vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Finance System of Richmond, Inc.
State: MA

Complaint narrative:
I gave my social security number to a fake website XXXX XXXX XXXX XXXX I contacted my actual debt collector and realized the website I entered my social to was fake. I sent the website link in the original email and it was ignored that the website was fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
SoFi has repeatedly denied me a hardship plan despite my clear attempts to avoid default. I spent over XXXX hours on the phone, begging for a temporary reduced payment or interest-only option. I'm not asking for loan forgiveness, just breathing room. I want to pay what I owe, and I cant right now. Its as simple as that. I'm working my tail off trying to get back on my feet. I just need more time. 

SoFis process is completely broken. If your income is too low, they deny you for being unqualified. If its too high, they deny you for not needing help. Theres no acceptable answer, no flexibility, no human judgment. Just a rigid algorithm, a useless script, and absolutely XXXX compassion. 

SoFi doesn't even seem to have a real hardship program. If you dont match their narrow multiple-choice survey ( which I dont ), there are no other options. No one cares. No one helps. 

This is completely ridiculous. By offering assistance, SoFi would make more money in the long run through extended interest. But instead, theyd rather push borrowers toward default than work with them in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
I am requesting the prompt removal of this late payment from my account, as it inaccurately represents my payment history. I have consistently made timely payments, and this error is unjust. I kindly ask that my account be updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My account was closed without notice leaving me and my family stranded on a trip with NO access to money or funds. I called usaa to see why my account was not working. I was told my account was to be closed for using it as a buisness account. This is my personal account and not a buisness account. I received no warning prior to my account being closed. Usaa states they sent notice to my adress and digital inbox in XXXX. This is not true and I have in writing the usaa rep did not see any communication regarding closing account. This has caused much added stress. That's the only money I have in that account and I can't get to it? Bills have returned unpaid, my mortgage has returned unpaid and im thing about taking legal action honestly. If usaa can give me the money I have in the account by Monday I wont take legal action.

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 2025-09-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I got a loan XXXX of last year for the home. My wife left me as soon as we moved in. I lost my job. The mortgage company sold the loan I didn't know where to make payments. Now I am about to be a homeless veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
I made a payment in the amount of {$400.00} to my Mohela Direct Parent PLUS loans on XX/XX/XXXX. This payment has still not been credited to my account. I have emailed Mohela Payment Processing on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Several times I have sent Mohela a copy of the bank statement on which this payment appears, a screenshot of the biller details from my bank 's billpay app, and a screenshot of the payment confirmation from my bank 's billpay app. Mohela responded to my most recent email saying, " There is an open request to research the missing payment '' and " Please allow time for processing as tasks are worked in the order they are received. '' However, the payment was made over XXXX months ago.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A late payment has been incorrectly reported on my credit file. My records confirm that all payments were made on time. The reported delinquency is therefore inaccurate and misleading.

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 2025-09-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Chelseamac, LLC dba Briteside Solutions
State: VA

Complaint narrative:
I paid XXXX XXXX ( XXXX - XXXX Team, Account XXXX, P : XXXX F : XXXX ) a monthly fee for 24 months to help fix my credit. XXXX stated that if I was here customer, then all debt would be fully disputed and if any of them ( ceditors ) contacted me I would get {$1000.00} as they violated the fully disputed accounts. Every month that I spoke to XXXX she state " all the accounts in your program are fully disputed, yet XXXX took me to court and sued me, XXXX is in the process of doing the same. When I made my last monthly payment, XXXX stated that my program pays for an attorney on all the accounts and they will go to court for me. As of XX/XX/year>, when I reach out to XXXX I don't get a response. I want a copy of my agreement. She stated all documents that I have access to are in the portal. My access to the portal is gone and the creditor in her program are coming to sue me XXXX years or more later. At first, she got over XXXX a month for this service of credit repair. She laughed at me a few months ago and stated I couldn't even pay my monthly payments before her help. I was scammed out of money I should have paid to the collections however, the promise of thousands of dollars made the program seem beneficial since I was getting collections calls daily and on the weekend and at night from multiple agencies. I feel like what was promised was not produced and now that they wont take my calls or give me access to very important documents that I will need for upcoming court dates is a violation. XXXX promise that if I need attorneys after the program was paid, just to give her a call and she will give me my resources. I have called and email since my most recent creditor is suing me and i have been ignored and denied. Milestone, XXXX and XXXX are coming after me in the courts for debts and I cant get any of my help, resources, or documents from XXXX XXXX. XXXX XXXX owes me the fees paid for service and it needs to be returned since the creditor is suing me.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Arvest Bank has charged me XXXX times and XXXX over the course of XXXX XXXX and XXXX in overdraft fees. I never imagined the fees stacking up to this extent and before I knew it I was buried and in a serious financial hardship. My husband and I work full time raising XXXX kids in an economy thats not on our side just trying to make ends meet. Now this mountain is impossible to climb out of and seems extremely excessive on XXXX end. I attempted to work with my local banks team to get this resolved and find a solution and help was little to nothing. Including me following up for XXXX consecutive days to get some answers. I kindly asked for some grace in the situation since I have been a loyal customer since I had a family and enough money to even put in a bank. 
I fully take responsibility on my end and understand that they have a policy to follow, but I also know that someone could have helped.. The sincerity has been little to non and the hardship and stress this had added to my family is immeasurable. 


