vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Company name : SoFi Bank, N.A. 

What happened : My SoFi Bank account was suddenly closed on XX/XX/year>. When I called customer service, I was told the account was closed due to fraudulent activity, but no additional details or explanation were provided. I was also told that this decision is final and that no more information could be disclosed. 

I was not notified in advance of the closure, was given no opportunity to dispute or understand what activity triggered the closure, and I no longer have access to my SoFi account to review transactions or withdraw funds.

I am requesting that SoFi provide :

1. Written confirmation of my account closure and the official closure date. 2. A final account statement and return of any remaining funds. 3. Confir
mation that SoFi has not reported false or negative information about me to ChexSystems, Early Warning Services, or other banking databases.

I am filing this complaint to request the CFPBs assistance in obtaining a written explanation and ensuring that SoFi followed proper consumer notification and reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I had my XXXX XXXXXXXX accord serviced at the XXXX XXXX in XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Thats the address. They serviced my and said they couldnt find the problem. Yet they charge/charged my dad roughly $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complainant : Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN ( last four ) : XXXX Date : XX/XX/XXXX Credit Reporting Agency : XXXX  Mailing Address : XXXX XXXX XXXXXXXX, XXXX, PA XXXX Summary of Complaint I am filing this complaint against XXXX  for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report two accounts inaccurately and in a misleading manner, despite both being paid in full, closed, and inactive. These reporting errors are damaging my credit reputation and misrepresenting my financial status. 

The disputed accounts are : XXXX. Account # XXXX XXXX XXXX XXXX Type : Open Account XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Status : Closed / Paid or Paying as Agreed Balance : {$0.00} This account represents child support obligations through the XXXX XXXX XXXX XXXX XXXX XXXX, which were paid in full and officially terminated in XXXX. 
Despite this, XXXX  continues to report the account as active and current as of XXXX, falsely implying an ongoing obligation. 
This reporting is factually inaccurate and misleading because : The Date Last Active has been re-aged to XXXX, in violation of FCRA 623 ( a ) ( 5 ).

The account is closed and has a {$0.00} balance, yet still appears current on my credit file.

This false activity misrepresents my financial history and negatively affects my credit score. 
XXXX  has failed to ensure maximum possible accuracy as required by FCRA 1681e ( b ). 
I have been off child support since XXXX, and this item should reflect Paid in Full / Closed Obligation Terminated in 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 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I opened an account on Robinhood. From XX/XX/XXXX - XX/XX/XXXX I deposited {$4200.00}. On XX/XX/XXXX I purchases {$3000.00} of XXXX and {$25.00} of XXXX. On XX/XX/XXXX Robinhood said it was closing my account due to suspicious activity. I attempted to resolve any concerns they were having by calling them and messaging them thru the app. I was told I could not because my account was closed. Since I am unable to speak with anyone I'm not sure what I did wrong but at this point I just want my money back. They sold my XXXX and XXXX and my balance in {$4100.00}. I have tried withdrawing it and it failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding, LLC for continued reporting of an unvalidated collection account. I have sent XXXX certified debt validation letters to LVNV Funding and credit bureaus asking for debt validation the first on or around XX/XX/XXXX, and the second on or around XX/XX/XXXX and the XXXX on or around XX/XX/XXXX all mailed from the XXXX XXXX, TX XXXX XXXX. 

Despite receiving my letters, LVNV Funding has never provided any documentation proving this debt is mine, nor have they shown legal ownership or assignment from the original creditor. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), a furnisher must validate a debt and can not continue to report unverifiable information.

LVNV Funding continues to report this account on my credit file without validation, violating my rights under federal law. I am requesting that the CFPB investigate LVNV Fundings failure to provide validation and require them to delete this account from all credit bureaus ( XXXX XXXX XXXX XXXX ) immediately.

A recent credit report showing the LVNV Funding account still listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Reporting charge-off information to my credit report pursuant to the Fair credit reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
According to the 15 USC 1681 law there should not any damages on my credit report. It is definition to my character.

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 2025-11-02 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:
According to the 15 USC 1681 law there should not any damages on my credit report. It is definition to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing to dispute and request the blocking and deletion of the following accounts that appear on my credit report : Account : # XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am exercising my right to have all information relating to these accounts blocked and deleted from my credit file, as they were reported in error and/or are the result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have 14 hard inquires on all 3-credit bureaus Experian, Transunion and Equifax. I've applied to 2 of them. With all 3 bureaus having their information belonging to customers compromised, even though our information did get out I don't believe that. I get mail from places saying I applied somewhere but was denied and I never applied at that place. Also I know other companies have our information and it gets compromised. You can say it doesn't because so many places have been sued and the courts are making them payout fines to the XXXX XXXX. Just alone so far in 2025 there have been 26 different ones. I'm sick of complaining to the companies requesting documentation where I applied for credit and get nothing or most say it was online. The 3 separate credit bureau companies just last night I made disputes on all of them about the 12 hard inquires and this morning they responded that their findings were correct. The disputes I made were at XXXX XXXX  Saturday XX/XX/year>2025 and on Sunday morning XX/XX/scrub>/2025 that's the answers I got. I called them on Sunday and they are closed, I know they don't work in the middle of the night. One of the where for a mortgage XXXX and I did apply for a mortgage but was denied the first month but the next 2 months they made hard inquires again. They will say sorry when notified. Most of these places I've never heard of. I'm trying to buy a house, but this kind of thing is preventing me from obtaining a new mortgage.

