vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
Hello, upon checking my credit with my attorney. I found several unauthorized accounts on my credit profile! I found that my name was exposed in the Equifax data breach and possibly the XXXX. I've had a issue with my report before and i placed a alert in my personal statement but i was not aware these accounts were on my profile. Please remove these accounts immediately and block according Consumer Law FCRA 605B. I have also reached out to these companies with legal cease and desist letters. I have several addresses on my profile that are inaccurate also, I've included that information with this report. I will document this report as my official notice before further legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
Hello, upon checking my credit with my attorney. I found several unauthorized accounts on my credit profile! I found that my name was exposed in the Equifax data breach and possibly the XXXX. I've had a issue with my report before and i placed a alert in my personal statement but i was not aware these accounts were on my profile. Please remove these accounts immediately and block according Consumer Law FCRA 605B. I have also reached out to these companies with legal cease and desist letters. I have several addresses on my profile that are inaccurate also, I've included that information with this report. I will document this report as my official notice before further 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 2025-09-30 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This submission serves both as a complaint and an official request for debt validation to CREDIT CONTROL SERVICES INC, facilitated through the CFPB platform. I have attached a letter that outlines the specific documents needed to validate the alleged debt under FDCPA guidelines. These documents include the original signed contract, proof of ownership or assignment of the debt, and a detailed breakdown of how the amount was calculated.

My intent in submitting this through the CFPB is to ensure that my request is properly delivered, documented, and that CREDIT CONTROL SERVICES INC is required to provide a timely and lawful response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX, GA XXXX XX/XX/year> Contract Caller 's INC. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Request for Debt Validation Account Number XXXX. 



Dear Contract Caller 's INC, I am responding to your claim that I owe a debt. This letter is being sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which gives me the right to request validation of this debt.

Please provide me with the following information : The name and address of the original creditor. 

The amount of the alleged debt, including an itemized breakdown of fees, interest, or charges. 

A copy of the original signed agreement or contract establishing the debt. 

Proof that you are legally authorized to collect this debt in New Jersey. 

Documentation that this debt has not passed the statute of limitations. 



Until you provide the requested validation, you must cease all collection activity, including reporting this debt to any credit reporting agencies. If you have already reported it, you are required to notify them of this dispute. 



Please note : I am requesting all communication in writing only. Telephone calls are inconvenient and not permitted. 



Thank you for your cooperation. I expect your response within 30 days as required by law. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: OH

Complaint narrative:
Inaccurate or Unverifiable Accounts XXXX XXXX XXXX XXXX {$0.00} - Paid or paying as agreed XXXX XXXXXXXX {$80.00} - 90 days past due XXXX XXXX {$8400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$1500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$3700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$670.00} XXXX XXXX XXXXC ( Original Creditor : XXXX XXXX XXXX. ) XXXX {$750.00} XXXX XXXX XXXX XXXX {$660.00}

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 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX @ XXXX XXXX XXXX XXXX Charged for phone services {$110.00}. They Declined me Services and refunded Funds on XX/XX/XXXX, Cashapp kept my money and have told lies to keep from returning the funds back to my account. My funds have not been added back due to fraud and intent on the company to keep my funds for interest on the overall account and was possibly hoping i did not realize the money was not returned.

Resolution : Charges for Chargeback fraud, Violation of Banking laws.

Sanctions for fraud and deceit, mental stress, and XXXX 
Cashapp refuse to return the funds {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
In XX/XX/year>, my XXXX XXXX, Discover, and XXXX XXXX credit cards were used fraudulently, resulting in unauthorized charges of approximately {$10000.00}, {$6500.00}, and {$6000.00} respectively. Prior to these incidents, I maintained a strong payment history and responsible credit behavior. These charges do not reflect my financial conduct, and I have reported the fraud to each issuer and am cooperating with their investigations. I respectfully request that these charge-offs be removed from my credit report, as they stem from criminal activity and not my own actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$8800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX60 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-09-30 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: TX

Complaint narrative:
The statement misguides readers about my money ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
I recently received a notification regarding XXXX collection accounts reported on my XXXX credit report, both attributed to Jefferson Capital Systems. The reported amounts were {$400.00} and {$390.00}. 

The {$400.00} account appears familiar, as I paid off this balance in XX/XX/year>. However, the {$390.00} account does not correspond to any debt I recognize. I attempted to verify these accounts through Jefferson Capital Systems website ( myjcap.com ), but found no direct contact options. The site only offers features such as View My Account, Make a Payment, and Consumer Resources, none of which provide meaningful assistance or contact information related to the collections. 

In my efforts to reach someone, I located a phone XXXX XXXX unsure how I came across it. When I called, the individual who answered did not identify the company, nor did they confirm that they were a debt collector. Upon asking, they provided the name XXXX and stated they worked for a company called XXXX XXXX. Regrettably, I shared personal information, including my name, home address, email address, and the last four digits of my Social Security number. 

When I inquired about the collection accounts, XXXX stated he needed to pull a report to verify which credit bureau was reporting them in order to begin the removal process. He said this would require a {$1.00} fee. XXXX then emphasized the need for my credit card information, claiming this was a process I could not complete on my own. 

I explained my occupation and expertise, and I can confidently say his claim was false. These accounts had just appeared on my credit report, and based on the timing, it appears that XXXX XXXX became aware of the collection activity and may have been involved in posting them to my XXXX report on XX/XX/year>. 

This interaction raised serious concerns about the legitimacy of the process and the practices of both Jefferson Capital Systems and XXXX XXXX I am formally requesting that these entities be investigated for potentially engaging in deceptive or unfair credit reporting and collection practices. Consumers deserve transparency, accountability, and protection from misleading or exploitative behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-30 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: TX

Complaint narrative:
XXXX XXXX SS # XXXX DOB- XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA XXXX Breach a FRA Volationt Deletion of Inaccurate/Compromised Information Due to Data To Whom It May Concern, I am writing to you formally regarding my consumer file maintained by TransUnion. This correspondence is being sent pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and is tied directly to the recent TransUnion data breach in which consumer files, including mine, were placed at risk of compromise and potential inaccuracy.

The breach in question undermines TransUnion 's statutory duty under : * FCRA 607 ( b ) - Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

* FCRA 611 ( a ) ( 1 ) ( A ) - Mandating that disputes be reinvestigated in good faith and inaccurate information promptly deleted. 
CREDIT FCRA 605A & 605B - Requiring consumer file protections in instances of suspected compromise, fraud, or identity misuse.

15 USC 1681s-2 ( a ) ( 7 ) : Negative Intormation Notice Given that your own breach jeopardized the chain of custody, accuracy, and reliability of the data in my consumer file, any items currently marked as negative, disputed, or unverifiable mus be treated as compromised. It is no longer possible for TransUnion to reasonably certify these accounts as " accurate '' under federal law, since your systems have already demonstrated failure in safeguarding consumer data. 
Accordingly, I am demanding the immediate and permanent deletion of the following compromised and unverifiable items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Between XXXX XXXX I have received multiple cards opened or attempted to be opened through citi bank. The first was an XXXX XXXX XXXX citi card, followed by an XXXX and XXXX XXXX  XXXX. I have reached out through the XXXX to place a fraud alert on my name. I have also contacted all card companies directly that I am currently aware of that someone is opening accounts fraudulently. They have started investigating on their end and have shut the accounts down. The only place that has obtained my information recently to have all my information was Camping world in XXXX Tennessee when I purchased an RV on XX/XX/XXXX. They sold it to XXXX XXXX XXXX XXXX out of XXXX Maryland. Otherwise I have not shared my information with anyone nor have I attempted to open any other accounts.

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