vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
b'Date: XXXX XXXX XXXXnFrom:\nXXXX XXXX\nDate of Birth: XXXX XXXX XXXX XXXX XXXX XXXX\nTo:\nExperian  Consumer Assistance\XXXX XXXX XXXX, TX XXXX\nRe: Formal Debt Verification & Demand for Validation\nPursuant to 15 U.S.C. 1692g & 15 U.S.C. 1681i\nTo Whom It May Concern,\nThis letter serves as a formal dispute and demand for verification of the following charge-off accounts currently being reported on my Experian credit file:\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 XXXXXXXX  Status: Charge-off\nMy Legal Demand\nUnder the FCRA (15 U.S.C. 1681i) you must conduct a reasonable reinvestigation of any disputed item. Under the FDCPA (15 U.S.C. 1692g), furnishers/collectors must provide full validation before these debts can continue to be reported or collected.\nFor each account above, provide:\nThe original signed contract or agreement establishing my legal obligation.\nComplete itemized accounting of the balance (principal, interest, fees, add-ons).\nProof of ownership and authority to report/collect (bill of sale, assignment, chain of title).\nEvidence of strict FCRA compliance (balances, dates of first delinquency, charge-off dates, last payment dates).\nThe full name, title, and direct contact information of the specific individual with whom you claim to have verified each debt. Generic statements that the creditor verified are insufficient.\nConfirmation the reporting is not outside the statute of limitations for collection or reporting under 15 U.S.C. 1681c.\nDo not process this via e-OSCAR. I demand a real investigation by a live person, not an automated system.\nNotice of Federal Violations\nA bill or monthly statement is not validation. A bill is not validation.\nIf you cannot produce the documentation above, you must immediately delete these charge-off accounts from my Experian file.\nContinuing to report unverified/inaccurate information constitutes willful violations, subjecting you to civil liability under 15 U.S.C. 1692k and 15 U.S.C. 1681n/o.\nI am retaining all correspondence. If these items are not fully validated and corrected within 30 days, I will file complaints with the CFPB, FTC, and the Illinois Attorney General, and pursue civil remedies.\nThis is a legal demand. Govern yourselves accordingly.\nSincerely,\XXXX 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 2025-08-24 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: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
I am filing this complaint against my student loan servicer, SoFi, for a failure to provide customer service as advertised, which has prevented me from addressing a time-sensitive issue of fraud on my payment account. I attempted to contact SoFi 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX department during their stated business hours and was incorrectly informed by their automated system that the department was closed. 
Detailed Description of the Problem : On Sunday, XX/XX/year>, I attempted to contact SoFi 's student loan customer service team at approximately XXXX PT, to report fraudulent activity on my payment account that will impact my upcoming student loan payment. 

According to two separate pages on the official SoFi website screenshots attached, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX department is open on Sundays from XXXX XXXX. to XXXXXXXX XXXX  PT. The links to these pages are : XXXX : XXXXXXXX XXXX XXXX XXXX Despite these clearly advertised hours, when I called the phone number provided, ( XXXX ) XXXX ( XXXX ), I was by XXXX that the Student Loan department is closed in weekends. 

This failure to provide customer support during their advertised hours has created an immediate and serious problem for me. I have a critical issue of fraud to resolve, and SoFi 's failure to be available during their own posted hours has prevented me from taking the necessary steps to secure my account and ensure my loan payment is not missed, I don't incur any unnecessary fees, and I don't miss any interest savings with my loan nor my savings account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX and XX/XX/year>, a XXXX  pretended to be my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wired her over {$18000.00} to help her, thinking she would be part of my future. Instead, she scammed me. I used XXXX XXXX, but I paid with my Wells Fargo Autograph credit card. They may or may not reverse the charges. I have coerced debt, and the debt could be cleared with successful chargebacks. I now have to choose between paying my rent and paying off the credit card debt. I'm trying to look for an attorney to sue my ex.

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 2025-08-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian 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 explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To : EXPERIAN Re : Formal Dispute of Charge-Off Account Reporting Dear EXPERIAN, I am writing to formally dispute the reporting of charge-off accounts appearing on my credit file. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

The following charge-off account ( s ) require immediate investigation : 1. XXXX XXXX XXXX : Improper charge-off reporting Under the FCRA : Credit bureaus must ensure maximum possible accuracy of credit files ( 1681e ( b ) ).

If a consumer disputes an entry, a reasonable reinvestigation must be completed within 30 days ( 1681i ).

Any information that can not be verified must be deleted or corrected immediately ( 1681i ( a ) ( 5 ) ).

Regarding Charge-Off Reporting : A charge-off is considered a one-time accounting action by the creditor. Continuous or duplicate reporting of a charge-off by multiple agencies may constitute inaccurate or misleading reporting under the FCRA.

Accounts that are sold, settled, or beyond the statute of limitations must not continue to be reported as active charge-offs.

Under the FDCPA ( if a debt collector is involved ) : Collectors must provide validation of the debt upon request ( 1692g ).

Continuing to report or attempt to collect on a disputed, unverified, or obsolete charge-off violates 1692e ( false/misleading representations ) and 1692f ( unfair practices ).

Accordingly, I demand that you : 1. Investigate and verify the legitimacy of the charge-off reporting.

2. Provide complete validation of the alleged debt, including original creditor, balance calculations, and documentation supporting the charge-off status.

3. Delete or correct any charge-off accounts that are inaccurate, unverified, obsolete, duplicated, or improperly reported.

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, as well as the pursuit of all available legal remedies.

This notice is sent in good faith and with the expectation that you will honor my rights under federal law. 

Sincerely, XXXX XXXX XXXX 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 2025-08-24 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX was assigned an account from LVNV funding which I was disputing. They sent me copies of statements but not the signed agreement or verification that they own the debt and have the right to collect and an itemized statement of the balance. 

I want this account removed from my credit report from LVNV Funding and for them and XXXX to cease collection activity unless I am provided EVERYTHING I asked for and have a right to ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MA

Complaint narrative:
Dear CFPB, UNITED COLLECTION BUREAU : I am filing a complaint regarding a medical debt collection account that appears on my credit report without my knowledge or consent for alleged balance of {$4900.00}??? for account # XXXXXXXX XXXX XXXX XXXX. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX of Bank America contacted me on or about XX/XX/year> concerning several accounts that were open in my name through XXXX different banks and have given me login information to login but unable to login because the accounts has been deactivated from online access. XXXX account contains $ XXXX dollars USD and the other account contains $ XXXX dollars United States dollars. I have made several payments concerning these accounts. Each time I make a payment he comes back with more requests for additional payments but never allowing me to withdraw funds from either account. I have reason to believe that process taken concerning these accounts under international transaction are deceptive, fraudulent deposits in my name, and the company using bad business practices to gain payment from me without ever giving me access to the deposited funds and this action is illegal. Further more the steps taken through email is an unregulated process that is used to manipulate the consumer in violation of consumer protection laws and federal laws govern the international transfer or international bank account which is unfair to the consumer to have to pay excessive fees to gain access to funds deposited in my name. See attached photos.

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 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
Someone opened a American Express Credit Card in my name without my permission. I have no knowledge of who could have done this. This account was opened XX/XX/XXXX Per my credit report. 1st delinquent date was XX/XX/XXXX & card was closed on XX/XX/XXXX. Card reported to my credit report XX/XX/XXXX with a high balance of XXXX. Card had a credit limit of {$6000.00}. I have reached out to American Express all they advised was to contact the credit bureau. This has impacted my credit in a major way. I have now frozen my credit until this is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
On XX/XX/year>, I mailed XXXX XXXX XXXX a formal Debt Validation and Cease Collection Demand. XXXX XXXX received it on XX/XX/year> ( proof attached ). Despite this, on XXXX XXXX XXXX they furnished a derogatory tradeline to Experian, which caused a XXXX score drop. 

Under FDCPA 809 ( b ), collection activity ( including credit reporting ) must stop until validation is provided, and under FCRA 623, furnishers can not report unverifiable or inaccurate information. Experian is continuing to publish and display this unlawful tradeline even though the account is unvalidated, disputed, and retaliatory.

