vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : I am responding to a collection notice received from your company. ( please see attached ) I do not recognize this claim. Please provide me with written documentation to validate this purported debt : 1. A copy of the purchase agreement between you and the original creditor who sold the debt to you which proves you are the actual owner of the debt. 2.The assignment contract between you and the original creditor Please note that a list of charges is not validation of a debt This is not my acceptance or agreement of this debt but my notice of cease and desist of all further collection activity and reporting to my credit report until you are able to validate the above-referenced claim with the assignment contract from the original creditor along with the bill of sale which proves you bought the debt from the original creditor and are the rightful owner of the debt. Thank you. I will await your reply

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
I have a few discrepancies of inaccurate information of a XXXXXXXX XXXX XXXX XXXX XXXXXXXX account reporting on my TransUnion, Equifax and Experian credit report without ever recieving a XXXX Form, In 28 USC 108-Income from Discharge of Indebtedness IRS considers a charge-off account as income and I also know that income shall not be reporting on my consumers report with or without a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/year> BALANCE OWED {$0.00} LATE PAYMENT * * ISSUE : the account is inaccurately reporting a late payment LAW : under fcra section 611 i have the right to dispute and request reinvestigation of any inaccurate item and under fcra section 609 ( a ) ( 1 ) ( a ) i have the right to request and receive the original documentation used to verify the account STORY : this account shows a late payment that i firmly dispute i have fulfilled my obligations and believe this derogatory entry is either reported in error or lacks proper documentation this late mark is misleading and unfairly reducing my credit score which has impacted my financial credibility with lenders and resulted in higher interest rates and denial of credit offers These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
I have a few discrepancies of inaccurate information of a XXXX XXXXXXXX XXXX XXXX XXXXXXXX account reporting on my TransUnion, Experian and Equifax consumer reports without ever knowing of recieving a XXXX Form, In 28 USC 108-Income from Discharge of Indebtedness IRS considers a charge-off account as income and I also know that income shall not be reporting on my consumers report with or without a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
I have a few discrepancies of inaccurate information of a XXXX XXXXXXXX XXXX XXXX XXXXXXXX account reporting on my TransUnion, Experian and Equifax consumer reports without ever knowing of recieving a XXXX Form, In 28 USC 108-Income from Discharge of Indebtedness IRS considers a charge-off account as income and I also know that income shall not be reporting on my consumers report with or without a balance.

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 2025-07-27 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: NY

Complaint narrative:
On XX/XX/year>, I sent Transunion a full identity theft dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( Section 605B ), requesting that several fraudulent accounts be blocked and removed. The packet included my FTC Identity Theft Report, a notarized affidavit, proof of identity, and supporting documentation. This dispute was delivered via certified mail, and I have confirmation of receipt.

By law, TransUnion is required to block the reporting of any information resulting from identity theft within 4 business days after receiving complete and proper documentation. Instead of doing so, TransUnion sent me a vague, general email on XX/XX/year>, that failed to confirm any investigation, failed to list which accounts were reviewed, and made no effort to remove or block any of the fraudulent tradelines.

Their email was clearly a scripted stall tactic referencing misinterpretation of documents and suspicious activity but taking no action to actually honor the 605B protection I invoked. This mirrors the same behavior I encountered with XXXX. 

As of today, all the disputed accounts remain on my credit report, and TransUnion has taken XXXX corrective action to comply with federal consumer protection laws. This is a direct violation of : 15 U.S. Code 1681c-2 ( Section 605B ) failure to block disputed identity theft information 15 U.S. Code 1681i failure to properly reinvestigate disputed tradelines Im requesting immediate enforcement of my rights and removal of all accounts tied to the identity theft claims already submitted. TransUnion is in clear violation of federal law, and this behavior is actively harming my credit and delaying urgent housing opportunities.

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 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XX/XX/year>, I requested a transfer for {$120.00}. Including fees, I paid {$120.00} from my account with Wise Payments Limited. I was informed by the recipient that the money did not arrive. I notified Wise. I followed all instructions they gave in their response. On XX/XX/year>. They responded saying they are checking on the transfer. That is the last I heard from them. 
I again contacted them and received a response on XX/XX/year>. On XXXX XXXX I was informed that they came to a determination but did not tell me what this determination was. 
I am asking for a full refund of the money I attempted to transfer plus fees charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
I am writing to dispute and request the removal of inaccurate personal information currently listed on my credit report, including incorrect phone numbers, names, addresses, and employment details. These items are not associated with me and appear to be reporting errors or the result of mixed or merged credit files. 

This inaccurate information is not only misleading but may also be contributing to other reporting issues. I have no affiliation with the names, addresses, or employers listed, and I have not used or provided the phone numbers shown. 

I have contacted the credit reporting agencies regarding these discrepancies, but the incorrect information remains on my file. I am requesting that the CFPB take action to have these items thoroughly investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all information on a credit report be accurate and verifiable. 

Please help ensure that only correct and up-to-date personal identifying information appears on my credit profile. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX These are the incorrect info that needs to be removed ; these are the addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These are the names, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. These are the phone numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. This is the employment, XXXX XXXX XXXX. ( Which I need removed immediately please ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
I am writing to dispute and request the removal of inaccurate personal information currently listed on my credit report, including incorrect phone numbers, names, addresses, and employment details. These items are not associated with me and appear to be reporting errors or the result of mixed or merged credit files. 

This inaccurate information is not only misleading but may also be contributing to other reporting issues. I have no affiliation with the names, addresses, or employers listed, and I have not used or provided the phone numbers shown. 

I have contacted the credit reporting agencies regarding these discrepancies, but the incorrect information remains on my file. I am requesting that the CFPB take action to have these items thoroughly investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all information on a credit report be accurate and verifiable. 

Please help ensure that only correct and up-to-date personal identifying information appears on my credit profile. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX These are the incorrect info that needs to be removed ; these are the addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These are the names, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. These are the phone numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. This is the employment, XXXX XXXX XXXX. ( Which I need removed immediately please ).

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 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear CFPB Team, I am submitting this complaint to report LVNV Funding LLC for inaccurately reporting a debt on my credit report that does not belong to me.

LVNV Funding is reporting a collection account that was allegedly sold to them by XXXX XXXX XXXX, but I was never a customer of XXXX  XXXX, I never opened this account, and I have no knowledge of this debt.

Here are the details : Debt Collector : LVNV Funding LLC Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Date Reported to Credit Bureaus : XX/XX/year> Date Discovered : XX/XX/year> Actions Taken : I disputed the account directly with LVNV Funding LLC, but they have refused to remove the inaccurate reporting.

I have also disputed the entry with the credit bureaus as fraudulent and not mine.

I have not received any valid proof that this account is legitimately tied to me, nor any evidence of authorization or account ownership.

Despite multiple requests, LVNV continues to report this debt and refuses to remove it, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I am requesting that : 1. LVNV Funding LLC be required to cease all reporting of this inaccurate debt to the credit bureaus.

2. All negative information related to this account be deleted from my credit file with XXXX XXXX and XXXX. 
3. An investigation into LVNV Fundings repeated failure to comply with consumer protection laws be initiated.

Thank you for your assistance in resolving this matter. This debt is not mine, and I should not be held responsible for an account I never opened or authorized.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not open or authorize the account ( s ) or debt ( s ) listed below and have no knowledge of the transactions associated with them. I also found out my personal information was leaked on multiple data breaches without my knowledge or consent. I discovered this fraudulent activity on XX/XX/2025, and I have taken the necessary steps to protect my identity, including filing a police report and placing fraud alerts on my credit file. After numerous attempts to contact the company, I have not received a response back.

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 2025-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Possible Financial Inc
State: FL

Complaint narrative:
Account Possible Financial INC # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XXXX I attempted to pull cash from an ATM, input my pin, but upon cash withdrawal was receiving an error. I saw message on my phone at XXXX XXXX  that my transaction was declined, and if I attempted the transaction. I responded Yes. There was an immediate follow up to try again in one minute. After an additional attempt, the card was declined again.

I called Wells Fargo customer service, verified my identity, and was asked to attempt an additional ATM withdrawal. The card was declined, and I was transferred to the risk management department. I again verified my identity over the phone and through a code sent through text. I was informed there was no hold on my card, and the problem was " either the card or the machine ''.

I attempted to go to another atm, declined. I went directly to a Wells Fargo ATM and used the chip, and was informed to call the " risk management department ''. I called the number provided and they were closed. Upon calling customer service again, I was immediately directed to the " risk management account takeover department '' and informed they were closed. I am locked out from securing the medication and meals needed today with no recourse ; and no reason as to why my card/account it locked despite verifying my identity at every prompt.

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 2025-07-27 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:
This account continues to be on my report after multiple disputes. Equifax continues to say the information is accurate or the FTC report is incomplete and will not remove the account please help me as inaccurate information hurts my credit report from future credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-27 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: FL

Complaint narrative:
I am a former victim of XXXX XXXX, and as a result, my identity was stolen and used to open multiple fraudulent accounts. I filed a police report with the XXXX XXXX XXXX XXXX on XX/XX/2025, submitted an FTC Identity Theft Report, and provided a valid written block request under FCRA Section 605B.

Experian initially blocked two fraudulent accountsXXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXXbut then reinserted them. On or around XX/XX/2025, I received an email from Experian stating they obtained " additional information '' and reversed the block. They claim my request was based on a material misrepresentation or that I benefited from the transaction, without providing proof or notifying me in advance, which is required under federal law.

This is a violation of the Fair Credit Reporting Act, Section 605B and 611, which mandates proper blocking and investigation of identity theft claims. I did not authorize these accounts, and I have complied fully with the legal requirements.

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