vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I am writing to formally request validation of the alleged debt referenced in your communication to me, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please note that this is not a refusal to pay but a request for verification of the claimed debt.

Pursuant to federal law, I request the following information : 1. Proof that you have the legal right to collect this debt, including a copy of the signed contract or agreement between me and the original creditor.

2. A full itemization of the debt, including the original balance, any fees, interest, or additional charges added.

3. The name and address of the original creditor and the account number associated with the alleged debt.

4. Proof that you are licensed to collect in my state, including your collection agencys license number and bond information, as required by [ Your State ] laws.

5. Complete chain of custody ( assignment of debt ) showing the transfer of ownership of the debt from the original creditor to your agency.

6. A copy of any judgment ( if applicable ) that grants you the authority to collect.

7. Proof that the statute of limitations has not expired, showing the date of the last payment made on the account. 
Until this requested information is provided, I dispute the validity of this alleged debt in its entirety and demand that you immediately cease all collection activities, including reporting to the credit bureaus, per 15 U.S.C. 1692g ( b ).

Additionally, per 15 U.S.C. 1692c ( c ), you are hereby notified that you may not contact me further regarding this matter, except to provide the requested verification or to notify me that collection efforts have ceased.

Please note that failure to respond to this request within 30 days will be considered as non compliance with the FDCPA, and I will have no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXXXXXX Account Number XXXX Balance : {$20000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Balance : {$6100.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$2500.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX Balance {$750.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Balance {$380.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Account number XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/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 2025-06-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: DriveTime
State: GA

Complaint narrative:
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX XXXX from DriveTime and was financed through XXXX. The total cost of the loan was over {$50000.00} with an interest rate of XXXX XXXX on a vehicle currently worth only {$9000.00} {$12000.00}. 

I made a {$200.00} down payment and was signed into a loan with XXXX biweekly payments of {$310.00}. The finance charge alone is over {$25000.00}, and the total repayment amount is {$48000.00}. This loan structure is excessive, predatory, and deeply unfair. I was not given clear or reasonable alternatives. 

In XX/XX/XXXX, I contacted XXXX asking for hardship support, a refinance, or settlement option due to financial hardship. I was told they do not offer refinancing or true hardship programs only temporary payment extensions. 

I believe I was targeted and taken advantage of, and that this loan violates basic lending ethics and may violate fair lending protections. I am asking the CFPB to review this case for potential unfair, deceptive, or abusive practices and assist in helping me reach a fair resolution with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Dear SirMadam I am writing to formally lodge a complaint regarding a failed wire transfer transaction that has remained unresolved for over XXXX  days, resulting in the loss of XXXX of my funds. Below is a summary of the complaint : On XX/XX/2025 I initiated a wire transfer of XXXX from my account with XXXX XXXX  to a recipients account at Wells Fargo Bank.Immediately after the transfer, the recipient informed me that his account had a maximum deposit limit of XXXX which meant that the wire transfer exceeded his limit.According to Wells Fargo, the payment was rejected and was to be returned to the sender.I contacted XXXX XXXX  immediately, and they confirmed they had initiated a recall of the funds.Despite these steps, I have not received the refunded amount, and neither bank has provided a concrete resolution.Furthermore, XXXX XXXX  has since closed my account, and Wells Fargo has closed the recipients account, leaving me without access or updates.I have received no written communication or formal explanation regarding the status of my funds from either institution. 

This has caused me significant financial hardship and distress. I believe that both XXXX Bank and Wells Fargo have failed in their duty of care, transparency, and customer protection in handling this transaction. 

I respectfully request that your office investigate this matter urgently and assist in compelling the responsible institutions to release my funds or provide a clear and documented resolution. 

Please find the transaction details below : Transaction Date : XX/XX/XXXX XXXX : XXXX Bank : XXXX XXXX XXXX  : XXXX XXXX Name : XXXX XXXX XXXX Number : 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX Foxgrove Ct. 
XXXX, VA XXXX Phone : ( XXXX ) XXXX Email : XXXX To : Capital One Bank XXXX : Wire Transfers/ Claims Department [ Insert Capital One XXXX or relevant department address if available ] Subject : Urgent Request for Wire Transfer Reversal No Response Received After Hold Harmless Letter Submission Dear Capital One Claims Team, I am writing to formally request the immediate reversal of a wire transfer in the amount of {$24000.00} USD, originally sent on XX/XX/year>, to XXXX of your account holders. Despite the submission of all requested documentationincluding a Hold Harmless Letter issued by my bank, XXXX XXXX has been no communication or progress on the return of these funds. It has now been over 30 days, and the financial impact is becoming increasingly severe. 

Details of the Wire Transfer Sender Information ( My Account ) : Account Holder Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Routing Number : XXXX Recipient Information ( Capital One Account ) : Account Holder Name : XXXX XXXX XXXX Capital One Account Number : XXXX Routing Number : XXXX Recipient Address : XXXX XXXX XXXX XXXX XXXXXXXX, VA Recipient Email : XXXX The transfer was initiated as a personal loan to my colleague. However, I was later informed that Capital One closed the recipients account for undisclosed reasons. Given that the recipient is unable to access the funds and that the account is no longer active, I was advised that Capital One would return the wire transfer to the originating account. 

In response to your request, XXXX XXXX submitted a Hold Harmless Letter shortly after the initial transaction. However, I have not received any further updates or acknowledgment from Capital One. This lack of response is highly concerning given the size of the transaction and the elapsed time. 

Request for Immediate Action I respectfully urge Capital One to : Confirm receipt of the Hold Harmless Letter submitted by XXXX XXXX. 

Initiate the return of the {$24000.00} USD wire transfer to my XXXX account without further delay. 

Thank you for your prompt attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX for any questions or documentation requests. 

Sincerely, XXXX XXXX

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: NC

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report 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 NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$7300.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$600.00} Inquiries XXXX  Date : XXXX XXXX  Date : 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Employers :. My correct Employer is : XXXX  Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The account is charged off and written off. I never received a 1099-C from Ulta. I want the negative report removed from my credit reports.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report 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 NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$7300.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$600.00} Inquiries XXXX  Date : XXXX XXXX  Date : 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 2025-06-04 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:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report 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 NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$7300.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$600.00} Inquiries XXXX  Date : XXXX XXXX  Date : XXXX

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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Account number XXXX Balance {$120.00} Open Date XX/XX/XXXX XXXX  XXXX Account number XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX failure to provide documentation and clarification concerning a debt that, according to IRS records, was reported as canceled.

Specifically, my official IRS Wage and Income Transcript for the XXXX tax year reflects that XXXX XXXX issued Form 1099-A and Form 1099-C, indicating that a debt was canceled. However, I never received a copy of the 1099A or 1099-C from XXXX XXXX as required by IRS regulations ( IRC 6050P ). 

On XX/XX/XXXX, I sent a formal written request to XXXX XXXX requesting a copy of the 1099-A and 1099-C and an explanation regarding the nature of the cancellation. To date, I have received no response. 

If the debt was in fact canceled, then XXXX XXXX should not be engaging in any collection activity or reporting the account as active on my credit reports. If the debt was not canceled, then the issuance of a 1099-C may constitute a false filing with the IRS, which could improperly impact my tax liability.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX failure to provide documentation and clarification concerning a debt that, according to IRS records, was reported as canceled.

Specifically, my official IRS Wage and Income Transcript for the XXXX tax year reflects that XXXX XXXX issued Form 1099-A and Form 1099-C, indicating that a debt was canceled. However, I never received a copy of the 1099A or 1099-C from XXXX XXXX XXXX XXXX by IRS regulations ( IRC 6050P ). 

On XX/XX/XXXX, I sent a formal written request to XXXX XXXX requesting a copy of the 1099-A and 1099-C and an explanation regarding the nature of the cancellation. To date, I have received no response.

If the debt was in fact canceled, then XXXX XXXX should not be engaging in any collection activity or reporting the account as active on my credit reports. If the debt was not canceled, then the issuance of a 1099-C may constitute a false filing with the IRS, which could improperly impact my tax liability.

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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX failure to provide documentation and clarification concerning a debt that, according to IRS records, was reported as canceled.

Specifically, my official IRS Wage and Income Transcript for the XXXX tax year reflects that XXXX XXXX issued Form 1099-A and Form 1099-C, indicating that a debt was canceled. However, I never received a copy of the 1099A or 1099-C from XXXX XXXX XXXX XXXX by IRS regulations ( IRC 6050P ). 

On XX/XX/XXXX, I sent a formal written request to XXXX XXXX requesting a copy of the 1099-A and 1099-C and an explanation regarding the nature of the cancellation. To date, I have received no response. 

If the debt was in fact canceled, then XXXX XXXX should not be engaging in any collection activity or reporting the account as active on my credit reports. If the debt was not canceled, then the issuance of a 1099-C may constitute a false filing with the IRS, which could improperly impact my tax liability.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
My account was accessed and money was sent to an unknown recipient. I requested a refund, but no response from the recipient. I called Cash App, and spoke with an employer, who said I should hear something back in 10 days.

Company response to consumer: Closed with explanation