vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
There has been communication over the past eight months after the student loan servicer breached our contract for a forebearance agreement. This is the situation that was sent to servicer on XX/XX/XXXX. 
Thank you for your response dated XX/XX/XXXX to my letter about my SoFi student loan account number XXXX. 
First, I appreciate the letter ; however, it fails to address the issue at hand. The letter says that that I was pre-qualified however, that is incorrect I was told by the SoFi representative that I was approved on XX/XX/XXXX. Legally, a contract is formed when there is a peppercorn of consideration by both parties. Your records will show that I logged into the SoFi system as instructed by the SoFi representative on XX/XX/XXXX to confirm the details of the extension of forbearance. In this case the consideration was formed between myself and SoFi when the representative said that I was approved to continue the existing forbearance that my account had been placed on ; and said I would need to make a full payment of {$720.00} because I had not called on XX/XX/XXXX. I paid the amount of {$720.00} for the months of XXXX and XXXX ( forgot to turn off auto-pay ). Then in XXXX started the forbearance amount of {$200.00}. 
SoFi financial institution entered into a contract with me on XX/XX/XXXX for one year that I will pay the interest only payment which is {$180.00}. This needs to be reflected on SoFis system. 
Second, I would like to address why there wasnt a payment made in XXXX and XXXX. There was an error that happened with my bank when they transitioned to a new bill pay system in late XXXX. I didnt know that the payments had stopped after the XXXX payment. I have reinstated monthly payments of {$200.00} through XX/XX/XXXX ( attachment provided of bank bill pay ). I hope to reinstate full payments of {$720.00} prior to XX/XX/XXXX, but this will depend on income. 
In Closing, I am asking that you correct the error in your system regarding the forbearance. If we are not able to resolve this manner I will be filing a compliant the Department of Financial Protection and Innovation. 
I have exceptional pay history prior to XX/XX/XXXX. I have talked with SoFi representatives multiple times trying to find alternatives and I have been told that I could apply for a refinance option through SoFi and when I inquired was told that wasnt available to me. It is suspicious how your organization is failing to honor its arrangements and defer to other options which are not available. I do not have any other options other than a forbearance because my income has been reduced. This is the definition of a hardship.

SoFi will you please correct your records to reflect the contractual arrangement for a forbearance as this is the only option available to me. It is my goal to pay off the full loan in the fastest manner possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Guild Holdings Company
State: CA

Complaint narrative:
We made a mortgage payment on our loan with Guild Mortgage loan # XXXX in the amount of {$3800.00} by certified funds, paid additional fees to get this payment to them as well as paid the amount that their collection represented advised us to send in Guild did not accept the payment and stated they returned the funds, however the funds have not been returned nor posted to the payment the money is in limbo and now they are requesting additional payments to be made on top of the already sent payment. The loan is not in foreclosure status just late payment and they are refusing to accept even one payment and forcing a further hardship on us, this is unfair collections practice causing further unnecessary hardship upon us, as well as causing us to pay additional fees to send in certified funds, and now they lost the funds and money is not posted to payment nor has been returned to us. Guild representative specifically told me we could make 1 payment in the amount of XXXX which we did and not they are refusing this requesting two payments causing additional hardships. this is not a HUD FHA requirement and they are not working towards resolving the hardship but only causing further hardships and jeopardizing the loan to go further behind by not accepting our payments as well as now losing the funds. I want all negative reporting from Guild to be removed and reimbursement for all additional fees we had to in dure to make the payment as well as post my payment to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/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 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX XX/XX/XXXX am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : Failure to Comply with Fair Credit Reporting Act ( FCRA ) in Investigating Disputes. Violations of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. To make matters worse, l have learned about the recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ), which highlights that Experian has a documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. XXXX XXXX # XXXX XX/XX/XXXX I sent a letter disputing XXXX XXXX EXPERIAN responded with lack of efforts to remove that account which brought me distressXX/XX/XXXXXXXX # XXXX XX/XX/XXXX. I sent a letter disputing XX/XX/XXXXEXPERIAN responded with lack of efforts to remove that account which brought me distress.XX/XX/XXXXXXXX # XXXX XX/XX/XXXX I sent a letter disputing XX/XX/XXXXXXXX. EXPERIAN responded with lack of efforts to remove that account which brought me distress. As a result of Experian 's non-compliance : * My credit score remains inaccurate, affecting my ability to get a loan as well and a House in the future. * I have been subjected to undue stress and financial hardship. Furthermore, I request that these collection accounts be removed from my credit account due to noncompliance of15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I request that the account accountsXX/XX/XXXX AND XXXX XXXX AND XXXX XXXX ACCOUNT to Be removed from my credit report within 15 to 30 days.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Removal of Fraudulent Addresses from Credit Report To Whom It May Concern, I am formally requesting the removal of all incorrect and fraudulent addresses from my credit report. The only addresses that should be associated with my file are : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are fraudulent and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, remove any other addresses besides my two correct addresses listed above. Any address that does not match my current or previous residence is inaccurate and should not be on my credit report. 

Please update my file accordingly and provide written confirmation once these changes have been made. If any additional information is required, please notify me promptly. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Removal of Fraudulent Addresses from Credit Report To Whom It May Concern, I am formally requesting the removal of all incorrect and fraudulent addresses from my credit report. The only addresses that should be associated with my file are : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are fraudulent and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, remove any other addresses besides my two correct addresses listed above. Any address that does not match my current or previous residence is inaccurate and should not be on my credit report. 

Please update my file accordingly and provide written confirmation once these changes have been made. If any additional information is required, please notify me promptly. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: VA

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. Among other inaccurate factors. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the accounts/Inquiries below be removed immediately per my instructions enclosed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting by Credit Bureaus Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccurate credit reporting by the major credit bureausspecifically, Experian, Equifax, and TransUnion. I have noticed discrepancies in my credit report, and despite my efforts to dispute the errors, these inaccuracies remain unresolved. 

Here are the details of my situation : Full Name : XXXX XXXX XXXX of BirthXXXX Social Security Number ( last four digits ) : XXXX Account ( s ) Affected : XXXX XXXX Account number XXXX XXXX Account number XXXX The inaccurate information includes : 1. XXXX XXXX account is reported as a settled for less on the experian report while also being reported as a settled for less was a charge off on transunion. i contacted XXXX XXXX and they provided evidence that this account paid and settled and should be showing settled not charge off. These inconsistencies and inaccuracies in reporting are violating the guidelines for credit reporting and should be deleted off my credit reports 2. XXXX XXXX account that is reported as a charge off but I was never given a 1099c which is required by the law, I contacted the bank to provide the 1099C on a phone call but all in vein. I have since disputed these discrepancies with the credit bureaus involved, but the incorrect entries remain on my report.

The inaccurate reporting is affecting my credit score, which in turn negatively impacts my ability to apply for a loan, credit card, mortgage, etc., and I am concerned about the long-term consequences on my financial health.

I respectfully request that the CFPB investigate this matter and assist in ensuring that the credit bureaus correct these inaccuracies and adhere to the Fair Credit Reporting Act ( FCRA ). The inaccurate reporting violates my rights under the FCRA, and I seek prompt action to resolve these issues.

Attached are copies of the relevant documents, including my credit report, dispute correspondence, and any supporting documentation I have provided to the credit bureaus.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. If you require any further information from me, please feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Follow-Up Dispute of Inaccurate Bankruptcy Reporting To Whom It May Concern, I am writing to follow up on my previous dispute regarding the inaccurate reporting of bankruptcies on my credit report. I previously submitted a dispute, along with an official letter from the United States Bankruptcy Court for the XXXX XXXX of Michigan, which explicitly states that they do not report individual bankruptcy filings to credit bureaus. Despite this, my dispute was denied, and the inaccurate bankruptcy remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
Follow-Up Dispute of Inaccurate Bankruptcy Reporting To Whom It May Concern, I am writing to follow up on my previous dispute regarding the inaccurate reporting of bankruptcies on my credit report. I previously submitted a dispute, along with an official letter from the United States Bankruptcy Court for the XXXX XXXX of Michigan, which explicitly states that they do not report individual bankruptcy filings to credit bureaus. Despite this, my dispute was denied, and the inaccurate bankruptcy remains on my report.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I created a Cash App account, and without warning, it was immediately closed for no stated reason. When I attempted to open a new account, I was falsely informed that my device was involved in a policy violationan allegation I strongly deny. 

I have never violated any terms, yet Cash App refuses to provide a specific reason or evidence for this wrongful account closure. Despite multiple escalations, including complaints to CFPB, FTC, and XXXX Cash App has only responded with vague, automated replies that do not address my concerns. 

I have repeatedly requested : A clear, detailed explanation of why my account was closed. 
Proof or documentation of any alleged violations. 
A fair opportunity to dispute this decision and reinstate my account. 
Instead of properly addressing my concerns, Cash App closed my case without resolution and continues to deny me access to their platform. This wrongful restriction has caused financial harm and disrupted my ability to conduct business. 

I am requesting immediate action to review this case thoroughly, provide a specific justification for the account closure, and remove the unfair device ban so I can access the services I rightfully deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
I have a collection account on my credit reports that isn't mine. I also have many hard pull inquires that were not authorized by 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
There are 3 different credit cards that were opened and XXXX out during my time XX/XX/XXXXwith XX/XX/XXXXXXXX XXXX. I was arrested XX/XX/XXXX and released XX/XX/XXXX the credit cards Im disputing were due to identity theft. Their is a XX/XX/XXXXXXXX XXXX, and a XX/XX/XXXX XXXX opened after my date of incarceration and maxed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I am filing a complaint against Robinhood for their egregious mishandling of my account, leading to financial loss and immense frustration.

After a period of inactivity, Robinhood imposed so called " robust security measures, '' requiring me to verify my identity. I complied fully, providing every piece of documentation they requested. Despite this, after weeks of back-and-forth and wasted time, they unilaterally decided to close my account. As a senior retiree on a fixed income, I am not even sure if I will ever see my hard earned money again.

Instead of facilitating a proper withdrawal, Robinhood has taken the outrageous step of subjecting my funds to escheatment, essentially holding them hostage. This is despite my repeated efforts to cooperate and provide updated banking details. When they attempted to send my funds to a long-closed account, I followed their instructions and obtained a bank statement proving the account was no longer active. I also provided a recent statement from my current, valid checking account at XXXX. Yet, Robinhood still refused to add my new account and continues to block access to my funds.

To make matters worse, they liquidated all of my investment positions without my consent, causing a significant financial setback. Their process is not only inefficient but entirely unreasonable, demonstrating a complete lack of competence and accountability in handling customer assets.

I urge the CFPB to take immediate action to investigate Robinhoods handling of this matter. Their actions are unacceptable, and I fear that if they are allowed to continue these practices, many other customers will face similar financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MD

Complaint narrative:
A big portion of my student loans were forgiven because of public service. XXXX XXXX and XXXX XXXX worth of debt is reporting on all of my credit reports and this needs to be removed immediately. I have reached out to the credit bureaus before. I am adding a copy of my PSLF forgiveness letter, SS, driver 's license and credit report. Once this has been removed this update me letting me know this has been updated.

Company response to consumer: Closed with non-monetary relief