Dates I spoke to an XXXX employee 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 2025-09-04 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 have been a Victim of identity theft in the past and there are Fraudulent accounts on my credit reports. XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1Someone opened a XXXX XXXX XXXX, a Chase credit card in my name and attempted to transfer the balance {$6800.00} from another card ( not mine ) to this new account on XX/XX/year>. Chase sent me this new card and a letter saying they could only transfer {$3800.00} to this new card. I became aware of this on XX/XX/year>, called Chase and reported the fraud. They cancelled the card and said they would send me a copy of the fraud report. 
2Someone applied for a XXXX XXXX credit card in my name on XX/XX/year>. I received a letter from XXXX XXXX on XX/XX/year> saying they needed more identity information. I called them on XX/XX/year> to report the fraud. They said they would send me a copy of the fraud report. 

I contacted all XXXX credit bureaus froze my credit, and initiated a fraud alert. Also XXXX to freeze bank account applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: NH

Complaint narrative:
I have called XXXX times to direct express to activate my card and no one ever answers the phone All my money is on this card and I really need it to get my medication so I dont die. But no one will answer ever I have hours and hours invested in trying to get my card just activated. I just need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC
State: NY

Complaint narrative:
This company has been reaching out to people I no longer speak with and have a good relationship with informing me that they are going to proceed with suing me for a debt that was outstanding with XXXX XXXX ( a leasing agency ) through XXXX for items that I returned to XXXX and was informed that they would proceed with processing my return with the leasing department. At the time I had a receipt that stated the return and was able to walk out under the impression that this was handled it was not until this debt came into collections that I was unaware that the return did not happen all while XXXX was closing alongside they have sold this debt to many debt XXXX and now XXXX Being sued for something that XXXX and the XXXX department kept along with payments I made. 
They also told me on the call that I would have to pay the debt before Monday and if it goes to court I would have to pay the debt plus their legal fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
The website does not work to collect a payment. At the bottom of the page to submit a payment, it has " cancel '' then the next line down is " submit a payment. It won't let you fill in the payment, just only hits the cancel button. So I have called in every payment from the beginning. I told the original rep that I needed my pay date to be on the XXXX of the month. I also said I didn't want it on autopay. She said no problem. The next month ( XXXX ) when I log into see by balance, it says it's overdue and has a late fee. I call about that, rep says she fixed it. The following month, same thing. Rep says she fixed it. 
Last month I called in my payment on the XXXX, I verified it all again with her. I made the online payment, then the next day, it auto deducted the payment anyway. I had to contact an attorney and threaten them for refunding the double payment. That took XXXX days!! I needed that money for other things! 
Today I logged into my account, and it shows the payment as late, with a late fee. Says it was supposed to be paid mid-month last month. 
I called and the rep said that because I switched from bi-weekly it wouldn't take effect until the next billing cycle. I never signed up for bi-weekly!! None of the other months showed bi-weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: OK

Complaint narrative:
Debt card was stolen in which case they credited my account according to the screen then they won't release it And they closed my account punishing me for someone stealing my money and then they stole it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I did not authorize the opening of this account, and yet they are refusing to close it. They are requesting a police report, despite the fact that there have been no deposits or any activity on the account.so they can close and account that its close with money own that I dont own

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I was the victim of a scam in which fraudsters impersonated Wells Fargo support and tricked me into sending {$1000.00} through XXXX. I believed I was recovering my stolen funds. This was not an intentional purchase or transfer. I reported the incident immediately and filed a police report with XXXX Police ( case # XXXX ). Despite this, my bank has not yet confirmed reimbursement. I am requesting reimbursement under applicable consumer protection standards for fraud involving digital wallets

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I financed a XXXX XXXXXXXX XXXX, and the ally charged me a XXXX % interest rate. Ive made every payment on time and some even a head of time. I went through a scary health problem and wasnt able to do anything for XXXX  months. As soon I was able to comprehend what had happened to me, I realized ally repossessed my car, which was already XXXX  % paid off. Then left derogatory remarks on my credit twice each month for XXXX months AFTER they had the car in their possession. And then contacted me today saying I owe them {$3000.00} or they will send it to collections. I asked them why they needed the rest of the balance since they had the car in their possession along with many of my irreplaceable personal items that were in the vehicle, and they told me they could NOT take off the balance but they were able to reduce it. They offered a settlement of {$2400.00} that they wanted me to pay. This company is ruining my credit and my name and stole my personal belongings and they have the car in their possession! I dont understand how that is legal but it needs to be stopped. If theyre doing it to me, theyre doing it to others as well. The vehicle is XXXX % paid off, ( which is more than the car was and is worth ). They promise and promote on their website and social media platforms that they care and are willing to help people but they are lying!! They are actually hurting more people and stealing their personal possessions with no solutions other than for me to pay them more money for getting my stuff stolen and not taking back the car I paid XXXX % off in their possession.

Company response to consumer: Closed with explanation