vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to the Consumer Financial Protection Bureau regarding the Equifax data breaches of XXXX and XXXX, which directly impacted me as a consumer. These incidents compromised highly sensitive personal and financial data, including Social Security numbers, addresses, birth dates, and other identifiers. 

As a result of Equifaxs failure to safeguard consumer information, I believe my personal and financial data has been placed at risk of ongoing identity theft, fraud, and credit report inaccuracies. Despite years having passed, the harm continues because my credit file may be inherently unreliable and compromised.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Equifax and all consumer reporting agencies are required to : Ensure maximum possible accuracy in consumer reports ( 1681e ( b ) ) ; Maintain reasonable procedures to protect consumer confidentiality and prevent unauthorized access ( 1681 ( b ) ) ; Avoid furnishing consumer reports for impermissible purposes ( 1681b ).

Equifaxs inability to prevent the breaches, and the lack of adequate remedies for consumers like me, constitutes a violation of these obligations.

I have requested directly with Equifax ( and the other consumer reporting agencies ) that my credit report be reset and cleared in its entirety, as the data used to build it may be tainted by the breach. However, I am requesting that the CFPB intervene to ensure my rights are upheld under federal law and that appropriate corrective actions are taken. 

At this time, I am not requesting monetary compensation but rather corrective action to protect the accuracy and integrity of my consumer file. 

Please confirm receipt of this complaint and advise me of the next steps that will be taken to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: MA

Complaint narrative:
I am trying to transfer the remaining amount on the direct Express card to the XXXX XXXX XXXX  in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
I am filing this complaint against Equifax and Experian for their failure to respond to multiple written validation requests and their refusal to remove inaccurate and outdated information from my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ). 
Over the past several months, I have mailed multiple certified letters to both Equifax and Experian requesting validation and removal of disputed accounts on my credit reports. Despite my repeated attempts to resolve these matters directly with the credit reporting agencies, both companies have failed to : Provide proper validation of the disputed debts Supply original creditor documentation and updates Remove accounts that have exceeded the XXXX reporting window Respond adequately to my legitimate dispute requests This failure to respond and take corrective action violates my rights under the FCRA and has caused ongoing damage to my creditworthiness. 

The following accounts remain erroneously reported on my credit files despite multiple validation requests : XXXX XXXX Accounts Account # XXXX XXXX XXXX Issue : Reported balance of {$700.00} and payment history are erroneous Facts : Last payment made XX/XX/XXXX ; beyond XXXX reporting window as of XX/XX/XXXX Request : Immediate removal from credit file Account # XXXX XXXX XXXX  Issue : Reported balance of {$780.00} and payment history are inaccurate Facts : Last payment made XX/XX/XXXX ; beyond XXXX reporting window as of XX/XX/XXXX Request : Immediate removal from credit file XXXX XXXX XXXXXXXX Accounts Account XXXX XXXX XXXX XXXX Issue : Account exceeds allowable reporting period Facts : Beyond XXXX reporting window as of XX/XX/XXXX Request : Immediate removal from credit file Account # XXXX XXXX XXXX  Issue : Account exceeds allowable reporting period Facts : Beyond XXXX reporting window as of XX/XX/XXXX Request : Immediate removal from credit file XXXX XXXX XXXX Account # XXXX XXXX XXXX  Issue : Account exceeds allowable reporting period Facts : Beyond XXXX reporting window as of XX/XX/XXXX Request : Immediate removal from credit file XXXX Account # XXXX XXXX XXXX Issue : Account exceeds allowable reporting period Facts : Beyond XXXX reporting window as of XX/XX/XXXX Request : Immediate removal from credit file XXXX XXXX Account # XXXXXXXX XXXX XXXX Issue : Unknown account with no knowledge of debt Facts : Shows no balance, never reported late, potential error Request : Immediate removal from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 15 USC 1681.

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 a 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 if 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 2025-08-18 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:
I am filing a follow up complaint Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ), a consumer reporting agency may only furnish consumer reports for permissible purposes initiated by the consumer or authorized by law. I did not authorize, initiate, or provide consent for the reporting of these disputed charge-off account. Their inclusion on my credit report therefore constitutes an impermissible use of my consumer report information.Additionally, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy in the preparation of consumer reportsXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX/XXXX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
I am filing a follow up complaint Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ), a consumer reporting agency may only furnish consumer reports for permissible purposes initiated by the consumer or authorized by law. I did not authorize, initiate, or provide consent for the reporting of these disputed charge-off account. Their inclusion on my credit report therefore constitutes an impermissible use of my consumer report information.Additionally, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy in the preparation of consumer reportsXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX/XXXX/2024

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 2025-08-18 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX  Original Creditor XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX  Original Creditor XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5000.00}

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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
The collection account ( XXXX ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to XXXX XXXX. XXXX ( b ) ( failure to assure maximum possible accuracy ), XXXX ( failure to conduct a reasonable reinvestigation ), and XXXX ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to XXXX XXXX. XXXX ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro XXXX, containing inconsistencies in dates, balances, and account status across all XXXX  major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My personal information including SSN name address and email was compromised in multiple data breaches including XXXX XXXX and XXXX XXXX. As a result fraudulent accounts were opened in my name without my knowledge or authorization. These accounts are not mine but are still being reported by Experian. The accounts include XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX and XXXX XXXX  XXXX credit card accounts opened XXXX and XXXX. I filed an FTC Identity Theft Report and provided Experian with proof but they have not removed the fraudulent accounts. These accounts are harming my credit and must be blocked and deleted under the Fair Credit Reporting Act section 1681c2.

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 2025-08-18 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: NJ

Complaint narrative:
I am filing this complaint against Credit Collection Services for their attempts to collect an alleged debt without proper validation, their failure to respond to my validation requests, and their unauthorized reporting of unvalidated debt information to credit bureaus, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Credit Collection Services has contacted me claiming that I owe a debt that was allegedly assigned to their office from XXXX. However, I have never received any correspondence from XXXX and have not conducted any business or services with credit collection services. 

Despite having no legitimate basis for this alleged debt, Credit Collection Services has : Reported this unvalidated debt to credit reporting agencies Damaged my credit profile with false information Failed to provide proper debt validation when requested I have made multiple attempts to resolve this matter directly with Credit Collection Services : Sent written validation requests via certified mail, demanding : Original creditor documentation Proof of debt assignment Account statements showing the balance owed Documentation of my alleged business relationship with XXXX  Requested immediate removal of the account from my credit reports Demanded cessation of all collection activities until proper validation is provided CREDIT COLLECTION SERVICES ' VIOLATIONS Despite my repeated written requests, Credit Collection Services has : Failed to respond to my validation requests Refused to provide any documentation supporting the alleged debt Continued reporting unvalidated information to credit bureaus Ignored their legal obligations under the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 15 USC 1681.

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 a 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 if 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 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am disputing this debt reported by Transworld Systems on behalf of XXXX. I requested full validation, and while documents were sent, the charges and fees listed are inaccurate and misleading. The balance has fluctuated and includes an XXXX  XXXX XXXX of {$75.00}, which I never authorized and which XXXX not be legally collectible. Additionally, the monthly statement shows a total due of {$860.00} without any itemization that clearly explains how that amount was calculated. The documents fail to provide a breakdown of services rendered or signed proof that I agreed to these fees or collections. 

I believe this violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as it involves attempts to collect an incorrect amount and possibly unauthorized XXXX fees. I am requesting this collection be deleted from my credit report immediately due to insufficient and inaccurate validation and a failure to prove that the amount being collected is legally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year>2025 a fraudulent transaction took place with my account for {$100.00} I have informed cash app of the fraudulent transaction and they started to investigation I then called the third party which was XXXX where the transaction came from and let them know that they seller was a scam cause I received no more info or could not access my order history from seller XXXX can not do anything unless cash app end up finding issues with the transaction which before I sent them proof of the site that the transaction went through that was now no longer working same with the link connected to the site cashapp denied my claim stating that I did receive the good and services I paid for ( I did not ) and after receiving the paperwork they still did not bother to reinvestigate

Company response to consumer: Closed with explanation