vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: NCB Management Services Inc.
State: LA

Complaint narrative:
Dear CFPB, I am writing to report an issue I have encountered with NCB Management Services, which has significantly impacted my credit score and my ability to secure housing. 

On XX/XX/year>, NCB Management Services reported a debt of {$10000.00} to the credit bureaus without my permission. I was not notified of this debt prior to its reporting, nor did I authorize any actions regarding this account. This collection has resulted in a XXXX decrease in my credit score, which has made it extremely difficult for me to find a place to stay. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I believe that I have the right to be informed about any debts owed and to dispute any inaccuracies. The actions taken by NCB Management Services appear to violate these rights, as I was not given the opportunity to address this matter before it affected my credit. 

The consequences of this situation have been severe, as I am now facing challenges in securing housing due to my diminished credit score. I kindly request your assistance in investigating this matter and taking appropriate action against NCB Management Services for their practices. 

Thank you for your attention to this urgent matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Some used XXXXXXXX XXXX to fraud me out of money, when I called XXXX XXXX to dispute my charge they told me I had to call my bank directly since it was taken from my debit card on XXXX XXXX. I disputed with my bank and filed the correct information as requested by them and following the directions of XXXX XXXX to dispute with them. My account was then restricted on XXXX XXXX and I called to inquire why and was told its just restricted I cant do anything with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: DC

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 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
I've never received a notification to pay off this debt from the collection agency. I only received notification of the debt being applied to my credit report. I don't know where the debt is from, and I don't know why I never got the chance to pay the debt off before it appeared on my credit report. I'm being asked to pay {$2100.00} from Absolute Resolutions Investments for a debt I was never informed of. It was opened on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Majority USA, LLC
State: PA

Complaint narrative:
I opened an account in XXXX XXXX and deposited {$50.00} into account. I tried to make a transaction but it did not go thru since bank account was new. My account was closed with my {$50.00} in there. I called bank on XXXX and was told that If I wanted to get my money back I need to call in a month. XXXX I called again and the rep I spoke to said they will escalate my concern in order to get my money back. Today XXXX I received an email again stating my account is under review and I have to wait another month to see the results of the review, but somehow I still don't get the money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX 2025, I submitted a formal dispute to TransUnion under the Fair Credit Reporting Act ( FCRA ), requesting deletion of three inaccurate collection accounts : XXXX XXXX XXXX ( {$510.00}, original creditor : XXXX ), XXXX XXXX XXXX ( {$1300.00}, original creditor : XXXX XXXX ) , and XXXX XXXX ( {$1300.00} ). I enclosed a copy of my ID and proof of address. XXXX tracking confirms delivery. 

TransUnion responded on XXXX XXXX, 2025, claiming all accounts were verified but provided no supporting documentation from the original creditors. I sent a follow-up letter on XXXX XXXX, 2025, reiterating my request for full validation, including original signed agreements, a breakdown of the debts, and proof of ownership. TransUnion again responded on XX/XX/XXXX with the same outcomeaccounts marked as verifiedwithout supplying any documentation. 

Under 15 U.S.C. 1681i ( a ), a consumer reporting agency must conduct a reasonable reinvestigation and provide verification from the source. TransUnion failed to do so. Their responses relied solely on vague confirmations from data furnishers without evidence. This violates FCRA by failing to conduct a reasonable investigation and refusing to correct or remove unverifiable accounts.

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 2025-05-21 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: VA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-21 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
Please block and delete the unauthorized accounts currently appearing on my credit report. I did not authorize or initiate them, and I am unaware of how they were added. Pursuant to USC 1681g, I formally request their removal within the next 15 days. Enclosed youll find the supporting documents for your review. Its also important to note that each credit bureau is reporting different and inaccurate information for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am filing this complaint against Cash App XXXX XXXX XXXX XXXX ) regarding multiple unauthorized ATM withdrawals that occurred on my account. 

On Tuesday, XX/XX/year>, in the early morning hours, XXXX ATM withdrawals of {$25.00} each were processed without my authorization. Then, on Wednesday, XX/XX/year>, another unauthorized ATM withdrawal of {$26.00} occurred. An additional attempted withdrawal of {$15.00} failed due to insufficient funds. I have never used an ATM with Cash App in my entire history with the platform, which makes these transactions highly suspicious. 

These withdrawals happened shortly after I made XXXX legitimate purchases with my Cash Card one at a beauty supply store and another at XXXX. Given the timing and nature of the unauthorized withdrawals, I believe my Cash App card may have been cloned or compromised. As a result, I immediately requested a new card and changed my PIN for security. 

I submitted a dispute through the Cash App platform and provided all necessary context. However, my dispute was denied XXXX separate times, without a clear explanation or access to any evidence used to reach that decision. The only responses I received were generic messages, and my attempts to contact customer support have not resulted in a proper review or resolution. 

I am requesting that the CFPB investigate this issue and ensure that : My case is reviewed fairly ; Cash App provides a detailed explanation for the denials ; I receive a full refund for the unauthorized charges. 

This situation has caused financial harm and distress. It also raises concerns about how Cash App handles fraud claims and protects its users from unauthorized activity. I am seeking accountability and assistance to recover my funds and prevent this from happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
Supplemental Complaint Continuing Collection Activity Despite Dispute and Invalid Judgment ( Case # XXXX ) This is a supplemental complaint against both XXXX XXXX XXXX, XXXX and Gordon , Aylworth & Tami , P.C . regarding their continued collection actions based on a judgment that was obtained through false service and has been actively disputed. 

In XX/XX/XXXX, I was first notified about a wage garnishment by my employers HR department. Prior to that contact, I had received no court documents, summons, or notice of any legal action. I had no knowledge of the existence of this lawsuit or judgment. Upon learning of the garnishment, I contacted Gordon , Aylworth & Tami , P.C . by phone. I informed them that I had never been served and had no idea a judgment existed. 

Despite this, I said I would try to pay by XXXX to avoid further garnishment or damage to myself. They acknowledged the call and voluntarily filed a full release of the garnishment in XX/XX/XXXX. 

However, rather than investigate my claim of improper service or validate the judgment, they refiled a new Writ of Garnishment on XX/XX/XXXX, XXXXbased on the same false affidavit and judgment I had disputed. This refiled garnishment was mailed to my actual address ( unlike the first one ), which proves that they were aware the original service was defective.

This timeline demonstrates clear violations of consumer protections under : - FDCPA 1692g ( b ) : Failure to cease collection after receiving dispute without validating the debt.

- FDCPA 1692e & f : Misleading and unfair enforcement of a void judgment.

- RCW 19.16 and 19.86 : Continued collection on a judgment obtained without due process.

I respectfully request that the CFPB reopen or supplement the previous complaints against both parties and take enforcement action. This refiled garnishment is not a correctionit is an intentional act taken after being directly informed the debt was invalid and the judgment void.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Capital One secured credit card and was approved instantly. The application clearly stated, your credit will not be affected. However, before I could fund the deposit, the website timed out.

Thinking the process hadnt gone through, I resubmitted the application. That second attempt was denied, and I later saw two hard inquiries appear on my credit report. My credit score dropped, even though I was told both times that it wouldnt be affected.

I called Capital One and spoke to multiple reps, including a supervisor. They acknowledged that the first application was approved and the second was denied. I asked them to remove the second hard inquiry since it was a duplicate caused by their system error but they refused. They told me the only way to remove it would be to report it as fraud, which is not true and would create additional problems for me. 

I also made it clear that I had been a Capital One customer for years, and this was not a new relationship. They still refused to take responsibility. They said I could proceed with the approved card, but that Id have to accept the credit damage and deal with the bureaus myself. 

This is unacceptable. I followed the process in good faith, believed their claim that my credit wouldnt be affected, and now Im being penalized due to a website issue they caused. Im requesting Capital One either remove the second inquiry or submit a correction to the credit bureaus acknowledging it was their system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation