vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Issue Summary : Square ( Block, Inc. ) deactivated my business account without explanation and is holding {$12000.00} in funds for 90 days, causing financial hardship.

Full Complaint : I operate a small business ( 1st Call ) and used XXXX to process payments. On XX/XX/year>, I was informed my account was deactivated and that {$12000.00} from various payments dating XX/XX/year> XX/XX/year>, would be held until XX/XX/year>. No explanation was provided in the deactivation notice. I contacted support and was told no further information would be given. This withholding has created a severe cash flow issue for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Reporting I am disputing late payment entries reported by XXXX XXXX XXXX on my credit file. These late payments are inaccurate and do not reflect my actual payment history. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported.

FCRA 609 ( 15 U.S.C. 1681g ) I have the right to full disclosure of all information in my credit file, including the source of each late payment entry.

FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute any information in my file that I believe is inaccurate, and you are required to conduct a reasonable reinvestigation within 30 days.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Data furnishers ( creditors ) may not report inaccurate or unverifiable information to the credit bureaus.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) You must maintain maximum possible accuracy in reporting.

I request that you : Investigate these late payment entries wit
h XXXX XXXX XXXX. 

Provide proof of accuracy and verification.

If the information can not be verified, delete it immediately from my report.

Enclosed, please find a copy of my credit report with the disputed late payments highlighted.

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 2025-09-15 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Reporting I am disputing late payment entries reported by XXXX XXXX XXXX on my credit file. These late payments are inaccurate and do not reflect my actual payment history. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported.

FCRA 609 ( 15 U.S.C. 1681g ) I have the right to full disclosure of all information in my credit file, including the source of each late payment entry.

FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute any information in my file that I believe is inaccurate, and you are required to conduct a reasonable reinvestigation within 30 days.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Data furnishers ( creditors ) may not report inaccurate or unverifiable information to the credit bureaus.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) You must maintain maximum possible accuracy in reporting.

I request that you : Investigate these late payment entries wit
h XXXX XXXX XXXX. 

Provide proof of accuracy and verification.

If the information can not be verified, delete it immediately from my report.

Enclosed, please find a copy of my credit report with the disputed late payments highlighted.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1. Summary of Complaint I am filing this complaint because credit bureaus and business credit reporting agencies ( XXXX XXXX XXXX, Experian, and XXXX  XXXX ) are reporting incorrect classifications and profile information for my company, XXXX XXXX XXXX, XXXX. 

This incorrect reporting includes : Wrong XXXX classification ( currently showing as XXXX XXXX Miscellaneous Personal Services ). 

Refusal to update to the correct industry codes, such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Administrative & General Management Consulting Outdated or incomplete business profile data, including revenue, number of employees, and contact email. 

This misclassification : Misrepresents the true nature of my business ( consulting and educational support ).

Harms my ability to obtain financing and contracts.

Creates an inaccurate risk profile that lenders may rely on.

2. Consumer Harm Because of these errors, my company : Appears as a high-risk or unrelated industry, which negatively affects funding eligibility.

Faces difficulties with SBA, banks, and private lenders due to mismatched or inaccurate classification.

Suffers reputational harm because reports provided to third parties are misleading.

3. Legal Violations ( FCRA & Related ) The following consumer rights and reporting standards are being violated : FCRA 607 ( b ) : Failure to assure maximum possible accuracy in reporting.

FCRA 609 ( a ) ( 1 ) : Failure to provide complete source information.

FCRA 611 : Failure to reasonably investigate disputes and correct errors.

FCRA 605B : Failure to block inaccurate or fraudulent data tied to misreported identifiers.

4. Actions Taken I have already contacted XXXX XXXX XXXX, Experian XXXX, and XXXX  XXXX to request corrections.

I submitted documentation including my Articles of Organization, business description, and proof of consulting/educational services.

Despite this, the misclassification remains unresolved.

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 2025-09-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Collection Account To Whom It May Concern, I am writing to formally dispute and demand removal of an inaccurate collection account from my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

The account in question is : XXXX XXXX Name : Dept of XXXX XXXX Account Number/Reference : XXXX Reported Balance : XXXX This account is inaccurate, unverifiable, and does not comply with the requirements of the FCRA. I request that you : 1. Conduct a full investigation into this account, including direct verification with the furnisher.

2. Provide me with written documentation of the results of your investigation.

3. If you can not verify this account with proper documentation, delete it from my credit report immediately as required under FCRA 1681i ( a ) ( 5 ).

Enclosed are copies of documents verifying my identity and address, including : A copy of my government-issued ID A recent utility bill or bank statement Please note that inaccurate or unverified information may not remain on my credit report under federal law. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I expect written confirmation of your investigation and resolution within the XXXX time frame required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On approximately XX/XX/year> I received a letter from XXXX saying I owed them {$230.00} so I called and spoke with XXXX ( XXXX XXXX ). He told me that the bill was from internet equipment that was not received. I disputed the matter because I did return the internet equipment. XXXX put me on hold and told me that I was correct. He told me that he could see the XXXX tracking # and that I did return it. He also told me that he would update the account and it will show that I now have a zero balance. After the conversation, I was satisfied and ended the call. In XX/XX/year>, I receive a notice from XXXX XXXX XXXX saying that I now owe {$260.00} from my old XXXX account. I disputed the letter. I then received a letter from XXXX saying that I now owe them {$260.00}. The next day, I received a credit alert saying that I now have a collection reported on my credit file. I then immediately called XXXX and spoke to an agent named XXXX XXXX  ( ID # XXXX ). After discussing the issue with her she told me that they have the proof that I sent the equipment back ( via the XXXX tracking # ) to them but never received it from UPS. I then asked her how could I be liable for XXXX 's mistake. I did my part and shipped it with the Label I received from XXXX, they have the tracking number ( which proves that I sent it ) but they are trying to hold me responsible for XXXX not doing their job. The Agent then told me that it's not my fault and that this has been happening often. She also said that she would open an extensive investigation into the matter and she would call me in approx. a week. She also said that her superior would call Credence and alert them of the mishap and to hold off on further action until the matter is fully resolved. My dispute is that this problem is not my problem because I returned their equipment with their label. XXXX is the one responsible for the equipment, not me. They had no grounds to put my credit in collection status and I want it taken off immediately. Can you help me please? Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Had {$59000.00} wired to payoff this loan. This was compelted XX/XX/XXXX. I have followed up over 15 times since then to get the status as this typically happens within 1 day. They had originally given me the wrong wire information. The correct information was sent same day. They then claimed it took until the XXXX to receive the loan and that it was sent to the dept to apply to my loan within 1-3 days. That has never happened. Every time I call it is some incompetent person telling me the same generic thing and that it'lll be within 1-3 days and not actually taking action on getting this fixed. $ XXXX has just disappeared!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against MOHELA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). 
I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. MOHELA XXXX XXXX XXXX XXXX XXXX  MOHELA XXXXXXXX XXXX XXXX XXXX XXXX  MOHELA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  MOHELA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against MOHELA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ).

I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. MOHELA XXXXXXXX XXXX XXXX XXXX XXXX  MOHELA XXXXXXXX XXXX XXXX XXXX XXXX  MOHELA XXXXXXXX XXXX XXXX XXXX XXXX XXXX MOHELA XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2025-09-16 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: OK

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-16 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-16 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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