vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Spero Solutions, Inc.
State: SC

Complaint narrative:
My Spero XXXX XXXX account became overdrawn and subsequently incurred approximately {$800.00} in overdraft fees, which I paid down. I then visited the branch, spoke with management, had my debit card locked, and withdrew the remaining funds. I transferred those funds to another bank and redirected my direct deposit to XXXX XXXX Despite these actions, additional unauthorized transactions were processed on the closed account. While Spero eventually stopped the payments, they continued to charge me for the unauthorized transactions as well as the accumulating overdraft fees.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-24 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: MN

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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, un
der Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking 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: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I disputed a {$4300.00} transaction with SoFi Bank related to the purchase of a used vehicle from XXXX XXXX XXXX on XX/XX/year>. Within a week, the car showed multiple issues including engine sensor faults, a failed coolant system ( costing {$1100.00} in repairs ), and other major electrical and engine problems, all documented. 

I submitted the dispute on XX/XX/year>, with full documentation. XXXX initially reviewed it, but then denied my claim based on a merchant response that was late and incomplete. XXXX final decision ignored new evidence I attempted to provide ( XXXX scan from XX/XX/year> showing error code XXXX and wiring/engine issues ) and failed to consider the extent of post-purchase failures that made the vehicle unusable. The seller has been unreachable, and the vehicle is not safe XXXX XXXX. 

XXXX closed the case prematurely, violating XXXX dispute timeframes and disregarding critical consumer protection guidelines. 

I am requesting that this dispute be reopened or reviewed by an independent party, and that my funds be reimbursed as the transaction did not reflect the condition or value of the purchased vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are various mistakes on my credit report all detailed in a letter.. I am exercising my rights under the FCRA to have these mistakes investigated and have the mistakes deleted for inaccurate reporting within the 30 day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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 am writing to formally dispute a fraudulent charge on my credit card account XXXXXXXX XXXX XXXX XXXX XXXX I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent account. 
Date of XXXX Merchant name : XXXX Amount charged : {$0.00} I became aware of this unauthorized application on XX/XX/2023 when reviewing my credit report statement. I have no knowledge of this application and did not authorize anyone to use my credit card for this company XXXX XXXX I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt 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 2025-06-24 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 am writing to formally dispute a fraudulent charge on my credit card account XXXXXXXX XXXX XXXX XXXX XXXX I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent account. 
Date of XXXX Merchant name : XXXX Amount charged : {$0.00} I became aware of this unauthorized application on XX/XX/year> when reviewing my credit report statement. I have no knowledge of this application and did not authorize anyone to use my credit card for this company XXXX XXXX I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ) Dear Experian, I am writing to formally dispute the reporting of the XXXX XXXX XXXXXXXX account on my credit report, as reflected in my recent credit disclosure dated XX/XX/XXXX. This account is being inaccurately reported, and I demand immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 Compliance Guidelines.

Disputed Items : 1. Erroneous Charge-Off & Balance Reporting The account is listed as charged off with a past-due balance of {$270.00}. According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), data furnishers must update account information accurately. If the debt was charged off, the past-due balance should not continue reporting, as it contradicts accounting standards ( GAAP ) and Metro 2 guidelines.

Under Metro 2 guidelines, a charged-off account should have a balance of {$0.00} if sold or forgiven. Please confirm if this debt was sold to a third party and update the status accordingly.

2. Re-aging & Incorrect Delinquency Reporting The payment history indicates continued reporting of CO ( Charge-Off ) from XXXX through XXXX. This is a clear violation of the FCRA ( 15 U.S. Code 1681c ), which prohibits accounts from being reported negatively beyond the statutory XXXX limit. Since the account was last paid on XX/XX/XXXX, the delinquency date should not be manipulated to extend beyond XXXX years from the original delinquency. 
The continued CO reporting violates the Consumer Data Industry Association ( CDIA ) Metro 2 Guidelines, which state that charge-offs should not be updated monthly as if they are new occurrences.

3. Failure to Provide Validation of Debt Under 15 U.S. Code 1692g ( FDCPA ), I have the right to request validation of this debt. As the data furnisher, XXXXXXXX XXXX XXXXXXXX must provide verification. If they can not validate the debt, the reporting must be deleted immediately. 


This is a formal dispute under the FCRA ( 15 U.S. Code 1681i ), and I expect a response within the legally required 30 days. If this information is not corrected, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please provide written confirmation of your findings and corrections. 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 2025-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Equity Auto Finance, Inc.
State: FL

Complaint narrative:
I just found a document online stating that this company is trying to serve my current job with documents to sue me to take away my pay. This was not sent directly to me, I have no knowledge of this situation so the steps that have been taken I was not aware of until this very moment. This is Illegal and im looking into suing this company and the attorney whos filing all of these motions without reaching out to me before hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I have a few issue. 
XXXX. The item in the dispute letter was removed from all three credit companies XXXX. XXXX it now back on my report and it over XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$420.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of a fraudulent account appearing on my Experian credit report due to identity theft. As a documented victim of the XXXX XXXX data breach, my personal information was unlawfully exposed, leading to the unauthorized use of my identity. The fraudulent account listed below was opened without my consent and must be removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ) 605B.

The other major credit reporting agencies, XXXX  and XXXX, have already complied with FCRA 605B and removed these fraudulent accounts from my credit file. Experian is legally obligated to do the same without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
A transaction of {$380.00} was charged on XXXX. This transaction was not authorized and not a known merchant. Reported to my Bank and have taken action. Locked and closed the card request for a new card. Open investigation and a victim of identity theft reported to bank and currently open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I paid down my LOC in XXXX. They put my payment into a holding account and continued to charge me interest. I called and they said oh sorry we have to return your money to you. So, I paid them again so that it would stop accruing interest and again, XXXX they put the payment into a suspense account and continued to charge me interest. ( yes they finally returned my first payment. When they finally applied my payments I had a credit, an overpayment, of {$19.00}. This they refused to return to me even though I paid the paydown according to their instructions and by the day they said. They overestimated the amount of interest due. So, now I have a credit of {$19.00}. But since then, they have charged me {$16.00} interest twice on a XXXX balance. I just got notification that they took the {$16.00} from my credit balance of {$19.00} leaving a credit balance of {$2.00}. And that i will still owe another {$16.00}, for what????? My overpayment? This is stealing. They misapplied my funds, refused to take my payment and misapplied my first and second payment which is why the account has accrued more interest in their ERROR. They have admitted that it was their computer system and that my account was messed up, yet they continue to steal my money and charge me interest on NO BALANCE. Please help me get my money back and make them fix this. They keep saying they will fix it and they can see their error but still no fix and still they take my money when I owe them nothing. XXXX XXXX  will not take responsibility for these errors as they are passing the buck to Mr. Cooper. So it looks like this is for Mr. Cooper to fix even though my loan is with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief