vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am disputing an invalid medical debt being pursued by Collection Management ( Account # XXXX ) on behalf of XXXX XXXX XXXX XXXX XXXX. 

The amount being collected is {$820.00} for services rendered on XX/XX/year>. My insurance provider, XXXX, processed this claim ( Claim ID : XXXX ) and issued an Explanation of Benefits on XX/XX/year>. The EOB explicitly states : You are not responsible for this charge. Your IPA/PHO is responsible for this service. Claim has been forwarded to the IPA/PHO. 

Despite this, the collection agency is attempting to collect from me, in violation of the Fair Debt Collection Practices Act ( FDCPA ). This debt is invalid, and I have disputed it in writing with the agency. 

I am requesting the CFPBs assistance to ensure Collection Management ceases collection activity and deletes any negative credit reporting associated with this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Stellantis Financial Services US Corp.
State: NV

Complaint narrative:
I sold my vehicle in XXXX and paid the loan off completely. I was told by the costumer service rep that the title would be released within 30 days. After receiving nothing, I called again and was told by a different department that was I was originally told was false and that they require a call back for title release. None of this was explained. I requested the title be released on XX/XX/XXXX with a forwarding address and information of the new finance company. I was told the title release was submitted and the entire process would take approximately XXXX weeks. This company has refused to release any information to the credit union that bought out the loan. The buyer contacted me in the beginning of XXXX regarding the title and how the XXXX told him 90 days. He still hasnt received the title. I contacted the company again this morning. The excuse I was given was the XXXX  XXXX sent it back with an error. I was not contacted. They did not automatically fix it. I was essentially told the title not being issued is my fault because I didnt call back to ensure they did their job. Now the XXXX XXXX XXXX is threatening to raise his payments, and I am still liable for a vehicle that was paid off months ago.

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 2025-09-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: SC

Complaint narrative:
my Cash App account was recently closed, and Im trying to understand why. Im XXXX XXXX XXXX and had my account set up with the parental authorization feature. My parents account is still open, but mine was suddenly closed. I barely used my account, and now I cant even create a new one. Could you please explain why this happened and if theres a way to get my account reopened?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
This was basically an over {$2700.00} rip off for services not fully rendered since I started this back in XX/XX/XXXX. XXXX XXXX XXXX with XXXX XXXX XXXX was not helpful at all with resolving my tax issues. During that time, I only received XXXX emails from her over a two-year period. Though she stated in her very first email she would contact me at least once a month during this process which never occurred. I sent her information that she requested in XXXX of those XXXX different times with a tracking number to make sure it was received which was XXXX out of the XXXX. I recently followed up because I got a call from Monterey Financial saying I still owed a balance, which was puzzling to me because there should not have been one as of XXXX because I had to pay an initial fee to start the service with XXXX XXXX XXXX. Monterey Financial claimed to be the financial servicer for XXXX XXXX XXXX whom I have been automatically on the XXXX of each month since XXXX of XXXX. However, I contacted XXXX XXXX XXXX on XX/XX/XXXX only to be told my case was closed out back in XXXX by her, but yet she did not notify me via email, mail or even a call to my number. I was then told a manager would contact me and here it is XXXX XXXX and not a call back from any manager. Since then, I have called several area code numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the number listed on the website. XXXX of the XXXX I have left up to XXXX voicemails requesting a return call from a XXXX. On XXXX XXXX I had to speak with XXXX different * XXXX XXXX XXXX  that played the mute the line game then hung up on me before I spoke with someone that could only then set an appointment for next week to have a XXXX call me. This has been a slap in my face plus still having to pay a balance as I was threatened by Monterey Financial that this would go on my credit and they could take legal action for failure to pay the contract. Well, what about failure to render services and not proper notification of closing the account? The last email I got from her was in XXXX of XXXX and did not disclose her closing the case out. Monterey Financial has been contacting me non-stop daily via phone and at least twice a week by email trying to collect payment. I received an email as of XXXX XXXX, XXXX, from XXXX XXXX stating that this has been reported as a negative item to my credit reports. I have also phoned XXXX XXXX at XXXX XXXX XXXX at least 3 times a week since XX/XX/XXXX with no response via email or by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: WA

Complaint narrative:
I was contacting by TrueAccord regarding a small debt. Out of fear it would affect my credit I paid it right away. After I paid it, it showed it was for an account I did not recognize. I reached out to verify the account and confirmed it was a debt that did not belong to me. I then requested they return my funds. They instructed me to my financial institution that informed me that since I authorized the charge ( even though it wasn't mine ) there was nothing to be done, and that I needed to reach back out to the merchant. I have now sent XXXX emails and requested documentation that I paid an account that does not belong to me with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-12 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Re : Request for Account Information Account Number : CITI - XXXXXXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported XXXX. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My social security XXXX income stopped coming to my account and when I asked the associate at the XXXX building they directed me to through why I wasnt getting my monthly income. Someone had stolen my identity. Opened and account at Wells Fargo Wellsfargo Account XXXX XXXX XXXX and my funds was being deposited there. I have not yet gotten the funds back. I have also contacted the XXXX and they have not replaced the missing checks. From XXXX and XX/XX/year>. How can I go about resolving this issue?

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 2025-09-12 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: TX

Complaint narrative:
This letter serves as a formal data breach notification regarding the inaccurate reporting of the following account on my Experian credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$480000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX  * {$460.00} DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7800.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} Upon review, I discovered significant data inconsistencies : The account is reported as late despite being closed/paid/current. 
The balance reported conflicts with the actual account status. 
Dates of delinquency are inaccurate and do not align with the creditors records. 
This misreporting violates FCRA 1681e ( b ) and 1681i, as it constitutes a breach of the accuracy and integrity of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a check from a reputable, nationwide home builder for the refund of an earnest deposit that was initially rejected due to an explained memo attribution error on my part. Upon depositing the check via an ATM with all relevant documentation/receipts collected, the bank failed to provide any update or notice on the hold that would be placed on the funds. I waited XXXX business for the funds to become available before contacting the bank for an explanation as to why they were still not made available in my account. 

I was transferred to a loss mitigation agent who was XXXX and unwilling to work with me to reach a solution and advised me the check would be held for almost 2 months until XX/XX/XXXX due to the initial rejected check. I asked for them to work with me on a solution given I need the funds for an upcoming home purchase and was blown off by the agent, which is when I requested to speak to a supervisor who approved the hold. The agent told me the supervisor that approved the hold, XXXX, would call me back in XXXX hours due to being too busy with meetings. This call never came and the funds remain locked. I have been a member with this bank for over a decade and have not had so much as a single late fee in the duration, which makes this extended hold particularly egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
No : XXXX On XX/XX/XXXX, while on vacation in the XXXX XXXX XXXX my phone was stolen. Immediately afterward, several unauthorized Cash App transactions totaling {$820.00} occurred : {$10.00} to XXXX XXXX XXXX XXXXXX/XX/XXXX ) {$25.00} to XXXX XXXX ( XX/XX/XXXX ) {$680.00} to XXXX XXXXXXXX ( XX/XX/XXXX ) {$35.00} to XXXX XXXX XXXX XXXXXX/XX/XXXX ) I filed a police report, contacted Cash App Support, and disputed the transactions. Cash App confirmed my account was compromised and that my email may also have been compromised, yet they denied my disputes. Their reasoning was that the payments were authorized through their XXXX XXXX feature. 

This explanation is flawed. The XXXX XXXX is simply a PIN or biometric confirmation on the stolen device. Since my phone and account were compromised, it is entirely plausible that the thief accessed or bypassed my PIN. To treat these transactions as authorized disregards common sense. 

Cash App then permanently closed my account, citing vague Terms of Service violations without providing details or evidence. This appears retaliatory after I filed disputes.

I am requesting : 1. A full refund of the {$820.00} in unauthorized transactions.

2. A clear explanation of the alleged Terms of Service violation that led to my account closure.

3. Assurance that Cash App is held accountable for failing to protect my account and denying valid fraud claims. 

I respectfully ask the CFPB to review this matter and require Cash App to provide a fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Requested a forward flow of agreement, chain of assignment, account level documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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