Experians notation that the account meets FCRA requirements is misleading and false, because the debt has never been validated. This tradeline was added only after I exercised my rights in writing, making it a clear act of retaliation intended to damage my credit standing and coerce payment. This violates my rights under FCRA 1681i, which requires Experian to conduct a reasonable reinvestigation and delete unverifiable information.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc.
State: CO

Complaint narrative:
Bounce AI is reporting mathematically impossible information to all credit bureaus : IMPOSSIBLE DATES BEING REPORTED : - Date of First Delinquency : XX/XX/XXXX - Account Opened : XX/XX/XXXX This shows the account was delinquent 7 MONTHS BEFORE IT EXISTED. 

ATTEMPTS TO RESOLVE : XXXX. Filed disputes with all three credit bureaus XXXX. XXXX  completed investigation and shockingly " verified '' these impossible dates as accurate ( Confirmation # XXXX, dated XX/XX/XXXX ) XXXX. Bounce AI continues reporting false information VIOLATIONS : - FCRA Section 623 ( a ) ( 1 ) ( A ) - Furnishing information with knowledge of errors - FCRA Section 623 ( a ) ( 1 ) ( B ) - Systematic reporting errors- FCRA Section 623 ( b ) - Failure to investigate disputes properly REQUESTED RESOLUTION : 1. Immediate deletion from all credit bureaus 2. Cease all collection attempts 3. Written confirmation of deletion 4. Investigation of how this occurred 5. Compensation for credit damage This is not a complex dispute - the dates are impossible. An account can not be delinquent before it exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I have paid off my student loans serviced by Aidvantage. However, when reviewing past information, it seems that my loans had been accruing interest at a time that I was told they would not be accumulating interest. I am trying to obtain the monthly statements from Aidvantage to understand how much interest was being added each month to the value of the loans. I have asked XXXX or XXXX times, and each time they send different information from what I have requested. I have used their chat, telephone, and email contact and they can not send me the information I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX charged off the debt. then, a year later sold the debt to LVNV. I never recieved notice that debt was sold, never consented to the transfer never got a 1099C from XXXX XXXX and dont even recognize this account. Asked LVNV not to contact me they still call and email through a company called resurgent. If XXXX  wrote this off as a profit loss how can they sell to LVNV? also they have it listed as a open account and them as the original creditor on my report. My info was leaked on equifax so without a signature i cant say this account is mine. recieved a photo copy of an old bill to an address i never lived at and want to know how im liable for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: FL

Complaint narrative:
From the XXXX XXXX XX/XX/XXXX I have been in constant contact with Sallie Mae Bank regarding a loan that was charged off in XXXX due to it being inadvertently left out of my repayment program. I contacted Sallie Mae in XX/XX/XXXX to inquire about this loan and how to handle it. I contacted the collections agency and accepted a settlement. I settled the account for less than the full balance around XXXX. The collections agency, XXXX, informed me that my account with them was closed following the settlement and that XXXX does not do credit bureau reporting. I contacted Sallie Mae several times to confirm they had my account, the settlement information, etc. necessary to update the credit bureaus. Some Sallie Mae agents told me that everything was handled and to wait XXXX days, other agents told me they were unsure why I was contacting Sallie Mae , as they did not have my account. XXXX also claims to not have my loan account. Both companies continued to state that I should speak to the other company about the matter. Sallie Mae agents instructed me to file disputes with the documentation I had ( release of debt letter, proof of payment, etc ). I filed disputes with all three credit agencies in XX/XX/XXXX. They have all updated to varying degrees but remain mostly incorrect, maintaining a derogatory status with an open, past due balance that is further damaging my credit. XXXX advice for disagreeing with the outcome of a dispute is to contact the lender directly, which I have already done unsuccessfully. Since Sallie Mae and XXXX both claim to not have ownership of this loan, neither are willing/able to update the credit bureaus, and it seems the credit bureaus can only update the reports to an extent without confirmation from the lender. I settled my debt, I am simply asking for my credit to reflect that.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief