vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Original CFPB COMPLAINT still not adressing I have requested " N.Y. Comp. Codes R. & Regs. Tit. 23 1.4 - Substantiation of consumer debts '' which must include all of the following information and after XXXX attempts now i have still not gotten " Substination '' which as a NYS resident I am entitled to this information in its entirety without exception. 

A debt collector must substantiate a charged-off debt pursuant to this section only once during the period that the debt collector owns or has the right to collect the debt.

( c ) Substantiation of a charged-off debt shall include : ( 1 ) the signed contract or signed application that created the debt or, if no signed contract or application exists, a copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtor. For a revolving credit account, the most recent monthly statement recording a purchase transaction, payment or balance transfer shall be deemed sufficient to satisfy this requirement ; ( 2 ) the charge-off account statement, or equivalent document, issued by the original creditor to the consumer ; ( 3 ) a statement describing the complete chain of title from the original creditor to the present creditor, includi
ng the date of each assignment, sale, and transfer; and ( 4 ) records reflecting the amount and date of any prior settlement agreement reached in connection with the debt pursuant to section 1.5 of this Part.

( d ) If a consumer requests substantiation of a charged-off debt pursuant to subdivision ( a ) of this section, the debt collector must retain the following documentation until the debt is discharged, sold, or transferred : ( 1 ) evidence of the consumer 's request for substantiation ; and ( 2 ) all documents the debt collector provided in response to the request. 
Notes N.Y. Comp. Codes R. & Regs. Tit. 23 1.4 Adopted, New York State Register December 3, 2014/Volume XXXVI, Issue 48, eff. 12/3/2014 Amended New York State Register September 9, 2015/Volume XXXVII, Issue 36, eff. 9/9/2015XX/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 2025-09-18 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: FL

Complaint narrative:
I notified Experian via certified mail on XXXX XXXX I am a victim of identity theft. I spoke to the agents several times and sent in the requested information of a valid identity theft FTC identity theft report with supporting documents such as a utility bill, Valid Id, social security card, affidavit of truth. 
Experian has automatically replied without investigating and blocking the information from my credit report within XXXX business days upon receiving the identity theft affidavit.

605B block of information resulting from identity theft [ 15 USC Ss 1681c-2 ] states Experian must ( a ) FCRA Section 605B mandates that credit reporting agencies " block '' ( remove ) information from a consumer 's file that is identified as the result of identity theft, within XXXX business days of receiving proper documentation, which includes proof of identity, an identity theft report, and the consumer 's statement that the information is not theirs. This section requires the consumer reporting agency to notify the original information furnisher of the block and ensures that blocked information can not be used in future consumer reports. 
Purpose : To provide a mechanism for victims of identity theft to quickly remove fraudulent information from their credit reports. 
Process : A consumer must provide documentation and a statement to the credit reporting agency, requesting that information resulting from the identity theft be blocked. 
Any information identified by the consumer as being the result of an alleged identity theft. I am requesting the accounts listed in the id theft complaint which are " The Department of Education '' and XXXX XXXX XXXX Be blocked from the consumer report immediately. 
I have several damages and have not been able to obtain credit due to Experians lack of conducting a fair investigation of this identity theft matter. I have sent in all requested documents which show the accounts are not linked to my current address listed on my Identification and should be blocked immediately

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 2025-09-18 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX Date Reported XX/XX/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA XXXX, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. 
Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my XXXX XXXX and ability to obtain favorable credit terms.

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 2025-09-18 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: GA

Complaint narrative:
I am formally disputing the accuracy of the following accounts being reported under my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} Date Opened XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing the accuracy of the following accounts being reported under my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} Date Opened XXXX XX/XX/year>

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 2025-09-18 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: FL

Complaint narrative:
In XX/XX/XXXX, an account with XXXX XXXX XXXX XXXX opened using my identity. I never applied for, authorized, or used this account. The account was later reported as charged off in XX/XX/XXXX with a balance of {$5400.00}, which is inaccurate and not mine. 
I also discovered that several fraudulent addresses have been added to my credit file that do not belong to me. Despite filing disputes with the credit reporting agencies and identifying these items as identity theft, the account and addresses remain. This has caused significant harm to my credit and financial standing. 

PELASE SEE ATTACHMENTS :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: LEXISNEXIS
State: FL

Complaint narrative:
In XX/XX/XXXX, an account with XXXX XXXX XXXX XXXX opened using my identity. I never applied for, authorized, or used this account. The account was later reported as charged off in XX/XX/XXXX with a balance of {$5400.00}, which is inaccurate and not mine. 
I also discovered that several fraudulent addresses have been added to my credit file that do not belong to me. Despite filing disputes with the credit reporting agencies and identifying these items as identity theft, the account and addresses remain. This has caused significant harm to my credit and financial standing. 

PELASE SEE ATTACHMENTS :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: NJ

Complaint narrative:
I purchased XXXX valid Google Play gift cards totaling {$200.00}. Despite multiple attempts to redeem them, Google has refused to activate or apply the funds. I have provided full proof of purchase, card numbers, and all documentation showing I am the rightful owner of these cards.

Over the past several days, I have spent hours in repeated chats and emails with Google Support. I was told my payment profile was restored, yet the gift cards remain blocked. I then received contradictory and inconsistent responses, including a message that there were unspecified inconsistencies with my account. No explanation has been given, no evidence has been provided, and no resolution has been offered.

As a result, Google has effectively withheld {$200.00} of my money without justification. Their refusal to honor or refund the cards amounts to unfair and deceptive business practices. This has caused me significant stress, wasted time, and financial harm.

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 2025-09-18 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: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
XXXX XXXX XXXXXXXXApple Card has XXXX committing fraud against me for a few years now by continuing to report fraudulent information to the credit bureau XXXX has violated my rights. XXXX called several times to speak to someone for assistance and all I've been told was to send in documentation to support my claim. I sent in Police, Report, FTC, driver license, as well as a copy of the perpetrator Driver License with my personal information on it with his face!!! This account was asked to be removed several times from my credit report but I was ignored. 

Then I was told I had a bankruptcy and it was included in the bankruptcy which was not true nor did I receive a XXXX for tax purposes. 

On XXXX a lawsuit was filed in the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXApple Card XXXX see attached petition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS
State: GA

Complaint narrative:
To Whom It XXXX Concern, I am writing to place you on notice that the eviction appearing on my rental screening and/or credit reports is fraudulent and the direct result of identity theft. I did not rent the apartment in question, nor did I authorize anyone to use my personal information for that purpose. This entry is false, inaccurate, and unverifiable, and its continued reporting constitutes a violation of federal law. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), you are required to ensure that all information furnished in consumer reports is accurate, complete, and verifiable. Maintaining a fraudulent eviction that resulted from identity theft violates this requirement. 

Additionally, the XXXX and Accurate Credit Transactions Act ( FACTA ) provides specific protections for victims of identity theft and requires credit reporting agencies and related entities to block and remove fraudulent information upon proper notification. 

If this reporting relates to any collection activity, please be advised that under the Fair Debt Collection Practices Act ( FDCPA, XXXX XXXX. XXXX et seq. ), no debt or related entry arising from fraud or identity theft is valid or collectible. 

I hereby demand that you : Immediately block and remove the fraudulent eviction from all of my rental screening and credit reports. 

XXXX a full investigation of this matter and provide me with written verification of your findings. 

Confirm in writing, within XXXX days of your receipt of this letter, that the fraudulent eviction has been permanently deleted. 

Failure to comply with these requirements XXXX constitute willful noncompliance with federal law, exposing your organization to regulatory complaints, civil liability, and damages. 

Please find enclosed copies of documents verifying my identity, proof of residence, and my FTC Identity Theft Report. These serve as formal notice under federal law that the eviction is fraudulent and must be removed without delay. 

I expect your prompt attention to this urgent matter. Please provide written confirmation once this correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
USBANK will not disclose an ach draft transaction id to me. the act draft from an external account linked to usbank resulted in ach returned fee being charged by usbank to my external account. the usbank misrepresented the account balance by {$1.00} in their app. at this point i am asking for a way to reference this act draw only and usbank is obstructing me at every step. usbank should provide me with the ach transaction id per request

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 2025-09-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt CHASE CREDIT CARD Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt CREDIT CARD Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : XXXX. The name and address of the original creditor. XXXX. A detailed statement of the alleged debt, including the amount and how it was calculated. XXXX. A copy of the original signed debt collection agreement or contract. XXXX. Proof that you are legally authorized to collect this debt. XXXX. A full accounting of payments, interest, fees, and charges applied to the alleged balance. XXXX. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : XXXX. The name and address of the original creditor XXXX. The amount of the alleged debt, including a breakdown of all fees and interest XXXX. A copy of the original agreement or contract bearing my signature look the same on my Id XXXX. Proof that you are authorized to collect this debt XXXX. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation