vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
I am formally disputing the collection account your company is reporting under AMSHER COLL ( Original Creditor : XXXX XXXX XXXX ) account # XXXX. I do not recognize this account, and I was never notified about it prior to seeing it on my credit report. I have never received any letter, notice, or validation from your agencyno explanation of the alleged debt, no itemized breakdown of the amount, and no proof that you have the legal authority to collect on it. Under Regulation F of the Fair Debt Collection Practices Act ( 12 CFR 1006.34 ( b ) ( 5 ) ), I have the right to receive a complete validation notice that includes the name of the original creditor, a full breakdown of the balance, and evidence of your right to collect this debt. You failed to provide any of these. This also violates 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which requires you to notify me of my right to dispute the debt before reporting it. Additionally, furnishing unverified information to the credit bureaus without my consent violates 15 U.S.C. 1681e ( b ) and 1681b of the Fair Credit Reporting Act. I am demanding that you immediately provide me with all of the following : ( 1 ) a complete validation notice, ( 2 ) a copy of any signed agreement bearing my signature, ( 3 ) a detailed breakdown of the alleged balance, and ( 4 ) documentation proving your authority to collect on behalf of XXXX XXXX XXXX. If you can not provide these, then the account MUST BE PERMANENTLY DELETED from all consumer reporting agencies. Reporting unverifiable and unauthorized information is harmful, unfair, and illegal. I expect a written response confirming the results of your investigation and immediate removal of this account from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-06-18 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: NY

Complaint narrative:
I am filing this complaint to formally challenge the inaccurate and unlawful reporting of multiple accounts on my credit reports by the following furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These furnishers are currently providing incorrect and potentially fraudulent information to Experian, Equifax, and TransUnion in violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), and industry-standard Metro 2 credit reporting guidelines. 

1. XXXX : This account is reported as charged-off with a balance of {$80000.00} and a past due amount of {$65000.00}. This reporting is inaccurate because a charged-off debt should not reflect an ongoing balance if the account was sold, securitized, settled, or otherwise monetized. If the account was securitized, XXXX no longer owns the receivable and can not lawfully report it as collectible. If they issued a 1099-C to the IRS, then reporting an active balance constitutes double representation a violation of both FCRA and IRS Code 6050P. I requested deletion or correction and validation of ownership, but have not received proper documentation. 

XXXX. XXXX  XXXX : This account shows a 30-day late payment for XX/XX/XXXX while also stating pays as agreed. This contradiction violates Metro 2 Format and FCRA 1681e ( b ). Additionally, under TILA 1666b, a payment can not be treated as late unless a statement was sent 21 days before the due date. XXXX XXXX has not demonstrated that such procedures were followed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a late payment on an account that was closed in XX/XX/XXXX. Late payments after account closure, without ongoing collection activity or new charges, are often inaccurate and violate FCRA accuracy standards. They have not provided evidence supporting the legitimacy of this reported delinquency. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX is reporting a 30-day late payment for XX/XX/XXXX on a mortgage account that was transferred. Under RESPA 2605 ( e ), no negative reporting is permitted during the 60-day servicing transfer window if a timely payment was made. If the loan was transferred, XXXX must cease delinquency reporting unless they can show a direct payment failure within their servicing window. No such documentation has been provided. 

These accounts are damaging my credit and financial well-being. I have followed the proper dispute channels, and yet the credit reporting agencies continue to maintain this false or unverifiable data. I am requesting the CFPBs intervention to : Enforce my rights under FCRA, TILA, and RESPA ; Compel the credit bureaus and furnishers to provide complete and verifiable documentation ; Remove or correct all inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-18 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: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX  Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Transuion credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection BureauXXXX. XXXX XXXX, XXXX  XXXX CEASE AND DESIST DEMAND To Whom It May Concern : I am writing to formally demand that the Consumer Financial Protection Bureau ( CFPB ) immediately cease and desist all collection activities with regard to any alleged debts associated with my name or accounts. I have reason to believe these debts are not valid, and I contest any claims made against me. Please take note that it is a violation of the Fair Debt Collection Practices Act for any further attempts to collect this alleged debt. Should you continue these activities, I will have no choice but to take legal action to protect my rights under law. 
I have the right under federal law, including the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes, to request that communications cease. Continued attempts to contact me or to pursue this matter without proper basis may be considered harassment and may violate my rights as a consumer. 
Please consider this a formal notice that I do not consent to any further direct contact by the CFPB or its agents, unless legally required or initiated by me. 
These include : Portfolio recovery account # XXXX I request written confirmation that this cease and desist demand has been Honored in 15 business days. Failure to comply may result in further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. I am filing this FTC Identity Theft Affidavit to report six fraudulent account ( s ) appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a lease account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX, an auto loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX a collection account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX, another collection account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX, and a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX  I had a client deposit {$320.00} into my account which brought the account above the {$470.00} mark which is in question. 
As soon as the {$320.00} was entered into my account and accounted for. it was i immediately removed from Cash app and sent to this lady. I did not and would not send this money to this lady the {$470.00} was automatically withdrawn. I did not authorize it. I did not send it. I did not review it. Ive done this many times I know how to send money This money was taken out of my account by Cash app and given it to this lady. It is very difficult to actually get an It is very difficult to actually get an human being on the phone that has any type of authority. You have to email them. They do not understand what Im saying. Im saying that I did not send it. They think I sent it. According to the records. I did not send it. There mustve been a glitch or something in the system. If I wouldve accidentally sent it or sent it to the wrong person, I can understand it would be my fault, but I did not ever send that money. That was them that sent it. It came out automatically. They have just straight out, denied my claim, which is not right or fair. I will file a suit against them. Im not going to go without this money. This is ridiculous. Im having to spend many hours to have to debate whether they did it or not, and they did do it. 
Their case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
My money was taken from my account and I never received it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover is reporting late payments for XX/XX/2025, XX/XX/2025, and XX/XX/2025 on my XXXX  credit report. I reviewed my bank statements and confirmed that payments were made on time for all three months. I was never notified of a missed payment, nor was I charged a late fee during that period. 

In early XX/XX/2025, I contacted Discovers customer service to dispute the late payment history. I asked for supporting documentation or payment breakdowns, but they were unable to provide evidence that any of the payments were made past due. 

The reported balance during those months was consistently low and payments were made in full. I believe these late marks are being reported in error and request they be removed to reflect an accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation