vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
This was the ONLY company ( had a monopoly ) available for internet service when moved to this area. They claim that in the " terms and conditions '' of service I had agreed to when opened the account, it stated that I would owe {$50.00} when I cancelled service. If this is true, which they have not proven that I agreed to these terms, it must have been buried in the fine print, and I believe is a form of extortion since there were no other companies to choose from. Also, service was not provided as paid over many outages with no refund for services not received. When I cancelled service, I was billed for an entire month when my service was currently out AND disconnect date was already passed. Even the equipment was returned already. I paid them what I calculated I had owed for the XXXX week of internet. Now I am being sent to collections for the supposed debt of the {$50.00} extra and for the services I did not receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: NY

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent accounts, charge-offs, late payments and collection accounts on my credit file resulting from identity theft and a confirmed data breach. 

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : FRAUDULENT ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : $ XXXX : Charged Off. 
XXXX XXXXXXXX -Account # XXXX -- -Balance : {$1.00}, XXXX : Charged Off. 
XXXX XXXX XXXX # XXXX -- -Balance : {$1.00}, XXXXStatus : Charged Off. 
XXXX XXXX XXXX # XXXX : $ XXXXStatus : Charged Off. 
XXXX XXXX XXXX -Account # XXXX -Balance : $ XXXXStatus : Collection. 
XXXX XXXX XXXX # XXXX -Balance : {$2800.00} -Status : Collection. 
XXXX XXXX XXXX -Account # XXXX -Balance : {$1200.00} -Status : These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MI

Complaint narrative:
XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Bank XXXX {$450.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$270.00} 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 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: CO

Complaint narrative:
Original debt to target was acquired by Rausch Sturm. Only discovered this fact after contacting target about paying my card off. Contacted debt collector multiple times, many times receiving no answer or being run around by operators. Finally received my account number. Account number failed when utilizing online payment tool, and no operative has answered my ~15 calls since. I'm just trying to pay off my debt.

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 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital is reporting a collection account to Equifax and TransUnion in the amount of {$340.00}, with account numbers ending in XXXX ( Equifax ) and XXXX ( TransUnion ). The original creditor is listed as XXXX XXXX ( via XXXX ). 

This account is fraudulent and the result of identity theft. I did not open this account, authorize it, or benefit from it in any way. I have already filed an FTC Identity Theft Report and provided proof of my identity and address. Despite this, XXXX XXXX continues to report this account inaccurately. 

Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ), I have the right to request that fraudulent information resulting from identity theft be blocked from my credit file. Jefferson Capital has failed to remove this account or provide any validation. 

I am requesting immediate removal of this fraudulent account from all credit bureaus, cessation of all collection activity, and confirmation of deletion in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: Transform Credit Inc.
State: OR

Complaint narrative:
XX/XX/year> To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against Transform Credit Inc. regarding their persistent and egregious violations of the Truth in Lending Act ( TILA ) and other consumer protection regulations.

Despite sending them a certified letter with return receipt outlining the violations in detail, Transform Credit has failed to respond or acknowledge the communication in any way. The certified letter was mailed and tracked,
and the delivery attempt was documented ; however, they refused to accept the correspondence. This demonstrates a continued pattern of avoidance and noncompliance.

The specific violations committed by Transform Credit include but are not limited to : 1. Misrepresentations in the Truth in Lending Disclosure regarding APR and Finance Charges. 
2. Refusal to provide paper statements as explicitly allowed under the terms of the promissory note.

3. Unlawful continuation of ACH debits from the guarantors account ( XXXX XXXX XXXX ) despite multiple written requests to cease and desist. 
4. Deceptive practices resulting in severe financial harm to both myself and the guarantor.

Transform Credits actions have caused significant financial damage including : destroyed credit scores ( guarantors score dropped from over XXXX to XXXX ), loss of vehicles, depleted savings, inability to pay rent, and emotional stress due to the financial strain. We have made all reasonable efforts to resolve this matter directly and have been met with silence and inaction. 

We respectfully request that the CFPB fully investigate these violations and hold Transform Credit accountable. We seek full financial remedy including the return of all funds paid, compensation for damages, and equitable relief as permitted under the law. 
For specific violations and damages please see the attached file named : Exhibit_A_Transform_Credit_Violations_Summary Also See Attachment Titled : Consumer Complaint to Federal Reserve Consumer Help See Attached Certified Registered Letter sent to Transform Credit on XX/XX/year> Titled : Regulation Z Violation Notice & Affidavit Submission Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Oregon XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX for the unlawful withholding of a total of {$63000.00} from three separate transactions. For all three transactions, chargeback disputes were filed against me, and I won every single case according to XXXX 's own official verdict in XX/XX/year>. It has now been over two years, and XXXX has failed to release my funds and has ceased all communication. 

Below are the details of the three disputes that were won by me : * * Case XXXX : {$50000.00} * * * Transaction Date : XX/XX/year> * Payment ID : XXXXXXXX XXXX Dispute ID : XXXXXXXX XXXX Date Dispute Won : XX/XX/year> * * Case XXXX : {$10000.00} * * * Transaction Date : XX/XX/year> * Payment ID : XXXX * Dispute ID : XXXX * Date Dispute Won : XX/XX/year> * * Case XXXX : {$3000.00} * * * Transaction Date : XX/XX/year> * Payment ID : XXXX * Dispute ID : XXXX * Date Dispute Won : XX/XX/year> After winning these disputes, I contacted Stripe to inquire about the payout schedule. Initially, I used the live chat support, where I was given evasive and unhelpful answers. Shortly after, my access to live chat support was XXXX entirely. 

I then contacted support via email. In their only substantive response, a representative stated that my funds were being held as a " precautionary measure '' and would be released after 90 days. 

After the 90-day period passed ( approximately in XX/XX/year> ), I attempted to contact XXXX again to request the release of my funds. Since that time, XXXX has completely ignored all of my attempts at communication. They do not respond to any of my emails, and I have no other method to contact them. 

Stripe has not only failed to release my legitimate earnings of {$63000.00} but has also violated its own stated timeline and has engaged in deceptive practices by cutting off all communication channels. This has caused severe and ongoing financial harm to my business.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-12 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint because TransUnion and XXXX XXXX XXXX XXXX are violating the Fair Credit Reporting Act ( FCRA ) by reporting fraudulent accounts and refusing to remove them despite repeated disputes with full documentation. 

The following accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX Unsecured Loan {$8900.00} Problems with the reporting : 1.These accounts are being reported under an incomplete and inaccurate name ( XXXX XXXX XXXX XXXX of my full legal name ( XXXX XXXX XXXX XXXX XXXX 
2.They are tied to a fraudulent address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). This is a commercial mailing address/PO Box, not my residence.

3.My correct and verified address is : XXXX XXXX XXXX XXXX, XXXX, SC XXXX. 

Evidence I have already provided : Multiple FTC Identity Theft Reports.

Police report documenting identity theft.

Drivers license and Social Security card. 
Proof of residence. 
Multiple dispute letters mailed certified to TransUnion and XXXX XXXX XXXXXXXX. 

Despite this, TransUnion continues to verify the accounts as accurate, and XXXX XXXX XXXX  continues furnishing inaccurate information. 

FCRA Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Once provided with an FTC Identity Theft Report, the bureau is required to block fraudulent information within 4 business days. TransUnion has failed to do this.

FCRA 611 ( 15 U.S.C. 1681i ) : TransUnion must conduct a reasonable reinvestigation. Instead, they continue to verify accounts that clearly contain name and address inaccuracies.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate. COMM XXXX XXXX continues to report false information even after multiple disputes and receipt of my FTC and police reports.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX for their unlawful reporting practices on my credit report. 

XXXX has added a debt to my credit file that has never been validated, verified, or confirmed as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Specifically : I was never provided with proper validation of the debt, including original creditor information, proof of ownership, or itemized account details. 

Despite my dispute and request for validation, XXXX has continued to report this alleged debt to the credit bureaus, which constitutes continued collection activity without validation and a violation of my rights under the FDCPA. 

The reporting of this unverified debt is inaccurate and misleading, violating the FCRAs requirement that furnishers of information provide only complete and accurate information to consumer reporting agencies. 

Relief Requested : Immediate deletion of the unvalidated debt from all consumer reporting agencies. 

Written confirmation from XXXX that they will cease all collection and reporting activity on this account. 

Enforcement action to ensure compliance with federal credit and debt collection laws. 

I request the CFPBs assistance in holding XXXX XXXX XXXX accountable for these violations and in ensuring that this inaccurate and unverified debt is removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 upset to see that the inaccurate accounts are still appearing on my credit reports, and they were not taken off despite everything Ive done. I am begging that the documents Ive attached be reviewed carefully so I can finally stop living in constant worry about this.

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