vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the alleged debt TekCollect has reported to the credit bureaus under the account referenced above. This alleged debt originates from a payment plan I entered into with XXXX XXXX XXXX for an orthodontic aligner treatment. However, XXXX XXXX XXXX has since filed for bankruptcy and liquidated its assets, ceasing all business operations and communication, including closure of all websites and customer service portals. As a result, they failed to fulfill their contractual obligations, including completion of my treatment plan and the promised " Smile for Life Guarantee, '' which was a condition of the agreement. Due to the companys breach of contract and inability to provide the services promised, I discontinued payment. I do not owe any outstanding balance on service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
IAM THE VICTIM OF UNAUTHORIZED CREDIT ACTIVITY MULTIPLE HARD CREDIT INQUIRIES WERE MADE ON MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT MY KNOWLEDGE OR CONSENT THESE INQUIRIES INCLUDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEPARATE INQUIRIES TAB MISSION AND XXXX I DID NOT APPLY FOR CREDIT WITH THESE COMPANIES AND DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT REPORT. 
UNDER THE FAIR CREDIT REPORTING ACT FCRA 604 EACH HARD INQUIRY MUST HAVE A PERMISSIBLE PURPOSE AND BE SUPPORTED BY PROOF OF MY AUTHORIZATION.

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 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: CO

Complaint narrative:
I have an outstanding balance with Dave for {$520.00}. 

On Tuesday XX/XX/XXXX I called and asked for a revoke authorization of my debit and bank account. When I called customer service they declined my revoke authorization and only offered a deferral of my payment date. 

On Wednesday XX/XX/XXXX - I called and asked again for a revoke of my ACH and debit payment and the customer service agent told me to email dave at XXXX. 

I sent a letter on XX/XX/XXXX to XXXX - to revoke all ACH and debit payments to Dave. They then asked for additional information to me to verify my account. 

On XX/XX/XXXX - I was told that they can not revoke my ACH or debit payments due to an outstanding balance. 
I informed them of the Regulation E : * * Your Rights Under Federal Law Regulation E ( Electronic Fund Transfer Act ) : You have the right to revoke ACH authorization at any time. And they still declined it at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: MI

Complaint narrative:
I have been dealing with this issue for the last 4 years with cash app. It gets resolved then happens again. Im an independent licensed Esthetician and I get a lot of clients who send cash app to pay for their services. And every time I reach a certain amount in my account and its not over the limit might I add they shut down my account and then accuse me of gambling and I have never gambled a day in my life. Now they have completely banned me from creating an account period. This is affecting my business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 30 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 explanation
Consumer complaint received 2025-09-25 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 30 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I
did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$46.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I keep receiving calls from MCM about a " personal business matter '' every time I ask them what the personal business matter is about they wont tell me unless I confirm who I am and give them more information. I stated that I will not be giving out that information. They told me that they can take legal action and I would get in a lot of trouble or it could ruin my credit. When I looked it up, MCM is a debt collector. Any debt I have has been disputed, is in dispute, has payments plans, or is closed. I told them they are no longer allowed to call me and asked them to stop harassing me and requested they took me off their call list because I am not giving them my information especially when they wont tell me what the so called debt is for. They keep calling. I stopped responding to their calls and have blocked 30+ numbers but they continue to call me on all different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: ME

Complaint narrative:
These accounts are being reported under my name without my authorization. I did not open, authorize, or manage these accounts, and their presence is inaccurate and damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX an amount of {$1200.00} was taken from my cash app and sent to a card that belongs to a bank Ive never heard of. On XX/XX/XXXX a transaction of {$1700.00} was sent to that exact card. I contacted cash app on XX/XX/XXXX to report the issue. Since XX/XX/XXXX the company has been giving me the run around. Each time i reach out for an update i get a claim number and they tell me to wait another 10 days and they will contact me via email. Ive asked for a manager & they contacted me via email but had to escalate my issue to another department or team. Its been almost 60 days and i havent heard anything nor have i gotten a resolution to my financial problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - XXXX Bankruptcy XXXX - XX/XX/2024 VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: DISCOVER BANK
State: FL

Complaint narrative:
THESE 3 COMPANIES ARE ON MY CREDIT REPORT AND THEY CLEARLY DO NOT BELONG TO ME I HAVE ATTACHED AT SUPPORTING DOCUMENTATION THAT I HAVE EVEN FILED FOR IDENTITY THEFT ABD HERE IS A VALID POLICE REPORT. I HAVE ATTEMPTED TO ALREADY RESOLVE THIS WITH THE CREDIT BUREAU AS THE OTHER 2 WHICH ARE XXXX  AND XXXX  ARE NOT REPORTING IT DUE TO THE IDENTITY THEFT AND IT BEING REPORTED ALREADY. I DO NOT HAVE ANY FINANCIAL OBLIGATION WITH THESE 3 CREDITORS. THISIS MY SECOND TIME DOING THIS WITH YOU.I WILL TAKE LEGAL ACTION IF THIS IS NOT RESOLVED THIS WAY WITH YOU. 

DISCOVER BANK, THE XXXX XXXX AND ALSO XXXX XXXX ONLY XXXX IS REPORTING THEM AND THEY DO NTO BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
THESE 3 COMPANIES ARE ON MY CREDIT REPORT AND THEY CLEARLY DO NOT BELONG TO ME I HAVE ATTACHED AT SUPPORTING DOCUMENTATION THAT I HAVE EVEN FILED FOR IDENTITY THEFT ABD HERE IS A VALID POLICE REPORT. I HAVE ATTEMPTED TO ALREADY RESOLVE THIS WITH THE CREDIT BUREAU AS THE OTHER 2 WHICH ARE XXXX  AND XXXX  ARE NOT REPORTING IT DUE TO THE IDENTITY THEFT AND IT BEING REPORTED ALREADY. I DO NOT HAVE ANY FINANCIAL OBLIGATION WITH THESE 3 CREDITORS. THISIS MY SECOND TIME DOING THIS WITH YOU.I WILL TAKE LEGAL ACTION IF THIS IS NOT RESOLVED THIS WAY WITH YOU. 

XXXX BANK, THE XXXX XXXX AND ALSO WELLS FARGO ONLY XXXX  IS REPORTING THEM AND THEY DO NTO BELONG TO ME

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 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had a transfer transferred into my old Cashapp account. First off, I still dont even know how this happened because according to a Cashapp rep that I spoke with said that that account was closed so I opened a new one. Somehow my funds were still transferred to my old account. I called and asked what the process would be to get these funds simply transferred into my current account. I figured, in regard to their end, it would be as simple as looking at my old account, which they were able to bring up, confirm that funds had indeed been transferred into that old account, which they confirmed they saw.and transfer those funds into my new account. They first told me I had to link my old account to my new one.i tried what they told me and it did not work. Then I was told that I was misinformed and that I would have to log out of my current account and log back into my old account with a help process .. That did not work. I repeatedly asked to speak to a manager to which I continuously received a response A manager is not available right now but one will email you shortly. I mentioned numerous times I wanted to verbally speak with a manager only to be told the same thing over and over again. That one would email me. I finally, after three days received an email from a manager only to say they could not access my old account for security reasons??!! I reminded them that they just looked and confirmed that money was mistakenly sent to that account. They even read the amount to me. They finally told me that there is no way they can send it and that they cant manually override the security lock. This whole process has made no sense to me. Its seems like very questionable and unethical practices that are being used and in my specific case it seems like they just dont want to fork over my money.THAT IS IN THEIR SYSTEM! Its crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: SC

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} UNAUTHORIZECOLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation