vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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:
Dear Sir/Madam, I am writing to formally dispute the reporting of a XXXX XXXX  account XXXX an account number beginning with XXXX, which I categorically affirm was opened as a result of fraud and identity theft. This account does not belong to me, and I request its immediate removal from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

XXXX years ago, I submitted a written request to XXXX XXXX, which provided a formal letter acknowledging that this account is not associated with my identity. Despite this, the account intermittently appears on your agencys reports, only to be removed and then reappear, indicating ongoing reporting inaccuracies and possible systemic errors. 
Under the FCRA, consumers possess the right to dispute inaccurate, incomplete, or unverifiable information and to have such information corrected or removed within 30 days of receipt of a formal dispute. [ 15 U.S. Code 1681i ( a ) - ( c ) ] Specifically, the law mandates the deletion of unverifiable information and the obligation of credit bureaus to conduct a thorough investigation when disputes are raised. 

Furthermore, the XXXX of the United States has recognized the importance of protecting consumers from identity theft, which is a crime that damages your consumers financial reputation and creditworthiness. I am invoking my rights under the FCRA to demand the immediate removal of any and all reporting related to this fraudulent XXXX Bank account. 

Also there is an inquiry from XXXX XXXX that was made on XX/XX/year> that was not me please remove that inquiry as well. I have no accounts with that bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
This complaint is being filed against Leafy Financial for its violation of both federal and state consumer protection laws. Specifically, Leafy Financial has violated the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Texas Finance Code 392.202 by continuing to collect on an alleged debt without providing proper validation upon request. 

On XX/XX/XXXX, Leafy Financial received my written dispute letter and request for validation of debt, which was delivered via certified mail. Under XXXXexas Finance Code 392.202 ( a ) and 15 U.S.C. 1692g ( b ) of the FDCPA, a debt collector must cease all collection activity until they respond with proper validation of the debt. Leafy Financial failed to comply with both statutes.

Despite receiving my letter, Leafy Financial did not provide a reply within the required 30-day timeframe. They also continued collection activityincluding credit reportingon an account they never verified. The account appears on my credit reports under account number XXXX XXXX XXXX XXXX XXXX, and their internal records do not reflect any actual communication or proof of mailing a response to my validation request. 

Under 15 U.S.C. 1692g ( b ), continuing collection efforts without verification is prohibited : If the consumer notifies the debt collector in writing that the debt, or any portion thereof, is disputed the debt collector shall cease collection of the debt until the debt collector obtains verification of the debt and a copy of such verification is mailed to the consumer.

Similarly, Texas Finance Code 392.202 ( c ) states : A debt collector must cease collection efforts until the completion of the review a
nd shall notify the individual in writing of the results of the determination.

To date, no such validation has been mailed to me. Therefore, Leafy Financial is in direct violation of the above laws. There is also no evidence in their internal records that the account was verified, or that any response was mailed. Based on this, I can only assume that the alleged account is the result of identity theft, fraud, or inaccurate reporting. 

Additionally, this conduct aligns with patterns that the Consumer Financial Protection Bureau ( CFPB ) has previously litigated against. In CFPB v. Portfolio Recovery Associates, LLC, No. 2:14-cv-00279 ( E.D. Va. 2015 ), the CFPB sued for similar violations including : Collecting on debts without providing documentation to verify the debt after a consumer disputed it, and failing to adequately respond to consumers ' disputes.

[ Source : CFPB Press Release, CFPB Takes Action Against the Two Largest Debt Buyers, XX/XX/XXXX ] This complaint should serve as formal notice to the CFPB that Leafy Financial has adopted the same unlawful debt collection practices and may be engaging in systemic violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
I have recently reviewed a copy of my consumer credit report as issued by your bureau, dated XX/XX/year>, and identified several entries that are inaccurate, unverifiable, outdated, and in violation of federal consumer protection laws.

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 2025-06-21 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: VA

Complaint narrative:
I received a weird but carefully crafted letter claiming my application was denied. I do not know what they were stating because I did not apply at all. To make matters worse, they put some fake credit score that is carefully vandalized and/or which is persistently vandalizing the national data reporting systems continuously. I suspect persecution, conspiracy to commit fraud, and/or retaliation. Identity theft is not impossible.

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 2025-06-21 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: VA

Complaint narrative:
I received a weird but carefully crafted letter claiming my application was denied. I do not know what they were stating because I did not apply at all. To make matters worse, they put some fake credit score that is carefully vandalized and/or which is persistently vandalizing the national data reporting systems continuously. I suspect persecution, conspiracy to commit fraud, and/or retaliation. Identity theft is not impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX regarding an auto loan account that appears on my Experian credit report as of XX/XX/XXXX. The account shows a status of " charged off, '' with {$19000.00} written off and a current balance of {$20000.00} past due. 

This account was originally opened on XX/XX/XXXX, and closed following the alleged charge-off. I have made a lawful request via Conditional Acceptance for Value, asking XXXX XXXX XXXX XXXX to disclose the chain of title to this alleged debtspecifically identifying any assignments, sales, or transfers of ownership, including securitization activities. 

To date, they have failed to provide any documentation or respond in writing, even though I conditionally accepted their claim upon proof of ownership and rights. This refusal obstructs my ability to determine whether XXXX XXXX maintains standing to report or collect on this account. 

If they can not prove ownership, they may be : Reporting on a debt they no longer legally own ; Failing to issue required IRS Form XXXX after writing off the debt; Concealing potential disposition under IRS Form XXXX ; Withholding disclosure of asset transfers subject to IRS reporting and tax obligations.

This lack of transparency is not only misleading under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), but may also amount to tax fraud or evasion. I reserve the right to submit IRS Forms XXXX, XXXX, XXXX, and Form XXXX to investigate these violations if a proper chain of title is not disclosed. 

I ask the CFPB to compel XXXX XXXX XXXX XXXX to provide the full and accurate chain of title for this debt, and to verify whether they have the legal right to report or collect under 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX regarding an auto loan account that appears on my XXXX  credit report as of XX/XX/XXXX. The account shows a status of " charged off, '' with {$19000.00} written off and a current balance of {$20000.00} past due. 

This account was originally opened on XX/XX/XXXX, and closed following the alleged charge-off. I have made a lawful request via Conditional Acceptance for Value, asking XXXX XXXX XXXX XXXX to disclose the chain of title to this alleged debtspecifically identifying any assignments, sales, or transfers of ownership, including securitization activities. 

To date, they have failed to provide any documentation or respond in writing, even though I conditionally accepted their claim upon proof of ownership and rights. This refusal obstructs my ability to determine whether XXXX XXXX maintains standing to report or collect on this account. 

If they can not prove ownership, they may be : Reporting on a debt they no longer legally own ; Failing to issue required IRS Form XXXX after writing off the debt; Concealing potential disposition under IRS Form XXXX ; Withholding disclosure of asset transfers subject to IRS reporting and tax XXXX. 

This lack of transparency is not only misleading under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), but may also amount to tax fraud or evasion. I reserve the right to submit IRS Forms XXXX, XXXX, XXXX, and Form XXXX to investigate these violations if a proper chain of title is not disclosed. 

I ask the CFPB to compel XXXX XXXX XXXX XXXX to provide the full and accurate chain of title for this debt, and to verify whether they have the legal right to report or collect under 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 2025-06-23 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 reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2025-06-21 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:
Upon checking my credit report I noticed some fraudulent account. Please remove these account from my credit report as it hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
I disputed this on XXXX on XX/XX/year>. I got the run around from them. And all it did was bring my balance to a current date as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
Accounts 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  This letter serves as a formal follow-up to my prior dispute concerning inaccurate information listed on my credit report, specifically the account noted above. I was informed by your office that this item was verified, yet no details regarding the method or scope of that verification were provided.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally obligated to conduct a reasonable reinvestigation and must provide the following : 1. The method of verification used to verify the accuracy of this account ; 2. The name and contact information of the data furnisher who verified the account ; 3. Proof that a reasonable investigation was conducted, including what documentation was reviewed.

Please be advised that simply stating the item was verified is insufficient. Without supporting evidence or documentation, your agency is not in compliance with the FCRA. Failure to provide the requested information and maintain accurate reporting may constitute a willful violation of federal law, subjecting your agency to damages under 15 U.S.C. 1681n and 1681o. 

Accordingly, I request the following actions : - Immediate deletion of the disputed account if you can not substantiate its accuracy ; - A complete written response with the above requested verification information within 15 days.

Please consider this a formal request for compliance, and keep all documentation related to your reinvestigation for legal purposes. I am prepared to escalate this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal remedies if necessary.

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 2025-06-21 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Servicing Solutions, LLC
State: CA

Complaint narrative:
Report # XXXX through Experian Credit Agency . I wrote both Experian and Servicing Solutions ( Account XXXX ) that the debt is Medical debt and can not be reported per Regulation V XXXX and California XXXX and they have continued to report it to negatively impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: HI

Complaint narrative:
I am filing a complaint against American Express for misrepresenting their credit card dispute policy in writing and attempting to prevent me from disputing unauthorized subscription charges from a merchant called XXXXXXXX XXXX. 

Drift is a subscription company that began charging my Amex card monthly without clear consent, login credentials, or any email receipts. I never knowingly enrolled in a subscription, and the company makes it impossible to cancel. I reached out to Amex to dispute the charges, including some dating back to late XXXX. 

An Amex customer service agent falsely told me via chat that the dispute window is limited to XXXX  days, which contradicts American Expresss actual policy that allows disputes up to XXXX  days in many cases especially involving recurring billing, fraud, or deceptive practices. I provided evidence of the merchants misrepresentation, but the agent still insisted the window was only XXXX  days, which is untrue and misleading. 

I have saved screenshots of the conversation where Amex misrepresented their policy and attempted to close the case before initiating a proper dispute investigation. This is unacceptable and violates my consumer rights under the Truth in Lending Act. 

I want American Express to acknowledge and correct the misrepresentation of their dispute timeline. I would recommend they take back their interest on all charges on this card between XX/XX/year> and now as an XXXX branch. 
I request they reopen and fully process my dispute with XXXX XXXX, including charges older than XXXX  days, as part of a recurring fraudulent pattern. 
I also request that Amex provide accurate policy information to all consumers going forward and investigate the agents conduct in misleading cardholders about their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC

Complaint narrative:
hi this is XXXX XXXX seafarer from XXXX recently there is a group of peaople coming on board to offer a money transfer and i send money from them.. 

the teller sent my money on a wrong account number. 

how can you help me about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MoneyLion Inc.
State: CA

Complaint narrative:
I noticed that XXXX dollars was ripped out of my account on the basis of a instacash repayment. This DIDNT make any sense, as I only owed 80 and repaid it the day before. So, I have my paycheck sent to this MoneyLion account, and the second they see money they rip it out despite me trusting them as a bank and finanicla instution. anyway, i know for a fact that i could not possibly owe that much, since youre never even able to borrow that much. They say, i disputed the charge with my bank, which i never ever did. They allowed someone acess to my wccount, to make decisions on behalf of me and then suck my rent money out. no questions asked. no verification, and when i said it was not me and i demand the money back as clearly this is fraud, they were no help ajd hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: SC

Complaint narrative:
Experian has a credit inquiry dated XX/XX/XXXX from a company called XXXX XXXX. 

Experian has shared my consumer credit report without my consent. 

I did not apply for credit with XXXX XXXX on XX/XX/XXXX. Because I already have a loan with XXXXXXXX XXXX which I apply for on XX/XX/XXXX. Therefore a inquiry from XXXXXXXX XXXX  should not be on my credit report twice. 

A picture of my credit report will show two inquiries from XXXX XXXX on my Experian credit report. The PICTURE is attached to this compliant.

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 2025-06-21 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:
" Defendant CRAs received XXXX 's valid identity theft documentation under 15 U.S.C. 1681c-2 ( a ) but failed to block the disputed tradeline within 4 business days, in violation of the Fair Credit Reporting Act. Plaintiff suffered harm to credit reputation and was denied financial opportunities as a direct result. Defendants failure constitutes willful and/or negligent noncompliance under 1681n and 1681o. ''

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