vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the creditor PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

Permission Purposes Please state why you have permissible purpose to contact my credit. I dispute this. 

I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing a complaint against Equifax Information Services and several furnishers for reporting inaccurate and unverified negative accounts that have harmed my credit health. Despite prior disputes under the Fair Credit Reporting Act ( FCRA 611 ), these items remain on my credit file without proper verification. The accounts include XXXX XXXX XXXX (  XXXX XXXXXXXX ), XXXX XXXX XXXX ( XXXX  XXXX ), XXXX XXXX XXXX ( XXXX XXXXXXXX ), XXXX XXXXXXXX XXXX  ( XXXX XXXX ), and XXXXXXXX XXXX ( XXXX XXXX ). I request that the CFPB investigate these violations, require the furnishers to provide documented validation, and ensure the removal or correction of all unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
My old roomate used my credit to get accounts that I didnt give permission to open. I did not open these accounts, Please take these off my credit since they are not mine.

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 2025-10-06 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: TX

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-10-06 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: TX

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In XX/XX/XXXX, I was approved for an auto refinance through Capital One for my XXXX XXXX XXXXXXXX XXXX XXXXXXXX. However, before the refinance was finalized, I traded in the truck to a XXXX dealership on XX/XX/XXXX and financed a new vehicle through XXXX XXXX XXXX on XX/XX/XXXX, which offered a better rate. 

I called Capital One on XX/XX/XXXX to cancel the refinance. The representative stated that no active loan account existed and there was nothing to close. I assumed the matter was resolved. 

After the XX/XX/XXXX weekend, I received a notice from Capital One that my first loan payment was due in XXXX. I was confused, as I never finalized or accepted the refinance. I called again and was told a payoff check had already been sent to my previous lender, XXXX. However, XXXX XXXX XXXX had also paid off the same vehicle. 

On XX/XX/XXXX or XXXX ( exact date unclear ), I facilitated a three-way call between Capital One and XXXX. Both parties acknowledged that XXXX received duplicate payoffs and agreed that XXXX would return XXXX Ones funds but only after Capital One reinstated the loan and submitted the correct documentation. Capital One said they would follow through, but failed to do so. 

Since then, Capital One has : Continued reporting the loan to credit bureaus Sent multiple notices threatening repossession for a vehicle I no longer own Demanded payment on a loan that was never valid Mailed title transfer forms, even though I had already sent them the signed title in XXXX I have already made XXXX valid payments to XXXX XXXX XXXX for the correct new loan. Capital One has no legal claim to the vehicle and is knowingly creating confusion. 

This ordeal caused severe stress that triggered a XXXXXXXX XXXX, and I had to go to the ER on XX/XX/XXXX due to XXXX XXXX XXXX XXXX XXXX XXXX Doctors ruled out XXXX XXXX and confirmed the flare was stress-related. This situation has affected both my health and my finances. 

I want the false loan closed, credit reporting removed, and all threats of repossession and billing to stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
The credit entries appearing on my file are the direct result of unauthorized identity fraud, as I have never executed any agreements or provided legitimate consent for these accounts to be associated with my name. I have already contacted your company concerning this critical matter and am now making a formal demand for the immediate deletion and suppression of these fraudulent accounts from my credit report. The continued reporting of these false items has resulted in considerable psychological burden and economic hardship, creating an inaccurate portrayal of my actual financial obligations and creditworthiness. Should you fail to resolve this issue adequately, I will pursue all available legal channels to safeguard my consumer rights and obtain appropriate remedies. These illegitimate credit entries have significantly impaired my capacity to obtain necessary financing for essential life objectives, including real estate purchases and providing economic security for my household.

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 2025-10-06 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

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 " XXXX XXXX XXXX XXXX XXXXXXXX - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX  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 2025-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
We Received a XXXX XXXX XXXX XXXX XXXX XXXX by email earlier today, and XXXX XXXX XXXX followed all the pertinent steps to activate it but it just Does not register nor allow us to access the {$18.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes particularly in light of the. Recent CFPB lawsuit highlighting significant issues with the platform despite using chime numerous times and reporting discrepancies. My financial institution and chime failed to investigate my claims. Acquitically, they informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system. Leaving users vulnerable for scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
I had a pending transaction where I sent someone some money for my nephew to have food and stuff at the movies they froze. Depending transaction was for {$50.00} and the transaction to tell my cousin to give my nephew {$50.00}. They put a hold on there cause they said the nickname and I tried to explain to them in the community. We use nicknames for our relatives or people we care of or people we know, it was so illegal and horrible. Is it OK? You know I was able to use the card with the money I dont care no problem for two days customer service agent free so I can transfer this money from my other bank to this car if I can pay a bill, she said yes twice, transferred the money over freeze freeze the same day you invest {$50.00} I sent someone you didnt because I asked for XXXX investigated and explained what was no email until I called and called and called and they finally sent the email lying to me. misleading me just for I keep bothering about my money so apparently I missed the bill that I was supposed to pay because they froze account that was never supposed to be frozen, this goes on a lot of times with this company XXXX community of discrimination so I missed the bill potentially because they froze my rent and I asked her and asked her and I told them if I wouldve knew the account was so-called frozen. Why would I transfer money in there to a frozen account? I know I cant use it doesnt make any sense, I beg them withdraw my money and account. I wan na pay my bill cause I dont wan na be homeless so no effort never never heard of no one they still froze. Ill try to come to a resolution. Theres no resolution not here to me because you hold my money for no reason and you didnt know the first 23 days, so I feel like I am being racially profile for trying to explain to them that they need diverse people and their company to get a better understanding of what other cultures and backgrounds and religions do if I keep them gon na take them to do you said Im not getting my money Something needs to be handled with him I just want my money and they can close my account. Let me withdraw all my money. I dont care to deal with him anymore. I really wan na file legal action for discrimination emotional distress that I try to be the bigger person and resolve the issue. They dont wan na resolve it. They just lie lie lied to you miss XXXX. I even told him to go into the conversation. The customer service told me that, they dont care something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting Discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: VA

Complaint narrative:
I am filing this complaint because this Consumer Reporting Agency Advanced Resolution Services ( ARS ) is furnishing or maintaining an inaccurate and unverifiable Bankruptcy Public Record on my consumer file. 

Timeline and Actions Taken : Date of Dispute : On XX/XX/year>, I sent a formal written dispute, via Certified Mail, to Advanced Resolution Services ( ARS ) at their official dispute address. 

Disputed Item : The dispute challenged the accuracy and verifiability of a Bankruptcy Public Record that is currently listed on my consumer report.

FCRA Obligation : I notified the company that this record is inaccurate, incomplete, or belongs to another individual, and requested that they conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ).

Issue : The company has failed to correct this inaccurate public record information and/or has not completed a proper and reasonable reinvestigation within the required timeframe after receiving my dispute letter.

Company response to consumer: Closed with explanation