vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to file a formal complaint against Clarity Services , Inc. for violations of my consumer rights under federal law, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809.

Clarity Services , Inc. is reporting inaccurate and misleading information on my credit report. These reported items are factually incorrect and unverifiable, constituting a direct violation of the FCRA, specifically 15 U.S.C. 1681i ( a ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation of any disputed information and promptly delete or correct inaccurate data. Additionally, I have never authorized Clarity Services , Inc. to collect, use, or share my confidential personal and financial information. Their actions constitute a clear violation of 15 U.S.C. 6802 under the GLBA, which mandates that consumers must be provided notice and the opportunity to opt out before their nonpublic personal information is disclosed to third parties.

I have attached a copy of the letter I previously sent to Clarity Services , Inc., detailing the discrepancies and factual inaccuracies regarding their reporting. Despite my dispute, these issues remain unresolved, and Clarity Services continues to report damaging and inaccurate information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-26 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5400.00}

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 2025-04-26 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: IL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft.

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity.

Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status XXXX XXXX XX/XX/year> {$17000.00} Charged Off / XXXX XXXX XXXX XXXXXX/XX/year> {$7100.00} Late 60 Days / Closed XXXX  XX/XX/year> {$9700.00} Current Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of Inquiry Credit Bureau XXXX XXXX  XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5400.00}

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.

Copies of any signed agreements or contracts establishing my liability for this debt.

6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt. 
Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt. 
Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary.

Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, I was the victim of a wire transfer scam. I received a fraudulent phone call spoofed to appear as Wells Fargo Bank, from phone number XXXX ( XXXX ) XXXX. Under false pretenses, I was convinced to wire {$9700.00} to an account at XXXX XXXX Bank. 

I immediately contacted my bank ( Wells Fargo ) to report the fraud and requested a wire recall and fraud investigation. However, my bank informed me they would not take action to attempt to recover the funds. I believe the bank failed to properly investigate under federal wire fraud regulations and FFIEC guidelines. 

I am requesting that my bank make a good faith effort to recall the fraudulent wire transfer and assist in recovering the stolen funds, as per their obligations in cases of wire fraud. 

I have also reported this incident to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and my local police department. 

I request the CFPBs assistance in compelling the bank to fulfill its responsibilities regarding fraudulent wire transfers

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I was previously getting calls incessantly about a debt that I didn't know that I had owed. I just came across paperwork while visiting my parents stating that they were suing me in the XXXX XXXX XXXX. I was living out of state at the time and the paperwork was delivered to my parents and I was not notified. They would nonstop harass me with phone calls after I instructed them to stop. This was roughly around XX/XX/year>. I am not sure when they delivered the court documents to my elderly parents. When I came across the document my mother had told me that some man said is " xxx '' here? She said no and he forced her to take the paperwork and said that I had been served. I had no knowledge of the proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 

As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 

The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * * * Balance Owed : {$4100.00} XXXX XXXX XXXX  * * Balance Owed : {$50.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 

As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 

The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * * * Balance Owed : {$4100.00} XXXX XXXX XXXX  * * Balance Owed : {$50.00} 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 XXXXXX/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 2025-04-26 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: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Consumer Portfolio Services ( CPS ) for reporting inaccurate, misleading, and unverifiable information on my credit profile, in direct violation of federal consumer protection laws.

Specifically, CPS is violating the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : CPS has failed to conduct a proper reinvestigation into the inaccurate information after being notified of the dispute.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : CPS is knowingly reporting false information and has not corrected it despite being informed of its inaccuracy.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802 : CPS has unlawfully shared my private financial information without my consent, violating my right to financial privacy.

Despite my attempts to notify CPS of the discrepancies and provide supporting evidence, the company continues to report this inaccurate information to consumer reporting agencies. This is damaging my credit reputation and financial opportunities based on information that is clearly false and unverified.

Attached to this complaint is a copy of the letter I sent to Consumer Portfolio Services, detailing every discrepancy and inaccuracy. Their continued failure to investigate and correct this misinformation is unlawful, irresponsible, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am complaining about TransUnion saying this pell XXXX is mine and wanting to do a charge off. This is not right when I complained about it they said that u.s department of education is not mine plus I have police report number XXXX along with an ftc report number XXXX I feel like when they hit my credit report u.s department of education it should not because my identity was stolen plus I have no clue why this XXXX XXXX was mine because I never opened it. I feel like no one wants too help me with being 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 2025-04-26 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: Kansas Counselors, Inc.
State: KS

Complaint narrative:
A medical bill from XXXX XXXX was reported on my credit. This is a medical debt resulting from emergency ambulance transport and is subject to the CFPBs 2025 rule banning medical debt reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My capital one quick silver credit card & XXXX  charges too much interest, My interest rates are almost the same as my minimum payment every month, All my money is going towards interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX INQUIRIES XXXX XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX FCU - XX/XX/XXXX XXXX XXXX - XXXX, XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent money via XXXX XXXX to an individual from the internet to purchase tickets for a XXXX game. The person took my money and did not send the tickets. The person then blocked me and I could not locate them on XXXX anymore. 
After multiple attempts of messaging the thread I filed a dispute with Bank of America. 
Bank of America denied my claim, I am unsure how they denied my claim when they could not locate the person and verify goods received.

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 2025-04-26 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: NV

Complaint narrative:
Fair Collection and Outsource place a joint filing with all three credit agencies XXXX, TransUnion and XXXX. All didnt perform a correct investigation of this matter at hand.

1 All three credit agencies XXXX, TransUnion and XXXX  did require Fair Collection and Outsourcing to provide the Purchase Agreement XXXX Upon not receiving the necessary documents, Purchased Agreement, this action is fraudulent to the consumer / victim an need to be removed from all credit agencies.

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 2025-04-26 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: NV

Complaint narrative:
Fair Collection and Outsource place a joint filing with all three credit agencies Equifax, XXXX XXXX XXXX. All didnt perform a correct investigation of this matter at hand.

1 All three credit agencies EquifaxXXXX XXXX XXXX XXXX did require Fair Collection and Outsourcing to provide the Purchase Agreement 2 Upon not receiving the necessary documents, Purchased Agreement, this action is fraudulent to the consumer / victim an need to be removed from all credit agencies.

Company response to consumer: Closed with explanation