vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/year>, I spoke with an Apple Card supervisor regarding my minimum payment of {$220.00}. I explained that I was unemployed and unable to pay the full minimum. The supervisor assured me multiple times that if I made a partial payment of {$100.00}, my account would remain active and only show overdue. I confirmed this several times, since I had previously been restricted after paying less than the minimum and wanted to avoid that outcome. The supervisor stated : Ive never seen a case where paying less than the minimum restricts the account. It will only show overdue and youll still be able to use your card. 

Relying on this guidance, I paid {$100.00} the same day. Despite following the instructions given, my card was restricted and declined at the grocery store. As a result, I was left unable to buy food and essentials, while unemployed and relying on this card for basic needs. 

Apple Card support later acknowledged in writing that I had been misinformed but refused to restore access immediately. Instead, I was told I would need to wait up to XXXX business days for management review. 

Ongoing impact On XX/XX/year>, I paid the remaining {$100.00} to fully satisfy the minimum due, and my account is no longer restricted. However, the harm is ongoing. I continue to face high interest charges that make my financial hardship worse. The stress and consequences of being misled remain with me today. 

Escalation Case Reference : XXXX In addition, the high interest charges are making my situation worse. Because this problem was caused by misinformation and not by my own actions, I am requesting temporary relief from interest so that I can realistically keep up with payments while unemployed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
My account was deactivated by Square because of suspicious activity. They are withholding {$5000.00} until XX/XX/XXXX. My account was deactivated today right before the actual debit card was delivered. Its seems so odd they deactivate my funds on the day I was able to withdraw. I am filing this complaint regarding Square.I rely on these funds for my basic living expenses, including heat lights water and food. Square has stated that funds may be held for up to 90120 days, but I can not wait this long without severe consequences. I am at immediate risk of homelessness if these funds are not released. 
I have attempted to resolve this directly with Square by phone calls, emails, dashboard messages but they have refused to release the money or provide a clear explanation beyond citing suspicious activities I believe this withholding of funds without transparent justification or due process constitutes unfair and harmful business practices. I urgently request that Square be compelled to : Release my withheld funds immediately and provide a clear and lawful justification for continuing to withhold them. 
The financial harm is severe and ongoing. I request urgent intervention from your office to resolve this matter. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

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 2025-09-04 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: NY

Complaint narrative:
In XXXX of XXXX  The company was emailing me telling me if I did not deposit money by XX/XX/XXXX they will close the account but nothing regarding new fees. In XXXX and XXXX of XXXX  I kept getting emails to deposit my account or the prepaid banking will close my account. I deposited XXXX and the bank debited XXXX from my funds. I have had the card almost 4 years and I have never been charged undisclosed fees. I never received anything in email or the mail that the prepaid account would be assessing XXXX monthly maintenance fees if you did not have a direct deposit. I contacted the prepaid company on XX/XX/XXXX the questioning why did they did not notify, me as a consumer of any changes. I told the representative to close my account. I received and email in XXXX stating my account was low. I should not have been getting emails after XXXX because I told them to close my account. 
I spoke to a XXXX and refuse to close it and a XXXX Manager stating they can not close my account because I need to pay their fee first. This is an absolute scam that this company is running and in no way should a prepaid card company charge monthly fees without notice nor refuse to close an account upon a consumers request over XXXX cents.It is a prepaid card not a commercial bank. The company failed to notify and refuse to close my card so they can continue to charge their monthly maintenance fees and for it to add up negatively. I have had the card for 3 years and received no notice.. I was never aware of any demand deposit account agreement. I was never sent anything in the mail.I was not informed of any new fees the company posed on my account until 2 month later after I made a deposit also advertised in XX/XX/XXXXXXXX  no minimum balance required but needing to deposit XXXX or more in order to not be charged a monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 first filed several disputes with Transunion dating back to XX/XX/. The following are more dates, and they are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I was and still are in constant contact with Transunion to get this matter resolved. They have failed to do their job to help me, and I am very disappointed and very upset, because they are misrepresenting the facts due to their lack of knowledge, professionalism, and proper etiquette while taking care of business and putting the consumer " XXXX '' first! 

I have also uploaded documentation supporting the facts and they have refused to make the correction on my credit file. Transunion has cost me time, sleepless nights while trying to get this resolved. It has been over 96 days!!!! My creditors have reported the correct information to the other Bureaus why isn't Transunion? Transunion has not done their due diligence to rectify this problem.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am writing to formally demand that you cease and desist from engaging in the actions that have caused harm to me and/or my business. Specifically, on XX/XX/year>, I attempted to contact this company regarding unauthorized charges, failure to deliver services, harassment, and false statements. I didnt receive anything in writing regarding this matter. I checked my credit report and found fraudulent charges that I had no knowledge of. 
As a result of these actions, I suffered losses totaling {$490.00}. 
On XX/XX/year>, I contacted your office regarding this issue, but no corrective action was taken. 
Despite multiple attempts to resolve this matter in good faith, including communications on XX/XX/XXXX, XX/XX/year>, the problem persists. 
Your conduct is unlawful and unacceptable. If you do not immediately cease these activities and provide written confirmation within XXXX business days, I will have no choice but to pursue all legal remedies, including filing a formal complaint, seeking damages, and involving the appropriate regulatory authorities. 
This letter is my final attempt to resolve this matter amicably. Please be advised that continued misconduct XXXX result in escalated legal proceedings without further notice. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp closed my account and is not letting get to my fund or login in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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 2025-09-04 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem, where I am being totally affected to be able toacquire a newhouse for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company withmy information, and for more than 60 days, I have not received anyresponse from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

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 2025-09-04 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-04 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: NC

Complaint narrative:
I am a victim of identity theft, and TransUnion continues to report inaccurate and unauthorized information on my credit file despite previous disputes. Specifically, an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still showing as a charge-off, even though consumer law and Metro 2 standards prohibit reporting a sold or assigned debt as an active account. 

Additionally, multiple hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX ) were placed on my file without my consent, permissible purpose, or signed authorization. These violate FCRA 604 ( a ) ( 3 ) and GLBA 502 ( a ) privacy protections. 

This time, I am submitting a complete FTC Identity Theft Report and a notarized police report, which confirm these accounts and inquiries are fraudulent. My previous submission lacked the full FTC packet, which is now included.

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 2025-09-04 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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 2025-09-04 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: CA

Complaint narrative:
To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Inaccurate and Unverifiable Accounts Dear Equifax, I am disputing the following accounts on my credit report dated XX/XX/XXXX ( Confirmation # XXXX ). Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), you are required to conduct a reinvestigation and permanently delete unverifiable or inaccurate data. 

Disputed Accounts XXXX XXXX Reported as 120+ days past due with a balance of {$4700.00}. Last payment shown XX/XX/XXXX, yet Equifax continues to show escalating delinquency without updated activity. This is inconsistent with other bureaus reporting. 

Violation : FCRA XXXX ( b ) ( failure to ensure maximum possible accuracy ). 

XXXX XXXX XXXX Closed account showing {$1700.00} balance and {$300.00} past due as of XX/XX/XXXX. Equifax lists status as Closed/90119 Days Past Due, which differs from other credit bureaus. 

Violation : FCRA 1681i ( a ) ( 1 ) requires deletion if unverifiable within 30 days. 

XXXX XXXX Listed as Pays as Agreed/Closed but continues to reflect inconsistent narrative codes, despite being paid and closed in XX/XX/XXXX. This creates misleading credit information. 

Violation : FCRA 1681c ( a ) prohibits retention of misleading or outdated negative references.

Legal Grounds FCRA 1681e ( b ) : Duty to maintain maximum possible accuracy.

FCRA 1681i ( a ) : Requires reinvestigation and deletion if unverifiable.

FCRA 1681c : Outdated or misleading information must not be reported.

I demand that these accounts be fully verified with original source documentation or permanently deleted within 30 days. 

Failure to comply will result in formal complaints with the CFPB, FTC, and California Attorney General, as well as potential civil action under FCRA 1681n and 1681o. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

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 explanation