vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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 am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts XXXX on XX/XX/XXXX under account number XXXX with a balance of {$2600.00}, one at Dept Of Ed on XX/XX/XXXX under account number XXXX with a balance of {$2600.00}, and another at Dept Of Ed on XX/XX/XXXX under account number XXXX with a balance of {$3800.00} that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts include one opened at XXXX on XX/XX/XXXX under account number XXXX with a balance of {$2600.00}, one at Dept Of Ed on XX/XX/XXXX under account number XXXX with a balance of {$2600.00}, and another at Dept Of Ed on XX/XX/XXXX under account number XXXX with a balance of {$3800.00}. 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 ). 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1. Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2. A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3. Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt. 
XXXX. Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor XXXX no longer have a valid claim, as illustrated in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 
Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity.

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

CREDIT COLLECTION SERVICES XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts Dept Of Ed in XXXX under account number XXXX with a balance of {$2600.00}, and another also with Dept Of Ed opened in XX/XX/XXXX under the same account number with a balance of {$3800.00} that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts include one opened at Dept Of Ed in XX/XX/XXXX under account number XXXX with a balance of {$2600.00}, and another also with Dept Of Ed opened in XX/XX/XXXX under the same account number with a balance of {$3800.00}. 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 ). 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not received anything in writing about the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Dear XXXX Dispute Department, I am formally disputing the accuracy and validity of the account reported by I C SYSTEM, currently appearing on my credit report. This account is inaccurate, incomplete, and/or can not be verified in compliance with federal law. 

Alleged Account Details Creditor : I C SYSTEM Date Opened : XX/XX/year> Balance : {$270.00} Account Status : Open Reported by : XXXX In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I demand a thorough and lawful reinvestigation into this account. If you are unable to fully verify the accuracy, complete reporting, and current validity of this item within 30 days, you are required to DELETE this account from my credit file. 

You are also reminded of your obligations under : FCRA 1681i ( a ) Requires prompt investigation and deletion of unverifiable or inaccurate information.

FCRA 1681e ( b ) Requires maximum possible accuracy.

FCRA 1681c ( a ) ( 4 ) Outdated information may not be reported.

FCRA 1681s-2 ( b ) Furnishers must correct or delete inaccurate or unverifiable data.

FDCPA 15 U.S. Code 1692e Prohibits any false, deceptive, or misleading representation.

The account status is listed as Open yet no monthly payment is reported, and there is a {$0.00} payment amount listed these are contradictory and indicative of incomplete and inaccurate reporting. Additionally, if this is a collection account, it must be marked Closed and not show an interest rate of 0.00 %, which may misrepresent the nature of the debt this directly violates FCRA 1681e ( b ) and FDCPA 807.

Action Demanded Due to the legal violations cited above and the apparent failure to maintain accurate, complete, and verifiable data, I am demanding the immediate and permanent deletion of this item from my credit file. 

Please provide, in writing : XXXX. The method of verification used. 


XXXX. The name and contact information of the party who verified the debt. 


XXXX. A complete description of how this data was verified. 


XXXX. A revised credit report reflecting the deletion. 

If this item is not deleted within the XXXX FCRA investigation period, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my State Attorney General for willful noncompliance with federal credit reporting law. 

I am keeping detailed records of all correspondence. This is a formal dispute. Please ensure all communication is in writing

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
A few weeks ago I was involved in a scam. The scam in question was someone pretending to be an artist who wanted to use a picture of me from a video I posted and I was going to receive part of the commission {$400.00}, for aiding the artist. I received the money via check in which after further communication with said person realized I was deep in a scam. Communication was held with the fraud team of wells Fargo. I explained what happened including the falsified check in which I did not realize was a false check when I originally cashed it. I was told that my account was fine since I did not give out personal information in regards to me or my banking information. The next day XX/XX/year> I was notified of my account being closed. My account was frozen with no access to my money to pay my bills. My account is set to close XX/XX/year> and will not receive my money for 7-10 days additional. I have not been able to pay my bills and have constantly been given the run around about what is going on. I was originally told I could go to a branch to withdrawal the funds from my account then was told I could not withdrawal the funds. I am close to being evicted from my apartment because they are withholding money and have been extremely stressed about how I will pay my bills as I dont make that much per paycheck. I confirmed with them that I no longer wanted to open my account since this placed severe mistrust in the company and practices after all information was given and still locked out of my account. I believe the wrong steps were taken and wrongfully closing of my only bank accounts which is through wells Fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize this hard inquiry and have no past or current affiliation with the company that initiated it. This unauthorized activity may be indicative of identity theft.

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 2025-07-09 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:
This letter serves as a formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding several inaccurate and unlawfully reinserted accounts on my EQUIFAX credit file, as well as an unauthorized credit inquiry. First, the mortgage tradeline for XXXX XXXX XXXX, Account # XXXX, originally opened on XX/XX/XXXX with a reported balance of {$250000.00}, was previously deleted across all major bureaus as of XX/XX/XXXX, but has since been reinserted into my EQUIFAX reports as of XX/XX/XXXX. This reinsertion was conducted without the required written notice within five business days as mandated by FCRA 611 ( a ) ( 5 ) ( B ). Furthermore, the account is inaccurately reporting multiple late payments ( 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX ), which I dispute as erroneous and unverified. This is a direct violation of EQUIFAX 's obligation to ensure the maximum possible accuracy of consumer information under FCRA 607 ( b ). 

The EQUIFAX file also reflects additional tradelines with serious reporting errors. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, is listed as a charge-off with a balance of {$190.00}. This reporting is inherently misleading, as a charge-off should not simultaneously reflect a negative balance, which suggests an account overpayment or refund. This inconsistency misrepresents the actual financial status of the account and violates FCRA accuracy standards. The XXXX Account # XXXX, opened on XX/XX/XXXX, was previously deleted but was also reinserted on XX/XX/XXXX, again without any notification to me. It is marked as closed and 30 days late in XX/XX/XXXX, an allegation I dispute and which lacks proper verification. Similarly, the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX with a balance of {$1100.00} and labeled as a charge-off, has remained on file without the required validation, supporting documentation, or permissible purpose for continued derogatory reporting. 

Lastly, my EQUIFAX file reflects a hard inquiry by XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not apply for any credit with this institution on or around that date, and no permissible purpose existed under FCRA 604 ( a ) to justify this inquiry. The presence of this unauthorized inquiry constitutes an invasion of my privacy and a failure on EQUIFAXs part to prevent the dissemination of my consumer report to unauthorized third parties. I am requesting a full investigation into the source of this inquiry and its immediate removal if consent or permissible purpose can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 submitting this formal dispute under the FCRA, 15 U.S.C. 1681, and the FDCPA, 15 U.S.C. 1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. Continued reporting of these items in light of known legal violations exposes your agency to liability under federal law.

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 2025-07-09 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
This is my second complaint that American express didn't contact me regarding the credit card debt ( not mine ) and only did it through law suit. They said they going to investigate in their fraud department. With them not corrupting I had to hire a lawyer because they wanted me to contact their law firm regarding the lawsuit. My lawyer tried to contact them and very difficult to deal with. When my lawyer filed former response to the court they tried to go to mediation and then dropped the case. American express cost me a few XXXX dollars in legal fees that could be avoided if worked with me and looked into it. Once I lawyer and knew they couldn't get a judgment against me they ran away. I like to get my legal fees back because this was so unnecessary!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for XXXX XXXX ( XXXX ). Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " XXXX  days past due '' delinquency. Experian is reporting " Paid account/was XXXX  days past due '' with a " XXXX-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( XXXX ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 
Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within XXXX  days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MO

Complaint narrative:
Cash app refused to accept my claim ID for the data breach and missing money

Company response to consumer: Closed with explanation