vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act.

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I recently opened a new business bank account on XX/XX/year> and provided all required information during the in-person appointment, including my valid drivers license with my current California address and my current phone number. Despite this, my debit card was sent to my parents home in Arizona a location I have never lived in. They have only lived there for a couple of years and, to their knowledge, have never had a relationship with this bank. 

When I contacted the bank to understand how this happened, I was told they found an old profile from when I lived in Arizona over a decade ago. However, at that time, I lived independently and not at my parents ' address. Furthermore, the bank had my outdated Arizona phone number on file instead of the one I provided during signup. 

The representative I spoke with could not explain how this information was pulled in or why the current data I submitted was completely ignored. I have followed up multiple times and have gone weeks without a resolution or any meaningful response. I havent even received a basic acknowledgment like well look into it. The lack of urgency is alarming. 

This situation raises serious concerns about data integrity, consumer data handling, and the banks internal systems. If outdated or unrelated personal information can override what is actively submitted during an account setup, it suggests a broader issue that may be affecting more customers.

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 2025-03-24 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 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 2025-03-24 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: FL

Complaint narrative:
I am submitting this complaint against Experian Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; but it is listed incorrectly on my credit report as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; but my credit report shows an outdated address as 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. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-03-24 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Credit Collection Services ( CCS ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

This agency reported a {$550.00} collection account to the credit bureaus without ever contacting me directly or sending me a written notice within 5 days of first reporting the debt, as required by FDCPA 809 ( a ). I was not given the chance to dispute or request validation before the account was added to my credit report. 

I disputed the account and the agency verified it without providing any proof of the debt or fulfilling their obligation under FDCPA to validate it. This is a deceptive practice under FDCPA 807. 

Additionally, the account has inconsistent reporting details across all three bureaus ( XXXX, XXXX, and XXXX ), and continues to damage my credit without validation. 

I am requesting that this account be removed from my credit reports until validation is properly provided and all reporting is accurate and compliant with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$610.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$18000.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$1000.00} XXXX  XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-24 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I sent in {$75000.00} principal payment to do a recast on my loan on XX/XX/year>, UWM received this money and has not processed the payment nor have they sent me confirmation of my new payment. I also sent them in a request to remove my escrow account as I no longer want them to pay my taxes and insurance and they have not completed that request as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
I opened a Cash App Account some time ago and at first there was no issue, but I started getting messages stating my card was locked and I had to wait, or I couldn't access my funds. One time my card was accidentally left in the store I believe I called Cash App and while I was trying to call them, I was unable to speak to someone I contacted them through the app, and I had no response, or did I get my money back they totally ignored me. I submitted all documents, and my claim still was denied. {$1700.00} was stolen off my card and until now I can not get my money back and this was from XXXX. I tried so hard they are rude and ignorant and thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Consumer Report Dear ChexSystems, I am writing to formally dispute certain items on my consumer report as provided by ChexSystems. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge information that I believe to be inaccurate or unverifiable. This letter serves as my formal dispute regarding the following items on my consumer report : Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Numbers : 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 2025-03-24 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 XXXX XXXX XXXX ( XXXX ). 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 non-monetary relief
Consumer complaint received 2025-03-24 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: MO

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 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 2025-03-24 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: FL

Complaint narrative:
Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Urgent Request for Immediate Removal of Fraudulent Account XXXX XXXX XXXX Dear executive office I am writing to you on behalf of my client, XXXX XXXX XXXX XXXX, regarding a serious matter that requires your immediate attention. It has come to our notice that there is a fraudulent account listed in XXXX XXXX credit profile. This account does not belong to him and has been reported without his consent or knowledge. Therefore, we are formally requesting that you take immediate action to remove this account from his credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, consumers have the right to dispute inaccuracies in their credit reports, and it is your obligation to investigate these disputes thoroughly. Furthermore, should the information be found to be unverifiable, you are required to delete it from the consumer 's file. 

Additionally, the presence of erroneous information violates the Uniform Commercial Code ( UCC ) regulations regarding the accuracy and reliability of credit reporting ( UCC 9-501, et seq. ). Any failure to comply with federal regulations and laws governing credit reporting may expose your organization to significant legal liability, including but not limited to lawsuits as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

My clients name must appear accurately on his credit profile ; if there are discrepancies, all associated accounts must be removed without delay. Failure to address this issue promptly will force us to take further action, including but not limited to filing a lawsuit against your agency and seeking damages for violations of the FCRA and any applicable state laws. 

We expect confirmation of the removal of this fraudulent account within 30 days of this letter. If you fail to act accordingly, we will not hesitate to escalate this matter to protect my clients rights and interests. 

Please consider this letter our formal request to rectify this situation immediately. Should you have any questions or require further documentation, do not hesitate to contact me directly at [ Your Phone XXXX ] or XXXX. 

Thank you for your prompt attention to this urgent matter.

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 2025-03-24 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:
Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Urgent Request for Immediate Removal of Fraudulent Account XXXX XXXX XXXX Dear executive office I am writing to you on behalf of my client, XXXX XXXX XXXX XXXX, regarding a serious matter that requires your immediate attention. It has come to our notice that there is a fraudulent account listed in XXXX XXXX credit profile. This account does not belong to him and has been reported without his consent or knowledge. Therefore, we are formally requesting that you take immediate action to remove this account from his credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, consumers have the right to dispute inaccuracies in their credit reports, and it is your obligation to investigate these disputes thoroughly. Furthermore, should the information be found to be unverifiable, you are required to delete it from the consumer 's file. 

Additionally, the presence of erroneous information violates the Uniform Commercial Code ( UCC ) regulations regarding the accuracy and reliability of credit reporting ( UCC 9-501, et seq. ). Any failure to comply with federal regulations and laws governing credit reporting may expose your organization to significant legal liability, including but not limited to lawsuits as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

My clients name must appear accurately on his credit profile ; if there are discrepancies, all associated accounts must be removed without delay. Failure to address this issue promptly will force us to take further action, including but not limited to filing a lawsuit against your agency and seeking damages for violations of the FCRA and any applicable state laws. 

We expect confirmation of the removal of this fraudulent account within 30 days of this letter. If you fail to act accordingly, we will not hesitate to escalate this matter to protect my clients rights and interests. 

Please consider this letter our formal request to rectify this situation immediately. Should you have any questions or require further documentation, do not hesitate to contact me directly at [ Your Phone XXXX ] or XXXX. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There's a medical collections on my credit report for {$67.00} from XXXX XXXX XXXX. This is my second time asking Equifax to remove it from my file. The Illinois Senate Bill 2933, which became law on XX/XX/year>, prohibits consumer reporting agencies from including adverse information related to medical debt in consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief