vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXXXXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/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  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 any 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 of 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 2025-04-29 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXXXXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/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  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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
reporting inaccurate information to my consumer report, dates opened, balance owed should be XXXX, it's a charge off account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: NM

Complaint narrative:
Account Collection Management # XXXX, Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Subject : Request for Removal of Old Debt from Credit Report I am writing in regard to the debt listed under my name on my credit report. The account is identified by the reference the company name above and I am requesting the removal of this old debt from my credit report due to the following reasons : XXXX Debt Validation Request :, I am requesting that you provide me with evidence of the debts validity. Specifically, I would like to receive documentation verifying the original creditor, the amount owed, and any relevant details that confirm this debt is legitimate. 
XXXX Request for Removal I respectfully request that you remove this debt from my credit report entirely, as it is negatively impacting my credit score. 
XXXX Statute of Limitations : I kindly request that you confirm the status of this debt and remove any associated negative reporting from my credit report. 
As per my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute any inaccurate or outdated information. I would appreciate your prompt attention to this matter and request that you respond within XXXX  days of receiving this letter. If you fail to respond or provide proper documentation, I will consider the debt invalid, and I will request its immediate removal from my credit record. 
Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Subject : Request for Removal of Old Debt from Credit Report I am writing in regard to the debt listed under my name on my credit report. The account is identified by the reference the company name above and I am requesting the removal of this old debt from my credit report due to the following reasons : 1 Debt Validation Request :, I am requesting that you provide me with evidence of the debts validity. Specifically, I would like to receive documentation verifying the original creditor, the amount owed, and any relevant details that confirm this debt is legitimate. 
2 Request for Removal I respectfully request that you remove this debt from my credit report entirely, as it is negatively impacting my credit score. 
3 Statute of Limitations : I kindly request that you confirm the status of this debt and remove any associated negative reporting from my credit report. 
As per my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute any inaccurate or outdated information. I would appreciate your prompt attention to this matter and request that you respond within 30 days of receiving this letter. If you fail to respond or provide proper documentation, I will consider the debt invalid, and I will request its immediate removal from my credit record. 
Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Collection Systems, Inc.
State: WV

Complaint narrative:
On XX/XX/year>, I sent National Credit Management a formal written dispute of an alleged debt via certified mail, explicitly invoking my rights under 15 U.S.C. 1692g ( b ). In my letter, I demanded that they provide proper validation of the alleged debt and cease all collection activities until such validation was furnished. That same day, I also sent an email to a representative of National Credit Management, informing them that I was formally disputing the debt and requesting that all communications cease immediately. 

According to XXXX tracking records and the signed return receipt, National Credit Management received and signed for my certified dispute letter on XX/XX/year>. Despite receiving my dispute in writing and their clear legal obligation to cease all collection activities, National Credit Management attempted to contact me again on XX/XX/year> without having provided any validation of the debt. Their continued collection activity, without first mailing verification of the debt, is a violation of 15 U.S.C. 1692g ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
I am filing this complaint regarding an account reported on my credit report that I have formally disputed with Experian. 

My Experian report number is XXXX. 

XXXX XXXX XXXX you verified WITHOUT PROOF. 

Despite my request, the item was marked as verified without any documentary evidence being provided to substantiate that the account is mine. 

I am requesting that the credit bureau and the data furnisher provide : A copy of any original signed contract or agreement bearing my signature, A complete payment history showing my involvement, And any application or account initiation records that prove I authorized or opened the account in question. 

Per the FCRA 15 U.S. Code 1681i, I have the right to a reasonable reinvestigation. Verification without evidence is not enough. Simply stating that the furnisher confirmed it is not a proper reinvestigation. I am asking for incontrovertible proof that this is my debt, or I request its immediate removal. 

CFPB, please assist in compelling Experian credit bureau to comply with this federal requirement and furnish the appropriate documentation or delete the item. 

Additionally, I respectfully request that the Consumer Financial Protection Bureau step up enforcement actions against Experian. It is unacceptable that they continue to verify disputed items without providing any documentary proof to consumers. This pattern of behavior suggests a systemic failure to conduct proper reinvestigations, in violation of the FCRA. Consumers deserve transparency and accountability, and Experian should not be permitted to sidestep their legal obligations by relying on unverifiable claims from furnishers. I urge the CFPB to review Experians dispute handling practices and take appropriate regulatory or legal action to ensure compliance with federal law. 

Please be advised : Should Experian fail to ensure that my report is wholly accurate and complete by allowing erroneous information to remain on the report, I will have no choice but to file a complaint with federal trade commission, FTC. 

XXXX XXXX XXXX ( the section is if the credit bureau decided not to read the whole thing and just skim through it. The abbreviation XXXX means too long didnt read in this instance, Im asking the bureau to provide proof and since they didnt, its time to delete the item. 

Thank you for your time and attention.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
XXXXOn XXXX XXXX XXXX I used the Sofi app to move $XXXX  from my Sofi account to my XXXX  banking account. While initiating this transaction, the app buffered/glitched, and it did not show that my transaction went through. I submitted this fund transfer again, only to find out in the following days that the request went through twice. I attempted to log in to Sofi to move the money back as now my account would be negative, but a message showed that I was locked out of my account and encouraged me to call their customer service line. On XXXX XXXX, I called XXXX XXXX XXXX to try to resolve the matter and move the money back to correct the glitched second transaction, but I was told my account was under review and that there was nothing they could do until I received word that my review was finished. On XXXX XXXX I called XXXX XXXX XXXX again and received the same message. On XXXX, I called XXXX XXXX XXXX at XXXX and spoke to XXXX, who directed me to call XXXX. When I called that number at XXXX, XXXX  answered and tried to direct me elsewhere as she could not help me. I said that I had already been transferred and would instead like to be escalated to a supervisor. I waited on the line for an hour, during which time I was told no supervisors were available and I was put on a callback list. XXXX  told me there was no record of my XXXX XXXX  call, so I requested that I receive a log of my call attempts and our conversation notes. XXXX  informed me that she could not send me an email with this information. I have not been able to correct the negative balance in my account only due to Sofi's restrictions. I received an email on XXXX stating that my account was closed and might be reported to a credit bureau. This is entirely unacceptable as my every attempt to reconcile this account was blocked by Sofi's own policies and lacking customer service."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account with XXXX XXXX XXXX opened XX/XX/XXXX, an account with XXXX XXXX XXXXXXXX opened XX/XX/XXXX, an account with XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX, an account with XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX, and an account with XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts or collections as reported aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint private case number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2025-04-29 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account with XXXX XXXX XXXX opened XX/XX/XXXX, an account with XXXX XXXX XXXXXXXX opened XX/XX/XXXX, an account with XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX, an account with XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX, and an account with XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts or collections as reported aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint private case number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-29 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation