vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have had an account with cash app. One day I received a notification stating my account was closed due to me violating their terms and conditions. If I wanted to appeal the decision I was told to contact cash app support, which I did. I asked why my account was closed. Again I was told that I violated their terms/conditions. I asked what action I did and they were unable to provide me with any information. I filed an appeal and they still werent able to tell me what I did to violate and my account is still closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc.
State: DC

Complaint narrative:
I received a written notice from the collection agency stating I had until XX/XX/year> to confirm or respond to the alleged debt before it would be reported to the credit bureaus. Despite this, the account was placed on my credit report before that date on XX/XX/year> which directly violates the timeline provided in their letter. 

This premature reporting is not only misleading, but may also violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, which require that information furnished to credit reporting agencies be accurate, fair, and not deceptive. The agencys actions caused undue harm to my credit and undermined my right to respond within the timeframe they provided.

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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Wells Fargo Account and Credit Damage To Whom It May Concern : I am writing to formally dispute an account that Wells Fargo Bank claims to have for me, ending in XXXX, which I do not accept as a valid or authorized account. 

I, XXXX XXXX, responded to a Wells Fargo offer for a XXXX balance transfer at 0 % interest, and I accepted under confirmation number XXXX a record Wells Fargo itself holds . Instead of honoring this offer, Wells Fargo : 1. Failed to complete the balance transfer 2. Claimed my account was not in good standing despite my FICO score being XXXX at the time 3. Reported negative information to credit bureaus, which caused my credit score to drop by 15 points Following my complaint, I received a letter dated XX/XX/year> stating that Wells Fargo is investigating and that it would take 10 business days from the date I contacted them.

I have filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the U.S. Department of Justice, and I have sent a copy to my Senator. Wells Fargo has yet to respond directly to the substance of my complaint.

The chaos in Wells Fargos handling of this matter is extremely concerning, especially in light of its documented history of legal violations including creation of unauthorized accounts and unapproved charges.

My requests are : 1. Immediate closure and withdrawal of the disputed account ending in XXXX XXXX. Written apology for mishandling this matter XXXX. Full correction of all negative credit reporting to restore my original FICO score XXXX. Reasonable compensation for my time and effort It is unacceptable for a bank to unilaterally maintain an account I did not authorize, fail to fulfill a confirmed promotional offer, damage my credit, and then delay resolution under the guise of investigation. Wells Fargo has the documentation it is time to act. 

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify)
State: OH

Complaint narrative:
I am submitting this complaint to request immediate compliance with my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I am formally requesting that MicroBilt : Provide a Full Consumer Disclosure Report This includes all information in my file, including archived, suppressed, and secondary database records, as well as the source and method of verification for each item reported. 

Provide Documentation of Original Contracts For each account listed on my file, I am requesting copies of any original, signed Master Promissory Notes or legally binding agreements from each furnisher. If such documentation can not be produced, the account must be deleted as unverifiable. 

Remove Any Inaccurate, Duplicate, or Unverifiable Accounts MicroBilt is obligated to ensure maximum possible accuracy under FCRA 602 ( A ) and to promptly delete any information that can not be verified under FCRA 1681i ( a ).

I am also placing MicroBilt on legal notice that if this request is not fulfilled within a reasonable time, I will escalate this matter by filing complaints with the XXXX XXXX XXXX XXXX XXXX XXXX and the Federal Trade Commission ( FTC ). 

This complaint seeks immediate compliance, transparency, and the lawful removal of any unverifiable or frivolous accounts from my file.

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 2025-08-03 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: NJ

Complaint narrative:
Delete all late payment notations related to the XXXX XXXX account ( XXXX XXXX XXXX XXXX, ending in XXXX ), because the creditor has failed to fully verify the accuracy and legality of the reported information. 
Require XXXX XXXX XXXX XXXX to provide : Proof that billing statements were delivered at least 21 days before the due date, in compliance with the Truth in Lending Act ( TILA, 15 U.S.C. 1637 ( b ), 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) ).

Proof that I was notified in writing within 30 days that negative information would be reported, as required by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 7 ) ).

If the information can not be verified with proper documentation, the credit bureaus must immediately remove the inaccurate late payments from my credit reports, as required by the FCRA 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Netspend Corporation
State: MA

Complaint narrative:
I have XXXX accounts with Netspend. I move money around them. One account, the debit card was shut down, but I use it to transfer money to my primary in small doses to prevent overspending, and the third account has a balance, but I have misplaced my card. For the past XXXX or so days now, whenever I go into the app or website, Im unable to login, so I cant move funds to pay for anything because my primary account is overdrawn and the accounts with money I dont have access to to switch money over. 
I have called Netspend half a dozen times and tried to use any and every iteration I know of getting a customer service agent to help me with the issue, and I keep getting an automated assistant every single time. 
The app and website will take my credentials when I login, and then just refresh the page and it looks immediately like it did before I put any information in. 
There was a forum of Netspend customers, and I was advised to fill out a complaint.

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 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing in response to a regarding a debt you claim I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you validate this debt. Please provide me with the following information : Remove all hard inquires from XXXX XXXX XXXX The student loan debt and collections off of my credit profile. 
6.Account Name : EDFINANCIAL SERVICES L Account Number XXXX Account Name : XXXX & XXXX XXXX Account XXXX XXXX I am requesting that all collection activities cease until this debt has been validated. Please also note that I dispute the validity of this debt, and I request that you notify any credit reporting agency to which you may have reported this debt that it is in dispute. 

If you do not provide validation, or if you continue collection efforts without validating the debt, you will be in violation of the FDCPA, and I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring oaks Capital is reporting a debt that I have no idea I even had that debt. Debt is false and I have no knowledge of that debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This AMEX account was closed by the credit grantor and marked as a profit and loss write-off. It shows as charged off with {$2200.00} written off and a past due balance of {$750.00} as of XX/XX/XXXX. The account still reports a total balance of {$2500.00}, despite being closed and sold to a third-party debt collector. It also incorrectly reports monthly payment terms and credit usage, even though it is no longer active. The status was updated in XX/XX/XXXX, and the original delinquency appears to have occurred around XX/XX/XXXX, with XXXX late payments reported. This account is being updated monthly, which misrepresents the true status and violates FCRA and XXXX XXXX guidelines. The data is inaccurate, incomplete, and misleading and the credit report even reflects an unresolved dispute. I have not received a response from AMEX despite attempting to resolve it. I request this account be deleted or corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I attempted to transfer Capital One miles to my XXXX XXXX XXXX XXXX account to redeem a time-sensitive business class flight. The transfer was blocked because the name on my Capital One profile shows my middle name as an initial ( O ) instead of my full legal name ( XXXX ), which XXXX XXXX requires for transfers. 

This is not a legal name change. My full name appears on my passport and XXXX XXXX account, and Ive already verified my identity with Capital One. 

I called Capital One on XX/XX/year>, spoke with a representative, and escalated to a manager. I requested a manual correction or expedited update, but was told that the only option is to submit documentation and wait 10 business days.

I explained that this delay would cause me to miss the opportunity to redeem my miles for a flight valued at over {$4000.00}. Capital One still refused to expedite or offer any alternative. 

This policy unfairly restricts access to my earned rewards due to a minor internal name formatting issue, despite my identity and legal name being verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am filing this complaint to formally dispute and request immediate removal of inaccurate and unauthorized collection accounts that have been reported to my credit file by XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX across Experian, XXXX, and XXXX. These accounts are not mine, and their continued presence on my credit reports is not only erroneous but a clear violation of my rights under federal law. Despite prior disputes and requests for investigation, these accounts remain on my credit file without proper validation or verification. This is in direct violation of the following laws : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. Section 1681i : Credit reporting agencies must conduct a reasonable investigation of any disputed information and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. Section 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Violation : The accounts listed by XXXX XXXX and XXXX Services remain on my report despite being inaccurate and unverified. 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. Section 1692e ( 8 ) : Debt collectors must not report information they know or should know is false, including failing to communicate a debt is disputed. Section 1692g : Debt collectors must send a written validation notice within 5 days of initial communication and cease collection activity until they validate the debt upon request. Violation : I never received proper validation for these debts, and the collection agencies continue to report to the bureaus without satisfying this legal requirement. These inaccuracies have caused serious harm to my credit profile and are interfering with my ability to secure housing, financial services, and employment opportunities. I respectfully ask that you investigate this matter urgently and ensure that my consumer rights are protected. 

XXXX. XXXX XXXX XXXX  should have been removed from my credit its been on my credit report over 7 years. Experian just closed the account on XX/XX/XXXX and is showing as a balance which is illegal. Opened XX/XX/XXXX and it is now XX/XX/XXXX. Illegally keeping this on my credit report and reporting as a closed account. If not removed will seek legal action. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reporting on my credit every month did not give them approval to use or sell my information to a credit agency will seek legal action if not 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 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am filing a complaint against National Credit Systems , Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Summary of Violations : 1. Failure to Provide Required Notice Prior to Reporting to Credit Bureaus ( FDCPA 809 ( a ) ) National Credit Systems reported a collection account to Equifax without sending me any written notice beforehand violating their legal obligation to provide advance notice before furnishing derogatory information to a consumer reporting agency.

2. Failure to Validate Debt Upon Timely Request ( FDCPA 809 ( b ) ) I mailed a debt validation letter to National Credit Systems on XX/XX/year>, which was received on XX/XX/year>, per XXXX return receipt. As of XX/XX/year>, I have not received any documentation or validation in response. 
XXXX. Illegally Continuing Collection Activity Without Validation ( FDCPA 809 ( b ) ) Despite receiving my validation request, they continued collection activity by updating the reported balance on XX/XX/year> and again on XX/XX/year>, to {$6200.00} both without providing validation. This is a direct violation of the FDCPA, which prohibits further collection efforts until the debt is validated. 
XXXX. Misreporting and Re-aging of Debt ( FCRA Violations ) I submitted a formal dispute through Equifax. Instead of ceasing reporting or providing evidence, National Credit Systems verified the debt as accurate and updated the balance again, all while never responding to my original debt validation request. The account was marked as updated by XXXX on XX/XX/year>, and the balance was again changed on XX/XX/year> despite the dispute being unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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 2025-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against Regional Acceptance Corporation due to their continued misreporting and legal violations related to a repossessed vehicle account. 

Regional Acceptance repossessed my vehicle and confirmed it was sold, but they continue to report the full pre-sale balance as if no sale ever took place. This is inaccurate and misleading. Under federal and state law, they are required to apply the sale proceeds to the outstanding balance and provide a proper deficiency breakdown, which they have failed to do. 

They have also failed to provide proof of compliance with proper repossession procedure under : UCC 9-609 ( repossession without breach of peace ), UCC 9-611 ( pre-sale notice ), UCC 9-616 ( post-sale explanation of deficiency ), and California Civil Code 2983.2, including : No 15-day written notice of intent to sell, No opportunity for me to redeem the vehicle, No itemized payoff or breakdown of the deficiency balance, No proof of a commercially reasonable sale. 

The only document provided was a vague account summary with a claimed sale figure. They did not include any signed contracts, payment statements, or documentation substantiating the accuracy of the amount they are reporting. 

They are reporting this account as a charge-off and furnishing inaccurate, inflated balances in violation of : FCRA 15 U.S.C. 1681e ( b ) furnishing inaccurate information, FDCPA 15 U.S.C. 1692g failure to validate the debt, FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) false representation of the character, amount, or legal status of a debt.

This is now my second attempt to resolve this matter. The account remains improperly reported and unresolved. If this is not corrected immediately, I am prepared to move forward with formal legal action for violations of the FDCPA, FCRA, UCC, and XXXX XXXX XXXX consumer protection 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report regarding late payments that do not reflect my payment history. 

The reason for this dispute is that I have noticed a late payment recorded on [ XXXX XXXX & XX/XX/XXXX ] on account [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which does not accurately reflect my payment history. The payments for this account were made on time and within the agreed-upon deadlines. 

I kindly request that you review the information reported on my credit report and correct any errors that may exist. I appreciate your efforts in taking the necessary steps to rectify this error promptly and informing me of the outcome of your review. 

Under consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect information on my credit report. I look forward to the swift and efficient resolution of this matter. 

Please feel free to contact me if you need any further information. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation