vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding a collection account currently reported by Credit Collection Services ( CCS ) on behalf of XXXX XXXX XXXX XXXX for the amount of {$510.00}. 

This account was previously deleted from my credit report after being reported by a different collection agency, and it has now been reinserted without proper notice or verification. This action appears to violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Background : Original creditor : XXXX XXXX XXXX Co. 

Current debt collector : Credit Collection Services ( CCS ) Amount : {$510.00} Account opened : XX/XX/XXXX Balance updated : XX/XX/XXXX Credit bureau : XXXX  Status : Still listed as a collection account despite a formal dispute Key Violations and Concerns : 1. Unauthorized Reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ) The previous collection agency reporting this debt was removed from my credit report. Now it appears CCS has reinserted the same debt without proper written notification within 5 business days, as required by law.

2. Failure to Validate the Debt ( FDCPA 809 ( b ) ) I have never received any debt validation notice or proper communication from CCS. I was not given the opportunity to request verification before this debt was placed on my credit report.

3. Continuous Reporting After Dispute ( FCRA 623 ( a ) ( 3 ) ) The account is marked as consumer disputed, but CCS has continued reporting the debt without adequately verifying it, which is misleading and harmful to my credit profile. 


4. Damaging and Inaccurate Reporting This collection account is negatively impacting my XXXX  Score ( currently XXXX ), and was reinserted after deletion suggesting possible inaccurate and unfair reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
I am submitting this complaint against all three national credit bureaus for willfully continuing to report inaccurate, unverifiable, and unauthorized derogatory information on my credit file. I have submitted disputes directly to Experian, Equifax, and TransUnion regarding the following accounts : XXXX XXXX * * ( TransUnion ) * * XXXX XXXX XXXX XXXX XXXX ( Experian, Equifax, TransUnion ) * * XXXX XXXX XXXX XXXX * * ( Experian, TransUnion ) * * Despite providing formal notice and legal dispute under the Fair Credit Reporting Act ( FCRA ), these bureaus continue to report these accounts without lawful justification, complete validation, or any consumer-signed authorization. 

Detailed Violations : Failure to Investigate ( FCRA 611 ) : All three bureaus failed to conduct a lawful reinvestigation after receiving my dispute. No documentation was provided, and the accounts remain unchanged despite material factual inconsistencies. 

Furnishing Inaccurate and Conflicting Data ( FCRA 1681e ( b ) ) : The XXXX XXXX  account shows contradictory data across the three bureaus. XXXX and XXXX both report incomplete or fabricated information that fails Metro 2 standardization. 

No Permissible Purpose ( FCRA 1681b ) : No authorization exists for XXXX or XXXX XXXX to report on my file. There is no signed application, service agreement, or account validation. 

Failure to Suppress Compromised Data ( FCRA 1681c-2 ) : I am a documented victim of the Equifax Data Breach , which resulted in the exposure of my private information. Furnishing or maintaining unverifiable or unauthorized negative data under these circumstances is grossly negligent.

Refusal to Verify Under 609 ( a ) ( 1 ) : No valid verification documents were provided. I requested contracts, itemized billing, and lawful authority to reportall of which were ignored or denied.

Willful Non-Compliance ( FCRA 1681n ) : Continued furnishing of disputed and unverifiable data without taking corrective action constitutes intentional non-compliance. The bureaus are aware of the errors and have not acted. 

These agencies are in violation : - 15 U.S.C 1681 602 ( a ) : I have the right to privacy.

- 15 U.S.C 1681 604 ( a ) ( 2 ) : No account may be furnished without my written instructions.

- 15 U.S.C 1681c ( a ) ( 5 ) : No consumer report may include adverse information older than seven years, excluding criminal convictions.

- 15 U.S.C 1681s-2 ( a ) ( 1 ) : A furnisher must not report any data it knowsor should reasonably knowis inaccurate. 

Please review the attached dispute letters and FTC complaint filing submitted as supporting documentation for this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
I am submitting this complaint against all three national credit bureaus for willfully continuing to report inaccurate, unverifiable, and unauthorized derogatory information on my credit file. I have submitted disputes directly to Experian, Equifax, and TransUnion regarding the following accounts : XXXX XXXX * * ( TransUnion ) * * XXXX XXXX XXXX XXXX XXXX ( Experian, Equifax, TransUnion ) * * XXXX XXXX XXXX XXXX * * ( Experian, TransUnion ) * * Despite providing formal notice and legal dispute under the Fair Credit Reporting Act ( FCRA ), these bureaus continue to report these accounts without lawful justification, complete validation, or any consumer-signed authorization. 

Detailed Violations : Failure to Investigate ( FCRA 611 ) : All three bureaus failed to conduct a lawful reinvestigation after receiving my dispute. No documentation was provided, and the accounts remain unchanged despite material factual inconsistencies. 

Furnishing Inaccurate and Conflicting Data ( FCRA 1681e ( b ) ) : The XXXX XXXX  account shows contradictory data across the three bureaus. XXXX and XXXX both report incomplete or fabricated information that fails Metro 2 standardization. 

No Permissible Purpose ( FCRA 1681b ) : No authorization exists for XXXX or XXXX XXXX to report on my file. There is no signed application, service agreement, or account validation. 

Failure to Suppress Compromised Data ( FCRA 1681c-2 ) : I am a documented victim of the Equifax Data Breach , which resulted in the exposure of my private information. Furnishing or maintaining unverifiable or unauthorized negative data under these circumstances is grossly negligent.

Refusal to Verify Under 609 ( a ) ( 1 ) : No valid verification documents were provided. I requested contracts, itemized billing, and lawful authority to reportall of which were ignored or denied.

Willful Non-Compliance ( FCRA 1681n ) : Continued furnishing of disputed and unverifiable data without taking corrective action constitutes intentional non-compliance. The bureaus are aware of the errors and have not acted. 

These agencies are in violation : - 15 U.S.C 1681 602 ( a ) : I have the right to privacy.

- 15 U.S.C 1681 604 ( a ) ( 2 ) : No account may be furnished without my written instructions.

- 15 U.S.C 1681c ( a ) ( 5 ) : No consumer report may include adverse information older than seven years, excluding criminal convictions.

- 15 U.S.C 1681s-2 ( a ) ( 1 ) : A furnisher must not report any data it knowsor should reasonably knowis inaccurate. 

Please review the attached dispute letters and FTC complaint filing submitted as supporting documentation for this case.

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 2025-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2025 {$510.00} added to collection Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: KS

Complaint narrative:
Please refer to XXXX This was resolved and closed. However- they just reported it incorrectly AGAIN as of about 2 weeks ago. As a result, I was denied credit. Can I take legal action against PenFed for this egregious error that keeps happening?

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I am a XXXX client. Morgan Stanley sent me a letter on XX/XX/year>, stating that the restriction on my account had been lifted and that I was welcome to transfer my funds using the XXXX XXXX after signing the required XXXX form. I signed the form, and Morgan Stanley received it via XXXX on XX/XX/year>, at XXXX XXXX  with confirmed delivery. 

Despite this, they blocked the transfer to my new bank, XXXX XXXX. This directly contradicts their own written statement and has no legal basis. 

I am now completely cut off from communication. Morgan Stanley has rejected all of my emails to multiple departments, including Risk Management. I also left three voicemails, none of which were returned. On XX/XX/XXXX, I received an email from a team member named XXXX with a link, but the message was blank or invalid. When I logged into the Morgan Stanley platform, there was no message at all. 

I believe this is being done intentionally to cause harm, emotionally and financially, because I reported them to regulatory bodies. Internal messages labeled me as disrespectful, and Ive been told I have no option as long as they decide. Even the letter confirming that restrictions were lifted appears to have been deleted from their system after I viewed it. 

I currently have no access to my own retirement funds. My bills are overdue, Im experiencing a shortage of food, and Im facing IRS interest and penalties because Morgan Stanley refuses to release funds for tax payments, stating I must wait for a vague final notice. 

I believe this is retaliation for reporting them to FINRA earlier this year. Since then, Ive been punished with communication blocks, delays, and demands to justify personal expenses, despite no court order or legal freeze on my account. 

