vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I am formally disputing a collection account reported by XXXX XXXX XXXX for an alleged debt originally from XXXX XXXX XXXX  ( Account # XXXX ). I have no prior relationship with XXXX XXXX, was never notified of any debt assignment, and have not received any legally sufficient validation or documentation of this account. 

Per my rights under the FDCPA ( 15 U.S.C. 1692g ( b ) ) and FCRA ( 15 U.S.C. 1681i, 1681e ( b ), 1681s-2 ( b ) ), I formally requested : A signed original agreement or application; Complete itemized account history and charges ; Legal proof of assignment or purchase from XXXX ; A copy of the Forward Flow Agreement, which often excludes documentation and disclaims accuracy ; Proof XXXX XXXX XXXX XXXX to collect debt in my state. 

XXXX has not provided this. Meanwhile, they continue reporting a balance of {$690.00} as a collection tradeline, without proof or verification. This violates : FCRA 1681e ( b ) : inaccurate or incomplete information being reported ; FCRA 1681s-2 ( b ) : failure to investigate or correct disputed data ; FDCPA 1692g ( b ) : no validation and no pause in collection ; FDCPA 1692k : continued unlawful collection creates civil liability. 

These violations are supported by case law including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), both affirming strict validation and reporting duties under FDCPA and FCRA.

This also acts as a cease and desist under FDCPA 805 ( c ). If XXXX XXXX can not validate this debt, they must cease all collection activity and delete the tradeline from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Between XXXX and XX/XX/year>, I sent XXXX peer-to-peer XXXX XXXX transfers via SoFi totaling approximately {$3800.00}. These were not purchases or gifts- they were sent under emotional manipulation. The recipient fabricated emergencies ( housing, childcare, food ) to gain sympathy and ceased all contact after receiving the funds. 

I filed disputes under case numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I submitted clear documentation, including screenshots and a PDF with message evidence. SoFi issued provisional credits on XX/XX/year>. They stated that final resolution for most of the cases would occur no later than XX/XX/XXXX. However, XXXX case ( XXXX ) was unexpectedly assigned an XXXX deadline without clear explanation. 

As of XX/XX/XXXX, no final resolution has been communicated for any case. My requests for clarification have gone unanswered. Im requesting full reimbursement, closure on all active disputes, and an explanation for the delay- especially the inconsistent timeline for one case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ), which requires credit reporting agencies to conduct a reasonable investigation into disputed information. Equifax has failed to do so, and as a result, continues to report inaccurate and harmful items on my credit reportcausing measurable damage to my credit standing and emotional distress. 
On XX/XX/XXXX, I submitted a detailed written dispute to Equifax via XXXX XXXX Mail ( Tracking # XXXX ). This dispute included all required identity verification documents : a government-issued photo ID, Social Security XXXX XXXX and a recent bank statement displaying my current address. The letter outlined my request for a full investigation into the following : Multiple inaccurate and negative accounts, including : - Account : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - Inaccurate personal information listed on my credit profile - Unauthorized inquiries XXXX XXXX confirms Equifax received my dispute on XX/XX/XXXX. 
Despite this, I received a response from Equifax dated XX/XX/XXXX, which failed to address the vast majority of my dispute. Instead, they provided a vague and dismissive statement : We have reviewed the identification information. The results are : N : MEMBER NUMBER SUBMITTED NOT REPORTING AS INQUIRY ON CREDIT FILE PLEASE VERIFY THE MEMBER NUMBER AND RESUBMIT YOUR DISPUTE ONLINE. 
This response completely ignored the multiple accounts and issues I disputed, lacked transparency regarding the outcome, and did not comply with the FCRAs requirement for a good-faith investigation within 30 days. By disregarding my clearly outlined concerns and supporting documentation, Equifax has knowingly allowed unverified, inaccurate, and potentially harmful information to remain on my credit report. 
The continued presence of these errors has caused serious harm to my credit reputation and financial opportunities. Equifaxs negligence and noncompliance with federal law should not go unaddressed. 
As supporting evidence, I have attached the following documents : a copy of my original dispute letter with Identity verification documents, the XXXX XXXX Mail receipt Tracking XXXX XXXXXXXX, and Equifaxs response letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-13 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: GA

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 2025-06-13 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: GA

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 2025-06-13 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Sending only the promissory note is not sufficient to verify the delinquency or payment history you are furnishing. They are 5 accounts on my credit report DPT ED/AIDV reporting late payments in XX/XX/year>. I am demanding the following : Evidence supporting the specific delinquency reported such as the billing statements, payment records, and collection history showing how they determined you were 90 days late, and on what basis. A full account payment history including due dates, payment dates, amounts received, and any deferment or forbearance applied. This is essential to validate that the late status is accurate and not a reporting error. Any notices sent to me prior to or at the time of the delinquency. Under the Higher Education Act and standard FCRA practices, you should have been notified of delinquency before a 120-day mark is reported. Confirmation of loan servicing activity since the account transferred between servicers, you must show continuity of records to avoid improper re-aging or duplicate delinquencies. If you can not provide this information, I am requesting that the late payment reporting is removed and the accounts are updated to paid as agreed never late, or removed from my credit report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: WA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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>

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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Self Financial Inc/ Lead Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Dear Self Financial, I am writing to formally dispute and request validation of several accounts being reported to the credit bureaus under your names. These entries contain inconsistencies and conflicting information that I believe may be inaccurate, incomplete, or unverifiable, and I am requesting action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Disputed Accounts : Self Financial Inc/ Lead Bank Opened XX/XX/XXXX Marked as Paid or paying as agreed yet also shows XXXX and XXXX late payments before closure in XX/XX/XXXX. 

There is no clarity on how these delinquencies occurred, especially on an account described as paid as agreed.

Self Financial Inc/ Lead Bank Opened XX/XX/XXXX This older account shows similar contradictions : a paid-as-agreed designation alongside XXXX late marks. 

These entries raise questions about data accuracy and appropriate verification.

Federal Law Requires You to : Ensure accuracy of information furnished to credit bureaus ( 15 U.S.C. 1681s-2 ( a ) ) ; Conduct a reasonable investigation upon consumer dispute, correcting or deleting unverifiable data ( 15 U.S.C. 1681s-2 ( b ) ) ; Resolve disputes within 30 calendar days and notify all credit bureaus of any corrections ( 15 U.S.C. 1681i ( a ) ) ; Report with maximum possible accuracy at all times ( 15 U.S.C. 1681e ( b ) ).

Im Requesting : Full validation documentation for all referenced accounts, including payment history, loan agreements, and default notices if applicable. 

Clarification of how accounts labeled Paid or paying as agreed can simultaneously contain late payment marks. 

If documentation can not substantiate the delinquencies, I respectfully request the immediate removal or correction of the negative reporting from all credit bureaus. 

If these accounts are not properly validated or corrected within the 30-day window required by law, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX And explore legal options under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Please treat this letter as a formal dispute and validation request under the FCRA and respond accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of i
dentity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 XXXXXX/XX/XXXX, Balance : {$0.00} 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/XXXX, Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$590.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-13 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

Accounts in Question : -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/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 non-monetary relief
Consumer complaint received 2025-06-13 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

Accounts in Question : -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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
There were multiple accounts opened in my name during the time of my incarceration, I have proof of my XXXXXXXX and will upload it below

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There were multiple accounts opened in my name during the time of my incarceration, I have proof of my XXXXXXXX and will upload it below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

Accounts in Question : -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/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