vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely worried because the inaccurate accounts are still appearing on my credit report, and they were not taken off as they should have been. I urgently ask that the documents Ive attached be carefully reviewed so I can finally have peace of mind and no longer live in constant fear over this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
Sample Letter for Insufficient Dispute Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Subject : Re-Dispute of Account - Insufficient Investigation Information To Whom It May Concern : This letter is in response to your recent communication regarding my dispute of the following account : Account Name : LVNV FUNDING LLC Reported Amount : {$650.00} My initial dispute, sent on XX/XX/year>, requested a full investigation into the accuracy of this account. Your response did not provide sufficient detail regarding the nature of your investigation. The Fair Credit Reporting Act ( FCRA ) requires a credit reporting agency to conduct a " reasonable investigation '' of a consumer 's dispute. Your response did not meet this standard, as it failed to provide proof of the debt 's validity. 
Specifically, your response did not include : The name and contact information of the company that furnished this information. 
A copy of the original signed contract or agreement that validates this debt. 
A detailed explanation of how the account was verified as accurate. 
I am requesting that you immediately conduct a new, thorough investigation and provide me with the specific documentation that proves this debt is mine. If you are unable to provide this information, you must remove this account from my credit report. 
Failure to provide the requested information within the legally required 30-day timeframe will be considered a violation of the FCRA, and I will report your agency to the appropriate regulatory bodies. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I see that multiple inaccurate accounts are still appearing on my credit reports, and none of these accounts have been removed. I urgently ask that all the documents Ive provided be examined thoroughly so I never have to face this worry again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: OH

Complaint narrative:
hello, I would like to file a dispute with Equifax because XXXX days ago XX/XX/year> XXXX XXXX XXXX was reported good and current standards now all of a sudden XX/XX/year>. It is now showing XXXX  days past due that is incorrect and inaccurate information. I am going to copy and paste my payments. This is against the FRCA with their keep on reporting in accurate information and its really interfering in my lifestyle and my credit score.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally document the conduct of Advance America during a period of financial hardship in which I was unable to make payments for approximately XXXX months due to disability-related and systemic challenges. The payments were approximately {$110.00} every XXXX weeks and right now XXXX past due approximately around XXXX some dollars. They only gave me a deferment of XXXX payment. 
Despite my proactive communication with Advance Americainforming them of my intent to repay and requesting reasonable accommodationthey continued to call me repeatedly, which I experienced as harassment. I made it clear that I was willing to work with them and uphold my obligations, yet their response was aggressive and dismissive of my rights. 
In contrast, XXXX XXXX received the same letter regarding my financial hardship and responded with understanding and flexibility. Their conduct reflects ethical standards and consumer respect, while Advance Americas behavior has caused additional emotional and logistical strain. 
I believe Advance Americas actions may violate consumer protection standards, especially in light of my XXXX and the protections afforded under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. I am requesting that the CFPB investigate this matter and ensure that Advance America is held accountable for its treatment of vulnerable consumers. 
Thank you for your attention to this matter. 


Sincerely, XXXX XXXX XXXX XXXX, Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCF Intermediate Holdings LLC
State: ME

Complaint narrative:
I am getting massive amount of emails threatening warrants and seize orders being issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received a text message from a number identified as CBE Group, claiming to be a debt collector about my XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) account. The message included a link ( https : //app.cbeportal.com/ ) and listed CA License Number XXXX. 

On XX/XX/XXXX and again on XX/XX/year>, I received two more text messages with similar wording and different payment links, also claiming to be from CBE Group. 

To verify, I contacted XXXX XXXX XXXX directly. They confirmed that my account has not been sent to collections and that no balance was referred to CBE Group. This makes me believe the messages are fraudulent or a scam attempt. 

I have not clicked on the links or replied to the texts. I am reporting these repeated messages as suspected fraudulent debt collection attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TN

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 explanation
Consumer complaint received 2025-09-24 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: TN

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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
The company name Southern Management System Inc. they did not provide an account number. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide proof or certified mail with receipt displaying my signature. If not, please delete account from Southern Management System Inc. as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies that have been reported on my credit file. These inaccurate entries are causing significant and unjust harm to my creditworthiness, reputation, and financial stability. 

Inaccurate Addresses Reported The following addresses are listed on my credit reports, none of which have ever been associated with me : XXXX XXXX, XXXX, XXXX XXXX Wrong Address XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX Wrong Address These addresses are false, misleading, and damaging, and I demand their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure accuracy. 

Inaccurate and Unverified Account Reporting Additionally, the following account is being reported inaccurately : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/year> Status : Charge Off This account is being reported in a manner that is unfair, unverified, and damaging to my credit profile. I dispute the accuracy, legitimacy, and reporting of this account under the FCRA and demand a full reinvestigation. 

Relief Requested I am requesting that the CFPB immediately : Investigate these inaccurate addresses and ensure they are removed from my credit reports. 

Investigate the XXXX XXXX charge-off entry and require the furnisher and credit bureaus to provide documented proof of accuracy and ownership. 

Ensure compliance with FCRA and hold the credit reporting agencies and data furnishers accountable for their failure to maintain accurate records. 

Provide me with written confirmation of corrective actions taken.

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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My bank denied my fraud claim stating I authorized a XXXX XXXX payment. I was induced by misrepresentation to send irreversible cryptocurrency off-platform to a purported seller. Im attaching the IC3 and FTC report confirmations, the XXXX listing/screens, XXXX XXXX  receipts, and XXXX XXXX. I request a re-investigation considering inducement by fraud and the merchants refusal to transact on the platforms protected system. 

IC3 : XXXX FTC : 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
urate Information Data Breach Exposure To Whom It May Concern, I am disputing the accuracy and legitimacy of certain information on my credit file. My personally identifiable information was exposed in a data breach, and as a direct result, fraudulent and unverifiable information has appeared on my reports. 
This has traumatically affected my life, hindering my ability to obtain credit, secure housing, and access essential resources. Such consequences violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681c-2, which mandate the permanent deletion of inaccurate or unverifiable data. 
Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and the FTC Act ( 15 U.S.C. 45 ) require credit reporting agencies to safeguard consumer data and prohibit the continued reporting of information resulting from a breach. 
Accordingly, I am demanding that all unverifiable and fraudulent items associated with the breach be deleted indefinitely from my credit file. Anything less constitutes a violation of federal law and will be pursued accordingly through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other applicable regulatory bodies. 
Please confirm in writing within 30 days, as required by law, that these items have been permanently deleted from my file.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Experian is reporting incorrect information on my XXXX account saying I was late. I hav e never been late. When I reached out to XXXX, they advised me to dispute it with the credit bureau as I am current with my payments and never been late. I even recently received an increase on my credit line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Experian is reporting incorrect information on my XXXX account saying I was late. I hav e never been late. When I reached out to XXXX, they advised me to dispute it with the credit bureau as I am current with my payments and never been late. I even recently received an increase on my credit line.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year> i was charged {$1800.00} from XXXX a ticket agency. 

I immediately contacted my bank to advised them I did not authorized the charge and to have my card shut off. 

I disputed the transaction with them and they advised me to contact the merchant and get supporting documents showing the charges were not authorized. 

I contacted the merchant they emailed me the supporting documents which I sent to my bank. 

So-FI has refused to reimburse me even tho I sent them the documents they requested and also Ive been getting the run around and not getting assistance.

Company response to consumer: Closed with explanation