vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XXXX initially charged me {$120.00} for a service I never used, following a misleading sales call. In late XX/XX/XXXX, I spoke with a representative named XXXX ( XXXX ) who upsold me on internet services and assured me there was a XXXX risk-free trial with a full refund if I canceled. The equipment was shipped on XX/XX/XXXX, and I returned XXXX XX/XX/XXXX. 

I never activated the service or opened the box, and I made multiple attempts to cancel the account within the trial period. Despite this, the cancellation was not processed properly, and I continued to receive bills. 

In the last week of XX/XX/XXXX, I was contacted by a collections agency regarding the {$120.00} charge. Out of concern for my credit, I negotiated and paid {$89.00} to collections ( CBE Group ) just to get it resolvedeven though I should never have been charged anything in the first place. When I asked about disputing the charge, they told me Id need to mail in a dispute with no guarantee of success, and that it might affect my credit in the meantime. 

I also called XXXX again, and they acknowledged that the matter should have been resolved. However, they refused to provide any written confirmation because the account had already been closed in their system. I also have email confirmation that the equipment was returned, yet the billing continued regardless. 

Additionally, XXXX sales agent who misrepresented the servicehas completely stopped responding to my emails, despite being the person who set up this account under false pretenses. 

This experience has been extremely frustrating, and I feel misled, charged unfairly, and pressured into making a payment I did not owefor a service I never used and returned within the promised timeframe.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Experian Information Solutions , Inc., DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass . Bar No. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX Washington , DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, Cal. Bar No. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

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: FL

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This company Capital One signed me up for Credit Wise which I had never heard from before and their website has made it difficult if not impossible to unenroll from. I am not interested and want nothing to do with Capital One or any of their products.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 
1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX NC XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 2025-06-04 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information being reported by XXXXXXXX XXXXXXXX on my credit report concerning the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( opened on XX/XX/2021 ). I have identified multiple discrepancies which violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and potentially the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Issues : 1. Charge Off Status The account shows a charge-off balance of {$750.00}, which I dispute on the grounds of incorrect reporting or mishandling of the account. 
XXXX. Incorrect Addresses Reported : The account is reported with multiple incorrect addresses, including : XXXX XXXX XXXX  XXXX, XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Under the FCRA, all information reported to credit bureaus must be accurate and verifiable ( 15 U.S.C. 1681e ( b ) ). Reporting multiple inaccurate addresses can lead to confusion and potential identity theft, as well as unfairly impacting my credit score.

Legal Basis : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Requires furnishers to provide accurate information to credit reporting agencies and to conduct reasonable investigations into disputed information.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations in debt collection, including incorrect reporting of address or status. 
I demand an immediate and thorough investigation into these discrepancies. Please verify the accuracy of the information reported and remove or correct any false, misleading, or unverifiable data as required by law. Failure to do so will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and potential legal action. 
Please provide me with documentation supporting the legitimacy of this account and confirmation of the address ( es ) used. 
I look forward to your prompt resolution of this matter within the 30-day investigation period mandated by FCRA.

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: EQUIFAX, INC.
State: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information being reported by XXXXXXXX XXXXXXXX on my credit report concerning the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( opened on XX/XX/2021 ). I have identified multiple discrepancies which violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and potentially the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Issues : 1. Charge Off Status The account shows a charge-off balance of {$750.00}, which I dispute on the grounds of incorrect reporting or mishandling of the account. 
XXXX. Incorrect Addresses Reported : The account is reported with multiple incorrect addresses, including : XXXX XXXX XXXX  XXXX, XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Under the FCRA, all information reported to credit bureaus must be accurate and verifiable ( 15 U.S.C. 1681e ( b ) ). Reporting multiple inaccurate addresses can lead to confusion and potential identity theft, as well as unfairly impacting my credit score.

Legal Basis : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Requires furnishers to provide accurate information to credit reporting agencies and to conduct reasonable investigations into disputed information.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations in debt collection, including incorrect reporting of address or status. 
I demand an immediate and thorough investigation into these discrepancies. Please verify the accuracy of the information reported and remove or correct any false, misleading, or unverifiable data as required by law. Failure to do so will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and potential legal action. 
Please provide me with documentation supporting the legitimacy of this account and confirmation of the address ( es ) used. 
I look forward to your prompt resolution of this matter within the 30-day investigation period mandated by FCRA.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing to dispute a fraudulent credit inquiry that recently appeared on my credit report. The inquiry was done online without my knowledge or permission. 

I did not initiate any application or request that would authorize this company to access my credit. This was done without my awareness, and I consider it unauthorized and fraudulent.

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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
1. Bridgecrest Credit Reported Balance : {$5600.00} Dispute : This account is reporting a balance that no longer exists. In XX/XX/year>, the vehicle associated with this account was declared a total loss. My insurance company and GAP coverage paid the remaining loan balance in full. Since there is no remaining financial obligation and the balance has been satisfied, this account should show a XXXX balance or be removed entirely. Reporting this debt as unpaid is inaccurate and unfairly damaging. 



XXXX. XXXX XXXX Reported Balance : {$10000.00} Dispute : This balance does not reflect the true status of the account. I have made payments totaling approximately {$10000.00} toward a {$20000.00} auto loan over the course of several years. The vehicle was later repossessed and sold at auction. The current reported amount does not take into account these payments or the proceeds from the auction sale. I am requesting the immediate removal of this account from my credit report due to the inaccuracies in the balance and payment history. 



XXXX. XXXX XXXX Reported Balance : {$1300.00} Dispute : This account is inaccurately reporting a balance that exceeds my actual usage. At no point during my time with XXXX did I carry a balance greater than {$1000.00}. This misreporting is not supported by my historical account activity and should be corrected or deleted. I request that this entry be removed from my credit report as the current balance is incorrect. 



XXXX. XXXX XXXX. 
Reported Balance : {$830.00} Dispute : The reported balance for this account exceeds the credit limit. My account with XXXX had a maximum credit line of {$500.00}, and I never exceeded that limit. Reporting a balance of {$830.00} is incorrect and clearly an error in reporting. I am requesting the removal of this account from my credit report as it does not accurately reflect my account history or terms.

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 status incorrect
Company: MoneyLion Inc.
State: TN

Complaint narrative:
I am disputing inaccurate information reported by MoneyLion. I contacted them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and provided documentation, but the issue remains unresolved even after receiving a paid in full letter from MoneyLion. This is affecting my credit and causing financial harm. I am requesting a full investigation and removal of the incorrect information

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: AL

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo incorrectly debited our checking account for double the amount of money a check # XXXX was written for. The Wells Fargo rep confirmed the check was clearly written for {$100.00} and that the bank deducted {$200.00} but said it would not be corrected. I was told we had to file a claim to dispute the incorrect debit and wait for XXXX business days for Wells Fargo to investigate the matter.

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: 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 credit file is being blocked without my permission and I can not access it. The company is refusing to tell me why, purposely dropping my calls, refusing my request to speak to a supervisor and claiming they can not verify.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief