vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding Rubin & Rothman , LLC, acting on behalf of Bank XXXX XXXX, XXXX, in connection with an alleged debt. 

On or about XX/XX/year>, I received a Stipulation of Settlement and related correspondence from Rubin & Rothman , LLC. The documents state that I allegedly owe {$16000.00} and propose that I pay the creditor {$100.00} on XX/XX/year>, {$100.00} on XX/XX/year>, and {$100.00} on the XXXX of each subsequent month until the balance is paid in full. The stipulation also contains waiver provisions that would force me to give up defenses, including protections under state and federal law. 

The problem is that I am on Social Security, and as the documents themselves acknowledge ( in compliance with New York regulations ), Social Security income and other protected sources can not be garnished or taken to pay a debt. I have been paying this alleged debt for years using my Social Security funds, but based on these disclosures, I now understand that these funds are legally exempt. I do not wish to waive my rights, and I believe this collector is improperly pressuring me to continue payments with exempt funds. 

In XX/XX/year>, I filed a complaint with the New York XXXX Department XXXX XXXX XXXX ( NYSDFS ) ( case number XXXX ) regarding this matter. I was informed that the collector never responded to XXXX. I was further advised by XXXX to contact the CFPB. 

What I need clarified and resolved : Whether, under federal and state law, I am correct that this debt is not collectible from me because I am solely on Social Security. 

XXXX XXXX XXXX XXXX, LLCs communications and stipulation violate federal consumer financial protection laws by attempting to collect from exempt income and by requiring me to waive legal protections. 

XXXX Bank XXXX XXXX, XXXX. and its counsel XXXX continue to pursue this alleged debt given these circumstances. 

I am seeking confirmation from the CFPB that I should not be paying this debt with my Social Security benefits, and I ask that CFPB require the company to cease further collection efforts and correct their practices. It is bad enough that I have already been paying for years from exempt Social Security funds, and I need assurance that this will not continue.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-12 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute regarding accounts on my credit file that I did not authorize. These fraudulent accounts are false, misleading, and harmful. Their inclusion creates an inaccurate representation of my credit history and negatively impacts my financial reputation.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Exto Inc.
State: IL

Complaint narrative:
I used my card on XX/XX/XXXX but afterward I was logged out of my account and I received an email that an identity check was needed. I dont recall setting up a password so I attempted to reset the password so I could complete the identity verification. 

Unfortunately, because an ID Check was needed it would not allow me to reset my password. The online system says its sending me a password but the email never comes through. 

Ive had the same experience when trying to receive assistance from the support team. I emailed them on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX with no response. They dont have live phone support but Ive XXXX tried live chat and leaving voicemails on several occasions. The only response I get is that someone would contact me back. 

I even tried emailing my ID but I was advised through the chat that I needed to use the identity verification link to upload it. Since I never received this link I have no idea how XXXX supposed to do that. The only email I have about the identity verification says to log in and upload it through the app and since XXXX cant log in XXXX stuck. 

This is a pre-paid card with a linked savings account and Atlas has continued to take money from my checking account to save despite numerous requests for them to stop deducting money and refund the money theyve taken ( {$700.00} ). 

I dont know why but I only receive the automated messages from Atlas ( statements, automatic payments, etc. ). When they claim they responded there is nothing. Since I work in finance I understand that fraud flags on accounts can sometimes stop manual emails from going out but they are refusing to work with me any other way. Today I tried requesting the identity verification link by chat and the agent informed me I have to wait XXXX for an agent to reach out ( again ) and then they stopped responding to me altogether. 

I am in a tough financial spot and this money is what I need to feed my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
I am writing to formally request the withdrawal of my previously submitted dispute regarding my credit reports with XXXX XXXX, and Equifax. The details of my previous submissions are as follows : XXXX  Complaint ID : XXXX TransUnion Complaint ID : XXXX Equifax Complaint ID : XXXX The dispute I submitted contained errors that I would like to correct. I respectfully request that the CFPB XXXX my prior dispute as withdrawn so I can submit a new, accurate dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 am filing this complaint because my credit report contains inaccurate and unverifiable collection and charge-off accounts that remain despite my disputes. 

The following accounts are being reported : XXXX XXXX XXXX XXXX {$1400.00} ( updated XX/XX/year> ). 

XXXX XXXX XXXX XXXX {$930.00} ( updated XX/XX/year> ). 

XXXX XXXX XXXX XXXX as reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX accounts ( {$4100.00} and {$5500.00} ). 

XXXX XXXX XXXX XXXX XXXX {$3300.00}. 

XXXX Charge-off {$590.00}. 

XXXX XXXX multiple small-balance charge-offs ( {$22.00} {$440.00} ) that appear as duplicates. 

These accounts show conflicting information across the credit bureaus ( Experian, Equifax, TransUnion ) including inconsistent balances, reporting dates, and statuses. In addition, some appear duplicated or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), the bureaus and furnishers must ensure that reported information is accurate, complete, and verifiable. To date, I have not been provided with original signed contracts, account-level documentation, or clear ownership validation. 

