vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Collections Account on Credit Report Dear XXXX XXXX Department I am witting to file a complaint against Credit Collection Services regarding a collections account that continue to appear on my credit report despite my previous communications with them to resolve this matter. I have already contacted Credit Collection Services many times regarding this account despite my efforts and the resolutions we reach, this account continues to appear on my credit report from XXXX XXXX XXXX XXXX. This inaccurate reporting has negatively affected my credit score and my ability to obtain credit to secure housing, employment opportunities, etc. This situation has caused me significant finacial hardship stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: PA

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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 2025-04-08 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: PA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Business Checking Account Date of Incident : XX/XX/2025 Location of Incident : Wells Fargo Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -Specifically in the drive through Business account lane Time of Incident : XXXX Incident : Negligent loss of Deposit of over {$8100.00} in business Drive Through Lane Explanation of Incident : On XX/XX/2025, at approximately XXXX, I personally deposited into the outside business account lane a deposit of over {$8200.00} with 9 checks attached by paperclip to a deposit slip. I was told by the teller that the deposit was stuck and they would call as an emergency someone to retrieve it. The Branch Manager, XXXX, informed me repeatedly over the course of 2 days not to worry that my deposit was safe as this has happened many time before and Wells Fargo was aware of the faulty business drive through lane, assuring me that my deposit with all the checks would be safely retrieved. Nevertheless, after over 48 hours, on XX/XX/2025, the bank manager called to tell me my deposit checks were destroyed and lost. He found 1 check for {$45.00} which he deposited into my account and a torn check for {$2400.00} which he could not deposit in spite of being broken by their drive through machine. I was told that Wells Fargo apologized for the loss of my {$8100.00} deposit but there was nothing they could do.

It has taken me countless hours/days try to get all these checks reissued. To date, I have not been able to get any of the lost 8 checks reissued. Many of the companies that paid me those checks have told me they need to wait of period of 60-180 days to see if checks can be reissued and I would have to pay a cost. 
Wells Fargo destroyed/stole my 8 deposited checks totaling {$8100.00} and I opened a complaint with them with the case number Complaint case number : I was told they investigated and can do nothing else, as their negligence of destroying my checks and/or fraud of keeping my checks was my problem to solve. Attached are the letters I received from them stating that they have closed my case and my deposited money is lost. I need help retrieving this money that was stolen from me by Wells Fargo.

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 2025-04-08 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: FL

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. CXXXX XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
Im reaching out to dispute some incorrect information thats showing up on my credit report. Upon reviewing my report, I noticed an entry that is completely wrong, and I need this corrected immediately. The information in question is inaccurate, and I have no knowledge or involvement with it. It is vital that my credit report reflects only accurate data, as this could be affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
I received notification regarding a medical debt from USCB on behalf of XXXX. on XXXX XXXX XXXX, I mailed by USPS a request for validation to USCB by certified mail with return receipt requesting that they validate the debt ( see attached ). USCB received my letter of validation on XXXX XXXX XXXX, as verified by the signed return receipt ( see attached ). Despite my request, USCB has failed to validate the debt. Any medical debt they are trying to collect on behalf of XXXX is invalid as it was already submitted by XXXX to my insurance carrier, XXXX XXXX and XXXX XXXX paid all charges that were reasonably owed ( see attached ). Therefore, I owe nothing more to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNT TO BE REMOVED CHILD SUPPORT ENFORCEM XXXX BALANCED {$0.00} These account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-04-07 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: CO

Complaint narrative:
I sent your company a letter disputing account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I received a response from you dated XX/XX/year>, where you stated that the items had been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 
XXXX XXXX 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 explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. Its my understanding that the give credit bureau will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXX 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 2025-04-07 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: TX

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. Its my understanding that the give credit bureau will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am submitting this complaint against Jefferson Capital Systems , LLC for attempting to collect an alleged debt that I do not owe, and for reporting inaccurate information to the credit reporting agencies without providing proper validation, in violation of both federal law and Louisiana state law. 

I requested validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA, XXXX U.S.C. XXXXg ), but Jefferson Capital failed to provide sufficient documentation. Despite this, they continued to pursue collection and reported the account to credit bureaus, which is a violation of XXXX U.S.C. XXXXe and XXXX U.S.C. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ). 

Additionally, this debt appears to be time-barred under Louisiana law . According to XXXX  XXXX. XXXX, no legal collection activity can occur on prescribed debts unless a new agreement is signed, which I have not done. Any attempt to collect or report on a time-barred debt also violates XXXX  XXXX. XXXX, which prohibits deceptive practices in consumer credit transactions. 

I have sent a formal dispute and cease & desist letter directly to Jefferson Capital Systems, demanding deletion of all tradelines related to this alleged debt from XXXX, XXXX, and XXXX. They have ignored this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$6400.00} XXXX  XXXX BALANCED {$3400.00} XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$2000.00} XXXX  XXXX XXXX BALANCED {$6800.00} XXXX XXXX XXXX BALANCED {$5600.00} XXXX XXXX BALANCED {$4200.00} XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$1500.00} XXXX XXXX ( Original Creditor : XXXX COMMUNICATIONS ) XXXX BALANCED {$130.00} XXXX XXXX XXXX XXXX BALANCED {$390.00} These accounts has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-08 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: PA

Complaint narrative:
Earlier today, I came across some inaccurate accounts listed on my credit report, and I dont know the reason behind them. I regularly monitor my report, but this time, unexpected discrepancies appeared. I attempted to reload the page in case it was just a browser issue, but the errors remained. Because of this, Im requesting a thorough review of the documents I provided, so I can have peace of mind moving forward.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am filing this complaint against Experian for refusing to investigate a valid credit reporting dispute I submitted regarding an account from XXXX XXXX XXXX ( original creditor : XXXX  XXXX ). 

I disputed the account because it is being illegally re-aged. The original debt was charged off in XX/XX/XXXX after my last payment on XX/XX/XXXX, which makes the Date of First Delinquency ( DOFD ) XXXX. Under FCRA 605 ( a ), this debt is near or past the 7-year reporting limit and should be removed or corrected. 

However, Experian is allowing PRA to report the account as opened in XX/XX/XXXX, and is updating its status into XXXX, which is inaccurate and deceptive. I submitted a dispute to Experian with full documentation. Instead of investigating, Experian sent me an email refusing to act, claiming the request did not appear to be sent directly by me. I am the consumer, and I submitted the dispute personally. This is a violation of FCRA 1681i, which requires Experian to reinvestigate any disputed information submitted by the consumer. 

I am requesting that the CFPB : Investigate Experians refusal to investigate my dispute Ensure this account is removed or corrected based on the DOFD Require Experian to provide verification of how they justified the continued reporting of this account

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 2025-04-07 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: PA

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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