vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Date of Incident : [ Date Check was Deposited ] ( e.g., Friday, XX/XX/XXXX ) Today 's Date : Monday, XX/XX/year> Issue : Bank has locked my account, denied all access to funds, failed to follow federal Regulation CC guidelines, and demonstrated total indifference to my housing and family emergency through negligence and potential profiling regarding an official inheritance payment. 

Chain of Events XXXX. Customer History, XXXX XXXX, and Profiling : I am a long-term customer of over 15 years in good standing. My account had a {$0.00} balance prior to the deposit. On [ Date of XXXX ] ( Friday ), I deposited a legitimate {$60000.00} inheritance check ( made out to my full name, drawn from the XXXX 's credit union account ). The teller was rude, and I feel I was manually flagged and profiled due to my {$0.00} balance and casual attire. Immediately following this, the bank placed an unwarranted hold on the entire amount and unilaterally shut down my account. 

XXXX. Escalation and Complete Refusal by Leadership : * Urgency/Foreclosure Risk : On Saturday, XX/XX/XXXX, I went in person to speak with the branch XXXX and explained that my mortgage forbearance had expired on XX/XX/XXXX, making fund release crucial to avoid foreclosure. 
* XXXX XXXX : The branch XXXX refused to help me, refused to offer a bridge loan, and refused to unlock my account. She stated there was nothing she could do and forced me to wait until today, Monday, and bring my paperwork to speak to the fraud department. 
* Denial of XXXX Funds : Due to the account lock, the bank would not even unlock my account to allow me to receive XXXX funds from my brother, denying me money for my son 's XXXX birthday party. 
* Systemic Refusal : I escalated this to the branch XXXX and then called Customer Service, and I was repeatedly denied access to any funds. 

XXXX. Violation of Funds Availability ( Regulation CC ) : The bank failed to comply with federal Regulation CC requirements for official checks and failed to release any funds whatsoever. This resulted in me being unable to purchase food/cake and placed my housing in jeopardy. 

XXXX. Unreasonable Burden and Forced Action : I am being forced XXXX XXXX to the bank for the third time and bring unnecessary paperwork to verify the origin of this official inheritance check, highlighting the bank 's extreme demands and policy failures. 

Requested XXXX I demand the immediate, full release of my {$60000.00} funds, a full explanation for the violation of XXXX XXXX and the suspected discriminatory profiling, and documentation confirming this incident is recorded as a severe bank error that placed my primary residence at risk of foreclosure, caused severe financial hardship, and demonstrated a total lack of accountability from branch leadership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am a victim of human trafficking and identity theft. I have had my name used several times throughout the past few years and accounts have been added to my credit report. 
XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
My XXXX  account was restricted due to violation of terms and conditions when I contacted cash app support and I tried numerous times to receive documentation for violation, which was not provided. Cash app has denied me access to previous accounts and current account due to multiple payments from different people. All of the payments were valid. There were numerous people sending money due to my profession of being a live streamer and social media influencer I currently can not open a cash app account nor use any of the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: CO

Complaint narrative:
I received a debit collection notice in the mail from McCarthy and Wolf. I had also been receiving phone calls at first but then I spoke with the company and told them. I received the letter no need to phone calls so they stopped for a bit. I sent a letter back asking them to prove them selves with paperwork ( my wife in the same situation from the same debt collector and we sent a letter out for her on the same day ). It also asked then to cease and desist communication until I received the paperwork proving who they are. About a week later my wive received the proper paperwork but I had not. While still under a cease and desist XXXX XXXX from McCarthy and wolf decided to call my parents house where I have not lived in over 15 years to try to contact me ( still under a cease and desist because of no paperwork ) even on the debt notice it say they wont call you under the fair collection act but they still did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
Could you take a look at this entry? It's late and could be flawed.

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 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
In 2023, I financed a 7.5 kW solar system through Dividend Finance, installed by XXXX XXXX XXXX in XXXX Kentucky. The installer promised a 25-year warranty and projected energy savings that were a key factor in my decision. Shortly after installation, the installer filed for XXXX  XXXX bankruptcy, leaving me with no warranty, no support, and an underperforming system. 

Since installation, the system has had multiple days of zero energy production and underperforms by approximately 2030 % compared to expected output ( 10,000 kWh/year projected vs. 7,0008,000 kWh/year actual ). The loan payments are {$91.00} {$120.00} per month, but the energy savings do not cover these costs. 

I contacted Dividend Finance multiple times requesting cancellation, a loan adjustment, or assistance with repairs. Dividend has refused to cancel or adjust the loan despite the significant loss of warranty, support, and promised savings. I believe I was misled regarding production, financial benefits, and long-term support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
Please review this entry ; the timing was late and it may be incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: MD

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX and Halsted Financial Services, who are attempting to collect three alleged accounts that XXXX claims to own and Halsted is servicing : XXXX XXXX {$1400.00} XXXX XXXX  {$1000.00} XXXX XXXX XXXX  XXXX XXXX {$790.00} Halsted Financial Services has contacted me repeatedly regarding these accounts, but neither Halsted nor XXXX has provided proper debt validation as required under the FDCPA. Their letters and messages did not include enough information for me to determine whether the accounts are accurate, legitimate, or legally collectible. 

I have not received : An itemized breakdown of each balance The date of last payment Documentation from the original creditors Proof that the debts were assigned or sold to XXXX XXXX  Evidence that Halsted has authority to collect these debts on XXXX behalf Any explanation for recent or updated credit reporting under XXXX I reviewed my credit reports and saw these accounts listed as being owned or furnished by XXXX, but the information is incomplete and does not match any documentation I have ever received from either XXXX or Halsted. 

To protect myself, I issued a Debt Validation, Refusal to Pay, and Cease-Communication Notice to both XXXX and Halsted. I informed them I will not pay unless the debts are validated, and that they must stop all communication except as permitted by law. 

Despite this notice, I have not received proper validation of any of the XXXX alleged accounts. As a result, I can not confirm whether these debts are accurate or legally collectible. 

I am not refusing to resolve any valid debt. I am requesting that XXXX and Halsted comply with federal law, provide full validation, and cease further communication until validation is provided. 

I consent to the CFPB publishing this description after personal information is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has XXXX as debt collectors for XXXX accounts. I requested verification of their right to collect a debt. I have never received verification. Experian refuses to remove the information. It has been disputed since XX/XX/2025. 
Also, Experian has my score at least XXXX points below XXXXXXXX XXXX XXXX Experian wants me to pay monthly to boost my score on their website.

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 2025-12-08 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: LA

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 2025-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Reporting agency DEBT RECOVERY RESOLUTION reopen a debt that was closed and resolved without explaining why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and emotional distress. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation. 

I am therefore requesting that you conduct a thorough and immediate investigation into the disputed late payment entries. Please review the documentation I have provided, verify the accuracy of the information with the furnisher, and update or remove any entries that can not be fully verified or that inaccurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Company Name : [ Equifax XXXX Experian XXXX TransUnion ] Identity Theft & Fraudulent Activity due to Data Breach Brief Description of the Problem : I am submitting this formal complaint regarding unauthorized credit inquiries and the opening of an auto loan account under my name, which resulted from the XXXX data breach involving [ Equifax / Experian / TransUnion ]. My personal information, including sensitive data such as my name, Social Security number, and other identifying information, was compromised in this breach. As a result, my identity was stolen and misused to obtain credit without my consent, leading to fraudulent inquiries and an auto loan account being opened under my name. 

Details of the Incident : Date of Data Breach : The data breach occurred in XXXX, with [ Equifax XXXX Experian XXXX TransUnion ] reporting that millions of personal records, including mine, were compromised during this event. 

Fraudulent Activity Identified : I discovered fraudulent credit inquiries and an auto loan account that was opened in my name without my authorization. These activities were linked directly to the breach and the misuse of my personal information. 

I first noticed these unauthorized activities on my credit report on XX/XX/XXXX. Upon further investigation, I confirmed that these were fraudulent and linked to the XXXX breach. 

Actions Taken : I first reported the fraudulent activities to your bureau on XXXX then XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and initiated a formal dispute to remove the unauthorized inquiries and the auto loan account from my credit report. 

I reached out to all credit bureaus ( Equifax, Experian, and/ TransUnion ) from XXXX, XXXX, XXXX XX/XX/XXXX to inform them about the fraud and initiate a dispute with them as well. 
Identity Theft Report : I filed a report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX regarding the identity theft linked to the breach and requested an official identity theft report. 

Fraud Alert and Credit Freeze : I took the necessary precaution of placing a fraud alert and a credit freeze on my accounts to prevent further fraudulent activity. 

Follow-Up Actions : Despite my best efforts, including follow-up communication with your company on XXXX the fraudulent inquiries and auto loan account have not been removed or resolved.

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 2025-12-08 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: TX

Complaint narrative:
I am not the owner of these accounts ; they need to be taken off within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
Please review what has been provided ; the inquiries arrived abruptly and may not be cleared.

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 2025-12-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request on XX/XX/year> regarding these unauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent.

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 2025-12-08 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: TX

Complaint narrative:
These accounts do not belong to me, and they must be taken down within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I am not tied to these accounts, and they should be erased within 15 days per USC 1681g.

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 2025-12-08 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: CO

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities. 

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Over the weekend I had to sell my retirement fund due to ongoing harassment and hate crimes by the XXXX XXXX XXXX XXXX. The funds cleared and were deposited into my checking account. I have been dealing with recurrent identity theft issues ( stemming from ongoing retaliation by the hospital district as I have a right to sue letter against both XXXX XXXX XXXX and XXXX XXXX ). 

The funds were restricted by capital one with no reason provided despite XXXX minutes on the phone with them. They refuse to provide any reason or rationale and my electricity at home is about to be turned off as I can not access the funds to pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
Please go over the provided content ; the inquiries were submitted unexpectedly and may not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately 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