vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
I received debt collection letter from Works & Lentz Inc. dated XX/XX/year>, stating I owed money to XXXX XXXX XXXX XXXX and to respond by XX/XX/year>. I sent them a debt validation letter dated XXXX it was mailed with certified XXXX mail on XXXX and delivered to the Works & Lentz office on XXXX. In the letter I stated they had thirty days to send me debt validation documentation. I still had not received any documentation by XXXX so I responded with a seconded communication letter dated XXXX, mailed out certified USPS on XXXX and delivered on XXXX. On XXXX at XXXX an employee from Works & Lentz called trying to collect the debt and also stated that they mailed out the validation documentation to my address listed in the validation letters. The employee stated the documentation was mailed out on XXXX. As of this complaint being typed at XXXX on XXXX I have not received any validation documentation. I have another communication typed that will be mailed out tomorrow ( XXXX ) via certified USPS stating that it has been ( 49 ) days with no validation documentation received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
DEAR FREEDOM MORTGAGE CORP : When I reviewed my credit report recently, I was surprised to see late payments reported on my MORTGAGE account. I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries. I am formally disputing the accuracy, VERIFICATION, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I submitted a request to update my primary address to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and asked that all other addresses be removed. The company has not updated my file as requested and continues to show other addresses that are incorrect or unauthorized.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted a request to update my primary address to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and asked that all other addresses be removed. The company has not updated my file as requested and continues to show other addresses that are incorrect or unauthorized.

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 2025-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Self Financial Inc.
State: PA

Complaint narrative:
I am writhing to dispute the status of my account with XXXX. According to my records the account was paid in full and closed. the current status on my credit report shows Paid, Closed/Never late. i believe this is incorrect regarding the late payment notation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
On XX/XX/year>, I ordered food through my XXXX XXXX for {$110.00}. The food never came and XXXX at the time refused to offer me a delivery or refund even after the restaurant confirmed that the items were never delivered. On XX/XX/year> I filed a dispute with my bank ( SOFI ) for {$110.00} then the investigation started. On XX/XX/year> XXXX issued a refund for {$100.00} after several back and forth with XXXX and my bank ( SOFI ). I was advised that I should receive the refund between XXXX business days ( I have never waited longer than XXXX business days ). As we speak I still have not received my refund. My bank ( SOFI ) made me feel that XXXX never initiated this refund despite all evidence of screenshots that I sent to validate that a refund was accurately issued. They have so many conflicting information by several account managers even based in The United States with condescending attitudes and remarks. SOFI has provided redemption points to compensate for my frustration however its absolutely ridiculous to have a bank to lacks integrity, accountability, transparency and communication regarding dispute charges. I have been receiving the same generic e-mails about the XXXX policy in completing an investigation and coming up with a resolution without addressing all the evidence I have sent. The last one that broke the Camels back for me was when I presented the Trace ID Number for the refund and still there was no sense of urgency to resolving this matter. I went to to the extent of asking the Account Managers if the dispute on file could have prevented the refund from posting and none of them were able to give me an accurate response. XXXX decided to only give me back {$100.00} out of the {$110.00} because their system could not process the remaining {$9.00} as a refund which was a tip for the driver that never arrived. The {$9.00} was given to me as an uber cash in my app however SOFI has refused to credit my account for {$100.00}. SOFI believed it did me a favor by giving me some rewards points however the mental manipulation from the bank in terms of them making me believe that XXXX never issued a refund is far greater than the compensation and it is going to be challenging to trust this banking institution moving forward. Please I need a resolution to this dispute after all evidence points that this charge has been refunded yet the funds has not reflected in my checking account. The refund issuance date was XX/XX/year> and today is XX/XX/year> and yet nothing. Please assist me in recovering my funds from SOFI. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
Dear Affirm : These XXXX accounts XXXX ; XXXX ;. I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm XXXX unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL 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 2025-10-26 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL 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 non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I am submitting this complaint against Avant/XXXX regarding their continued inaccurate furnishing of information to Experian. 

The Avant/XXXX account ( Account # XXXX ) was opened on XX/XX/XXXX, and closed/charged-off on XX/XX/XXXX. However, Avant/XXXX continues to furnish inaccurate and misleading data, including : XXXX. Rolling late payments reported through XX/XX/XXXX after the account was closed and charged off, XXXX. A balance that exceeds the credit limit ( 127 % utilization ) on a closed account, and XXXX. Contradictory account statuses showing XXXX, XXXX, XXXX Collections, and XXXX XXXX. 



These actions violate the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ), which prohibit furnishers from reporting information they knowor should knowis inaccurate, and require correction and update of previously furnished information. 

Experian has claimed AvantXXXX verified the account as accurate but has provided no documentation or proof of verification. I am requesting that AvantXXXX : Conduct a full reinvestigation, Provide written documentation verifying the accuracy of this debt, and Permanently delete this account from all consumer reporting agencies if proper documentation can not be provided. 


The continued publication of this inaccurate and contradictory data causes ongoing harm to my credit standing and violates federal consumer protection laws. 

Requested Resolution : Permanent deletion of this Avant/XXXX account from all credit reports and written confirmation that no further negative data will be furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: SC

Complaint narrative:
Dispute was filed. It came back verified, but they did not provide the information that was required for verification. According to15 USC 1692c you have violated my rights in lawful communications.

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 2025-10-26 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: U.S. BANCORP
State: FL

Complaint narrative:
I am an XXXX employee. They put our paycheck on a pay card issued by US Bank. I am supposed to be able to transfer this money to an external bank account. My transfers do not work. I get an error message stating, Oops there was an error on our end. It is only temporary. 

I have been calling once a week for a month to resolve this issue. I keep getting the same answers. There is no new information at this time. We will submit a ticket. I will need to submit a ticket for this. There are no updates. 

XXXX of my attempted calls were disconnected on purpose when the agent began to greet me on the phone. This leads me to believe that something nefarious could be going on. 

After my call today, I warned them that I would file a complaint if they did not resolve the issue. The agent stated, have a nice day and hung up the phone. 

US Bank customers should have access to external card transfers and the company is not providing the services like they are supposed to for the last month.

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 2025-10-26 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:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to dispute American Express account # XXXX. This account was opened on XX/XX/XXXX. 
My date of birth is XX/XX/XXXX. 
As of the account opening date, I was XXXX XXXX XXXX and a minor. I lacked the legal capacity to enter into a credit agreement. This account was opened fraudulently and without my consent as a minor. The account report states my responsibility is " XXXX, '' which is impossible for a XXXX. 
I have disputed this with American Express and the credit bureaus multiple times, and they have failed to remove it. American Express continues to penalize me for this account, using it as a reason to deny new applications " Previously closed account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: OH

Complaint narrative:
Remv from my record all this info. I am a victim of identity theft and didnt agree wit dis charge. Pls, remove items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Cease and Desist Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To : Transworld system XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Cease and Desist Notice Dear Transworld system inc I am writing to inform you that I am formally requesting you to cease and desist all contact and communication with me regarding any alleged debt or matter unless it is in strict compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

You are hereby notified that any further attempts to contact me, including by phone, mail, email, text message, or any other means, other than to provide the verification of the alleged debt or to inform me of specific legal action, will be considered a violation of my rights under federal law.

Be advised that failure to comply with this notice may result in me pursuing all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the Office of the Attorney General, as well as civil action against your company or its representatives. 

Please confirm in writing that you have received this notice and that you will honor my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Information Request for Deletion Dear Credit Bureau Representative, I am writing to formally dispute and request the removal of inaccurate and outdated information appearing on my credit report related to XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Phone : XXXX ). 

The account in question is an auto loan that was paid in full as of XX/XX/XXXX. Despite the full payment and closure of this account, negative information continues to be reported on my credit file. This reporting is inaccurate, outdated, and is causing significant hardship to me financially and personally. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate or unverifiable information promptly removed or corrected. I am therefore requesting that the negative information related to this XXXX XXXX XXXX auto loan be investigated and deleted from my credit report. 

Please find enclosed copies of supporting documentation ( such as proof of payment, account statement, or letter of satisfaction ) verifying that the loan was paid in full and that the account should not be reported negatively. 

I also request written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. In addition, due to the financial harm caused by this reporting error, I am seeking acknowledgment of the bureaus responsibility to ensure accuracy and fairness in reporting, and I reserve the right to pursue reimbursement for damages incurred as a result of this error. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : [ XX/XX/XXXX ] Social Security Number ( last XXXX digits ) : XXXX

Company response to consumer: Closed with explanation