vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I am sending as a consumer seeking a fair and accurate reflection of my credit history. After reviewing my credit report, I noticed information that no longer reflects my current financial status. This letter serves as my formal request for permanent deletion of any outdated, unverifiable, or inaccurate data, in accordance with multiple provisions of the Fair Credit Reporting Act ( FCRA ) .Over the years, I have taken significant steps to improve and maintain my financial health, including resolving past obligations, paying off balances, and ensuring that all my accounts are in good standing. Despite these efforts, I have found that certain entries continue to appear on my report, creating a misleading picture of my creditworthiness. According to FCRA Section 602 ( a ), FCRA Section 604 ( b ), and FCRA Section 607 ( b ), every consumer has the right to fair, accurate, and complete credit information. These laws emphasize that consumer reporting agencies must maintain procedures to ensure maximum possible accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX  Balance Owed : {$690.00} XXXX  Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$170.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I am sending as a consumer seeking a fair and accurate reflection of my credit history. After reviewing my credit report, I noticed information that no longer reflects my current financial status. This letter serves as my formal request for permanent deletion of any outdated, unverifiable, or inaccurate data, in accordance with multiple provisions of the Fair Credit Reporting Act ( FCRA ) .Over the years, I have taken significant steps to improve and maintain my financial health, including resolving past obligations, paying off balances, and ensuring that all my accounts are in good standing. Despite these efforts, I have found that certain entries continue to appear on my report, creating a misleading picture of my creditworthiness. According to FCRA Section 602 ( a ), FCRA Section 604 ( b ), and FCRA Section 607 ( b ), every consumer has the right to fair, accurate, and complete credit information. These laws emphasize that consumer reporting agencies must maintain procedures to ensure maximum possible accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX  Balance Owed : {$690.00} XXXX  Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$170.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under XXXX XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX * * * * * * * * * * * * * * FRAUDULENT INQUIRIES : EMSREGIONS XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XACTUSAVANTUSROCKET - XX/XX/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 2025-10-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> I paid merchant XXXX XXXX XXXX {$800.00} to repair a leak in the roof of my house. Merchant provided a 2 year guarantee against future leaks. Merchant did not repair the roof properly, the roof continued to leak causing damage to my ceiling including the growth of black mold. Merchant refused to honor their guarantee by properly repairing my roof, merchant refused to refund my money. I was forced to hire another roofer, and paid an additional cost to repair my roof. I filed a dispute with my credit card company XXXX XXXX XXXX. my dispute was denied. XXXX XXXX XXXX did not conduct an investigation into my dispute. XXXX XXXX XXXX did not keep me informed as to the status of the dispute. XXXX XXXX XXXX did not provide me with the reasons that my dispute was denied despite my requests to them to provide this information. XXXX XXXX XXXX failed to comply with the Fair Credit Billing Act. XXXX XXXX XXXX had no justification and provided no justification to deny my dispute. 
I REFUSE TO PAY THIS CHARGE OF {$800.00}.

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 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX my phone carrier got hacked and all my bank. information got stolen also my SSN. They try to change my username and password which they successfully opened a new account with XXXX and started transfer moneys. Also soon as I found out I called the bank and freeze it but I can't stop the identity theft using my SSN to do other stuffs. I also call the 3 credit unions to freeze credit but unfortunately they're still able opening new accounts. On XX/XX/XXXX I received an letter from XXXX XXXX  stating that I have a saving and checking account opened and when i told them it was fraud and I did not open the account but they won't let me close the account. So as the XXXX account, I received a card from them on XX/XX/XXXX which i told them again it was not me it was fraud. I also reported it to the Police Department with everything that happened and one of the officer was on the phone with me when we called XXXX to cancel the account but they won't let 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 non-monetary relief
Consumer complaint received 2025-10-22 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: MS

Complaint narrative:
I submitted a written dispute to [ XXXX, XXXX, XXXX  ] regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information.

Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information.

I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Franklin Collection Service, Inc.
State: NY

Complaint narrative:
Receiving multiple phone calls back to back at XXXX XXXX. Calling repeatedly from three different numbers. My caller id app does not let the call complete without them leaving a message as to why they are calling and they don't leave a message. They just hang up and call from a different number. Not even sure which company is calling but when XXXX XXXX the numbers one of them came up as Franklin Service inc. which searched as a collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a borrowers defense application with XXXX, its been in review since XX/XX/XXXX. XXXX XXXX is where the loan stems from and initially $ XXXX but on my credit report its $ XXXX from interest payments due to being handled by multiple loan providers starting with XXXX XXXX, then XXXX and now Mohela all this was brought up in my borrowers defense case as well as the fact the XXXX XXXX is now closed. Yet they still have yet to make a decision on my case but still its being reported on my credit with the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to request your review and assistance regarding SoFi Bank, N.A. ( and its lending partner, XXXX XXXXXXXX XXXX ) concerning repeated and improper denials of my personal loan applications. 

I am an existing SoFi customer with a current personal loan in good standing. On XX/XX/2025, I applied for a new SoFi personal loan and received a denial citing Unable to verify identity. My identity and financial information were accurate, and SoFi holds verified records through my existing account. 

On XX/XX/XXXX, XXXX days laterI reapplied. Despite exceeding the XXXX threshold, SoFi ( through XXXX XXXXXXXX XXXX  XXXX denied the application again, stating Application recently declined in the last XXXX  days. This denial is factually and procedurally incorrect. 

It appears SoFis automated system is enforcing a blanket XXXX restriction on re-applications without regard to the actual number of days elapsed or the applicants verified customer status. This practice effectively blocks qualified consumers from obtaining credit and may violate the Equal Credit Opportunity Act ( ECOA ) and Fair Credit Reporting Act ( FCRA ), which require fair consideration and accurate communication of credit decisions.

Adding to the inconsistency, I continue to receive promotional mail offers from SoFi encouraging me to apply for new personal loans, while simultaneously being prevented from doing so due to this system restriction. 

I respectfully request that SoFi Bank and XXXX XXXX XXXX  : XXXX. Correct the inaccurate denial reason ; XXXX. Remove any internal application restrictions or flags preventing legitimate re-application ; and XXXX. Manually review my current loan application to ensure fair and lawful consideration. 

Supporting documentation is enclosed, including both denial notices ( dated XX/XX/2025 and XX/XX/2025 ) and a current account summary showing my SoFi loan is active and in good standing. 

Thank you for your attention and assistance in ensuring compliance with federal consumer protection and fair credit laws. 

Sincerely, XXXX XXXX XXXX contact information : You can reach me at XXXX or by phone at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
This is a follow-up to CFPB complaint [ # XXXX ] that was closed in error. The companys response was inaccurate and misrepresents our communication. Please review my last left comment in response. I am requesting CFPB to review this matter again.

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 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: NC

Complaint narrative:
In XX/XX/XXXX I bought solar panels from XXXX XXXX that was financed though Mosaic Solar for $ XXXX month. 3 months later without my consent the loan jumped {$41000.00} more. I called and they said there is nothing I could do. Fast forward to XXXX of XXXX. Solar Mosaic goes bankrupt. I get a claim in the mail I can file against them. I did for predatory loan. Nothing happened. New loan company took over in XXXX, Solar Servicing, who are still connected to Mosaic, and my payment jumped $ XXXX to $ XXXX which I can't afford since I am on XXXX retirement. Now there are several states that have lawsuits against us Mosaic Solar for predatory loans, and fraudulent for their loan practices especially targeting folks that are low income like myself knowing they can take advantage of them. I called Mosaic/Solar Servicing last month, XX/XX/XXXX, telling them this and that I can not pay my loan. I want to cancel it. XXXX stated I can't. That makes no sense. I called XXXX XXXX to have panels removed, which will cost a lot out of my own pocket, but again loan can not be canceled. This is predatory loan, fraud, and with all these lawsuits against them from different states I am at a lost on how to proceed. Not paying will ding my credit big time and I can't have that. I am stuck. See attachments for loan screenshots. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion XXXX XXXX, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX * * * * * * * -Date Opened XX/XX/year> -Balance {$390.00}

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 2025-10-22 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:
PLEASE BLOCK AND REMOVE. 
This account has caused me significant emotional strain and mental fatigue. Ive attached all supporting documents and request its immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has caused me significant emotional strain and mental fatigue. Ive attached all supporting documents and request its immediate removal.

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 2025-10-22 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: AR

Complaint narrative:
I am submitting to formally dispute and request correction of two accounts that have been reported with inaccurate late payment information. Despite my consistent and verified payment history, these accounts are showing delinquent activity that does not align with my records, and these inaccuracies materially misrepresent my creditworthiness. Credit furnishers and reporting entities are required to maintain and report only information that is accurate, complete, and verifiable. 
Additionally, under FCRA 611 ( a ) ( 1 ) ( A ), any disputed information must undergo a thorough reinvestigation, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not continue to report data that is known or should be known to be inaccurate. 
XXXX XXXX XXXX XXXX * * Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: WI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I disputed the amount of {$600.00} with HELVEY & ASSOCIATES on XXXX  and requested documentation. I sent in that XXXX XXXX XXXX XXXX paid my past due amount owed with proof and that is how I was able to get lights in my new place. They came back saying the debt is valid and that is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation