vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX collection account associated with XXXX XXXX XXXX XXXX XXXX This account is inaccurate, unlawfully furnished, and must be permanently deleted under the Fair Credit Reporting Act ( FCRA ). 

LEGAL GROUNDS FOR DELETION 1. FCRA 605B Identity Theft / Unlawful Furnishing Block I am submitting a police report ( # XXXX ) filed with the XXXX XXXX XXXXXXXX Police Department documenting that this alleged debt was unlawfully reported and furnished in violation of state and federal law. Under FCRA 605B, the CRA must block and delete this account within XXXX business days. 

2. Florida Statute XXXX ( XXXX ) ( a ) XXXX Notice Violation The landlord ( XXXX XXXX ) never provided the mandatory XXXX written notice required before assessing ANY claim, damages, or balance. Instead, they created a ledger XXXX days after move-out, which is illegal. Any debt created in violation of XXXX is invalid and uncollectible. 

3. XXXX XXXX XXXX ( XXXX ) ( b ) XXXX Dispute Period Violated I was never provided the required XXXX window to object to charges before the landlord transferred the alleged debt to XXXX. This makes the debt void. 

4. False DOFD FCRA 623 ( a ) ( 5 ) Violation NCS and Portofino fabricated a Date of First Delinquency of XX/XX/2025, even though the unit was returned on XX/XX/2025 and no notice was ever provided. Reporting a false DOFD is a direct violation of FCRA 623 ( a ) ( 5 ).

5. FCRA 623 ( a ) ( 1 ) ( A ) Reporting Information Known to Be False The landlord and NCS knowingly furnished false, incomplete, and misleading information. This is illegal under federal law.

6. Addendum Is Not Valid The early-termination addendum becomes void when the landlord violates statutory notice requirements. A landlord can not selectively enforce an addendum while simultaneously violating mandatory state laws.

7. Police Report + State Agencies Involved This issue is under investigation by : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( FDACS ) Case # XXXX ( Portofino Landings ) Case # XXXX ( National Credit Systems ) Florida Attorney General Active Complaint Consumer Financial Protection Bureau XXXX CFPB XXXX Filed This confirms the debt is unlawfully furnished and must be deleted immediately.

Requested Resolution Under FCRA 605B, FCRA 611, and FCRA 623, I request : Immediate deletion of the NCS collection Permanent blocking of any future attempts to reinsert Written confirmation once removed Failure to delete will constitute willful non-compliance under FCRA 616 and expose the CRA to federal liability. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX collection account associated with XXXX XXXX XXXX XXXX XXXX This account is inaccurate, unlawfully furnished, and must be permanently deleted under the Fair Credit Reporting Act ( FCRA ). 

LEGAL GROUNDS FOR DELETION 1. FCRA 605B Identity Theft / Unlawful Furnishing Block I am submitting a police report ( # XXXX ) filed with the XXXX XXXX XXXXXXXX Police Department documenting that this alleged debt was unlawfully reported and furnished in violation of state and federal law. Under FCRA 605B, the CRA must block and delete this account within XXXX business days. 

2. Florida Statute XXXX ( XXXX ) ( a ) XXXX Notice Violation The landlord ( XXXX XXXX ) never provided the mandatory XXXX written notice required before assessing ANY claim, damages, or balance. Instead, they created a ledger XXXX days after move-out, which is illegal. Any debt created in violation of XXXX is invalid and uncollectible. 

3. XXXX XXXX XXXX ( XXXX ) ( b ) XXXX Dispute Period Violated I was never provided the required XXXX window to object to charges before the landlord transferred the alleged debt to XXXX. This makes the debt void. 

4. False DOFD FCRA 623 ( a ) ( 5 ) Violation NCS and Portofino fabricated a Date of First Delinquency of XX/XX/2025, even though the unit was returned on XX/XX/2025 and no notice was ever provided. Reporting a false DOFD is a direct violation of FCRA 623 ( a ) ( 5 ).

5. FCRA 623 ( a ) ( 1 ) ( A ) Reporting Information Known to Be False The landlord and NCS knowingly furnished false, incomplete, and misleading information. This is illegal under federal law.

6. Addendum Is Not Valid The early-termination addendum becomes void when the landlord violates statutory notice requirements. A landlord can not selectively enforce an addendum while simultaneously violating mandatory state laws.

7. Police Report + State Agencies Involved This issue is under investigation by : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( FDACS ) Case # XXXX ( Portofino Landings ) Case # XXXX ( National Credit Systems ) Florida Attorney General Active Complaint Consumer Financial Protection Bureau XXXX CFPB XXXX Filed This confirms the debt is unlawfully furnished and must be deleted immediately.

Requested Resolution Under FCRA 605B, FCRA 611, and FCRA 623, I request : Immediate deletion of the NCS collection Permanent blocking of any future attempts to reinsert Written confirmation once removed Failure to delete will constitute willful non-compliance under FCRA 616 and expose the CRA to federal liability. 

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC.
State: FL

Complaint narrative:
In reviewing my credit report, I noticed a SunLoan account that I do not recognize. I have never applied for, opened, or authorized any account or loan with SunLoan. I have no knowledge of this debt. The account appears to have been reported without my consent or verification. 

Once I discovered the account, I requested verification from SunLoan and asked for the following items : A copy of the original signed loan application Any contracts or documents showing my signature The date the account was opened and the payment history Proof of identity used to open the account Any communication or correspondence allegedly sent to me An explanation of how this account was confirmed to belong to me To date, I have not received any valid documentation proving this account is mine. Because I do not recognize this account and have no connection to it, I am disputing its accuracy and requesting that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rossi Law Offices, Ltd
State: CT

Complaint narrative:
XXXX said : Absolutely heres your complete, polished narrative for the new CFPB complaint, ready to paste into the Describe what happened field. 
It references the prior case, integrates all the new evidence, and reads like a professional submission. 

CFPB Complaint Narrative ( Final Version ) This complaint supplements CFPB Case XXXX XXXXXXXX, which was closed on XX/XX/year>. New evidence shows that Rossi Law Offices continued collection activity after receiving my written dispute and after being notified that the alleged debtor was deceased. 

On XX/XX/year>, I sent a written dispute and validation request under 15 U.S.C. 1692g ( b ) regarding a XXXX motor vehicle tax XXXX  claimed I owed. On XX/XX/XXXX, they responded only with a generic tax bill from the XXXX of XXXX identifying information, signature, or proof of my liability. The bill clearly fails to prove that I owed the debt. 

On XX/XX/XXXX, I emailed XXXX stating the debt belonged to my late mother, who shared my name. Despite this notice, XXXX printed and mailed a new collection letter dated XX/XX/XXXX, which I received on XX/XX/XXXX ( confirmed by XXXX delivery record ). They admit they opened my XX/XX/XXXX email before printing the XX/XX/XXXX letter, meaning they knowingly continued collection activity after being told the debtor was deceased and the debt was disputed. 

This violates 1692g ( b ) ( continued collection after dispute without validation ), 1692e ( 2 ) ( A ) and ( 10 ) ( false and misleading representation of a debt ), and 1692f ( unfair collection practice ). They also repeatedly misspelled my name ( XXXX, XXXX XXXX, showing negligent record handling and a pattern of mistaken identity. 

I request that the CFPB : Investigate Rossi Law for continuing collection after dispute and failing to validate the debt. 

Require XXXX to confirm in writing that my information has been permanently removed from this account and that no reporting to credit bureaus will occur. 

Note that this case involves a pattern of identity errors by the City of XXXX XXXX Collector ( a separate complaint will be filed with the CT Attorney General ). 

Attachments : XX/XX/XXXX dispute letter, XXXX tax bill response, XX/XX/XXXX email to XXXX, XX/XX/XXXX letter, and XXXX proof of XX/XX/XXXX delivery. 

Respectfully, XXXX XXXX XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Model Finance Company
State: CA

Complaint narrative:
A finance representative for my XXXX XXXX  ( Model Finance, rep : XXXX XXXX ) illegally disclosed my private loan and repossession information by sending a mass text message to approximately XXXX individuals who are NOT my contacts and whom I never authorized them to contact. They also used threatening and harassing language toward me ( Good luck with the repo agents tonight ), pressured me for immediate payment despite a clear plan to pay in full that day, and misrepresented their ability to pause repossession. I have had a perfect on-time payment history since XX/XX/year> and made a good faith payment while communicating the full payoff time. This situation involves intimidation, privacy violations, and potential FDCPA violations. This all happened at me being XXXX  days late on my loan due to an accidental missed payment.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - 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 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 2025-11-25 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have contacted this company multiple times regarding the alleged debt they are reporting. I first requested proper debt verification, and then requested the method they used to verify this information with the credit bureaus. In response, the company sent a packet containing monthly statements and a generic customer agreement, but they did not provide a signed contract or any agreement bearing my signature. They also failed to provide any documentation showing what evidence was used to verify the information they are furnishing to XXXX XXXX XXXX XXXX 

Because they did not provide proof of the original agreement, proof of liability, or evidence of what was submitted to the credit bureaus, their response does not meet the legal standards for verification under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). They also did not provide any documentation demonstrating compliance with FCRA 1681s-2 ( b ), including verification of dates, balances, or account history. 

Despite this, the company continues to report and verify this account with all three major credit bureaus as accurate. They are furnishing negative information and confirming its accuracy without providing legally sufficient proof, which constitutes violations of FCRA 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( reasonable reinvestigation ), and 1681s-2 ( b ) ( furnisher duties to investigate and verify ), as well as FDCPA 809 ( b ) / 15 USC 1692g ( b ), which requires collection activity to cease until proper validation is provided. 

Due to their continued reporting and verification of unvalidated information, I have also filed reports with the Federal Trade Commission ( FTC ) documenting these violations and the companys failure to provide required verification. 

I am requesting the CFPBs assistance to require the company to provide the full documentation used to verify this account, including the original signed agreement and the evidence they relied on when verifying my disputes. I am also requesting that the company cease reporting and verifying this account until proper validation is provided, and that the account be deleted from all credit bureaus if they can not produce legally sufficient verification. I have acted in good faith, but the company continues to report unverified information, leaving me with no choice but to seek regulatory intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am currently unable to open a checking account because of past banking challenges. I am working with the reporting agencies to correct and update my consumer finance record.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
What Happened I filed a dispute with XXXX for an unauthorized XXXX transaction on XX/XX/year> for {$78.00}. XXXX provisionally credited me, and then reversed the credit based solely on XXXX representment packet, which only contained delivery photos, route maps, and order counts. It did not contain any evidence that I authorized the transaction. 

The merchant packet showed the order was placed from XXXX, XXXX, Massachusetts. I reside in XXXX  and was in XXXX  at the time of the transaction. XXXX did not evaluate this discrepancy or ask me to verify my location. This alone should have triggered a reinvestigation under Regulation XXXX. 

Evidence the Merchant Provided Was False or Misleading XXXX claimed I had placed " XXXX orders '' and XXXX successful orders to this address. This is false. My actual XXXX order history ( which I sent to XXXX ) shows XXXX total orders, including XXXX to my address, and a prior successful chargeback, meaning not all were successful as the merchant represented. 

XXXX did not evaluate this contradictory evidence in their appeal decision. They simply affirmed the original denial without addressing the inaccuracies in the merchant packet. 

Evidence the Merchant Failed to Address I immediately tried to correct the situation by contacting : the driver the restaurant XXXX support None of this mitigation was acknowledged in their representment. XXXX also ignored this during the appeal. 

Regulation Violations XXXX : Relied solely on a merchants delivery data to deny a claim about authorization Ignored contradictory evidence provided by the consumer Failed to investigate unauthorized location/IP data Denied an appeal without evaluating new evidence This violates 12 CFR 1005.11 ( a ) ( 1 ) ( ii ), ( c ) ( 4 ), and ( d ) under Regulation XXXX. 

What I Want I am requesting : A full reinvestigation of my dispute A reversal of XXXX  denial A refund of the unauthorized transaction A written explanation of how XXXX evaluates consumer-provided evidence under XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
After logging into my AMEX XXXX account ( XXXX ), I opened a chat session. Because of the poor customer service, I was going back and forth with customer service for almost XXXX hours. Afterwards, I was told that I had to speak with another department. I was transferred in the chat to another department. I was told that my complaint was not fraud but that I needed to speak with someone else. AGAIN, I was told the complaint wasn't fraud. So they transferred me. I had to begin the conversation again. Consequently, I made a purchase online. The customer service representative went into my account and placed a fraud alert on my account without my permission and without telling me. Then declined the transaction. They sent an email asking me to verify the transaction. I verified the transaction, and they still declined it. I went back to the chat and was told that transaction was approved. I then received a notice from the company that it was declined. I questioned this in the chat and was told that I must call. I called on XX/XX/year> and was told that the system is down and they can't talk to me. There is a saying in the XXXX community amongst the elders when something is really bad. It is called " XXXX poor ''. This was XXXX poor service. I asked that my purchases which needed to be completed at that time, were processed and now the " system is down and they can not help me ''. I had to ask XXXX  times for a supervisor. I was refused to have MY account released as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXXExperian XXXXP.O. Box XXXX TX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Experian Consumer ServicesXXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.XXXXThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.XXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.XXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.XXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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