vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing to dispute multiple accounts appearing on my credit report that I believe are inaccurate, outdated, or misreported. Please investigate the following accounts and delete or correct them as necessary in accordance with the Fair Credit Reporting Act ( FCRA ) : Disputed Accounts XXXX. XXXX XXXX XXXX I dispute the accuracy of this reporting. Please verify the original delinquency date and balance. 
XXXX. XXXX XXXX XXXX XXXX XXXX This account was closed more than XXXX years ago. I request a full investigation and validation of this charge-off. 
XXXX. XXXX XXXX XXXX I do not believe this debt was properly validated before being placed for collection. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXwo Separate Collections I believe one of these accounts may be a duplicate or inaccurate. Please verify both individually or remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection I am requesting verification of this medical collection account. 
XXXX. Midland Credit Management XXXX XXXX XXXXXXXX XXXX XXXX Collection This account was previously disputed and XXXX contain reporting errors. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Collection Please confirm the accuracy of this account and provide validation. I request deletion if unverified. 



Please consider this a formal request to investigate and correct or delete the items listed. If you can not verify the information within 30 days, I ask that it be removed from my credit report. 

I have attached documentation to support this dispute, including proof of identity and address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to dispute multiple accounts appearing on my credit report that I believe are inaccurate, outdated, or misreported. Please investigate the following accounts and delete or correct them as necessary in accordance with the Fair Credit Reporting Act ( FCRA ) : Disputed Accounts XXXX. XXXX XXXX XXXX I dispute the accuracy of this reporting. Please verify the original delinquency date and balance. 
XXXX. Wells Fargo Card Services Charge-Off This account was closed more than two years ago. I request a full investigation and validation of this charge-off. 
XXXX. XXXX XXXX XXXX I do not believe this debt was properly validated before being placed for collection. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Two Separate Collections I believe one of these accounts may be a duplicate or inaccurate. Please verify both individually or remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection I am requesting verification of this medical collection account. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Collection This account was previously disputed and may contain reporting errors. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX Please confirm the accuracy of this account and provide validation. I request deletion if unverified. 



Please consider this a formal request to investigate and correct or delete the items listed. If you can not verify the information within 30 days, I ask that it be removed from my credit report. 

I have attached documentation to support this dispute, including proof of identity and address. 

Thank you for your prompt attention to this matter. 

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX  cash app closed my accounts my personal and business account. I appealed the decision on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  email was send stating : This is XXXX from Cash App support, thank you for your patience during our delay. I will be glad to assist you with your case. We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service. As a result, your Cash App account has been deactivated and you will no longer be able to use your account or its features. 
I had this account for a few years now I only shop at a local thirft store and use for XXXX orders and receive money from family members. I was never directly told the violation I had made and my account was completely closed woth a pending tax refund deposit. I very disappointed. There no direct answers and I lost out on a lot my own business sales due to account closer. Had this account since XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am unable to access my Equifax credit report, credit score, or credit monitoring services due to a persistent system error. A message in my account instructed me to call and provide the code XXXX to an agent. I have called several times, followed all instructions, and spoken with multiple customer service representatives, but the issue remains unresolved. 

This denial of access has continued despite repeated outreach and is now interfering with my ability to monitor my credit for fraud or inaccuracies during an active identity theft investigation. Equifaxs failure to restore access is a violation of my legal rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681g Right to access the information in my credit file FCRA 1681j ( a ) Free credit report access for identity theft victims FCRA 1681i Right to dispute and correct errors FCRA 1681c1 ( a ) ( 1 ) Right to place fraud alerts and promptly access reports Equifaxs system failure, combined with unresponsive customer service, is blocking my federally protected access to critical credit data. Their failure to take corrective action after multiple phone calls and complaints may also constitute willful or negligent noncompliance under FCRA 1681n & 1681o.

REQUESTED RESOLUTION : 1. Immediately eliminate the system lockout and remove the XXXX XXXXrror 2. Restore full access to my credit report, score, and monitoring 3. Provide a written explanation of the error and why it has not been fixed 4. Compensate for any damages or delays resulting from this denial of access I am attaching a screenshot of the error and am copying the following attorneys and regulatory officials for record and potential legal escalation : Cc : Attorney XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TrueAccord Corp.
State: NJ

Complaint narrative:
Did not sign written, consent with third-party credit company use my information and keeps spam calling and emailing me to settle the debt that I do not agree to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
Did not sign written, consent with third-party credit company use my information and keeps spam calling and emailing me to settle the debt that I do not agree to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : 1. XXXX - XXXX Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns. 

Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for [ creditor_name ] to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-07-03 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:
Upon reviewing my XXXX XXXX, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX'Inaccurate info reported and account keeps getting sold to new creditors and needs to be completely removed'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
XXXX XXXX Bank is the company I'm putting in a complaint about. 
In XXXX I began making an eager attempt to fix my credit to become a first time home owner. I signed up with XXXX XXXX and began to repair my credit. XXXX XXXX bank was on my credit report and it was from the hospital " XXXX ''. I was being billed for a XXXX XXXX visit from XXXX and I was FULLY COVERED BY STATE INSURANCE. I was not in any way responsible for the bill, because I was on XXXX and a award of the state ( at the time in questioning ). In XXXX I filed a dispute to protest these charges and was SUCCESSFUL AND THIS WAS ALREADY REMOVED ONCE. Now it's XXXX I'm embarking on being a first time homeowner my credit was at XXXX and this company DESTROYED MY CREDIT BY TAKING IT DOWN XXXX POINTS! Now that I have WON THIS DISPUTE MY XXXX XXXX is below fair in the mid XXXX 's! I can't purchase the house now! They didn't RESTORE MY CREDIT TO WHERE IT WAS. I want to file a complaint for destroying my credit XXXX TIMES IN XXXX YEARS!! I will be looking for compensation. This should be illegal to destroy people 's lives over a XXXX XXXX. THIS COMPANY HAS DESTROYED MY CHANCES OF GIVING MY XXXX A HOME I WANT TO FILE THE MOST HARSHEST COMPLAINT AND NEED A LAWYER PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my XXXX XXXX Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
My original private student loan was issued by XXXX in XX/XX/XXXX for {$7500.00}. I made consistent monthly payments for over 3 years, and the loan was marked closed with a {$0.00} balance in XX/XX/XXXX. After the loan was transferred to XXXX XXXX ( now serviced by XXXX ), they began reporting a new balance of over {$11000.00}, showing 0 % paid and no prior payment history. This is inaccurate and misleading. It fails to reflect the years of payments I made and falsely inflates my outstanding debt and credit utilization. 

I contacted the company to dispute the information, but they have not corrected the reporting. I am requesting that they accurately reflect my payment history, principal reductions, and correct the reported loan balance and status. I am also requesting a breakdown of how the current balance was calculated and why no historical payment data transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am writing to dispute multiple accounts appearing on my credit report that I believe are inaccurate, outdated, or misreported. Please investigate the following accounts and delete or correct them as necessary in accordance with the Fair Credit Reporting Act ( FCRA ) : Disputed Accounts 1. Ally Financial Charge-Off I dispute the accuracy of this reporting. Please verify the original delinquency date and balance. 
XXXX. XXXX XXXX XXXX XXXX XXXX This account was closed more than XXXX years ago. I request a full investigation and validation of this charge-off. 
XXXX. XXXX XXXX XXXX I do not believe this debt was properly validated before being placed for collection. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Two Separate Collections I believe one of these accounts may be a duplicate or inaccurate. Please verify both individually or remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection I am requesting verification of this medical collection account. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection This account was previously disputed and XXXX contain reporting errors. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Collection Please confirm the accuracy of this account and provide validation. I request deletion if unverified. 



Please consider this a formal request to investigate and correct or delete the items listed. If you can not verify the information within 30 days, I ask that it be removed from my credit report. 

I have attached documentation to support this dispute, including proof of identity and address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Dave Operating, LLC
State: WI

Complaint narrative:
Dave is a financial services company that offers cash advances as unsecured lines of credit. Unlike most financial tools in the space though, they do not honor requests to revoke ACH transfers. When confronted about this, they claim an outstanding balance prevents revocation, but this is a violation of 15 USC 1693e, as they are required by law to revoke access when requested. As they do not have the authority or the license to perform loan services in my state, they are operating an illegal payday loan service that you cant opt out of. They do not have permission to issue these loans formally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CL Holdings LLC
State: TX

Complaint narrative:
They have hit my credit multiple times in a month, causing my XXXX XXXX to continuously decline. I have not been contacted by these creditors. Ive also created a dispute on this account because I was current with the original account but due to XXXX, I was unable to keep up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Rental/Leasing ; Original Creditor - XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; Amount - {$2100.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$2100.00} ; Individual Account ; Account XXXX - * XXXX ; ADDITIONAL INFORMATION - Consumer Disputes- Reinvestigation in Process ; Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX. Inaccurately information about the lease agreement, 1st Delinquency balance is inaccurately when I paid a deposit fee for the The XXXXXXXX XXXX XXXX XXXXXXXX XXXX before moving into the apartment, how can I receive the keys and a welcome email, if the XXXXXXXX XXXX XXXXXXXX XXXX XXXX didn't receive my deposit.

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> I opened a Capital One XXXX via their website and had it draft {$40000.00} from an account at another national bank- this is the last thing that went smoothly. 

On XX/XX/year> I attempted to open a Capital One Checking account, again with their website/app and after submitting the documentation I received an email that the accounts would be accessible ( email attached ). I wait 3 days which is their stated window for new accounts appearing online. The account is still not visible, so I call their customer support. 

Customer support then informs me that the account was denied ( contrary to the approval I received ) but refused to tell me why. They said I could request a copy of the reasoning from XXXX XXXX XXXX, XXXX. I am not stupid or desperate enough to be sending my SSN to some company I have no business with. 

I select another bank and in a matter of minutes open a new checking + savings account, part of the money is drafted from Capital One the next day and I am off and running with the new bank. Since Capital One declined a checking account, I have no need for their XXXX, so I set up an external linkage to my new bank to push the money out of Capital One. Once set up, I initiated the transfer out of Capital One. 

Capital One then cancelled the transfer and shut off the external linkage I have the series of emails with that exact flow/timing attached. Nobody called me, so it couldnt have been a fraud check as any reputable bank would be on the phone trying to confirm something they thought might be suspicious. Capital One unilaterally cancelled a transfer and closed an external link, effectively barring me from using my own money. I reopened the external linkage and they closed it a second time. 

I have since received an advertisement from Capital One to open a new checking account, which is comical since theyve already determined I am too risky to be given a checking account. Capital One has treated me like a criminal, despite having ample reason not to ( $ XXXX in an account and a credit score XXXX plus I was a customer nearly 10 years ago and the only reason I left was because I had a mortgage with a different bank ). I will never do business with Capital One again.

Company response to consumer: Closed with explanation