vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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 not associated with these accounts ; they are required to be removed within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: CA

Complaint narrative:
I did a previous complaint against cash app stating that my account was closed in error after i disputed transactions through XXXX. When disputing there is a message stating our accounts can be closed, which is wrong for consumers when there is rightful charges to dispute. the same day they closed my account and disputes stating fraudulent activity, they also closed my other cash app that has nothing to do with the matter which goes against my consumer rights. and closed my disputes.ALSO they LIED and responded and said in XX/XX/year> and said they requested info that i did not give ( their response attached ) and that they cant proceed with a resolution. I HAVE ATTACHED EMAILS THAT REFUTE THOSE ALLEGATIONS AND THEY CONFIRMING IN THEIR OWN EMAIL THEY RECEIVED THE DOCS ASKED FOR ( ME VERIFYING MY IDENITITY AGAIN!!! A TOTAL OF 10+ TIMES NOW. that was all supposed to be needed to reopen my accounts and disputes .. there is a current lawsuit CFPB ANOTHER ONE NEEDS TO BE MADE HOLD THEM ACCOUNTABLE .. CASH APP DO NOT ASK TO VERIFY MYSELF AGAIN I DID PRIOR AND MY COMPLAINT.OPEN MY ACCOUNTS AND DISPUTES NOW!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MD

Complaint narrative:
As per 15usc 1611 XXXX  TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX. XXXX Federal Trade Commission. 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 2025-12-26 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This XX/XX/XXXX, I deposited the sume of {$3600.00} in a chase atm, the one that is located in the north end, XXXX. In a few words I ve been waiting and waiting and the bank just keeps telling me to wait while they investigate but I really need the money, if they just go and count the money in that atm, they will see that there is extra money in that atm. The bills were all {$100.00} bills and a XXXX. 
Please help me out, chase its not helping me at all. I need the money as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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 not associated with these accounts ; removal within 15 days is required under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
b'On XXXX XXXX I made a payment on my Capital One credit card. I was using my app. I had my daughter XXXX  account information ion the app for years. Her information was there because we made a payment so she could retain an attorney for a custody issue with our grandson XXXX. We put her information on the app so she could make payments on the account. She paid it in full and I never took her account information off the app in case something else came up. On XXXX I mistakenly hit the wrong account. I didnt notice this until I received a late fee for non payment. I immediately remade the $XXXX payment and they had reversed the payment from my account. I didnt think anything about it until after I made an additional $XXXX payment and they put a restriction on both of my accounts. I called and explained it was a mistake and that I have been estranged from my daughter for two years and I cannot contact her. They can look at the history of the accounts and see many payments from that account. They want the statement showing that payment and to have both my daughter and I on the line to tell them that I had permission to use her account. I did before but not this time because it was a MISTAKE. They wont listen to reason. Please help me. The account number is   XXXX XXXX XXXX XXXX Thank you.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CBC Companies, Inc.
State: VA

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 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 2025-12-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Alot of what is on my credit report is outdated/ not accurate

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 2025-12-26 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple credit inquiries currently appearing on my Equifax credit report. I do not recall authorizing these inquiries and am requesting verification of permissible purpose in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please provide documentation proving that I authorized each inquiry listed below. If such documentation can not be produced, I request that these inquiries be removed immediately from my credit file. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Bank Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fair Isaac Corporation Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fair Isaac Corporation Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Duplicate Inquiry ) Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Duplicate Inquiry ) Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ( Duplicate Inquiry ) Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Multiple Inquiries Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( listed twice ), XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX If Equifax can not verify that I provided written authorization or that a permissible purpose existed for each inquiry listed above, I request that they be deleted from my credit report promptly. 
Thank you for your attention to this matter. I expect written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an excellent credit score, however since Capital One took over Kohls, I have never received any statements or bills, I've had to guess on when and how much to pay and twice now they have charged me a late fee of {$29.00} so I have now ( today XX/XX/year> ) requested they close my account. I was told that they did see some account issues on their side however I was never offered a refund, only to switch to paper statements. In lieu of them never sending me statements, I don't feel that paying them nearly {$60.00} in fees is ethical. I will never shop at XXXX  again due to this issue, nor will I ever use Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX CITYis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I opened a consolidation loan in XX/XX/XXXX. The terms of that loan consisted of paying off XXXX credit cards and advancing me XXXX. Fine great is what it sounded. The company was given the pay off amounts for the accounts. XXXX account was paid off no problem, however the second account was returned due to the pay off amount being lower than the regular amount. The check was then returned to one main to issue another payment to the company and issue the difference back to me. I waited a week or so to get an update and had received no update so I called the branch and spoke to the representative in which she told me they were still working on it and was waiting on the manager to take care of the reissue of the check. Another week went by and I heard nothing again so I called again, this time i was told that they needed an address to send the check to so they had me to reach out to the company to get the mailing address for payment. I called and gave the address to one main and waited. I called them to see if I need to make a payment on the account that they were paying off and was told no because they were paying it .. another week went by and I havent heard anything so I called once again this time I spoke with Ty and was told that instead of paying the account off they decided it was best to apply the money back to my loan .. so here I am paying back money I basically never received. Instead the money could have been advanced back to me and let me pay the accounts off. I am now basically paying for money never received or allocated to where my agreed upon contract stated. So I work for a finance company and when any money is applied to a customer account the customer In turn does not have to make a follow up payment. I got an alert on XX/XX/XXXX that my account was past due so I called the branch to see why I needed to make a payment being that a payment was applied to my account on XX/XX/XXXX. I was told that it wasnt a payment it was just a balance adjustment. I then questioned why am I still paying XXXX on the account if the balance was adjusted. I was then appointed to call corporate centric in which they were no help all they did was appoint me back to the branch when I told them I was already directed to call them to settle and get help. They basically told me they couldnt come to a resolution neither. I do not feel that I should be paying XXXX a month for basically XXXX financed. Loan term states that I financed XXXX. I am getting nowhere speaking to neither party!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is related to CFPB complaint # XXXX. 

Please let me know if it is necessary to copy/paste all the details about my complaint included in the previous case/feedback on company 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Included in the download information i sent out Certified Letters to each of the offending companies asking for proof of my debt and to not be contacted by them any further. I am still receiving phone calls from them on a regular basis. Also i received nothing back for these companies i do not call them as they will only take payments and will tell you nothing of the debt you owe or answer you with the proof i requested. They only want me to tell them its mine and when i will pay them. I waited 30 days from the date of receipt of the Certified letters and received nothing in return. So i filled a dispute shown in the letter in the zip file with the credit bureau and instead of actually removing it or getting proof they responded to me they marked them updated or updated and verified with no real proof the debt is mine. I have included there results as well. I would like to have them removed as per the law if the creditor does not respond with in 30 days of receipt of the letter then it is suppose to be removed not a false check as they did in these cases. Had they provided a letter that the creditor had sent to me with the appropriate information i would have accepted this they did not.

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 2025-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Oquirrh Mountain Law Group, P.C.
State: KS

Complaint narrative:
Lexington Law. I got an email telling me a check that was issued has not been cashed and I did not receive it

Company response to consumer: Closed with explanation