYSTEMS I Original creditor SNAPSHOT Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes- reinvestigation in progress Consumer disputes this account information Original creditor name TRANSWORLD SYSTEMS I as you see the first account was XXXX, then XXXX and XXXX this is illegal and the debt was re aged TRANSWORLD SYSTEM INC/ Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
STATUS Submitted to the CFPB on XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I've recently received a copy of my credit report and noticed several accounts and unauthorized account information reporting on my credit report. these remarks have been detrimental to life and credit health. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  View full complaint Sent to company STATUS Sent to company on XX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working STATUS Company response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company.

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 2025-07-16 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:
As part of my regular check, I went over my credit report this morning and was surprised to see discrepancies that hadnt been there before. I attempted to refresh my browser in case it was a glitch, but the inaccurate accounts stayed. Because of this situation, I request that the documents I sent be closely examined so I can finally stop worrying about this 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 non-monetary relief
Consumer complaint received 2025-07-16 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 filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Inquiry 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 2025-07-16 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Inquiry 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 2025-07-16 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:
A collection account that I do not recognize or authorize is being reported under my credit profile. This constitutes a violation of my consumer rights under federal law.

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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Product : Credit card Issue : Fraud or scam I am filing a complaint against Capital One regarding unauthorized card provisioning to XXXX XXXX, which I did not request or approve. 

I am an Android user with a XXXX XXXX phone. I do not have access to XXXX XXXX or any XXXX devices. Yet someone was able to fraudulently add my Capital One card to XXXX XXXX and make attempted transactions. I did not receive any SMS, email, or app notification for verification or approval. 

I called Capital Ones fraud department multiple times and spent over an hour on each call. They were unable or unwilling to explain how the provisioning was approved without my authorization or second-factor authentication. I also confirmed that no unknown devices or login activity appeared in my Capital One app or online banking, meaning my account itself was not accessed.

This suggests a failure on Capital Ones part to verify the card addition securely, possibly through a manual override or by bypassing authentication protocols entirely. They have refused to provide me with any information about how the provisioning occurred, what device was involved, and why I wasnt notified. They also have not issued a written investigation report I am seeking a full explanation from Capital One, including : 1. Whether the card was provisioned through manual approval 2. Whether my contact info was accurate at the time 3. Why I was not notified or prompted to approve the request This is a serious lapse in their fraud prevention and verification practices. I want CFPB assistance in getting proper accountability and resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> {$410.00} XX/XX/year> XXXX I didnt make these transactions, fraudulent transactions

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 monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I did not received required debt validation serving as proof I'm liable to pay this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally dispute a debt that has been reported and to request full validation from the debt collector involved. This request is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Section 611 ).

A debt collector has contacted me regarding an alleged debt and may have reported it to one or more credit reporting agencies. However, I do not acknowledge this debt and have not received proper validation. Therefore, I am requesting : Verification of the debt, including a complete itemization of the amount claimed ( principal, interest, fees ). 

The identity of the original creditor, including their full name and contact details. 

Proof of the debt collector 's authority to collect on the debt ( such as a valid assignment or purchase agreement ). 

A copy of the original signed agreement or contract, if applicable. 

Confirmation of any court judgment, if one exists. 

Furthermore, under Section 611 of the FCRA, I am exercising my right to dispute the accuracy and completeness of the information being reported to any credit bureau. If the information can not be verified within the legal timeframe, it must be removed from my credit report. 

Until this matter is fully resolved and the debt is properly validated, I request that all collection activities be halted, including any further reporting to credit bureaus. 

I appreciate the CFPBs role in holding financial entities accountable and request your assistance in ensuring this matter is handled in accordance with federal law. 

Sincerely, AE

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I am disputing an inaccurately reported late payment on my credit report related to my CONSUMER PORTFOLIO SVC account ending in XXXX. The alleged late payment for XXXX is incorrect and does not reflect my actual payment history. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information and request an investigation by the credit reporting agencies. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information ( i.e., the creditor ) are required to report accurate information and correct any errors once notified. 
I previously disputed this information with the credit bureau ( XXXX ) and the creditor directly, but the issue has not been resolved. I am requesting that this matter be fully investigated in accordance with FCRA 1681i ( a ) and that the inaccurate late payment entry be removed from my credit report. XXXX XXXX XXXX XXXX 
The continued reporting of this inaccurate information is damaging my creditworthiness and violates my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 explanation
Consumer complaint received 2025-07-16 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation