vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am unaware of this debt, and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account as soon as possible from my report or I will have to take legal action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This is not a casual complaint it is a serious issue that demands immediate action. My credit report contains false and damaging information that clearly violates the standard of maximum possible accuracy. These ongoing errors are having a severe impact on my life.

I am insisting that this matter be fully investigated now. The inaccuracies must be corrected or permanently deleted without excuses or delay. This must be resolved and fast.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to submit a formal follow-up complaint regarding XXXX XXXX XXXX and Equifaxs failure to fully comply with their stated resolution to delete an account from my credit reports.

On XX/XX/year>, XXXX XXXX sent me a notice regarding an alleged XXXX debt totaling {$4200.00}, threatening continued collection and credit reporting for as long as legally allowed. This occurred after I had already submitted a cease communication request in accordance with FDCPA 1692c ( c ), which they ignored.

I escalated this to the CFPB via complaint # XXXX. In their written response dated XX/XX/year>, XXXX XXXX confirmed that they would terminate collection and request deletion of the tradeline. However, as of today, the account is still appearing on my Equifax credit report, despite being removed from XXXX  and XXXX. 

Additionally, XXXX XXXX continues to use a non-itemized XXXX bill as their only form of debt validation, and no supporting documentation ( e.g., contract, account activity, or payment history ) has been provided. This raises serious concerns about the accuracy of the debt and the completeness of their response.

Applicable Violations : - FCRA 1681s-2 ( b ) : XXXX XXXX has not updated or corrected the tradeline across all bureaus.

- FCRA 1681i ( a ) : Equifax has not deleted or corrected the account within 30 days.

- FCRA 1681e ( b ) : Equifax has failed to maintain maximum possible accuracy.

- FDCPA 1692c ( c ), 1692e ( 5 ) ( 10 ), 1692d, and 1692f : XXXX XXXX continued threats and deceptive reporting after acknowledging the resolution. 

Requested Actions : 1. Compel XXXX XXXX XXXX to permanently remove the account from Equifax and confirm full deletion. 
2. Investigate Equifaxs failure to process the deletion request per their duty under FCRA.

3. Hold XXXX XXXX accountable for continued collection threats in violation of cease communication and deceptive practices provisions.

Thank you for your continued support in protecting consumer rights and holding agencies accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The accounts I will list below have many inaccuracies which violated several 15 USC 1681, 1666, and FCRA section 605b. These accounts are listed as charge offs and or prophit loss and have been reported to the IRS as a loss which by law automatically clears the debt owed and makes it illegal to report it on my personal credit report or sell the debt to a collection company and try to collect that debt from me. I am demanding these accounts be removed as the laws say to do so from my personal credit report. The account names are listed below : 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 These accounts are charge off for profit loss and still reporting balances, late payments, past due balances and amounts, monthly payment is late, missing information and account numbers and have provided any proof of ownership baring my personal signiture or proper legal verification which all these are legal reasons for immediate account removal frpm credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-04 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-04 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:
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 30 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 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 2025-06-04 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:
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 30 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Equifax reports and score is not showing. Ive tried for the past three years to resolve the issue and they havent been any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX has posted on my equifax that my account is a charge off and I never received a 1099 also it shows that I have a balance and I cant have a balance if its a charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Follow-Up to CFPB Complaint XXXX XXXXXXXX I previously filed a complaint about a defective XXXX XXXX '' XXXX  XXXX monitor. I submitted proof that I attempted to return the monitor and that XXXX refused to authorize a return, offering repair only. American Express closed the dispute on the grounds that no return occurred, ignoring the fact that I was never given the opportunity to return the product. 

I submitted a screenshot of XXXX written refusal, along with a timeline and evidence of a failed repair. AMEX closed the dispute without addressing these facts. The monitor is still defective and under warranty. I am not trying to keep both the item and the refund I simply have no authorized way to return it. 

I am requesting that this chargeback be reconsidered and that AMEX be required to properly review the documentation and reverse the charge based on the manufacturers failure to honor warranty obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: MD

Complaint narrative:
I was checking my credit report in XX/XX/XXXX, I saw that hunter Warfield had put a collection on my report. I called them and told them that I had already told them that was not me. I had ask back in XX/XX/XXXX for lease agreements and receipts where I paid rent. no reply either time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Subject : Fraudulent transactions made under deception while working {$1800.00} and {$1400.00} Details of the incident : On XXXX, XX/XX/year>, around XXXX XXXX, I was working at XXXX XXXX and XXXX XXXX in XXXX XXXX, XXXX, when I received a phone call on the restaurants landline ( XXXX ( XXXX ) XXXX ). 

The person on the phone claimed to be in a business meeting with the restaurant owner and said they were calling on his behalf to coordinate an incoming seafood delivery. They spoke with urgency and confidence, telling me that the restaurant needed to send funds immediately to process or release the shipment, and insisted I follow their instructions quickly. 

Believing this person was working with or on behalf of the owner and genuinely thinking I was helping the business I followed their instructions and completed XXXX money transfers using my Apple Card via the XXXX XXXX mobile application. 

The XXXX unauthorized but manipulated transactions were : {$1800.00} {$1400.00} These payments were made under false pretenses while I was still on the call with the scammer, who kept me on the line the entire time. The restaurant owner was completely unaware of this situation and had not authorized any such request. 

As soon as I realized I had been defrauded, I reported the incident to Apple Card XXXX Goldman Sachs ). However, they denied my claim on the basis that I authorized the transactions myself. While it is true that I completed the transactions, I did so under fraudulent manipulation and deception. I was coerced and misled, believing I was acting on behalf of my employer. 

I am now filing this complaint because : I was clearly a victim of a scam ; I acted in good faith believing I was helping my workplace ; I urgently seek a reconsideration of this case and hope the CFPB can assist in ensuring Apple Card re-evaluates this situation properly under the circumstances of authorized fraud or social engineering fraud. 

I have supporting evidence : The date and time of the call Phone number used by the scammer A statement from my employer confirming he was unaware The Apple Card transaction records A report made to local authorities Please let me know if additional information or documentation is required. 

Thank you for your help. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-04 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Inquiries were made on my credit file without my knowledge or consent and have affected my credit file

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 2025-06-04 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: TX

Complaint narrative:
I have disputed the following accounts several times, even years with no response. When I request a debt validation letter, they never respond with the information I request. They are in violation of the FCRA. I have included the most recent dispute letter I sent to them, and despite this they ignored me. How is this legally possible to treat me like this? I am aware of the lawsuit against XXXX  for XXXX investigations and failure to correct or delete erroneous information after being notified by the consume. Why is Transunion not being held to the same standard?! I need this matter to be resolved immediately!! I requested a detailed validation and certification test where you verify that copies of all disclosures provided regarding the sharing of my non public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). A copy of the records used to verify the cancellation of my accounts. An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. Delete these accounts 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX made a online purchase for {$4700.00} with XXXX which included a {$.00} international card fee imposed by the card issuer, Cash App. The product received was verified as expired by the manufacturer. XXXX has 100 % money back guarantee if not satisfied policy. The Merchant refused to provide a refund when contacted. I filed a dispute to obtain a refund on XX/XX/XXXX Providing the invoice from the Merchant which has the money back guarantee printed at the bottom. As well as the email I received from the manufacturer of the product sent to me stating the product is expired as of XXXX. I received 2 emails from Cash App on XX/XX/XXXX. The first stated they were contacting XXXX for info & I would be updated on the status in 7-10 days. The second email stated that Cash App had resolved the dispute in my favor and was awarded {$.00} I contacted Cash App asking why I only received {$.00}. I was told that no information could be provided and I needed to wait for an update from Cash App dispute department. I asked why I received the email stating the dispute was resolved if it was still pending. Again I was told that no information could be given and I must wait. I have contacted Cash App daily to ask for clarification on the status of my dispute and why I was not issued a full refund. I am told that no information is available and just to wait to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief