vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
* * Subject : Formal Complaint Regarding Unverified Collection Account XXXX XXXX To Whom It May Concern, I am writing to formally lodge a complaint regarding an unverified and potentially invalid collection account being reported by XXXX XXXX XXXX, which has not complied with my lawful requests for verification under the Fair Debt Collection Practices Act ( FDCPA ). 

I have not received sufficient documentation to validate the legitimacy of the account. They say the amount owed is {$220.00}. Specifically, the following information is requested or the item must immediately be removed from all three credit reporting agencies.I requested the following information : * A copy of the original contract bearing my signature; * Proof that the company offered lawful consideration; * The specific identities of all parties of interest ; * Sworn affidavits affirming the debts accuracy and ownership; * A full ledger of accounting documentation from inception to present ; * A breakdown of specific services rendered and associated billing codes; * A copy of the companys Georgia business license ; and * Certified copies of the company 's articles of incorporation. 

None of these documents have been provided. As such, this collection agency is in violation of both federal and state consumer protection laws by continuing to report and/or attempt to collect on a debt that remains unverified. I believe this constitutes an unfair and deceptive practice. 

I am requesting that the CFPB investigate this matter promptly and take the appropriate actions to ensure the collector complies with all applicable laws, including but not limited to : ceasing collection efforts, deleting any reporting made to credit bureaus, and providing full documentation if the debt is in fact valid. 

Please keep me informed of any updates or actions taken regarding this complaint. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
XXXX XXXX account XXXX Which is a paid in full with a XXXX balance as of XXXX of 2024 is reporting incorrect and inaccurate information. This account has been in constant dispute for almost XXXX XXXX due to inaccurate information being furnished to all three credit reporting agencies. The fact that the creditor has had full knowledge that this inaccurate information is being furnished to the credit reporting agencies and refuses to put corrective action in place in a timely manner despite letters sent via certified mail, screen shots directly taken from the credit reporting agencies showing and highlighting the in accurate information being report and an internal dispute request within the own organization ( please review the attached documents ) is direct violation of the 15 U.S. Code section 1681s -2 ( A ) ( B ) ( i ) ( ii ) of the FDCRA.

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 2025-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX - I received notification that capital one did a hard inquiry for a venture card. I never opened this account. Additionally, I received an email from capital one telling me that my card is in process. 

Called capital one and they submitted a claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, FL, XXXX * * XX/XX/2025 XXXX XXXX XXXX XXXX Experian * * P.O Box XXXX XXXX, TX XXXX * * Subject : Dispute of Inaccurate and Incomplete Information on Credit Report * * * * Account Number : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX * * Dear Experian, I am writing to formally dispute the accuracy and completeness of the information reported on my credit file related to the above-referenced account. The entry from XXXX XXXX XXXX XXXX XXXX contains the following discrepancies : 1. * * Incomplete Account Details * * : The report omits critical information, including the highest balance and recent payment history. 
2. * * Reporting Inconsistencies * * : The payment history includes codes such as " C '' ( Collection ) and " ND '' ( No Data ), which raise concerns about the reliability and consistency of the reporting. 
3. * * Disputed Status * * : I do not recognize or acknowledge this debt. I request a full investigation, including verification from the original creditor, XXXX XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. I am requesting that this account be investigated and either corrected or removed if it can not be fully verified with accurate and complete documentation. 

Please initiate a reasonable investigation and provide me with written confirmation of your findings within the required XXXX timeframe. If the account is verified, kindly supply all documentation used in the verification process, such as a signed contract or itemized billing statements from the original creditor. 

Enclosed are copies of relevant supporting documents. I respectfully request that you update my credit report based on the results of your investigation. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I add my card XXXX XXXX  to XXXX and added {$800.00} and transfer to my other card to pay for a credit card. And when I added my second card to XXXX and tried to withdraw my account with restricted immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: DC

Complaint narrative:
A credit card company XXXXXXXX XXXX is adding fraudulent charges and late payment fees to my XXXX XXXX account after I closed it. The payment was never late. The XXXX Credit card account from XXXX Bank was closed and paid in full. I have a letter from XXXX Bank confirming that my XXXX XXXX account was closed, paid in full and has a XXXX balance. The XXXX Bank confirmation letter is dated as of XX/XX/year>. I disputed the charges with the credit card company. However, they refused to fix the problem. I believe the company XXXX Bank is engaging in fraudulent or scam business practices. I also filed a dispute with the credit bureaus and requested to remove inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NM

Complaint narrative:
I call them several times and they have long time, to fixed and just the only way is with you guys. The agency just miss with the people credit no matter how much you trying to get help from them. Just lies everytime I call them. Even is I paid to get or fix, or update my 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
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute of Inaccurate and Inconsistent Credit Reporting Charge-Off Account To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information being reported by your company, XXXX XXXX XXXX , to the three major credit reporting agencies : Equifax, Experian, and TransUnion. 



The account in question is being reported as a charge-off with an outstanding balance, which is inaccurate and misleading. In addition, there are discrepancies in the reported information across all three bureaus, including but not limited to : Different balance amounts Inconsistent charge-off dates Conflicting payment history Variations in account status and open/close dates These reporting errors are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that all information furnished to credit reporting agencies be complete and accurate. 



I am requesting a thorough investigation into this matter and a complete correction or deletion of this account from my credit file if accurate and consistent information can not be verified. Please provide written confirmation of the outcome of your investigation and the actions taken. 



In accordance with the FCRA, you are required to investigate and respond to my dispute within 30 days of receipt. 

Thank you for your prompt attention to this matter. 



Sincerely, 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 2025-05-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute of Inaccurate and Inconsistent Credit Reporting Charge-Off Account To Whom It XXXX Concern, I am writing to formally dispute inaccurate and inconsistent information being reported by your company, XXXX XXXX XXXX , to the XXXX major credit reporting agencies : Equifax, Experian, and TransUnion. 



The account in question is being reported as a charge-off with an outstanding balance, which is inaccurate and misleading. In addition, there are discrepancies in the reported information across all three bureaus, including but not limited to : Different balance amounts Inconsistent charge-off dates Conflicting payment history Variations in account status and open/close dates These reporting errors are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that all information furnished to credit reporting agencies be complete and accurate. 



I am requesting a thorough investigation into this matter and a complete correction or deletion of this account from my credit file if accurate and consistent information can not be verified. Please provide written confirmation of the outcome of your investigation and the actions taken. 



In accordance with the FCRA, you are required to investigate and respond to my dispute within 30 days of receipt. 

Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested multiple investigations for unauthorized inquires on my credit report to Experian, however Experian has failed to properly investigate these inquiries, and respond in a timely manner as they still remain on my credit profile. I have not been sent any proof of these inquires being accurate as I requested. Please reinvestigate this matter and provide proof of accuracy or remove these unauthorized inquires from my Experian 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 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : DEPT OF EDUCATION/XXXX # XXXX - Date Opened XX/XX/year> Account Name : DEPT OF EDUCATION/XXXX # XXXX - Date Opened XX/XX/year> Account Name : XXXX XXXX OF XXXX XXXX XXXX - Date Opened XX/XX/year> 2019

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 2025-05-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have tried to use this card on several different dates and at several different stores both in person and online. Every time I try to use it, it gets declined despite having adequate funds. Customer service told me to make sure that the balance is below {$500.00} as the card can get declined if over the gift card amount. All attempted purchases have been under {$500.00}. 

I contacted customer service after several more attempts and they told me I needed to make sure I used websites that had the ability to enter both the expiration date as well as the security code in the same way a standard credit card is used. I did this and the card was still declined. 

My last attempt to contact customer service, they apologized and said they've tightened security hence my inability to use the card on certain websites. I tried using this only with major retailers such as XXXX, XXXX XXXX, XXXX XXXX, and most recently XXXX and all were declined. 

I requested a resolution and nothing was offered other than to keep trying to use the card. I can not find any retailer that will accept this card. 

AMEX Gift Card by American Express Customer Service : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-04 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: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of information that Sunrise Credit Services has reported to the credit reporting agencies ( Equifax, Experian, and TransUnion ) regarding the following account : Creditor : Sunrise Credit Services Issue : incorrect balance, payment status, open/closed date, etc. 



After reviewing my credit reports, I have identified discrepancies and inaccuracies related to this account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information have a legal obligation to ensure the data reported to credit bureaus is complete and accurate. The information currently being reported does not meet that standard. 



I hereby request that Sunrise Credit Services conduct a full investigation and either correct the inaccurate data or delete the account entirely if the reported information can not be verified with complete accuracy. 


Please provide written confirmation of the outcome of your investigation within the XXXX period mandated by the FCRA. 



Thank you for your prompt attention to this 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 2025-05-04 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: Self Financial Inc.
State: AR

Complaint narrative:
Upon reviewing my Consumer Reports, I uncovered some instance of late payment on an account for Self/Lead credit card. Consumer Reporting Agencies play vital role in accurately reporting consumer information. It is imperative that this information be reported with HIGH accuracy. I have been disputing this following account : ( SELF FINANCIAL/LEAD BA ) account number ( XXXX XXXX XXXX XXXX XXXX ). I have been disputing this account since 2020 & somehow, they never send any proof to me, or the online disputes read " updated by furnisher '', what they the update consist of? Where is the proof for an investigation of the findings? I request a thorough investigation AGAIN into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of this payment. Also, this company has been backdating the payment history which is against the law. If unable to furnish such proof, I demand that THIS ACCOUNT BE DELETED FROM ALL CREDIT REPORTING AGENCIES. I have proof that this account has been in violation of 15 U.S. Code 1681 - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report 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. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NM

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-04 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: NM

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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