vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file.

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified and must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation.

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: WI

Complaint narrative:
My account reporting is inaccurate. My XXXX XXXX account should display " Paid as Agreed. '' They've breached their agreement.

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 2025-06-29 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: WI

Complaint narrative:
My account reporting is inaccurate. My XXXX XXXX account should display " Paid as Agreed. '' They've breached their agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: NJ

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an auto loan at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX and a mobile account at XXXX XXXX XXXX on XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX [ Mailing Address, if available ] [ Email or Fax if sending electronically ] Subject : Request for Account Information Account # XXXX Dear XXXX & XXXX, I am writing regarding the collection account listed under my name with your agency, account number XXXX, reported on XX/XX/2025, with a balance of {$230.00}. 

Please note : this is not a dispute of the account. I am simply requesting clarification and documentation regarding the following details for my personal records : 1. The date of delinquency ( when the account first became past due ).

2. The date of the last payment made on the account.

3. The date the account was charged off, if applicable.

Providing this information will allow me to accurately review and maintain my credit records. Please respond in writing at your earliest convenience. 

Thank you for your cooperation and assistance. 

Sincerely, [ 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 2025-06-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and account # XXXX has violated my rights. 

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.

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 2025-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
As with many others it appears that the only way to get this online bank to comply with legal requests is to file a complaint. 

I will keep this short. I requested that they close my account, thats the entire account, not just the savings. They only complied with closing the checking/savings and not the entire account for a few hours and then reopened the savings account by posting a debit/credit that I had not made. 

I can not close the account through the app as I have unlinked the bank account I had used to fund it. The complete account has to be closed by them. 

I dont want to hear their bs excuses, just close the account, remove and delete my data from their servers, period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MA

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 non-monetary relief
Consumer complaint received 2025-06-29 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: MA

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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
This account was not mine, and after years of fighting to prove it including multiple disputes and fraud claims it was finally removed from my credit report in late 2023. I thought the nightmare was over. But suddenly, with no warning, the same account reappeared under a slightly different name ( XXXX XXXX instead of XXXX XXXX XXXX  XXXX ), as if nothing had happened right before I was about to buy a home. 

Experian then began marking it as charge-off every single month for over XXXX XXXX something that is both legally and ethically wrong. This isnt just inaccurate its deceptive and harmful. I asked for proof that this account belonged to me : a signed contract, validation, anything. I never received a single piece of documentation. Instead, theyve ignored my identity theft claim and let this follow me like a shadow, wrecking my credit all over again. My car was stolen by a predatory tow truck driver a few years back, and due to this constant update, Ive had to walk since. It caused me to lose my job due to regulations they had to follow at a previous place of employment. Its ruined my life. 

The account was found fraudulent and deleted. Then it returned with no justification, and now its destroying my ability to move forward financially or even trust that my credit report reflects reality. It feels deliberate, cruel, and predatory.

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 2025-06-29 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: AL

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file.

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified and must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation.

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without 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 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and their attorneys, Lyons, Doughty & Veldhuis, P.C., are attempting to collect a debt through deceptive, unfair, and illegal litigation practices that violate the Fair Debt Collection Practices Act ( FDCPA ). 

The Improper Lawsuit MCM filed a lawsuit against me on XX/XX/XXXX ( Under Appeal in Circuit Court for XXXX XXXXXXXX XXXX  Case No. XXXX ) for an alleged debt of {$2700.00} from an XXXX XXXX account with XXXX XXXXXXXX XXXX XXXX 


" Sewer Service '' and False Affidavit ( FDCPA Violation ) On XX/XX/XXXX, a process server hired by XXXX 's attorneys improperly left the court summons wedged in my front door handle. I have video surveillance footage documenting this event. Despite this, on XX/XX/XXXX, the server filed a false Affidavit of Service with the court, swearing under oath that service was properly made. Using a false affidavit to prosecute a lawsuit is a deceptive and unfair practice under the FDCPA.

Improper Judgment and Subsequent Admission of Failure Based on this false affidavit, XXXX obtained a default judgment against me. After I filed a motion challenging the service, their process server filed a " Return/Affidavit of Non-Service '' with the court on XX/XX/XXXX. This is a formal admission that service was never completed and the judgment was obtained improperly. XXXX 's counsel acknowledged this in a XX/XX/XXXX email where they stated, " The Affidavit of Service was corrected and re-filed ''. 

Other Deceptive Practices The lawsuit is further flawed because MCM breached the original cardholder agreement by not sending a contractually required 30-day " Notice and Cure '' before filing suit. Additionally, the affidavit supporting the lawsuit was signed by a " Legal Specialist '' in Minnesota with no direct personal knowledge of the account, a practice known as " robo-signing, '' and relied on an internal data spreadsheet instead of authenticated records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Axela Technologies, Inc
State: LA

Complaint narrative:
I disputed a debt with Schwartz Vays that was transferred from a previous HOA and remains unresolved. I requested full validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), including documentation of the original fine and account history. Instead of providing the requested information, they sent form letters saying my dispute was " substantially the same '' as a prior one and directed me to their website which is not sufficient under 15 U.S.C. 1692g. 

On XX/XX/year>, I sent a follow-up letter asserting my rights and reiterating the dispute. In response, Schwartz Vays stated they were placing my account in cease and desist status but simultaneously claimed they would resume collection efforts and warned of potential Lien and Foreclosure.

These contradictory statements, continued threats, and refusal to validate the debt constitute a violation of the FDCPA. The debt stems from a disputed HOA fine that was never resolved before the HOA changed ownership.

I am requesting : Proper validation of the debt, including an itemized breakdown and original documentation.

Immediate cessation of collection threats and improper communication. 

XXXX that no lien or credit reporting will occur until the matter is legally resolved.

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 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
A couple of debt collectors put something on my credit report that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
I spoke with Mohela about reporting late payments of my student loans to XXXX XXXX XXXX XXXX that are on my credit report that is incorrect. I have been approved for the Income Based Repayment program Since XX/XX/XXXX and I renewed XX/XX/XXXX and to this day I am approved and Mohela has been reporting late payments on my credit report since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Zip Co US Inc.
State: VA

Complaint narrative:
-- - Subject : Urgent Dispute Unauthorized Overcharge & Overdraft Caused by Zip Hello, Im writing to report a serious issue with my account regarding a transaction made through the Zip payment platform. 

On [ insert date ], I made a purchase using Zip for a total of {$190.00}. I paid {$34.00} upfront as agreed. However, Zip : Overcharged my bank account, causing an unauthorized overdraft Declined my card at the store after I had already paid Left me without access to the funds I needed for essential items like food and gas This situation was completely out of my control. I am requesting : XXXX. An investigation into the charge XXXX. Reversal of any overdraft or NSF fees XXXX. Assistance accessing funds if any temporary holds were placed Ive already contacted Zip directly, but Im also preparing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) if this is not resolved quickly. 

Please treat this with urgency, as it has caused financial hardship and emotional stress. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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