vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I entered into an interest-only repayment agreement with XXXX SoFi for my student loan, in which my monthly payments were set at approximately {$510.00}. This agreement was confirmed in writing and was based on a formal arrangement communicated and agreed upon by XXXX XXXX. 

In XX/XX/XXXX, I noticed that SoFi debited {$680.00} from my account significantly higher than my contractual payment amount. I realized this over the weekend, but SoFis student loan customer service line was closed, so I messaged their general support line. That representative told me I would be considered delinquent if I did not pay the full {$680.00} amount immediately, so I complied under pressure and made the payment, despite it violating my loan agreement. 

Afterward, SoFi acknowledged confusion and stated they were unsure why this occurred. As of now, my loan has not been properly adjusted. The servicing and payment structure has become chaotic and unclear. I am concerned that this is both a violation of my contract and indicative of larger servicing errors that could negatively impact my credit or lead to financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
applied to all disputed items : FCRA Section 609 ( a ) ( 1 ) ( A ) : Demand original documentation ( contracts, court records ).

FCRA Section 605 ( a ) ( 5 ) : Challenge accounts exceeding the 7-year reporting limit.

FCRA Section 611 ( a ) ( 1 ) : Require a reasonable investigation and suppression during disputes.

FCRA Section 623 ( a ) : Address furnisher errors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
FDCPA Section 809 : Request debt validation for potential collections.

Inconsistent Reporting : Highlight discrepancies across bureaus.

Public Record Specificity : Demand court documents for verification.

Suppression Request : Request temporary suppression during disputes.

The revised list of negative items to dispute, based on your clarification and the report : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by Experian ( opened XX/XX/XXXX, last activity XX/XX/XXXX, closed, {$0.00} balance, derogatory ) and Equifax ( XXXX activity XX/XX/XXXX, closed, {$0.00} balance, derogatory ). Not reported by TransUnion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported by Equifax ( opened XX/XX/XXXX, last activity XX/XX/XXXX, closed, {$0.00} balance, derogatory ). Not reported by TransUnion or Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Not explicitly detailed in the report but assumed to be one of Experians two derogatory accounts or TransUnions unspecified derogatory account. Likely closed with {$0.00} balance, marked derogatory ( e.g., due to collections or charge-off ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Similarly not detailed but assumed to be a derogatory account ( e.g., Experians second account or TransUnions ). Likely closed, {$0.00} balance, derogatory. 
Unspecified Derogatory Account : TransUnion reports XXXX derogatory account ( unspecified ), which XXXX be XXXX XXXX XXXX XXXX XXXX XXXX XXXX another collection/charge-off. 
Public Record : 1 reported across all bureaus ( details unspecified, likely a bankruptcy, lien, or judgment ). 
Collections/Charge-offs : Collection Chargeoff mentioned, suggesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX may involve collections. 
Assumptions : Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX lack specific details ( e.g., dates, balances ), Ill treat them as closed, {$0.00} balance, and derogatory, consistent with the reports pattern for other accounts. If they are collections, FDCPA validation will apply. Ill note potential statute of limitations issues ( 7-year reporting limit ) and inconsistencies ( e.g., not reported by all bureaus ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid off a debt from one company, and I received a bill from another company requesting to pay a debt for the same work. I was selling my home and received a demand to pay the second ( other ) company the debt that was already paid. The only way to close the deal was to paid the dollar amount.

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 2025-05-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. I did not authorize this inquiry and request that it be investigated and removed promptly. 

Inquiry Details : Creditor : MACYS/CBNA Inquiry Date : XX/XX/year>2023 I have never applied for credit with MACYS/CBNA or given permission for this company to access my credit file. This unauthorized inquiry is a violation of the Fair Credit Reporting Act ( FCRA ) and is negatively impacting my credit profile.

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 2025-05-19 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX : {$760.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Balance : {$980.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$330.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance : {$540.00} Open Date XXXX XXXX, XXXX Inquiries : XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX OF XXXX OAK Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX CO Date XX/XX/XXXX 2024

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
since XX/XX/year> my online banking was disabled, after that I knew that my XXXX accounts were closed by the bank, but I never received the balance I had on my account {$2.00}. I called customer service and I was referred to go to a branch, something is not possible because Im not XXXX XXXX  and I dont live right now there.

