vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
I am writing to file a complaint against Consumer ADJ regarding inaccurate information they are reporting on my credit report. 

The date of first delinquency and/or the date opened is being reported inaccurately. According to my records, this debt originated in XX/XX/XXXX, but it is now showing an incorrect date XX/XX/XXXX, making the account appear newer than it is. This is a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits re-aging of debt. 

I have contacted the furnisher directly and requested a correction, but the inaccurate information remains. I am requesting that the account either be corrected to reflect the accurate original delinquency date or be removed from my credit report entirely due to FCRA violations. 

I have included supporting documentation and screenshots for your review. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: OK

Complaint narrative:
On XXXX, XXXX XXXX, I tried to log in to my NetSpend account via the app and it would not let me log in. I kept inputting my username and password and it kept redirecting me to the same page to re-enter my username and password. I then tried to log in to the website. Their website was doing the same thing. I gave up after that. Yesterday, XX/XX/XXXX, I tried logging in again and the same thing happened. I read online that NetSpend has been down for days and nobody knows why. I downloaded the NetSpend XXXX app and tried to log in. I input my information, and it said that they were unable to verify me. I called the company, and they initially told me that it would be an XXXX wait. I waited for XXXX minutes before I was able to speak with someone. They told me that they can not unlock my card for me, they can not transfer any money out of my account to another one and that they " can't say '' how long it will be until their issue is fixed. I keep my card locked because I have had several fraudulent charges on my account with XXXX. I now have XXXX funds to use, as I keep my card locked, and have not been able to pay bills for 2 days now. I opted in to receive text alerts every time my account has any money going out or coming in. The last communication that I received from them was on Thursday, XX/XX/XXXX at XXXX XXXX  stating that my direct deposit had come through and I now have {$6500.00} in my account.

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 2025-08-03 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: PA

Complaint narrative:
Step 1 : Understand the Reported Entry Youre dealing with : Creditor : XXXX  Account Type : Auto Loan Status : Charge-off / Profit and Loss Write-Off Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance Remaining : {$7000.00} Highest Balance : {$18000.00} Payment History : 82 % on-time ; last payment XX/XX/XXXX Late Payments Reported : 2 times ( 3059 days ) Current Status : Derogatory Step 2 : Assess Potential Legal Violations Under the FCRA ( 15 U.S. Code 1681 ) and FDCPA ( 15 U.S. Code 1692 ), you have the right to accurate, verifiable, and complete reporting. You can challenge this item if any of the following applies : Possible Dispute Grounds Incorrect Status or Dates : If payment history is inconsistent ( e.g., showing " Warning '' for all months but also reports 82 % on-time payments ), that's a possible reporting error.

If the charge-off was applied before 120180 days of nonpayment, this may be incorrect per FCRA guidelines.

No Validation of Debt ( FDCPA Violation ) : If you never received a proper validation notice or breakdown of the balance when requested, the reporting party may be in violation.

Balance Inconsistency : If the original loan was {$18000.00} and {$7000.00} remains, but a charge-off occurred and the lender continues to report a balance, it may violate FCRAs rules on how charged-off accounts should appear.

Misleading Notation : If a charge-off account is still collecting payments or accruing interest, it can be considered misleading or incomplete, triggering your right to dispute.

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 2025-08-03 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$3800.00} XXXX # XXXX XX/XX/XXXX -- {$730.00} XXXX CARD # XXXX XX/XX/XXXX -- {$2400.00}

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 2025-08-03 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
So I sent money through XXXX  three times to the wrong person. I reported it right away and XXXX  does not want to get my money back. Its almost {$3000.00} and they keep telling me no and I keep filing dispute with them and they keep telling me thats not their problem and that I have to deal with it pretty much so I practically lost out on {$3000.00} for sending money to the wrong person and XXXX  or my bank doesnt wan na do nothing to get the money back for me I dont even know if this gentleman that I sent the money to and I even told XXXX  they can go through my account. I usually do not send money through XXXX  and the gentleman that I accidentally sent the money to three times. I do not know him from a can of paint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, someone has used my identity to obtain goods in my name without my knowledge and consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I am filing a complaint against IC Systems for inaccurate reporting on my credit report regarding a collection account for XXXX. 

The account is being reported as opened in XXXX, which is false. This debt originated in XXXX, and I have documentation to support the correct timeline. 

By re-aging the debt, IC Systems is violating the Fair Credit Reporting Act ( FCRA ), which prohibits furnishers from altering the date of first delinquency ( XXXX  ) in order to extend the time the account remains on my credit report. 

This practice is misleading, damages my credit score unfairly, and misrepresents the age of the debt. I am requesting that the account be immediately removed from all three credit bureaus due to this FCRA violation. 

I have attached supporting documentation and screenshots. Thank you for your 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
Consumer complaint received 2025-08-03 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: IL

Complaint narrative:
On XX/XX/XXXX I attempted to buy two separate sets of tickets from XXXX, but never received either set of tickets and was scammed out of {$380.00}. 

The first purchase was {$110.00} for a set of XXXX tickets to a XXXX concert the same night, XX/XX/XXXX. I received an email saying the tickets were processing. Roughly XXXX minutes later I received a message that they were ready to transfer the tickets, but when I attempted to transfer them I received the error in the screenshot upload XXXX XXXXXXXX XXXX XXXX  XXXX '. I could not receive the tickets. When I got to the venue with my family, we attempted to show them that I had purchased tickets, but they told me they needed the actual tickets, and pointed me to the box office. When I got in the box office they were unable to verify the tickets being valid. Scrambling for a solution I tried buying a second set of tickets through XXXX again and had the same error! The box office said they could not honor the tickets because while they could see stubhubb was trying to transfer something they said they could not validate the tickets and that they could be fakes. 

I NEVER received the tickets for the venue or the show! 

I contacted XXXX on XX/XX/XXXX trying to get my money back per their 'Fan Protect Guarantee ' that states if you do not receive your tickets to attend the concert/show that they will refund you all of your money including the fees. In XXXX XXXX XXXX - XXXX you'll see that they did NOT honor that and told me that I should proceed with a dispute. Awful customer service. 

On XX/XX/XXXX XXXX I filed a dispute with Sofi Bank for both purchases with XXXX. My concern with Sofi is that I've filed disputes with them and I have NEVER received any of the disputed money back from them. They side with the merchant everytime. I will not stand for this anymore, Sofi needs to stand with their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-08-03 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: LA

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX 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 explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than XXXX  days since I reached out.

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 2025-08-03 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: MI

Complaint narrative:
Upon checking my credit report I noticed that XXXX is inaccurately reporting the amount owed and the date the account was opened. Transunion and Experian both says the account was opened XX/XX/XXXX ( 11 months ) and the highest balance held is {$580.00} while Equifax says it was opened XX/XX/XXXX ( 1 year, 10 months ) and the highest balance held is {$800.00}. Also, they are both under XXXX different collection agency names. 
Transunion and Experian accounts are under " southwest credit systems Ip '' while the Equifax account is under " diversified adjustment '' this is very damaging to my account and also very illegal. 
I would like for these accounts to be deleted from my reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: RI

Complaint narrative:
After carefully reviewing my consumer credit reports, I have identified an alarming inconsistency involving a student loan account reported by MOHELA / U.S. Department of Education. This same account appears under three different and undefined account numbers across the XXXX XXXX  reporting agencies : 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 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

Company response to consumer: Untimely response
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/year> Resurgent/LVNV Funding XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SC XXXX XXXX : Cease and Desist Communication Regarding Alleged Debt Re : XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), I am hereby demanding that you cease all communication with me regarding the alleged debt referenced above. 

According to this statute : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt You are therefore instructed to immediately stop all forms of contact with me, including but not limited to telephone calls, letters, emails, and any other means of communication. The only exceptions permitted under the law are : 1. To advise me that your companys further efforts are being terminated ; 2. To notify me that you may invoke specified remedies which are ordinarily invoked by debt collectors ; or 3. To inform me that you intend to invoke a specified remedy.

Please be advised that continued communication outside of the above exceptions will constitute a violation of federal law, and I reserve the right to report such conduct to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

This letter is sent in good faith and with the expectation of your full compliance with the law. I recommend you retain a copy for your records. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I reached out to the company and asked them to validate the debt and respond within 30 days and they have not received or sent out anything but are emailing and sending me mail trying to collect on a debt that they have no ownership of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation