vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: OK

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-23 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: AZ

Complaint narrative:
XXXX : In repayment on federal loans, various statuses over time. 

XX/XX/XXXX : Submitted application for Income-Driven Repayment ( IDR ) plan. At the time of application, I was informed that payment counts would be automatically recalculated under the IDR adjustment and that I would be contacted if I qualified for forgiveness. No further action was said to be required on my part. 

StudentAid.gov dashboard displayed 325 qualifying payments / 0 remaining, indicating that the IDR forgiveness threshold had been met. I retained a screenshot. 

Despite reaching required payment count, loans were not forgiven. No explanation was provided. 

MOHELA placed account into administrative forbearance, citing the federal injunction blocking SAVE plan processing. 

Forbearance lifted without forgiveness or resolution ; borrower marked past due and was required to pay despite having met forgiveness criteria. Loan was unilaterally changed from IDR to ICR, with no explanation or approval. 

On XXXX, XXXX, XXXX I paid the outstanding billed amount under duress to avoid default, further harm to my credit, while continuing to seek answers. 

During this period, my credit was severely harmed due to reporting of missed payments, despite my multiple requests for escalation and resolution. 

Since XXXX, I have submitted multiple requests for clarification and escalation ; issue remains unresolved as of submission of this timeline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
XXXX XXXX is reporting XXXX charged-off credit card accounts on my credit file : The first account was opened in XX/XX/XXXX and shows a charge-off balance of {$7300.00}. The second account was opened in XX/XX/XXXX and shows a charge-off balance of {$18000.00}. Both accounts are reporting as " Derogatory '' status across the credit bureaus. 
I dispute the accuracy of these charge-off accounts. I have requested verification including : original signed credit card agreements, complete billing statements showing how the balances were calculated, proof of proper notification before the accounts were charged off as required by the original card agreements, accurate Date of First Delinquency ( DOFD ) documentation, and verification that reporting complies with XXXX XXXX format standards. 
XXXX XXXX has failed to provide this documentation. The balances may contain inaccurate information including improperly assessed fees, incorrect interest calculations, or charges that were previously disputed. Without proper verification and documentation supporting these charge-offs, the accounts should not be reported on my credit file. 
These unverified charge-off accounts are severely damaging my credit score and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This account is reporting inaccurate information. The account shows it was closed on XX/XX/year>, yet my last payment was made on XX/XX/year>. An account can not be closed prior to final payment. Additionally, the payment status reflects No Info, which is inaccurate. Please investigate and either correct all inaccurate data or remove this account entirely per the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
To Whom This May Concern, I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information, I will review and respond within the XXXX period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name, then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
The CB/VICSCRT account is being reported inaccurately as a collection. This account was paid in full and has a XXXX balance. It should not be reported as a collection or negative account. The reporting is misleading and does not accurately reflect the true status of the account. I have already disputed this information with the credit bureaus and contacted the creditor, but the account continues to show as a collection despite being paid and closed with a XXXX balance. This violates the Fair Credit Reporting Act, which requires furnishers to report complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: TX

Complaint narrative:
Possible Finance continues to report to collect agencies this account that was formed due to identity theft. I submitted multiple documents including police reports and identity theft affidavits and they have refused to remove this item from my credit report permanently. As a result, I have been denied credit and my name/character has been defamed. I have filed a federal lawsuit in which this company should be served already against Possible Finance and all credit bureaus that continue to report this erroneous account.

They have not validated and can not prove I opened this account and ignored the following letter that was mailed to their company demanding validation of debt.

Possible Finance , Inc. 
XXXX XXXX XXXX XXXX, WA XXXX RE : FORMAL DEBT VALIDATION DEMAND 15 U.S.C. 1692g ( b ) This letter serves as my formal dispute of the alleged account you claim I owe and a demand for full debt validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). 

I. LEGAL STANDARD FOR VALIDATION Courts require meaningful evidence : XXXX XXXX XXXXXXXX XXXX validation must be meaningful. 
XXXX XXXX XXXXXXXX must provide underlying account records. 
XXXX XXXX XXXXXXXX must explain calculation of balance. 
XXXX XXXX XXXX must produce original contract. 

XXXX. REQUIRED DOCUMENTATION 1. Original wet-ink signed contract. 
Required by XXXX XXXX XXXX. 
XXXX. Complete account statements and payment history. 
Required by XXXX v. XXXX. 
XXXX. Full chain of title showing ownership. 
Required by XXXX XXXX XXXX and XXXX. 
XXXX. Records of insurance claims, charge-offs, tax write-offs. 
Required by XXXX XXXX XXXXXXXX. 
XXXX. Bonding and surety information for compliance. 

XXXX. IDENTITY-THEFT RELATED OBLIGATIONS Under XXXX XXXX XXXX , unauthorized reporting constitutes concrete harm and requires blocking unverifiable data. 

IV. METHOD OF VERIFICATION You must disclose who verified the account, what documents were reviewed, and the verification procedures used. Required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

V. CEASE COLLECTION PENDING VALIDATION You must cease all collection and reporting activity until full validation is provided per 15 U.S.C. 1692g ( b ). 

VI. NOTICE OF RIGHTS & REMEDIES Failure to comply will result in complaints to CFPB, FTC, the State Attorney General, and civil action seeking statutory damages under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I obtained a mortgage loan with an original amount of approximately {$560000.00}. LoanCare LLC serviced this loan at some point during its history. 
LoanCare is currently reporting a mortgage tradeline on my credit file showing " Late 30 Days '' payment status. However, the account shows a {$0.00} balance while still being listed as " Open '' with derogatory payment history. This is inconsistent and inaccurate reporting. 
The {$0.00} balance indicates the loan has been paid off, transferred to another servicer, or otherwise satisfied. Yet LoanCare continues to report derogatory late payment information. This appears to be a servicing error, likely related to a loan transfer between mortgage servicers where payment information was not properly communicated or applied. 
I have disputed this late payment notation and requested verification including : the specific payment due date allegedly missed, the date payment was actually received, proof of RESPA-required notices sent prior to reporting, and an explanation of why a {$0.00} balance account continues to report as " Open '' with derogatory history.

To date, no adequate verification or explanation has been provided. This inaccurate reporting is severely damaging my credit score.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not claiming identity theft ; this is a factual dispute regarding the accuracy of several accounts on my credit report. I have been disputing the following items with Experian for well over XXXX months : XXXX XXXX ( XXXX ) Late Payment ( {$0.00}, In-Dispute ) XXXX XXXX XXXX XXXX ) Charge-off ( {$460.00}, In-Dispute ) XXXX XXXX XXXX XXXX XXXX XXXX Charge-off ( {$730.00}, In-Dispute ) XXXX XXXX XXXXXXXX ) Included in Bankruptcy ( {$0.00}, In-Dispute ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) Bankruptcy ( {$0.00} XXXX In-Dispute ) Despite multiple disputes and communications, Experian continues to report these items as accurate or will not change, without providing proper verification or supporting documentation as required under FCRA 611 ( a ) ( 1 ) ( A ), 623 ( a ), and Metro 2 standards. There are also discrepancies across all three credit bureaus, which indicate a failure to ensure maximum possible accuracy ( FCRA 607 ( b ) ). Experian has been involved in multiple data breaches and lawsuits, demonstrating a pattern of noncompliance and reckless disregard for consumer protection. I request immediate verification of each disputed item with proper documentation, including official account statements, court filings for bankruptcy, and proof of balances for charge-offs. If verification can not be provided, I demand that all negative items be removed from my credit report. I am prepared to pursue legal action if this complaint is closed without proper resolution.

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 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I applied for a {$40000.00} personal loan with SoFi Bank. During the underwriting process, SoFi repeatedly requested that I verify my identity by uploading identification documents. Over the course of this process, I re-uploaded my Social Security card and drivers license approximately XXXX to XXXX times in response to automated email requests. 

Despite my repeated compliance, SoFi never disclosed that the underlying issue was a discrepancy between the Social Security number entered in the application and the Social Security card I uploaded. Because this mismatch could not be resolved through document uploads alone, the application was effectively unresolvable, yet SoFi continued to request documents without explaining the true cause of the problem or escalating the matter to a human reviewer. 

On XX/XX/year>, I received a formal adverse action notice stating that my application was denied due to unable to verify identity. The letter also showed a credit score of XXXX at the time of the decision. Following this denial and hard credit inquiry, my credit score subsequently dropped to approximately XXXX. 

After the denial, I contacted XXXX by phone and was sent a secure link that allowed me to upload photos of my drivers license and Social Security card in real time, which successfully resolved the identity verification issue. I was then advised to submit a new application and was told that reapplying within 30 days would not result in an additional hard credit inquiry. 

When I reapplied, I was no longer offered any direct SoFi loan products. Instead, I was presented only with partner-lender options, such as XXXX XXXX, with APRs starting around XXXX %, approximately double the original SoFi APR of about XXXX XXXX that had been offered previously. Additionally, my information appears to have been shared with other lenders, as I began receiving unsolicited credit offers shortly thereafter. 

I was also informed via SoFi chat support that a phone call allegedly took place on XX/XX/year> at approximately XXXX XXXX XXXX  XXXX to verify my identity, with notes stating that the member was contacted and the call ended. This call did not occur. My phone records show no incoming or missed calls at that time. This raises concerns about inaccurate internal records and the absence of meaningful human review during the process. 

As a result of SoFis failure to clearly disclose the actual identity verification issue, provide timely human escalation, or pause automated document requests, I experienced a loan denial unrelated to creditworthiness, loss of access to a significantly lower XXXX loan, dissemination of my application to higher-cost lenders, and measurable credit harm from a hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime is in direct violation of my rights under the Consumer Fraud Act, I was a victim of identity theft I disputed a plethora of items and raised concerns of suspicious activity, and instead of actual investigations, chime retaliated against me by closing my accounts and refusing to credit me during the dispute process or even attempt to dispute the fraudulent activity. They also reported inaccurate information on my credit report associated with this account. 

When I disputed the decision and requested reactivation they denied me stating I violated the consumer agreement when opening the account, when I simply engaged in a protected activity. 

My information was exposed, I was a victim of identity theft, and my Funds from my Chime account were stollen and never retrieved. I can not itemize them ( transaction history ) because I no longer have access to the account or online statements to calculate damages. 

I am still being treated as a criminal and not a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capitol one credit card Request for Debt Validation Account : XXXX To Whom It May Concern, I am writing to request full validation of the alleged debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. Proof that I am legally responsible for this debt, including : - Name of the original creditor- Original account number- Date and amount of the alleged debt- Complete account history ( charges, credits, interest, and payments ) 2. Proof that CAPITOL ONE, XXXX  is authorized to collect this debt, including : - Documentation showing assignment, transfer, or purchase of the debt- Your company 's collection license ( s ) and the states in which you are authorized to collect 3. A copy of the original signed contract or agreement showing my obligation to pay.

Until validation is provided : - Cease all collection activity, including calls and written communication.- Do not report this debt to any credit bureau . If the debt has already been reported, please notify the bureaus that the debt is disputed.

Please send the requested documentation to the address listed above. 
Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My wells fargo checking account had required a balance of {$300.00} to avoid the monthly {$5.00} service charge. I got my statement today and saw they took {$10.00} out on XX/XX/year> even though I had met the requirements. I called them and they said on the late statement- on the bottom in small print ( Go figure ) they had changed the terms to {$1500.00} balance or they take out {$10.00}. So even though I now begrudgingly transferred the money they will be stealing {$10.00} again from me this month. This whole situation- them changing the terms ie balance XXXX and fee XXXX is extremely deceptive and honestly they deserve a class action lawsuit. Its not about the money its about sneaking the terms in. They should be ashamed of themselves. I called them and they weren't helpful at all.

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