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 2025-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Lost my job, can not find a new one, exhausted all my savings. Keeps asking for new address and failure to understand what I tell them This must go to BofA executives. Why? Stated a long time ago. But in XXXX after losing a job at XXXX, I was contacted for a job at BofA. Exact same role I previously worked. Rejected with no reason. Checked recruiter on XXXX and found he was connected to a VP that was at XXXX. So, did they drug test this guy? Doubt it, but I was drug tested in XXXX so, pretty sure you did not. In XXXX  to XXXX  XXXX XXXX was a manager that hired a lot of women from University of Delaware and subsequently got them addicted to XXXX. His girlfriend/wife was a sister of a state cop and had a XXXX XXXX XXXX on vehicle. This allowed her to move XXXX XXXX  of XXXX  a year in a cooler with a false bottom. I can give details, but limited space. 

Back to BofA and XXXX, I found out I was blacklisted in XXXX and since XXXX did it, BofA violated XXXX. Last year I received a call from a very irate recruiter telling me to stop applying for jobs I know are Bank of America since I worked for them for 23 months was terminated for stealing XXXX  date of customers. LIE. Many times, I requested it be removed, but now, it has cascaded and any company that submitted me for roles at BofA refused to deal with me for any jobs at any companies. It may have been removed from BofA, but contracting companies retained my info, For the record, XXXX violated XXXX XXXX because he accessed my accounts with BofA to obtain my SSN for the blacklisting. 

Back to foreclosure, they need to fix many things at this time and if they go forward, I do not care but I will come at them for the wrongdoings of one of their employees

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
Subject : Cease and Desist & Debt Validation Request Accounts in Question : XXXX XXXX XXXX / XXXX XXXX XXXX  Account No. : XXXX Balance : {$230.00} Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX XXXX, XXXX. 


Account No. : XXXX Original Creditor : Unknown Balance : {$570.00} Date Opened : XX/XX/XXXX Dear Sir or Madam, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. that I am disputing the validity and accuracy of the alleged debts listed above and requesting debt validation. Additionally, I am requesting that you cease all communication with me regarding these accounts except as allowed by law.

You are hereby notified to : Provide full validation of each alleged debt, including but not limited to : The name and address of the original creditor ; A complete payment history showing how the amount claimed was calculated ; A copy of the original signed agreement or contract bearing my signature ; and Proof that you have legal authority to collect or report this debt.

Cease all collection activities, including phone calls, letters, and credit bureau reporting, until proper validation is provided. Any continued attempts to collect or communicate without validation will be considered a violation of the FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

If the alleged debts can not be validated in full, you must : Remove all related entries from my credit report ; and Cease any further collection efforts immediately.

Please note that this letter is not an admission of liability or acknowledgment of any debt. All future correspondence regarding these accounts should be made in writing only. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
BANK OF AMERICA XXXX Original Creditor - Company Sold Account Type Revolving Date Opened XX/XX/year> Open/Closed Open Status Pays account as agreed Status Updated XX/XX/year> Credit Usage 89 % Balance {$5300.00} Balance Updated XX/XX/year> Credit Limit {$6000.00} Monthly Payment {$53.00} Past Due Amount Highest Balance {$5700.00}

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 2025-11-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
I am writing to dispute and request the blocking and deletion of the following accounts that appear on my credit report : Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am exercising my right to have all information relating to these accounts blocked and deleted from my credit file, as they were reported in error and/or are the result of fraudulent activity. 
Please conduct an immediate investigation and provide written confirmation that these accounts have been removed from your records and that all consumer reporting agencies to which you have furnished this information have been notified to delete these entries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: NC

Complaint narrative:
We bought a XXXX truck in XX/XX/XXXX with a 36-month payment plan of {$770.00} each. Due to problems and to avoid delays, they told us we couldn't move 6 of the payments to the end of the loan for the same amount, with interest accruing immediately. At no point did they tell us this would mean that instead of 6 more payments, it would become 15 payments, given the current interest rates. Additionally, they generated a series of interest charges on top of interest that were never explained to us during the entire loan period. Furthermore, we never had access to the online portal, and they didn't answer our calls, only automated systems. Only when I told them I would file a complaint did they send me the payment history. Similarly, without prior notice, they changed the late payment fee from {$38.00} to over {$150.00}, and this happened during a period when automatic payments were being processed from the account, making it impossible to pay late. It is illogical that a vehicle acquired by the dealer at auction because it was a total loss car, a situation that was never reported to us by the dealer or the finance company, and only a month ago were we able to see the real value of the vehicle at XXXX and invoiced in sale at XXXX with a down payment of XXXX leaving a balance to pay of XXXX in XXXX installments of XXXX for a total of XXXX which included the XXXX of interest. 
i have the copy of the contract, the payoff request in XX/XX/XXXX and the payment history all They all have discrepancies in the amounts with the amounts reported by phone, those sent in the payoff request in XX/XX/XXXX, those in the payment history, those related in the contract and the real expected amounts according with the agreed deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am writing to dispute and request the blocking and deletion of the following accounts that appear on my credit report : Account : XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am exercising my right to have all information relating to these accounts blocked and deleted from my credit file, as they were reported in error and/or are the result of fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
FRCA 602 607b 611 dispute & request for deletion due to inaccuracy/unverifiable reporting.

Company response to consumer: Closed with non-monetary relief