Requested Resolution : I request that the CFPB require the credit bureaus and furnishers to either : Provide full validation ( original signed agreements, complete payment histories, and ownership documentation ), OR Delete these accounts from my credit report immediately if they can not be verified. 

I am attaching copies of my credit reports, dispute letters, and identification for verification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate and unverifiable collection and charge-off accounts that remain despite my disputes. 

The following accounts are being reported : XXXX XXXX XXXX XXXX {$1400.00} ( updated XX/XX/year> ). 

XXXX XXXX XXXX XXXX {$930.00} ( updated XX/XX/year> ). 

XXXX XXXX XXXX XXXX as reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX accounts ( {$4100.00} and {$5500.00} ). 

XXXX XXXX XXXX XXXX XXXX {$3300.00}. 

XXXX Charge-off {$590.00}. 

XXXX XXXX multiple small-balance charge-offs ( {$22.00} {$440.00} ) that appear as duplicates. 

These accounts show conflicting information across the credit bureaus ( Experian, Equifax, TransUnion ) including inconsistent balances, reporting dates, and statuses. In addition, some appear duplicated or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), the bureaus and furnishers must ensure that reported information is accurate, complete, and verifiable. To date, I have not been provided with original signed contracts, account-level documentation, or clear ownership validation. 

Requested Resolution : I request that the CFPB require the credit bureaus and furnishers to either : Provide full validation ( original signed agreements, complete payment histories, and ownership documentation ), OR Delete these accounts from my credit report immediately if they can not be verified. 

I am attaching copies of my credit reports, dispute letters, and identification for verification. 

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 2025-09-12 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: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-12 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: OK

Complaint narrative:
XXXX Bank is reporting a charge-off of {$1800.00} on my credit reports. This account is not mine. I have disputed this with all three credit bureaus, but it has not been removed. 

This inaccurate reporting violates the Fair Credit Reporting Act, which requires furnishers to correct or delete information that can not be verified. Because of this false tradeline, my score has been harmed, I have been denied credit, and I have been forced to pay higher insurance rates and excessive auto loan interest rates. 

Resolution Requested : Permanently delete the XXXX Bank tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for and was approved for a Netspend account. The terms stated I needed to do verify my account and do a direct deposit within 60 days and I would receive a {$200.00} bonus within 5 business days. I fulfilled this by verifying the account, getting the debit card, and receiving a direct payroll deposit on XXXX, well within the 60 day window. More than five business days passed and I did not receive the {$200.00} bonus. I reached out. 
First, they said the offer had expired. It hadn't expired when I applied and I sent them the link. They seemed to want to retroactively change the terms. 

ONce they accepted that the offer had not expired they said I hadn't done the deposit in time, I provided the dates of your sign up and my direct deposit. 

The were unable to provide an explanation for what part of the terms I had not fulfilled. Their ultimate reasoning was that, had I qualified for the bonus I would have received it automatically and since I didn't then I did not qualify. Upon searching the web I see that this is a pattern and many people had the same experience. 

I have still not received the bonus as promised in the terms. They have since taken down the {$200.00} offer but I have an archived link here https : XXXX I

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 2025-09-12 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: NJ

Complaint narrative:
Experian has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate account on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which Experian has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

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 2025-09-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Prepaid account mobile app says account restricted. Apon calling there like there was suspicious activity. I stated if there was suspicious activity your supposed call and verify you did not. Asked for account to be reopened or money returned. They claimed impossible once account is closed its permanently closed and since l handed over the deposit its there money not mine. Plain and simple there thiefs. Do not use they will close your account just to rob you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-12 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: NC

Complaint narrative:
Dear CFPB Representative, Thank you for providing the results of Equifaxs, Trans Union, Experian investigation into my complaint regarding inaccurate items appearing on my credit report. 

While I acknowledge receipt of Equifaxs Trans Union and Experian response, I must respectfully reiterate that the accounts in question reported by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX do not belong to me and are being inaccurately attributed to my credit profile. 

Despite Equifaxs Trans Union and Experian claim that these items have been verified, I have not received any supporting documentation that proves I have a legal or financial responsibility for these debts. Simply stating that the accounts have been verified without providing evidence or proper validation does not satisfy the requirements under the Fair Credit Reporting Act ( FCRA ).

I am requesting the following : 1. A reinvestigation into these accounts, with specific emphasis on how Equifax determined that these accounts belong to me.

2. Full validation and documentation from the furnishers ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) showing : A signed agreement or application; Transaction history showing my involvement ; Any identifying information linking me to these accounts ( e.g., ID verification, address history ). 
3. Immediate removal of these items if they can not be substantiated with concrete proof. 

I also request that Equifax, Trans Union, and Experian mark these accounts as disputed by consumer on my credit file during the reinvestigation process, as required by law. 

If this issue is not resolved adequately and within a reasonable timeframe, I am prepared to escalate the matter, including potential legal action for violations of the FCRA and FDCPA, should evidence of inaccurate reporting and failure to investigate be found. 

Please advise on the next steps for continuing this dispute through the CFPB process. I appreciate your time and assistance.

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