vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute information contained in my credit file with Equifax Information Services LLC that may have been obtained, used, or reported in violation of federal privacy laws, specifically 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act. 

Under this statute, financial institutions are prohibited from disclosing nonpublic personal information about consumers to non-affiliated third parties without first providing clear notice and an opportunity to opt out. The companies listed below have shared or used my personal financial information without proper authorization or privacy notice, which may have resulted in the inaccurate or unauthorized entry on my credit report as reported through Equifax Information Services LLC. 

The entry in question is as follows : Creditor/Institution : XXXX XXXX XXXX XXXXXXXX Account XXXX In ( Last XXXX Digits ) : XXXX Date Reported : XX/XX/XXXX Creditor/Institution : XXXX XXXX XXXXXXXX XXXX XXXX XXXXcount XXXX XXXX XXXX XXXX XXXX Digits ) : XXXX Date Reported : XX/XX/XXXX Creditor/Institution : XXXX XXXX XXXX Account Ending In XXXX XXXX XXXX XXXX ) : XXXX Date Reported : XX/XX/XXXX Creditor/Institution : XXXX XXXX Account Ending In ( Last XXXX Digits ) : XXXX Date Reported : XX/XX/XXXX Because this may involve a violation of federal privacy law, I request the following : 1. A reinvestigation of this entry under your responsibilities outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

2. Removal of the item if it can not be verified as lawfully obtained and reported.

3. A written statement of your investigation results, including confirmation of the legal basis for the informations inclusion.

Enclosed are documents supporting my dispute, including a copy of my credit report with the item highlighted, my identification, and proof of address.

Please complete your investigation within the 30-day time frame as required by federal law. If the disputed information is found to have been disclosed in violation of my privacy rights, I expect it to be removed immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
In reviewing my credit report, I identified XXXX collection accounts reported by XXXX XXXX XXXX and XXXX by Jefferson Capital Systems XXXX that are inaccurate and fraudulent. I did not authorize or open these accounts, nor have I ever resided at any address associated with them. 

Account Details : Jefferson Capital Systems XXXX Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX XXXX ( XXXX separate entries ) Opened : XX/XX/XXXX Balances : {$3400.00} and {$2200.00} XXXX discovered these accounts while reviewing a background report dated XX/XX/XXXX, and immediately began the dispute process. I contacted the credit reporting agencies and requested an investigation under the Fair Credit Reporting Act ( FCRA XXXX and XXXX ), requesting original signed documentation to verify these debts. 

To date, I have not received valid documentation proving that I opened or authorized these accounts. These debts are damaging my credit and do not reflect my current or past financial behavior. I have maintained on-time payments on all legitimate accounts since reestablishing my credit. 

I am requesting a full reinvestigation and permanent deletion of these accounts as required under FCRA if they can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
XXXX XXXX XXXX I signed up for XXXX XXXX due to a promotion offering a free XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX repeatedly attempted delivery only during a narrow XXXXXXXX XXXX  window while I was at work, and I was not allowed to change the delivery time or location. I never received the devices. 

I never activated my XXXX XXXX XXXX and switched to XXXX XXXX but could not port my number until the XXXX order was restocked in the warehousea delay that took weeks and required multiple calls. Despite never activating service or receiving equipment, XXXX began billing me ( ~ {$120.00} initially, then {$12.00} ). Multiple agents and supervisors assured me I owed nothing. 

Despite these assurances, XXXX sent the {$12.00} charge to collections. I dispute the debt and consider this a deceptive billing practice. I received no services or equipment and was misled repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX contacted them and told them I was a victim of identity death they asked me to provide a driver license and Social Security number and a form of residence I did but its been over 120 days and I submitted a dispute letter to Experian and Equifax they didnt do the investigation right they sent me a letter saying that it was verified I know theyre not doing their job right because the account still shows open and outstanding balance at the dates are wrong please update the correct this information and XXXX XXXX is not reporting XXXX XXXX XXXX I was a victim of Equifax data breach. And experience

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 2025-05-28 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: FL

Complaint narrative:
I sent a letter, along with my identification, proof of address, and explanation describing in detail the incorrect information published on this account, in my credit report. I requested for a proper investigation resulting in the information remaining inaccurate and incorrect.

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-05-28 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-28 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: MI

Complaint narrative:
I am victim of Data Breach and Identity Theft. I recently reviewed a copy of my credit report and notice I have fraudulent accounts on my report. These fraudulent accounts are hurting my ability to obtain credit.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please Remove these hard inquiry immediately I didnt authorize these hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC bank allowed someone to withdraw XXXX they did not return any money or credit said they found nothing wrong now after that theyve allowed someone to submit a fraudulent check into my account with incorrect name address and without my consent my account is now below XXXX and Im the negative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I sent a letter, along with my identification, proof of address, and explanation describing in detail the incorrect information published on this account, in my credit report. I requested for a proper investigation resulting in the information remaining inaccurate and incorrect.

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 2025-05-28 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: FL

Complaint narrative:
I recently reviewed and was able to access my full credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-28 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report, as provided by your agency. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ), which requires your agency to conduct a reasonable reinvestigation of disputed items, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which obligates you to provide me with a written description of the procedure used to determine the accuracy and completeness of the information after a reinvestigation, and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which governs the reinsertion of previously deleted information XX/XX/year> Midland credit management reported to XXXX  an account balance of {$1600.00} in collections with their agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Per XXXX review ) 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 this Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX as soon as possible from my report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XX/XX/year> MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Re : Request for Debt Validation Account Number : [ XXXX ] To Whom It May Concern : I am writing to you regarding a debt you claim I owe. Please be advised that I am requesting validation of the alleged debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Under this law, I have the right to request verification and details of the debt you claim I owe. Therefore, please provide me with the following : The amount of the alleged debt. 
The name of the original creditor. 
A copy of the original contract or agreement bearing my signature. 
Proof that you are legally authorized to collect this debt. 
A complete payment history, starting from the original creditor.

Until you provide the requested validation, please cease all collection activities and stop reporting this account to credit reporting agencies, as doing so without validation may be a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
Please treat this letter as a formal dispute of the debt. If you do not respond within 30 days, I will consider the matter closed and expect that any adverse reporting on my credit file will be removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block 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. I am filing this FTC Identity Theft Affidavit to report XXXX 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 fraudulent accounts consist of a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute a debt collection entry on my credit report with Experian Reporting Agency that I believe is the result of conduct violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This law was enacted to eliminate abusive, deceptive, and unfair debt collection practices. 

The account in question is as follows : Collection Agency/Creditor : XXXX XXXX XXXX Account Number ( First 6 Digits ) : XXXX Date Reported : XXXX I am disputing this account because the debt was never validated, I was never properly notified, and this amount is inaccurate or inflated by unauthorized fees. These actions may constitute violations of my rights under the FDCPA.

Under both the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the FDCPA, I request the following : 1. An investigation into the accuracy and legal basis of this collection account.

2. Removal of the entry if the debt can not be verified as accurate and collected in full compliance with federal law. 
3. Written confirmation of the outcome of your investigation. 

I expect a full and fair investigation and a response within 30 days as required by law. 

Sincerely, 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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/XXXX, I fell victim of a scam. I received a phone call regarding my USAA checking account. The representative informed me that someone in XXXX had accessed my account and has made or attempted to make fraudulent charges in the sum of {$10000.00}. This phone call seemed legit, it came from a USAA number, it showed up on my caller ID as USAA, I received a message via the app of possible fraudulent charges, so I didn't think anything of it. I noticed a deposit of {$5000.00} was made into my checking account, the individual on the phone informed me that this needed to be corrected. So, instructed me to transfer {$2500.00}, into XXXX XXXX and then transfer it to another bank. After this transaction I became suspicious and questioned since they were from USAA why they couldn't just take it directly from my account since I had reached my limit for the day. I was told they couldn't do that and set up a time to call back at XXXX XX/XX/XXXX. I hung up and called USAA directly to report what had just happened. A dispute was initiated, and the initial {$5000.00} was removed from my account, then {$2500.00} was refunded and then after their investigation it was reversed leaving my checking account deeply negative. This money was for my rent and groceries. Money I could not afford to lose. I disputed their decision, provided documents from XXXX XXXX of the transaction history only to find out that it was likely to be resolved not in my favor. This is federally insured money, so if they deem this transaction as non-fraudulent what about the {$5000.00} that was initially deposited.

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 2025-05-28 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: PA

Complaint narrative:
The personal information on my credit report were outdated.

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