vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
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: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
On XX/XX/year>, I received an email informing me my account had been closed due to it being over drafted for 60 days. Sofi 's email for some reason I labeled as SCAM and is instantly red flagged and blocked by XXXX, so I never was able to see the email. I just recently tried to go on that account and saw it had been closed ; I contacted them about why and that is when I was first informed on the matter. I told them I was willing to pay and that it was an accidental overcharge that occurred form me not changing my card information on my XXXX. Per FDCPA it's not legal for the bank to outright refuse your payment on a legitimate overdraft debt from a closed account. Under federal consumer protection laws and general contract principles, banks must accept payment on debts you owe them, including overdraft balances, as long as the debt is valid and within the statute of limitations. In Colorado, the statute of limitations for a legitimate overdraft debt on a closed bank account is 3 years for written contracts, under C.R.S. 13-80-101 ( 1 ) ( a ). I recorded all call with two-person consent as I live in Colorado, I have multiple employees on recording admitting to violating my rights and the FDCPA directly. I also was given multiple random numbers to call in which they asked for SSN, DOB, name, address and later on I found out these were not Sofi employees I gave this info to. I informed the US department of Sofi of all of this in which they told me there is nothing they can do for me since it was sent to collections. They gave me the number for collections and when I tried to call, at any point within 3 years Sofi is legally required to accept payment in which they refused directly violating my consumer rights. I already sent a demand letter to Sofi in which I received a very generic Ai response from their system. I am seeking for a settlement outside of court, if they are unable to do so I have already contacted my attorney general 's office and have a law firm on retainer. I tried for a week to work this out with Sofi, and I could barely reach an American worker, due to the violation of my consumer rights and FDCPA I am no longer willing to pay off the debt and will require a settlement. I have been put through an immense amount of stress and emotional damage because of actions made by Sofi. If the CFPB is unable to help me with this matter I will just file litigation as I have an immense amount of evidence. I will not be providing recordings per my attorney 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Please see the attached letter. As discussed, I respectfully bring to the Courts attention that my signature was forged by the following individuals : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX  has confirmed the transaction referenced below. I was not present in Massachusetts at the time the loan was notarized, and I was not aware of the transactions until today. 

I respectfully request that the XXXX review this matter and take any appropriate action deemed necessary. I am prepared to provide supporting documentation or testimony as needed. 

Thank you for your attention to this serious matter. 

... 
Respectfully submitted, As for this specific transaction, the XXXXXXXX XXXX XXXXXXXX XXXX of XXXX received an order from XXXX XXXXXXXX XXXX on XX/XX/XXXX for the handling of a refinance loan transaction, for a new loan amount of {$360000.00}. XXXX XXXX Mortgage ( " XXXX '' ) is a XXXX XXXX, XXXX lender that operates primarily online, and offer digital mortgage services nationwide. 
The real property involved in the transaction is located at XXXX XXXX XXXX, XXXX, XXXX  XXXX and in XXXX of XXXX was owned by XXXX XXXX and XXXX XXXX, husband and wife. Per standard procedure, XXXX prepared a title commitment for the refinance transaction which reflected that the real property was encumbered by a mortgage to XXXX XXXX XXXX, as nominee for XXXX XXXX XXXX XXXX, recorded XX/XX/XXXX in the face amount of {$370000.00}. 
Per standard practices in a refinance transaction, XXXX obtained a pay-off statement from XXXX XXXX XXXX XXXX  XXXX attached. The closing on the refinance transaction was held on XX/XX/XXXX where XXXX XXXX and XXXX XXXX executed the closing documents. See attached. 
On XX/XX/XXXX, XXXX informed XXXX that the loan was being cancelled. The borrowers ' funds in the amount of {$5900.00}, which had been collected for closing/funding were returned to the borrowers and that was the end of XXXXXXXX XXXX XXXX in this transaction. 
XXXX was not involved in any manner in the subsequent foreclosure, the transfer of the mortgage from XXXX to US Bank, or any pay-off to XXXX from 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 2025-10-06 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Equifax. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away. 
Additionally, under the XXXX XXXX ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( XXXX ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information. 
No permissible purpose, as shown in XXXX XXXX XXXX ( XXXX ), has been established for Equifax to maintain a credit report on my behalf. 
Equifax has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights. 
Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime. 
The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection. 
Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I am expecting Equifax to take all necessary action to correct and block this information as ordered by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I have disputed this with IC System and requested proof of a signed contract for services. IC System is reporting the same XXXX XXXX XXXX account XXXX  on my credit report. Both entries show the same original balance, status, and collection dates. Duplicate reporting is false, misleading, and violates the Fair Credit Reporting Act. Both entries should be removed.

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 2025-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: IN

Complaint narrative:
XXXX XXXX pursued me aggressively to pressure me into an auto refinance. I was hesitant, but after being reassured by XXXX XXXX that I am qualified to refinance, I decided to move forward. This started in early XXXX via email and phone calls. 

I was aggressively pushed to complete my auto registration with the state of Indiana under the premise that I would not need to make an auto finance payment until XXXX. 

weeks after contracts have been signed, the Power of Attorney documents have been signed and sent. I am being told that XXXX XXXX ( XXXX ) has terminated our legal agreement. I was left a voicemail about this today, XX/XX/XXXX XXXX weeks after I took action on XX/XX/XXXX to refinance with XXXX XXXX. 

I have a XXXX  son. I have recently been promoted, and my compensation agreement has been sent to XXXX XXXX. I will be in an excellent financial position very soon. I have spent money that I do not have based on the promises Ive gotten from your company, XXXX XXXX XXXX. 

They have operated in bad faith, pressured me to move forward, and made poor financial decisions to gain my business. 

Now I am at a loss as to how I will make payments to XXXX, whom I am already late with, because XXXX XXXX XXXX explicitly told me to stop making payments to them. 

I have read the contract there is no contingency plan for them to back out of the agreement. 

I feel that XXXX XXXX has taken advantage of me and explicitly broken the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NJ

Complaint narrative:
Im writing to formally express my concerns regarding XXXX 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 Zelle failed to investigate My claims adequately. they informed me that recovering loss funds was impossible and that tracking these trans was unfeasible. The XXXX  findings indicate that Zelle has not only neglected to protect numerous consumers but also has allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of responsibility and transparency is unacceptable and raises a serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

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, Equifax XXXX XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I received text messages twice from this XXXX I called and asked about my account and I was told that my payments were up to date and I didnt need to make a payment but I also already made a payment for {$77.00} because I even received those texts XXXX received once text message saying that I need to contact them with my lawyer.they were trying to scare me something.but whats not making sense is if my payments are up to day and I dont need to make any payment yet why are they sending me text messages making it seem like I havent been making payments.then sent me a text saying my payment declined when it didnt.i feel like this company is a SCAM because why are they contacting me from all these different numbers and when I googled the numbers people are saying the numbers are SCAM numbers and to stop making payments to the company XXXX XXXX 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 2025-10-06 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-06 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: OH

Complaint narrative:
I have companies reporting things on my credit report that is not fair and I did not give consent to report a few other companies or credit collection agencies, and they are exporting to Trans Union Equifax and experience and I feel like these XXXX agencies have not given me the proper investigation to report these things on my credit report, I have also filed dispute claim letters and disputed with the personal Creditors, and also the credit agencies.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
LVNV Funding LLC is furnishing inaccurate, re-aged, and inflated account information for an alleged XXXX XXXX XXXX  debt. As of my XX/XX/year> pull, the tradeline appears on XXXX XXXX with a reported balance of {$1800.00} ( 130 % of original balance {$1400.00} ), status Placed for collection, and Account information disputed by consumer remarks, yet XXXX continues monthly XXXX  updates through XX/XX/year>. My XXXX  report ( XX/XX/year> ) shows no XXXX tradeline, confirming inconsistent and incomplete furnishing to the XXXX. 

I requested verification from XXXX and the furnisher ( XXXX, original charge-off record, chain of ownership, itemized balance, and identity of the verifier ) per FCRA 1681s-2 ( b ) and 1681i ( a ) ( 6 ) ( B ) ( iii ). XXXX failed to provide any method of verification or supporting documentation within the required timeframe and continues to report the account with an inflated balance and re-dated XXXX constituting illegal re-aging under FCRA 605 ( c ), failure to investigate/verify under FCRA 1681s-2 ( b ), and furnishing incomplete/inaccurate information under FCRA 623 ( a ) ( 2 ). The inflated balance and unexplained additions also raise FDCPA concerns ( misrepresentation of amount owed ). 

Requested relief : ( XXXX ) immediate deletion of this tradeline from all XXXX  ( XXXX, XXXX, XXXX  ) ; or ( XXXX ) full verification within XXXX  days including : original XXXX XXXX XXXX  charge-off statement, documented XXXX  from original creditor, full chain of ownership/assignments, itemized balance ledgers, and identification of the person/department that validated the account. If XXXX can not verify, it must delete this tradeline under FCRA 1681i ( a ) ( 5 ). Attached XXXX XXXX XXXX XXXX XXXX screenshot ( XX/XX/year> ), XXXX  report ( XX/XX/year> ), prior CFPB complaints and dispute letters, and the XXXX XXXX XXXX XXXX showing questions on judgment/ownership. 

Investigate XXXX  furnishing practices for potential systemic FCRA violations.

Company response to consumer: Closed with explanation