This is no longer a compliance issue. It is financial control, coercive retaliation, and XXXX  abuse. I am asking the CFPB to reopen my case, investigate Morgan Stanleys misconduct, and help me restore access to my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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 found it inaccurate negative itemOh my credit reportTo remove it its not verifiableI request a full investigation under the credit fairACTFRCA Please remove this unverified unverified itemItem XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: IN

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-28 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: PA

Complaint narrative:
Experian Report Number ( XXXX ) I have disputed the information on the report to be inaccurate and the information still appears on my credit report. My identity has been stolen and my personal and bank account information was compromised. I am asking they all the old and inaccurate information be deleted. The inaccurate information on my credit report allowed for it to be stolen. I am willing to file a lawsuit if this information is not corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously disputed this item, but TransUnion claimed it was verified as accurate. However, I am a XXXX XXXX XXXX XXXX and under 15 U.S. Code 1681c3, I have the right to have all adverse credit items resulting from identity theft or XXXX  permanently removed from my credit report. The XXXX XXXX  bankruptcy ( Docket # XXXX ) and related fraudulent accounts were not authorized by me and are a direct result of XXXX XXXX 

Furthermore, the XXXX Bankruptcy XXXX for XXXX Michigan has confirmed that it does not verify bankruptcy information to credit reporting agencies. Under FCRA 1681i ( a ), credit reporting agencies must conduct a reasonable reinvestigation and verify disputed information directly with the original sourcein this case, the court. Since the court does not provide such verification, any attempt by TransUnion to verify this bankruptcy using other sources violates federal law.

As required by federal law, I demand this items immediate removal. Failure to comply will result in legal and regulatory escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I closed my XXXX XXXX card in XX/XX/year> in person at a XXXX branch, and was told it was fully shut down. However, XXXX failed to close the account and later charged me for a XXXX subscription thats not mine, a {$90.00} annual fee, and additional interest and late fees all without ever notifying me.

I also closed my corporate accounts after 20+ years of a good history. Ive been a good customer for decades.

I was only made aware once it was sent to collections and falsely reported as 180 days delinquent, which destroyed my credit. 

I attempted to resolve this directly with XXXX via certified letter and email to their executive office. No response. I am submitting my evidence to CFPB and requesting that XXXX immediately remove the derogatory reporting from all credit bureaus. 

I am willing to pay the balance once my credit is restored and XXXX acknowledges their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
I closed my XXXX XXXX card in XX/XX/year> in person at a XXXX branch, and was told it was fully shut down. However, XXXX failed to close the account and later charged me for a XXXX subscription thats not mine, a {$90.00} annual fee, and additional interest and late fees all without ever notifying me.

I also closed my corporate accounts after 20+ years of a good history. Ive been a good customer for decades.

I was only made aware once it was sent to collections and falsely reported as 180 days delinquent, which destroyed my credit. 

I attempted to resolve this directly with XXXX via certified letter and email to their executive office. No response. I am submitting my evidence to CFPB and requesting that XXXX immediately remove the derogatory reporting from all credit bureaus. 

I am willing to pay the balance once my credit is restored and XXXX acknowledges their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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 closed my XXXX XXXX card in XX/XX/year> in person at a XXXX branch, and was told it was fully shut down. However, XXXX failed to close the account and later charged me for a XXXX subscription thats not mine, a {$90.00} annual fee, and additional interest and late fees all without ever notifying me. 

I also closed my corporate accounts after 20+ years of a good history. Ive been a good customer for decades.

I was only made aware once it was sent to collections and falsely reported as 180 days delinquent, which destroyed my credit. 

I attempted to resolve this directly with XXXX via certified letter and email to their executive office. No response. I am submitting my evidence to CFPB and requesting that XXXX immediately remove the derogatory reporting from all credit bureaus. 

I am willing to pay the balance once my credit is restored and XXXX acknowledges their error.

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 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
tried to login to my accounts online & keep getting error message. When I called customer service, they said my accounts were " Frozen and I had to go to my local branch of the bank and speak to the manager to find out the reason. I went to my local branch and the manager told me she could help me, she had no information, and I had to wait for a letter from the dept handling the account. I told her I had bills to pay & direct withdraw issues that would cost me extra fees for failure to pay the bills. I was told they can not help me & that was my problem. They refused any help, any information while I was there.

Company response to consumer: Closed with explanation