vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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:
Square, Inc. ( Squareup.com / Block , Inc. ) On XX/XX/XXXX, I received an email and missed call from Square stating that unusual activity had been detected on my account and that transfers were being placed on hold. The instructions were to call Square for more information.

When I called back a few hours later, the representative verified my information but said there was nothing they could do and I needed to wait XXXX hours. When I asked why I was contacted if no action could be taken, the representative ended the call abruptly. 

After the XXXX hours passed ( XX/XX/XXXX ), I contacted Square through the browser chat. That representative told me to call and ask for Account Services. When I called, the representative stated that no information could be provided and then ended the call citing security concerns. This same thing occurred multiple times. 

I called again soon after and was told the issue would be escalated. I also submitted the email support form after that call and after another day received a message directing me to call Account Services. When I called, the representative again said that nothing could be done, repeated the instruction to wait XXXX hours, and then disconnected the call when I attempted to explain the ongoing issue. 

I called back again and a representative said I should expect an email within XXXX minutes after she escalated the issue. I received an email instructing me to call back to answer questions. When I called again and referred to the email, the representative stated the investigation was still pending and that no additional steps could be taken. When I asked whether someone with more information could contact me directly, the representative ended the call again. 

In another attempt immediately after, the representative claimed the call was breaking up and I disconnected the call, seeing it as another attempt to end the conversation. He immediately called back but stated he could not continue the conversation for security reasons and then disconnected before I could respond. 

Across multiple days and multiple calls, representatives repeatedly ended the calloften abruptly and without providing any information, guidance, or next steps. This has created an ongoing loop where I am instructed to call, only to be disconnected or told no information can be provided and to wait XXXX hrs. 

My business funds remain frozen with no explanation, no actionable instructions, and no clear timeline for resolution. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: NV

Complaint narrative:
Car lien holder reported to credit bureaus that I was late in XXXX and XXXX initially then reported I was late in XXXX and corrected the XXXX reporting. I explained I was never more than 30 days latex I asked for an extension for my XXXX payment but dont get signed apparently til after I was late. I feel I shouldnt have a late on my credit if I requested for a deferment. I then requested an audit of my account which XXXX XXXX completed and found that I was indeed current and XXXX. Although I was found current there hasnt been any changes to my credit reports. I sense contacted there credit reporting department and spoke with XXXX XXXX and he said I was late in XXXX. Im asking for full investigation and clarity of my account since the two departments do not work together to work on a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am submitting a complaint regarding Portfolio Recovery Associates reporting a collection account ending in XXXX. 
The account is reporting as an open collection with a balance of {$1100.00} and marked consumer disputes after resolution. The derogatory reporting includes a XXXX days late designation. 
I am disputing this debt because the furnisher has failed to provide validation and continues reporting negative information without supporting documentation as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. 
I requested verification from the furnisher, but the derogatory information continues to be updated and furnished to all three bureaus. 
I am requesting the CFPB to investigate Portfolio Recovery Associates for : Failure to provide proper validation Continuing to report disputed information Reporting inconsistent data across bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
This legitimate complaint demands immediate attention. My credit report includes inaccurate information that violates the standard of maximum accuracy. These errors are causing severe, ongoing harm to my life. I insist on a thorough investigation and the prompt correction or removal of all inaccuracies. Resolution is not just necessary it's critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I deposited a check and contacted USAA to verify whether it might be fraudulent. I never confirmed it was fraudulent ; I reported it to protect my account. 

USAA froze my entire account, including my legitimate paycheck deposited today. They refuse to release my earned wages even though the fraudulent check review is complete. 

This is my only bank account, and I am experiencing financial hardship. I request immediate release of my legitimate funds.

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 2025-11-14 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: MI

Complaint narrative:
I monitor my credit report closely because maintaining my credit standing is extremely important to me, yet I keep encountering multiple inaccurate and false accounts that should not be there. This has been an ongoing problem, and despite repeatedly addressing it, nothing has been corrected. The constant presence of these errors is exhausting, stressful, and has been unfairly harming both my life and my credit score.

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I was XXXX  on XX/XX/XXXX and XXXX  until XX/XX/XXXX. I had no access to my card or phone the entire time. When I was XXXX, my mother picked up my property, including my card, and held it for me until after I was XXXX. I did not have the card or the ability to check transactions during this period. 

After being XXXX, I stayed with family and didnt immediately need the card because I had some cash and was still waiting for my phone to arrive in the mail. About a week later, after settling in, I finally attempted to use my card and discovered that the funds were gone. I did not authorize any of those transactions. 

