vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: OH

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-09-19 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: SC

Complaint narrative:
XXXX. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
b'ComplainantXXXX XXXX XXXX XXXX XXXX XXXX XXXXCreditor:\nThe XXXX XXXX XXXX XXXX XXXXAccount ending: XXXX XXXXSubject: Improper late fee assessment and unlawful negative credit reporting in violation of 15 U.S.C.  1666b and the Fair Credit Reporting Act (FCRA)\n\n\n\nStatement of Facts\n\t1.\tI am the holder of the above-referenced XXXX XXXX XXXX XXXX account.\n\t2.\tMore than one year ago, the creditor assessed a late fee despite my timely payment.\n\t3.\tThe creditor failed to properly credit my payment as of the date received, in violation of 15 U.S.C.  1666b (Timing of payments).\n\t4.\tAs a result of this unlawful fee, the creditor reported my account as late to the consumer reporting agencies.\n\t5.\tThis derogatory information continues to negatively affect my credit standing.\n\n\n\nApplicable Law\n\t\t15 U.S.C.  1666b requires that payments be credited as of the date received.\n\t\t15 U.S.C.  1681s-2(a) (FCRA) prohibits furnishers from reporting inaccurate information to consumer reporting agencies.\n\t\tFailure to remove the late fee and correct the reporting constitutes an ongoing violation of federal law.\n\n\n\nRelief Requested\n\nI respectfully request that the CFPB:\n\t1.\tDirect The XXXX XXXX  to immediately delete the late fee from my account history.\n\t2.\tInstruct The XXXX XXXX  to notify all consumer reporting agencies (Equifax, XXXX, XXXX) to remove the late payment entry from my credit file.\n\t3.\tConfirm in writing that the account is in good standing and that no negative credit reporting will remain.\n\n\n\nSupporting Documentation\n\t\tPayment confirmation records from the relevant month.\n\t\tAccount statement showing the improper late fee.\n\t\tCurrent credit report showing the derogatory late payment entry.\n\n\n\nCertification\n\nI certify that the foregoing is true and correct to the best of my knowledgeXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IA

Complaint narrative:
XX/XX/XXXX XXXX Chime sent fraud alert text- {$580.00} @ XXXX XXXX XXXX was it me? I replied No @ XXXX Calls from Chime financial XXXX started coming in @ XXXX I missed 1st 3 calls because busy at work next 5 calls dropped within roughly 30 seconds finally next call was almost 17 minutes agent was XXXX confirming XXXX transaction was not me Correct, then she said she blocked card for me and asked if I gave anyone access to account or have an XXXX? Both answers were No XXXX said someone in XXXX XXXX  with an XXXX had complete access to my account and to lock them out we'd have to reset my account. XXXX She had me move Savings ( {$1100.00} ) to Checking XXXX Credit Builder ( {$660.00} ) to Checking total in Checking is now {$2300.00} She said Checking goes to XXXX through pay anyone Call dropped XXXX XXXX XXXX me back checking goes to XXXX through pay anyone when asked what it's for put Case ID XXXX it takes about half hour for account to reset then money will be back in there. XXXX After work checked account no money then checked emails and seen that money went to an XXXX XXXX XXXX And she claimed it at XXXX ( which was 2 minutes after it was sent ) while I was still on the call with XXXX! XX/XX/XXXX checked account when got up still no money Called Chime Support to report fraud & dispute transfer. XXXX dispute XXXX filed XXXX XXXX email received determination was made -Denied XXXX I called Chime to get documentation used in dispute. Can take up to 10 days to get email with documents. XX/XX/XXXX XXXX email received with documents used, it was only questions & answers from when I reported it, and some left blank because I couldn't understand what agent was saying to me so he moved on to next question. XX/XX/XXXX XXXX dispute reopened,, sent in XXXX screenshots of texts, calls, & emails with Chime showing I was talking to them to protect t my account when everything happened. 
XX/XX/XXXX email received determination was made -Denide no error occurred XX/XX/XXXX I will be calling Chime again to request documents used for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
I am sending to formally dispute the presence of inaccurate addresses listed on my credit report. The following addresses are incorrect and should not be associated with my credit file : 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 XXXXXXXX XXXX have never lived at, received mail at, or been affiliated in any way with either of these locations. 
Including these addresses in my credit file is both inaccurate and misleading. My correct and current address is listed below and should be the only address reflected in my credit profile. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA 609 ( a ) ( 1 ) ), I have the right to access and dispute any incorrect personal information included in my file. Additionally, FCRA 611 ( a ) ( 1 ) ( A ) requires your agency to investigate disputed information and delete any data that is inaccurate or can not be verified within 30 days. FCRA 607 ( b ) also requires you to maintain maximum possible accuracy in consumer 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 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I had money deposited into my account and it was XXXX my acct was hacked and closed on cash app for suspicious activity never could retrieve my money or take my card info off file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Investigation of Inaccurate Credit Reporting Report Date : XX/XX/year> Report Reference : [ Your Experian Report Number ] To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute the accuracy and completeness of several items listed on my Experian credit report. The following accounts are reported with derogatory information that I believe to be inaccurate, unverifiable, or misleading : XXXX. XXXX Account ending in XXXX Reported late payment. 
XXXX. XXXX XXXX Account ending in XXXX Reported XXXX late and derogatory remark despite consumer dispute. 
XXXX. XXXX Account ending in XXXX Reported as a charge-off with balance {$3200.00}. 
XXXX. XXXX Account ending in XXXX Reported with multiple late payments and past due balance. 
XXXX. XXXX  XXXX XXXX Accounts ending in XXXX Reported with repeated late payments and derogatory closures. 
XXXX. XXXX Account ending in XXXX Reported with late payments and negative remarks after closure. 
XXXX. XXXX Account ending in XXXX Reported with settlement notation and derogatory status. 