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 2025-05-19 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: NC

Complaint narrative:
I have previously submitted dispute letters to you regarding inaccurate and incomplete information on my credit report. Despite my efforts, I have not seen any changes to the information I disputed, nor any indication that a proper investigation was conducted. As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate all disputes and correct or remove any information that is inaccurate or incomplete. I am now submitting this complaint through the CFPB. Attached is the letter describing the details of my dispute for each negative account you are reporting. I ask that you review each item thoroughly and provide a timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of a collection account listed by Caine & Weiner on my credit report. Upon reviewing my credit file in preparation for purchasing a home, I was alarmed to find this collection account still being reported. I previously held an insurance policy with XXXX XXXX, which I canceled in accordance with their procedures. I received written confirmation via email that the cancellation had been processed, and at no time was I notified of any outstanding balance. The first and only notice I received regarding a balance came from my mortgage lender, after they pulled my credit report as part of the loan approval process. This unexpected and erroneous entry has not only jeopardized my ability to close on my home loan, but it has also negatively affected my credit standing. Its continued presence is both inaccurate and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
credit card billed for unauthorized purchase from resort hotel

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 2025-05-19 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: SC

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

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 2025-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/year>, I received confirmation from the XXXX Department of Education/Office of Federal Student Aid that my student loans from the Art Institutes `` would be discharged because XXXX concluded that your school made pervasive and widespread substantial misrepresentations which borrowers relied on to their detriment, and/or violated state consumer protection laws ''. My federal loans with XXXX XXXX have been forgiven. On XX/XX/year>, I was contacted by Mohela regarding my Private Loans. I advised them of the current discharge was looking for the same to be done for my private loans from XXXX XXXX and was encouraged to apply for the 'School Misconduct Application '. On XX/XX/year>, I completed the School Misconduct Application forms and also provided my XXXX XXXX XXXX XXXX Case ', 'The Art Institutes XXXX XXXX XXXX XXXX ', my Resume, and also an email received by an Admissions Representative. On XX/XX/year>, I received denials for my XXXX XXXX XXXX loans and the reason given was " A variety of factors are considered to determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school ''. I thought this response was very generic and most likely automatically generated since no valid response was given. Even though all documentation was provided by the " XXXX. Department of Education XXXX XXXX XXXX XXXX XXXX ' and 'The Art XXXX XXXX XXXX XXXX Summary ' and a personal email from an Admissions Rep, I still do not meet the requirements for discharge? This impacted my life in multiple ways and I'm still trying to find out the next steps or at least a specific or valid reason as to why I am not considered if the already Government did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This is the third time i'm filing a complaint against TD Bank. It's very frustrating that when you think something has been resolved with this bank, they turn around and mess up even more! 

I am writing yet again to formally lodge yet another complaint against TD Bank regarding inaccurate credit reporting that has caused significant and unjustified damage to me and my spouse 's credit score and financial standing. 

TD Bank has inaccurately reported to the credit bureaus that our mortgage was delinquent for 30, 60, 90, and over 150 days. These reports are categorically false. As of today, XX/XX/year>, our mortgage has been paid in full and on time every month. We have never missed a payment or been late by 30 days or more. 

Despite our attempts to resolve this matter, TD Bank has failed to correct these inaccuracies. Over the past several months, my husband and I have made multiple calls to TD Bank 's customer service. We have been placed on hold for excessive periods, told the representatives can not hear us ( before being hung up on ( 4 times ) ), or promised callbacks that never happen. There has been no substantive follow-up or resolution. 

This egregious misreporting has resulted in a drop of nearly XXXX points to both our credit scores, affecting our ability to obtain credit and financial services. We believe this situation has arisen due to poor internal reconciliation practices and a lack of accountability in TD Banks credit reporting procedures. 

If TD Bank does not have the resources to manage our account effectively, then please hand it over to someone who can. 

We are fed up!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am enrolled in paperless billing. Each month I receive a notice that my statement is available, followed by a notice that my payment is scheduled, then a notice that my payment has been received. 

The link to my accounting software was broken so I attempted re-connect. I then saw that my account was past due and had been closed due to the past due status. I logged into the bank and realized the monthly payments were insufficient to cover the minimum payment. All that to say, every month I receive three correspondences, via email, and none of the messages indicate an issue with the account.

I am happy to pay the amount that I owe, I do not need them to reopen the account, I simply do not want to pay, or have my credit affected, by fees that accrued without notification of delinquency. Note, one time they did call ( XXXX ), as a payment had failed. I immediately paid in full. When notified of delinquency, I remedy the error. The emails I receive never stated there was an issue with the account, to the contrary, they notified me of the upcoming payment followed by the receipt of payment.

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 2025-05-19 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: MS

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 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 2025-05-19 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation