vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Disputed Account ( 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 - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Inaccurate Address Removal Demand FCRA 1681e ( b ) You are reporting address ( es ) on my file that are inaccurate, outdated, or connected to accounts I did not authorize. Pursuant to FCRA 1681e ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy of the information you report. Any unverifiable address must be immediately deleted from my credit file. 
Addresses to Remove : XXXX. Incorrect Name- XXXX XXXX XXXX XXXX. Incorrect DOB - XX/XX/year> XXXX. Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX - XXXX XXXX. EMPLOYER - PRO LINK STAFFING I have provided supporting documentation verifying my current address. Any conflicting address not tied to a verified, authorized account must be deleted. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
Capital One does not support military stationed XXXX  the XXXX. 
Customer Service representatives at Capital One are not able to update your phone number to an out of country phone number. This is important in cases like mine where I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX years and I have turned off my XXXX number and established an Italian phone plan to save a considerable amount of money. Every other XXXX of my banks supports XXXX service members by having the ability to change the country code on your phone number. Capital One does not allow you to use a XXXX XXXX XXXX even though the phone number on file is linked to most two-factor authentication methods. If I lose my physical credit card, I lose the ability to access my account. I called customer service and was passed through four representatives before one said that their " system '' was not built to be able to accommodate a foreign number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX 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 INQUIRIES 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I am formally disputing the accuracy and legality of the collection account reported by CREDIT COLLECTION SERVIC ( Account # XXXX ), with a listed balance of {$560.00}. I have no knowledge of this alleged debt, never received any notice of assignment, and have no relationship or agreement with Credit Collection Services or the original creditor, XXXX XXXX 

This account reflects continuous negative reporting from XX/XX/XXXX through XX/XX/XXXX with no payment activity and no supporting documentation provided. Despite this, the balance has remained static and the account continues to be updated most recently on XX/XX/XXXX while still under dispute. This suggests inaccurate or automated furnishing, violating the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires furnishers to ensure the maximum possible accuracy of data reported. 

Under my rights as established by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and FCRA ( 15 U.S.C. 1681 et seq. ), I am demanding the following : Full legal validation of the alleged debt ; A signed original contract or agreement bearing my signature ; Complete, itemized account history ; Documentation of lawful assignment from XXXXXXXX XXXX to Credit Collection Servic ; Proof of licensing to collect in my state ; Any Forward Flow or Purchase Agreement that would confirm data integrity and transfer of account-level documentation. 

This account appears to have been placed in collection shortly after it was allegedly opened in XX/XX/XXXX, but without any clear communication, billing, or validation attempt. This sudden charge-off-to-collection pipeline raises red flags under FCRA 1681s-2 ( b ) and FDCPA 807, which prohibit deceptive or misleading representations. 

Since you have reported this tradeline and continued to update it during an open dispute without offering full validation, this account may also violate FCRA 1681i regarding reinvestigation duties.

Additionally, this serves as a cease and desist notice under FDCPA 805 ( c ). If you can not provide complete and lawful validation of this debt, you must immediately stop all collection efforts and remove the account from all consumer credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Eastern Account System XXXX XXXX XXXX XXXX, CT XXXX Dear Eastern Account System, I am writing in regard to a collection account you have reported to XXXX  under the name of XXXX XXXX, account number ending in XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am formally requesting : 1.Full validation of the alleged debt.

2.All documentation bearing my signature.

3.A breakdown of the original creditor, balance, and charge-off details. 

Furthermore, under 15 U.S.C. 1692c ( c ), I demand that you cease all forms of communication with me except to provide the debt validation requested.

Until proper validation is received, you are to immediately cease reporting this account to any credit reporting agency. Reporting unverifiable or unvalidated debt is a violation of the FDCPA. 

Sincerely, XXXX 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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Subject : Complaint Regarding Cash App Data Breach and Resulting Fraudulent Activity To Whom It May Concern, I am submitting this complaint regarding a serious breach of personal data through Cash App that ultimately led to me becoming the victim of a scam.

Recently, I discovered that my personal information was compromised due to a data breach involving Cash App. Following this incident, I was contacted by individuals posing as Cash App representatives who had access to enough personal details to appear legitimate. As a result, I was misled into providing sensitive information, which led to unauthorized transactions and financial loss. 

I believe Cash App failed to adequately protect user data and did not issue timely or sufficient notifications regarding the breach, which left me vulnerable to fraud. I am requesting that the CFPB investigate this matter, ensure accountability from Cash App, and provide guidance on how I can be compensated and better protected from further harm. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX  ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-17 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: TX

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/scrub>XXXX XXXX XXXX XXXX. in XXXX, Tx. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX - {$5500.00} ( account # XXXX ) XXXX XXXX XXXXXXXX - {$2800.00} ( account # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year>XXXX  which they failed to respond once again.

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 2025-07-17 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: NC

Complaint narrative:
Under Regulation V ( specifically 12 CFR Part 1022 ), furnishers of information ( which include creditors ) must ensure the information they provide to consumer reporting agencies is accurate. I recently requested and viewed my consumer credit report and disputed items on my report. Under the FCRA section 605B it is illegal to report any information on my consumer credit report without my permission. It is also a violation of FCRA 15 U.S.C. 1681b Permissable Purpose of consumer report. Under 15 U.S.C. 1602 no disclosure was given to consumer to alert consumer of option to opt out of the sharing of NON-PUBLIC PERSONAL INFORMATION. No consent was given to share any of the consumer 's information. This is also a violation of 18 U.S. Code 1028A - Aggravated Identity theft. Please provide consumer with proof of written consent from the consumer that grants lawful authority to share NON-PUBLIC PERSONAL INFORMATION with third party entities. If documentaion can not provide consumer with proof that consumer sent written request to share NON-PUBLIC PERSONAL INFORMATION, account ( s ) in question must Delete account immediately.

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 2025-07-17 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:
Under Regulation V ( specifically 12 CFR Part 1022 ), furnishers of information ( which include creditors ) must ensure the information they provide to consumer reporting agencies is accurate. I recently requested and viewed my consumer credit report and disputed items on my report. Under the FCRA section 605B it is illegal to report any information on my consumer credit report without my permission. It is also a violation of FCRA 15 U.S.C. 1681b Permissable Purpose of consumer report. Under 15 U.S.C. 1602 no disclosure was given to consumer to alert consumer of option to opt out of the sharing of NON-PUBLIC PERSONAL INFORMATION. No consent was given to share any of the consumer 's information. This is also a violation of 18 U.S. Code 1028A - Aggravated Identity theft. Please provide consumer with proof of written consent from the consumer that grants lawful authority to share NON-PUBLIC PERSONAL INFORMATION with third party entities. If documentaion can not provide consumer with proof that consumer sent written request to share NON-PUBLIC PERSONAL INFORMATION, account ( s ) in question must Delete account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$5200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries 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 2025-07-17 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: GA

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 explanation
Consumer complaint received 2025-07-17 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: UT

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights 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 2025-07-17 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am disputing a {$140.00} charge from XXXX on XX/XX/year>, which was applied to my Wells Fargo credit card ( Dispute # XXXX ). The charge is related to customs fees on a personal-use shipment I received from XXXX. 

XXXX incorrectly applied tariffs and brokerage fees to the entire shipment value of {$300.00}, even though only XXXX item valued at {$39.00} ( a chest protector made in XXXX ) was subject to U.S. import duties. The other item ( a jacket made in XXXX ) is not dutiable under U.S. law. 

I contacted both XXXX  and XXXX XXXX. XXXX confirmed the origin of the item determines whether duties apply. XXXX later acknowledged the chest protector was the only dutiable item and updated the classification code but refused to issue a corrected invoice. 

I paid the full amount under protest to retrieve my property and immediately contacted Wells Fargo with a support letter, the original invoice, and all supporting documentation. I sent this via email to XXXX on XX/XX/XXXX and again on XX/XX/XXXX. 

Wells Fargo recently informed me they declined the dispute because I did not provide an invoice for the corrected amount ( {$37.00} ) but this is precisely what XXXX refuses to issue. I am now stuck with an overcharge and no way to get it corrected, even after following all proper channels. 

Im requesting help in resolving this unfair overcharge and in holding XXXX and Wells Fargo accountable.

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