vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Debt and Garnishment Identity Theft Case * * FTC Report Number : XXXX XXXX XXXX I am writing to formally dispute the debt and garnishment claim currently associated with my name. This debt is the result of identity theft, and I do not owe any amount to Jefferson Capital Systems. 

On XX/XX/year> I filed an * * Identity Theft Report * * with the Federal Trade Commission ( FTC ), report number XXXX XXXX XXXX XXXX XXXX  and notified your office of this matter. Despite this, I have been informed that Jefferson Capital Systems is continuing with garnishment proceedings against me. 

Under the * * Fair Debt Collection Practices Act ( FDCPA ) * * and the * * Fair Credit Reporting Act ( FCRA ) * *, you are required to cease all collection activities, including garnishment, on accounts that are the result of identity theft. Continuing to pursue this debt violates federal law. 

Enclosed are the following documents for your review : * Copy of FTC Identity Theft Report * \ [ Police Report, if available ] * Proof of identity I demand that Jefferson Capital Systems : XXXX. Immediately stop all garnishment actions. 
XXXX. Provide written confirmation that this account has been closed and reported as fraudulent. 
XXXX. Remove any negative reporting related to this account from all credit bureaus. 

Failure to comply will result in further action, including complaints to the * * Consumer Financial Protection Bureau ( CFPB ) * * and potential legal remedies. 

Please confirm receipt of this letter and provide a written response within XXXX XXXX XXXX days XXXX XXXX  as required by law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXEquifax Information Services LLCXXXX XXXX XXXX XXXX GA XXXXSubject, Dispute of Unauthorized Hard InquiriesXXXXDear Equifax Dispute DepartmentXXXXI am writing to formally dispute two unauthorized hard inquiries that appear on my Equifax credit report. I did not authorize these inquiries, nor did I initiate any application or business relationship with XXXX XXXX on the dates in questionXXXXThe details of the disputed inquiries are as follows:XXXXCreditor Name: XXXX XXXXXXXXDate of Inquiry: XXXX XXXX XXXXXXXXCreditor Name: XXXX XXXXXXXXDate of Inquiry: XXXX XXXX XXXXXXXXThese inquiries are not the result of any action I took and are unknown to me. I believe they may be the result of fraudulent activity. Under the Fair Credit Reporting Act (FCRA), I request that Equifax investigate these inquiries and remove them from my credit report if found to be unauthorized.XXXXPlease find attached a copy of my government-issued photo ID and a utility bill as proof of identity and address.XXXXI respectfully ask for a prompt investigation and written confirmation once this matter is resolved. If additional documentation is needed, feel free to contact me at the information listed above.XXXXThank you for your assistance.XXXXSincerely,XXXXXXXX XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AR

Complaint narrative:
I disputed the XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, charged off in XX/XX/XXXX with a balance of {$10000.00} ) with Experian multiple times in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX because the account is reporting inaccurate, inconsistent, and re-aged information, including new delinquency and charge-off notations extending into XXXX despite the account being closed and charged off in XXXX. During my XXXX and XXXX disputes, Experian marked the account as updated without correcting the inaccurate reporting. When I contacted XXXX XXXX automated system, it confirmed the last payment was XX/XX/XXXX, the account charged off in XXXX, and the payoff balance remained {$10000.00}, but there was no confirmation that any verification documents were provided to Experian. When I called Experian customer service, multiple representatives stated they can only see what I see, can not access the verification documents, do not know what XXXX XXXX provided, and can not identify the person or department who verified the dispute, which indicates Experian performed no reasonable reinvestigation as required by FCRA 611. Experian also could not explain why the charge-off was updated from XXXX to XXXX or why past-due amounts continued to increase after the account was closed. They refused to provide a Method of Verification under 611 ( a ) ( 7 ), refused supervisor intervention, and repeatedly told me disputes were updated without being able to confirm what was actually reviewed. Because Experian can not verify any of the information they are reporting and can not provide documentation or a valid explanation for the re-aging and inconsistent reporting, I am requesting CFPB assistance to require Experian to delete the XXXX XXXX XXXX as unverifiable under FCRA 611 ( a ) ( 5 ) and for XXXX XXXX to correct or cease furnishing inaccurate information.

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 2025-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: DHI Mortgage Company
State: FL

Complaint narrative:
We were approved for a loan, me and my wife. We have XXXX children so looking to get them into a home. They constantly requested I provide a remote work letter when I told them from the beginning I can't provide that, they still moved forward. They requested we purchase insurance, I did. We paid the earnest payment and had inspections completed. No issues until day before closing saying I couldn't be on loan working remote, knowing throughout the entire process I was not going to be working remote. My wife was the primary resident. The cancelled the loan and did not provide denial in writing leaving me, my wife and children without a home after dragging it out for XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Block, Inc.
State: OK

Complaint narrative:
Over the past 12 months I have repeatedly contacted cash app support as my account was closed but I am unable to withdraw my money. Everytime I am told it is being escalated to the next team and I will hear back from them however I never do. All I want is for my money to have the withdrawal block removed or my account closed and a paper check mailed to me. I first contacted cash app on XXXX XXXX XXXX. Then on XX/XX/year>, and the most recent is today XXXX XXXX XXXX these are the case numbers starting with the most recent XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
Harris & Harris : " I was not notified of this debt prior to it hitting my credit and was shocked to see it on XXXX. I was not aware the debt was owed and was not given a chance to settle it before it was reported to the credit bureaus. '' No debt should be oses as it was from the Covid XXXX for the kids use at home for there chromebooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Dispute/Claims Department Re : Appeal for Denied Claim Unauthorized Transaction To Whom It May Concern, I am writing to formally appeal the decision to deny my dispute for the unauthorized transaction posted to my account. The transaction in question is : Transaction Date : XX/XX/year> Amount : {$14.00} and {$64.00} Merchant : XXXX XXXX As I previously stated in my initial claim, I did not authorize, complete, or benefit from this transaction. I did not provide my card, account information, or authorization to anyone. This charge was made without my consent and is a clear case of unauthorized use. 

I respectfully request that you review my claim again, considering the following : 1. I did not complete this transaction, nor did I grant permission for anyone else to do so.

2. I promptly reported the unauthorized charge as soon as I discovered it.

3. I have taken all necessary steps to secure my account, including changing passwords, reviewing recent activity, and following all recommended security measures. 
4. Under the Fair Credit Billing Act ( FCBA ) and/or Electronic Fund Transfer Act ( EFTA ) XXXX depending on the type of transaction ), consumers are protected from liability for unauthorized charges when timely reported. 

Given these circumstances, I request that my case be reconsidered and that the disputed amount be credited back to my account. If additional documentation or clarification is needed, I am fully willing to provide it. 

I appreciate your prompt attention to this matter and expect written confirmation regarding the outcome of this appeal. 

Thank you for your time and cooperation. 

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 2025-11-24 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: NY

Complaint narrative:
I am filing this complaint because multiple inaccurate and unverifiable negative accounts continue to be reported on my credit file, even though I submitted formal disputes to the credit bureaus. These accounts contain significant XXXX XXXX reporting violations including missing dates, missing payment history codes, missing Date of Last Activity, missing Date Closed, contradictory delinquency codes, and incomplete or conflicting information across each bureau. 

My identity and personal information were also compromised in three confirmed data breaches : the XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX Exposure Settlement. These incidents exposed my personal identifying information, including my name, date of birth, contact information, and other identifiers.

Because the credit bureaus did not request or provide complete documentation verifying these adverse accounts, and because many fields required for FCRA compliance are missing or inconsistent, these accounts can not be verified with maximum possible accuracy under FCRA 607 ( b ), nor were they properly reinvestigated under 611 ( a ). 

I am requesting that the CFPB require Equifax to DELETE any account that can not be verified with complete, accurate documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NY

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 

The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 

I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
To Whom It May Concern : I am writing in response to your communication regarding the debt referenced above.

This letter is a formal request for validation of the alleged debt, made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : Verification that I am legally obligated to pay this debt, including the name and address of the original creditor.

A complete payment history, including the amount of the original debt, all interest, fees, and how you calculated the balance you claim.

A copy of the original signed contract or agreement bearing my signature.

Proof that you have the legal right to collect this debt, including chain of title or assignment from the original creditor to your agency.

The date of the original delinquency, showing that the debt is within the legal statute of limitations and within the FCRA 7-year reporting period.

Your state license number, if required for debt collection in my state, and the name of the state issuing that license.

Until you provide this information : You must cease all collection activity.

You must not report this debt to any credit reporting agency.

If this debt has already been reported, you must mark it as disputed as required by law.

Please send all requested documents to the mailing address listed above.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NV

Complaint narrative:
Please look over these materials ; the questions arrived unexpectedly and could be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-24 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/year>. Requested Bank of America to mail paperwork to fill out. Re : Charge to my account. Friday, XXXX XXXX, phoned again. No paperwork received. I requested Supervisor. They put me on hold for 47 minutes. No Supervisor. I called again, requested a Supervisor call me back Saturday. No return call Friday, Saturday, Sunday or Monday. Monday, XX/XX/year>, recorded phone calls, 7, again requesting paperwork & Supervisor. After 5 hours, 7 transfers, 7 agents, a Supervisor. Paperwork was never sent. XXXX, Supervisor. Will not receive paperwork until XXXX due to Holidays. This is unacceptable, unprofessional & unethical. No one should have to give up 5 hours of their workday. Bank of America has also " lied '' on their website. They have no online chat. They have no live chat via the app. It is illegal to lie in writing. I wanted the money be applied to my account on XX/XX/year> so I could finish transferring my account to another Bank where I have already opened checking & savings account.

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 monetary relief
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
I am a consumer attempting to correct inaccuracies on my credit reports. I am filing this complaint because the information listed below is being reported inaccurately, incompletely, or in a misleading manner. I am requesting a full investigation under the FCRA, including verification of all data, full compliance with 602 ( A ), 607 ( B ), and 611, and the removal of any unverifiable or inaccurately reported information. 

Charged Off Accounts XXXX XXXX XXXX, Acct # : XXXX, Date : XX/XX/2021, Balance : {$0.00} Late Payments XXXX XXXX, Acct # : XXXX This late payment is not being reported accurately. Please verify its accuracy and delete if unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint because Experian has failed to correct inaccurate information on my credit report, which has caused significant harm to my ability to secure a home loan. I requested multiple times that they correct a XX/XX/year> late payment on my XXXX XXXX account ( Account # : XXXX XXXX XXXX XXXX XXXX ). Despite my efforts, Experian deleted the account without addressing the late payment, and they reported it again and it is now marked as closed when it was originally open. The late payment still remains uncorrected. 
I have disputed this issue three times now, and I have never been late on this account. I have asked for the late payment to be corrected to " Paid as Agreed '' or " OK ''. However, Experian 's failure to properly investigate and fix this issue is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) ( requires accurate reporting of information ) 15 U.S.C. 1681b ( 2 ) ( prohibits reporting without my written consent ) 15 U.S.C. 1681i ( requires proper investigation of disputes ) This error is negatively impacting my credit score and has already caused me to be denied a home loan. I am requesting the CFPB 's assistance in resolving this issue by ensuring a full reinvestigation of my dispute and correction of the inaccurate late payment. 
If this matter is not resolved promptly, I am prepared to pursue legal action for noncompliance under the FCRA.

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