vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
Back in XXXX  I decided to create a square account so I could begin to take my business further and stop receiving cashapp payments because people would receive a service then scam and have cashapp send the monies back to them, unfortunately this was the reality of anyone in my same situation on a business level. I had 2 transactions paid separately.... this having had been my first time working with square I decided to test it out after my client left, I tried to withdraw the monies totaling {$81.00} to my bank account but was surprised when I couldn't. I reached out to customer service but they asked me to send my business license, I didn't have that but I did have my tax return with my XXXX on it as well as any other verification needed. I lost hope for a while but last year I remembered I had the monies sitting there. I reached out just to be told the verification link expired therefore I gave up hope due to the XXXX telling me theres NOTHING THAT CAN BE DONE, as a single mom with XXXX children and no help plus running my hair business to make ends meet i couldn't dwell on it too long, i figured id deal with it when i had time. Well i logged in today and seen the money is still sitting there 3 years later and there was " silent attempts '' to get me to " verify myself '' at this point in over it so as im gathering the information for Consumer finance i see that after my conversation with the XXXX in XXXX when he said my account was to be deactivated they set up the verification request in XXXX without my knowledge, last i was told they couldn't do that, just to DO THAT, then I see I received emails in XXXX to do an id verification which just expired XX/XX/XXXX this is the silent attempt i spokeof, how ironic when they verbally gave me very different information, not to mention I had 2 of my family members die 3 weeks apart within that time so checking my emails was the last thing I wanted to do as my children took the last death extremely hard I stopped the world around me to console, and protect their mental health. I gave them XXXX more chance to correct this before moving forward with this, I spoke to a XXXX named " XXXX '' She spoke of understanding, and giving me options as to how to assist but gave XXXX understanding and the only option she gave me was DEAL WITH IT AS IS, square has made me feel like I food something wrong when I'm being completely honest and transparent. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am reporting a wrongful debt collection on my credit report from Southwest Credit Systems, related to a XXXX account that was opened and closed in error. 
I opened a XXXX account on XX/XX/XXXX, but closed it the next day, on XX/XX/XXXX, because it was opened in error and was never used. 
At the time of closure, I asked if any balance was owed and was told by XXXX that I owed nothing. 
Months later, I received a letter from Southwest Credit Systems claiming I owed {$66.00} related to this closed account. 
I contacted XXXX, and on XX/XX/XXXX, a representative confirmed the charge was a mistake and told me they had sent a letter to the collection agency asking for the debt to be cleared. 
I asked for written confirmation, but they said they could not provide it. I followed up with the collection agency, but they said they had not received anything from XXXX. 
On XX/XX/XXXX, I filed a complaint with the FCC due to lack of resolution. 
On XX/XX/XXXX, I received a call from XXXX with XXXX XXXX XXXX XXXX XXXX who confirmed that the balance was cleared and that my credit would not be affected. 
Despite this assurance, on XX/XX/XXXX, I received an alert that Southwest Credit Systems had reported the collection to the credit bureaus, and it lowered my credit score. 
XXXX said the update could take up to 3 months, but she had clearly stated my credit would not be affected at all, which it has been. 

I am now left with a derogatory mark on my credit report due to a completely invalid debt that both XXXX and their executive team acknowledged was reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. As I have spoken to the Bankruptcy court and they even explained they dont publicize this kind of information. So you are searching other databases without my consent to get this unauthorized or false information. Just so you know my information was in a Experian & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. Please remove this bankruptcy as Equifax already removed it

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting a XXXX XXXX account ( partial acct # : XXXX ) as a charge-off XXXX times across XXXX different months from XX/XX/XXXX through XX/XX/XXXX, even though the account was closed in XX/XX/XXXX. A charge-off can only occur once under the Fair Credit Reporting Act ( FCRA ), and this account was already settled and should have been updated accurately or removed. 

I submitted multiple disputes, including one in XX/XX/XXXX, and Experian falsely responded that the account was Verified and Updated. Rather than correcting the account, they updated it to show additional damage by reporting it as newly charged off for six consecutive months which is a clear violation of FCRA 623 ( a ) ( 5 ) and 611 ( a ). This re-aging tactic artificially extends the harm to my credit report and is illegal.

Additionally, I requested a full consumer file including investigation details, which Experian failed to provide. I have screenshots and documentation proving these violations. 

This complaint further strengthens my legal case against Experian, as they are now on record verifying false and harmful reporting despite clear evidence to the contrary. I am pursuing legal action for damages, credit suppression, and emotional and financial harm. This account must be deleted immediately, and a full investigation is warranted by the CFPB.

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 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arivo Acceptance, LLC
State: GA

Complaint narrative:
Subject : Dispute of Credit Report Entry XXXX ( Account # XXXX ) To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report. The account in question is listed as : Creditor Name : XXXX Account Number : XXXX I am requesting that this item be investigated and removed from my credit report. I believe this item is inaccurate and does not reflect my credit activity. 

Please investigate this matter and remove the account from my report if it is found to be in error. I have attached a copy of my credit report highlighting the item, along with any relevant documentation ( if applicable ). 

Thank you for your prompt attention to this matter. Please provide the results of your investigation in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have late payments from XXXX in the months of XXXX XXXX XXXX and XXXX thats incorrect. I was on a in school deferrment at the time and these months shows missed payments which are incorrect. Also, for XX/XX/XXXX I was granted a financial hardship deferment but the missed payments for XXXX was not removed from any of my student loan accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
RE : Revocation of Power of Attorney Authority Over My Accounts and Trusts To Whom It May Concern, This letter serves as formal notice that I, XXXX XXXX, hereby revoke any and all Powers of Attorney, agency, or fiduciary authority previously grantedwhether expressed, implied, assumed, or presumedto Wells Fargo Bank, N.A., its officers, agents, representatives, subsidiaries, or affiliates. 

This revocation applies to any and all powers relating to my personal accounts, business accounts, trust instruments ( including but not limited, securities, applications, or credit instruments wherein Wells Fargo may have claimed or acted under presumed authority or agency.

As of the date of this notice, Wells Fargo is no longer authorized to act on my behalf in any capacity whatsoever, including but not limited to : Accessing or managing trust funds Making financial decisions Reporting, collecting, or transmitting personal or financial data Endorsing, accepting, or securitizing instruments Representing me or my trust in any financial or contractual matters Let this serve as your legal and administrative notice that any further action taken under any prior presumed Power of Attorney or fiduciary relationship will be considered unauthorized, fraudulent, and actionable under applicable federal and state laws, including but not limited to : 15 U.S.C. 1692e ( False or misleading representations ) 18 U.S.C. 1341 ( Mail Fraud ) 18 U.S.C. 1343 ( Wire Fraud ) Uniform Commercial Code 3-501 and 3-604 You are hereby instructed to cease and desist all actions taken under any prior authority 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name 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 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 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am a XXXX of XXXX XXXX. According to FCRA section 1681, its illegal to report anything on my credit report without my Permission. Please remove this negative items : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The accounts listed on my consumer reports need to be removed because these were all accounts I had to include in my bankruptcy due to fraud/idenity theft.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The accounts listed on my consumer reports need to be removed because these were all accounts I had to include in my bankruptcy due to fraud/idenity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I recently went to Suncoast credit Union in XXXX, Florida and discovered that an unauthorized teller at the bank ( located on XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX ) reclassified my credit card as secured again without my consent, a serious breach of my consumer rights and financial trust. I did not authorize any such change, nor did I consent to any new funds being held or used as collateral. The teller went into my account without my consent and put on the hold {$1000.00} of my money. I wrote a written letter to the bank about the hold they continue to insist that the card was a secured and thats why they took the money. I have recent credit card bills, stating that it was no longer a secured credit card, and the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My identity was stolen and I have no history of conducted business with Portfolio Recovery ( {$490.00} ). This account has damaged my credit report and I have never had dealings with this company or it's affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
This account is closed and has passed its time to show on report .report says it will come off XX/XX/year>. but still has not been removed. 
Please remove this old closed account. 

GM Financial Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with XXXX  XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
New credit inquiry as below : BARCLAYS BANK DELAWARE recently checked your XXXX  credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years. 
Source : XXXX  XXXX : BARCLAYS BANK DELAWARE Address : XXXX XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX This was for a FRAUDULENT credit card application for a XXXX XXXX. I called BARCLAYS and they supposedly cancelled.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i recently review my credit report and i notice i have fraudulent account on my report. please removed these account from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Bank of America is reporting a " closed '' secured credit card that I never opened or funded I just merely checked pre qual status

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