Under the FCRA, all information on a credit report must be accurate, complete, and verifiable. I request that Experian conduct a full investigation of each account listed above. Unless these creditors can provide proper documentation proving the accuracy of these derogatory notations, including original account records and payment histories, these items must be permanently deleted from my file. 

Please send me written confirmation of your investigation results within the time allowed under 15 U.S.C. 1681i. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-09-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Investigation of Inaccurate Credit Reporting Report Date : XX/XX/year> Report Reference : [ Your Experian Report Number ] To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute the accuracy and completeness of several items listed on my Experian credit report. The following accounts are reported with derogatory information that I believe to be inaccurate, unverifiable, or misleading : XXXX. XXXX Account ending in XXXX Reported late payment. 
XXXX. XXXX XXXX Account ending in XXXX Reported XXXX late and derogatory remark despite consumer dispute. 
XXXX. XXXX Account ending in XXXX Reported as a charge-off with balance {$3200.00}. 
XXXX. XXXX Account ending in XXXX Reported with multiple late payments and past due balance. 
XXXX. XXXX  XXXX XXXX Accounts ending in XXXX Reported with repeated late payments and derogatory closures. 
XXXX. XXXX Account ending in XXXX Reported with late payments and negative remarks after closure. 
XXXX. XXXX Account ending in XXXX Reported with settlement notation and derogatory status. 

Under the FCRA, all information on a credit report must be accurate, complete, and verifiable. I request that Experian conduct a full investigation of each account listed above. Unless these creditors can provide proper documentation proving the accuracy of these derogatory notations, including original account records and payment histories, these items must be permanently deleted from my file. 

Please send me written confirmation of your investigation results within the time allowed under 15 U.S.C. 1681i. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
I am the owner of a newly formed business, XXXX XXXX XXXX. On XX/XX/year>, XXXX notified me that my account was deactivated and that all funds in my account balance would be withheld for 90 days, not to be released until XX/XX/year>. The balance represents legitimate payments received from clients for consulting services already rendered. 

Before the account closure, Square sent me multiple verification requests. I complied in full, submitting the requested information through my Square Dashboard. Their own correspondence stated that once my information was verified, funds would be released and available for transfer. 

On XX/XX/year>, I sent Square a formal written request asking for clarification regarding : The specific reasons for deactivation. 

The Square Terms of Service provisions they claim were violated. 

Confirmation of the release date for my funds. 

Assurance that payments processed before deactivation would be disbursed. 

Despite this, Square has refused to provide any detailed explanation. When I contacted Square support on two separate occasions, I was told only that this was policy.

Squares actions have created unnecessary hardship for my business by withholding funds that were already paid by clients. These funds remain locked in my Square balance ( a digital wallet account ) and can not be accessed, withdrawn, or used. Square has provided no evidence of fraud, no indication of customer disputes, and no specific justification for imposing a 90-day hold.

I believe this practice is unfair and deceptive. I am requesting that the CFPB require Square to : Provide a clear written explanation of the reasons for account closure. 

Release the funds currently being held. 

Ensure that small businesses are not subjected to arbitrary account closures and fund holds without due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Robinson Economic Development Corporation
State: FL

Complaint narrative:
Took out a {$900.00} loan. 699.9986 % interest rate is diabolical. {$450.00} payment a month is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
this account is being reported inaccurately and fraudulently, no authorization for this was submitted for it to be reported. I have asked repeatedly, verbally and written, for verification of these debt ( s ) and no results have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Re : Validation of Debt & Cease and Desist Request To Whom It May Concern : This letter is being sent to you in response to your recent communication. I am formally requesting validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The name and address of the original creditor.

2. The original account number.

3. A copy of any judgment, contract, or agreement bearing my signature that shows I have a legal obligation to pay this debt. 
XXXX. The full accounting of the alleged amount, including principal, interest, fees, and how it was calculated. 
XXXX. Proof that XXXX XXXX XXXX is licensed and legally authorized to collect debts in my state. 
Additionally, be advised that this is also a formal cease and desist notice. You are hereby instructed to immediately stop all communication with me about this matter except in writing and only to provide the validation requested or to notify me of specific legal action you intend to take. 
Failure to comply with this request will be considered a violation of the FDCPA and my rights, and I will not hesitate to report your actions to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my State Attorney Generals Office. 
This notice is being sent via certified mail with return receipt requested, and a copy is being retained for my records. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: RI

Complaint narrative:
To whom it XXXX concern, I am XXXX XXXX a student at the XXXX XXXX of Rhode Island. I recently recieved emails from the Admissions office. In the emails it stated that those who received the XXXX XXXX had the opportunity to take college classes for XXXX  in the summertime. I thought it would have been a great opportunity ; I receive the XXXX XXXX. so, I registered for summer classes. I then receive a refund in the amount of XXXX dollars. After that, I had gotten charged XXXX. I had contacted the merchant to try and resolve the issues. I was then told by XXXX XXXX that I wasn't supposed to get that refund and that they were charging my XXXX XXXX for the summer. XXXX  XXXX XXXX of Rhode Island used deceptive practices in their email adds. It was false advertising and a breach of contract, and a fraudulent misrepresentation of what the actually were doing. I am reporting them for myself and other individuals in a similar situation. I hope you can look into this matter and get back to me as soon as possible.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX, TX XXXX Subject : Request for Investigation and Deletion of Unverifiable Information Under the FCRA Dear Experian, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute the completeness and accuracy of the information contained in my credit file. This is a formal request for a reinvestigation of all information that can not be verified, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

You are hereby notified that I dispute the accuracy and/or completeness of one or more items contained in my credit file. I am exercising my right under federal law to request that you conduct a reasonable investigation to determine whether the disputed information is accurate. If the information can not be verified, it must be promptly deleted from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Additionally, you are required to complete your investigation within 30 days of receipt of this dispute. If your investigation reveals that any item is inaccurate, incomplete, or can not be verified, you must delete or correct that item accordingly and provide me with written results of the investigation.

I am requesting that all unverifiable information in my credit file be immediately removed. Please provide me with an updated copy of my credit report reflecting the results of your investigation.

Enclosed, please find a copy of my identification and proof of address to assist with your reinvestigation process. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation