vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am filing this complaint against JEFFERSON CAPITAL SYSTEMS for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ).

This company began collection efforts against me without ever providing the legally required written debt validation notice. Under 15 U.S.C. 1692g ( a ), a debt collector must, within five days of the initial communication, send a written notice that includes : The amount of the alleged debt ; The name of the current creditor ; Notice of my right to dispute the debt within 30 days ; Notice that verification of the debt will be provided if I dispute it in writing ; The name and address of the original creditor upon written request. 
To date, I have not received any such communication, yet the debt collector has moved forward with collection efforts. This is a direct violation of federal law. 

As a result of this noncompliance, I am requesting that : All collection activity cease immediately ; The account be permanently removed from all records, including any reporting to the credit bureaus ; The debt be considered invalid and uncollectible due to the failure to provide the required written notice within the timeframe set by law. 
I am requesting that the CFPB take enforcement action as appropriate. Thank you for your help in protecting my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XXXX XX/XX/year> To : Pressler , Felt & Warshaw , LLP XXXX XXXX XXXX XXXX, NJ XXXX RE : Notice of XXXX Status Pre-Litigation Warning Under the XXXX XXXX : Office of the Attorney General Commonwealth of Pennsylvania Consumer Protection Division XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is formal notice that I, XXXX XXXX XXXX, am a XXXX individual protected under the Americans with XXXX XXXX ( XXXX ). I receive Social Security XXXX XXXX ( SSDI ) as my sole source of income, and I possess no attachable assets, rendering me legally judgment-proof under both federal and Pennsylvania law . You have either filed or obtained a civil judgment against me in connection with an alleged debt, despite the fact that this action serves no legal or financial purpose and appears designed to harass or intimidate.

As you should be aware : SSDI benefits are exempt from collection under 42 U.S.C. 407.

ADA Title II and Title III prohibit actions that disproportionately burden or discriminate against XXXX individuals. 
I am diagnosed with XXXX XXXX XXXX ( XXXX ), which substantially limits multiple major life activities, including my ability to navigate adversarial legal actions and protect my own legal interests without accommodation. 

Despite my clear status as a vulnerable adult, your firm has pursued or enforced a civil judgment with full knowledge that : I can not pay ; You can not lawfully collect ; And the stress and confusion this process causes have a disproportionately harmful impact due to my XXXX. 

This letter serves as your final warning. If there are any further attempts to collect on this judgmentwhether through bank account levies, wage garnishment attempts, credit harassment, or communications that fail to consider my protected statusI will pursue appropriate action, including but not limited to : Filing a complaint with the U.S. Department of Justice Civil Rights Division for ADA violations ; Lodging a formal complaint with the Pennsylvania Attorney Generals Office for predatory debt collection ; Exploring civil remedies for emotional distress and unlawful collection practices under both state and federal law. 

I am requesting the following immediate actions : XXXX. Cease and desist from any further collection activity on this matter. 
XXXX. A written acknowledgment of my judgment-proof and XXXX status. 
XXXX. An internal review of your practices to ensure compliance with the XXXX when dealing with XXXX debtors. 

This is not a bluff. I suggest you forward this to your compliance or litigation risk team and spare us both the wasted motion of future enforcement attempts that are as futile as they are unlawful. 

Sincerely, XXXX XXXX XXXX XXXX Recipient | XXXX XXXX | XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I transferred some crypto from my cold storage wallet to Coinbase account and was missing the memo tag on the transfer. The crypto was sent to Coinbase wallet and now needs to be manually looked up to credit my account. The crypto was sent on XXXX/25. I immediately contacted customer support as the crypto didnt get applied to my account. I was initially told that it would take a max of 7 days to get the issue resolved. I kept contacting support via chat and also call backs. On XXXX/25 I was finally able to send a text transfer from my cold storage wallet to Coinbase wallet. I was told it would take a maximum of 3 more days to get my account credited with the missing crypto. On XXXX/25 I received an email from Coinbase stating the issue has been resolved and apology from Coinbase and to reach out to support if I needed further assistance. Still nothing has been credited, and now I keep getting the run around from customer support with constant apologies and now results. XXXX date is XXXX/25. Im 21 days into trying to collect the missing crypto. Ive sent them the transaction hash for the transfer multiple times including screen shots, the time stamp of the transfer, the amount sent, Ive sent test transfers on two different occasions ( on XXXX/25, and again on XXXX/25. I keep getting the runaround with apologies and false promises to get the issue resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-26 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: Affirm Holdings, Inc
State: NV

Complaint narrative:
This is a formal demand for the removal of closed accounts with late payment notations from my credit reports. The continued reporting of this information constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) and federal laws under 15 U.S.C. 1681, which govern the accuracy, fairness, and privacy of consumer information. 
The closed account in question, associated with [ Account Name : XXXX and Account Number : XXXX ], have been reviewed and deemed to contain inaccurate or unverifiable late payment notations. Please have this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Global Lending Services LLC
State: VA

Complaint narrative:
I am writing to formally dispute the following unauthorized credit inquiries that appear on my credit report. I did not initiate any applications for credit, financing, or services with these companies, nor did I authorize them to access my credit file. The inquiries listed below were made without my knowledge or consent : GLOBAL LENDING SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), only entities with a permissible purpose and my explicit consent are allowed to access my credit report. As I did not authorize these inquiries, I am requesting that they be removed from my credit file immediately. 

Please investigate this matter and provide written confirmation once these inquiries have been deleted. I have also enclosed a copy of my identification for verification purposes. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
I'm victim of identity theft someone using my personal information trying to apply for auto loans, credit cards, 2 credit card already opened on my name fraudulently, this all fraudulent information hav to removed from my credit report credit cards : XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX XXXX Fraud inquiries XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXXXXXX XXXX  Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX OF XXXX Reported on XX/XX/XXXX XXXX  Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX OF XXXX Reported XXXX XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX AUTO Reported on XX/XX/XXXX 2024

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 2025-05-26 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:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section XXXX of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and delete these items within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX FINANCE Date : XX/XX/XXXX XXXX FINANCE Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX OF XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  FINANC Date : XX/XX/XXXX XXXX  CRE Date : XX/XX/XXXX XXXX  CREDIT VERI Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX BANK Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX C Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XX/XX/XXXX FIN Date : XX/XX/XXXX XX/XX/XXXX FIN Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section XXXX of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and delete these items within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX FINANCE Date : XX/XX/XXXX XXXX FINANCE Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX OF XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  FINANC Date : XX/XX/XXXX XXXX  CRE Date : XX/XX/XXXX XXXX  CREDIT VERI Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX BANK Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX C Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XX/XX/XXXX FIN Date : XX/XX/XXXX XX/XX/XXXX FIN Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are multiple addresses on my credit report that I am not aware of. I never lived there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: MA

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2025-05-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section XXXX of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and delete these items within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX/XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$56.00} XXXX  XXXX - Account XXXX XXXX XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account XXXX XXXX XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX  XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} Inquiries XXXX XX/XX/XXXX/XXXX  FOR Date : XX/XX/XXXX XX/XX/XXXXXXXX  SVC Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX  FINANCIAL Date : XX/XX/XXXX XXXX  FINANCIAL Date : XX/XX/XXXX XXXX/XXXX  FINANC Date : XX/XX/XXXX XXXX  FINANCE LLC/WCG XXXX : XX/XX/XXXX XXXX  LLC XXXX XXXX XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX CPS/MAIL Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX Date : 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 2025-05-26 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: MD

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section XXXX of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and delete these items within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX/XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$56.00} XXXX  XXXX - Account XXXX XXXX XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account XXXX XXXX XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX  XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} Inquiries XXXX XX/XX/XXXX/XXXX  FOR Date : XX/XX/XXXX XX/XX/XXXXXXXX  SVC Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX  FINANCIAL Date : XX/XX/XXXX XXXX  FINANCIAL Date : XX/XX/XXXX XXXX/XXXX  FINANC Date : XX/XX/XXXX XXXX  FINANCE LLC/WCG XXXX : XX/XX/XXXX XXXX  LLC XXXX XXXX XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX CPS/MAIL Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I filed a dispute with SoFi Bank regarding a {$400.00} XXXX payment I sent on XX/XX/year>, to a person I believed was a realtor helping me secure an apartment. She claimed I was approved and asked me to send a deposit via XXXX. After I sent the funds, she stopped responding to my messages and has not delivered any services or proof of application/approval. It is now clear that I was misled and scammed. 

I promptly filed a dispute with SoFi. It was denied without a clear explanation. I asked for more information and filed an appeal, which has also been denied. I have now submitted a XXXX appeal with detailed evidence, including our message history and proof that no services were delivered. 

SoFi has not given a clear reason for denying my claim and appears unwilling to treat this fraudulent activity seriously. I am requesting assistance from the CFPB to have this transaction re-evaluated and to hold SoFi accountable for protecting customers who fall victim to fraud using XXXX. 

I am requesting a full reimbursement of the {$400.00} and a clear explanation for the initial denial and handling of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

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