The ONLY legitimate transactions during this time were XXXX XXXX transfers made by my girlfriend, whose name is XXXX. Before I was arrested, she already had my card saved on her XXXX XXXX and when I needed money for XXXX, I would call her and she would transfer it. Those are the only transactions I recognize. Every other transaction made during the period of XX/XX/XXXX to when I got my card back was unauthorized. 

I could not have reported the fraud earlier because I was XXXX  without access to my card, phone, or account information. I am requesting a proper review of my dispute considering these circumstances. 

Also on the screen shot its says XXXX XXXX which is the day i got XXXX  and the other screen shot say disposition which means the day i got XXXX  and took my 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 2025-11-14 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: PA

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Transunion. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Furthermore, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports.

Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Transunion has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me.

I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer. 
According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Transunion to take all necessary action to correct and block this information as ordered by law.

Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Transunion records if it is determined that no permissible purpose exists for maintaining this information. I expect Transunion to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions.

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 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. They think that I actually opened an account through them when in reality, someone stole my identity and Social Security number and opened up a {$9000.00} account in my name. I advised them that it's not me and I sent them their identity theft report as well as other reports showing that I have had my identity stolen and to show that they have closed those accounts but unfortunately sofi think otherwise. I have gotten a police report for the identity theft, as well as a deposition from the state police due to the fact that we think we have an idea on who stole my identity and opened that alone in my name as well as possibly stealing other people 's credit card information and accounts information, there is an active investigation going on there. 

I sent an appeal out to them to rectify the situation as well. Re-contacted the credit bureaus to explain the situation. I have also contacted the FTC on the situation and now I'm here filing a complaint on Sofi bank because they're fraudulent consumer protection practices are still so far after being sued for the same exact issue XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I would like to address a discrepancy I discovered regarding my mortgage account. On XX/XX/XXXX, I received a call from XXXX XXXX  requesting personal information. Upon my refusal, I was advised to contact Wells Fargo. I attempted to reach Wells Fargo multiple times, but I was unsuccessful. On the same day, I requested a copy of my credit report and found that XXXX XXXX  had reported non-payment for over 60 days. 

For the past 15 years, my VA loan has been with Wells Fargo, set up with an automatic payment system. I have not received any communication from Wells Fargo regarding my mortgage, and I have never been late on a payment.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing a complaint regarding a XXXXBarclays co-branded credit card and a XXXX timeshare account that have caused significant credit harm during an active dispute and settlement process. 
This credit card was suggested to me by XXXX when I added additional credits to my timeshare, and it is the card I use for XXXX dues and the timeshare loan. Because of this relationship, it appears that XXXX reporting may influence the credit behavior of the co-branded account. 
On XXXX, shortly after I agreed to settle my timeshare account with XXXX, my Barclays credit limit was suddenly reduced without any notice. Barclays informed me that the reduction was triggered by Experian. However, when I contacted XXXX  on the same day, XXXX  stated they did not initiate any change and indicated the decision came from BarclaysXXXX XXXX not the credit bureau XXXX 
During the XXXX days XXXX attorneys took to respond, the reduced limit caused additional credit harm and prevented me from making timeshare-related payments. I received no notice of any adverse reporting or changes that would justify a limit reduction. 
I asked XXXX attorneys to assist in correcting any inaccurate reporting and in facilitating restoration of the limit before the settlement is finalized. They stated they have no authority. However, because this matter involves a XXXX tradeline and a co-branded XXXXBarclays credit card that was recommended by XXXX as part of the timeshare purchase process, I believe XXXX can correct inaccurate information and communicate with Barclays as needed.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: SC

Complaint narrative:
I requested verification from the creditor, but they failed to provide complete documentation, including contracts, statements, or proof of ownership. Despite this, the account continues to appear on my credit report. This is a violation of FCRA 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-14 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: Williams & Fudge, Inc
State: GA

Complaint narrative:
XX/XX/year> WILLIAMS AND FUDGE LEGIT XXXX XXXX, SC. XXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT : WILLIAMS AND FUDGE LEGIT, ACCOUNT NUMBER :, BALANCE : {$550.00}... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT : WILLIAMS AND FUDGE LEGIT, ACCOUNT NUMBER : XXXX, BALANCE : {$550.00} must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND that the following ACCOUNT : WILLIAMS AND FUDGE LEGIT, ACCOUNT NUMBER : XXXX, BALANCE : {$550.00} LISTED be DELETED off my CONSUMER credit report IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-14 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: Self Financial Inc.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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