vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-19 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: SC

Complaint narrative:
Please provide validating documents. The date of last activity is reporting differently among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed 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 2025-11-19 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am submitting this statement because my Equifax credit report contains several inaccurate and unverifiable charged-off accounts that I do not believe are being reported in full compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation, validation, and correction or deletion of the items listed below. Some accounts appear inconsistent, outdated, or contain incomplete information that does not match the other credit bureaus. 

Charged-Off Accounts Under Dispute ( 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/year> Balance : {$8000.00} Inquiry Disputes ( XXXX  ) ( No inquiries provided for XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am a divorcing single woman with significant financial responsibilities, and to support myself I recently started 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  This is a legitimate, straightforward business, and I follow every rule and requirement asked of me. 

Because I had used Square through a prior employer and trusted the platform, I chose Square to process these payments. Unfortunately, Square has held approximately {$9000.00} of my funds and has unilaterally deactivated my account without any legitimate explanation. They are stating that the funds will not be released until XX/XX/year>, which is completely unreasonable, punitive, and financially devastating. 
I am an upstanding person, have never had so much as a parking ticket, and I have provided Square with every verification document they requested including banking, financial, and business information. Despite my total transparency, I have been treated in a manner that feels dismissive, unprofessional, and frankly, scam-like.

The funds Square is withholding are not even mine they belong to my clients. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Square is holding the full amount, I am now personally out approximately {$7000.00} ( plus thXXXX XXXX XXXXecause I had to pay my clients ) with no resolution or even a meaningful response from Square . Their actions have caused unnecessary financial strain at a time when I am already navigating a difficult divorce and covering all household expenses on my own.

I am requesting immediate release of my funds and prompt reinstatement of my account, or a clear explanation supported by evidence as to why Square believes it has the right to hold my money for over a year. If this matter is not resolved promptly, I intend to pursue all available legal remedies. 

In review, my account was closed without a valid explination, my funds are held with out cause ( items sold will not ever be refunded due to my policy of no refunds ) and lastly square will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
My account is getting hacked and they are taking the money out when I didn't authorize any of it and can't wait for them to refund the money when there security features were XXXX  supposed to prevent it it's all scams some off XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I financed a vehicle through Westlake Financial. The dealership that sold the vehicle has since closed, which has caused delays in obtaining the title. I requested guidance from Westlake on how to receive the title or transfer it, and they referred me to XXXX. XXXX informed me that they can not assist without documentation from Westlake. I have made multiple attempts to get the necessary documents from Westlake, but the company has not provided a clear solution. I am concerned about potential repossession, unauthorized fees, and negative credit reporting if this issue is not resolved promptly. No action has been taken by Westlake to address these serious financial and credit-related risks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Request for Immediate Deletion of Closed Account FCRA Dispute XXXX. Creditor Name : [ XXXX  XXXX XXXX ] Report Date : [ XX/XX/XXXX ] Status : Closed Reason for Dispute : Inaccurate XXXX. Creditor Name : [ XXXX  XXXX ] Report Date : [ XX/XX/XXXX ] Status : Closed Reason for Dispute : Inaccurate XXXX. Creditor Name : [ XXXX ] Report Date : [ XX/XX/XXXX ] Status : Closed Reason for Dispute : Inaccurate XXXX. Creditor Name : [ XXXX XXXX XXXX XXXX  ] Report Date : [ XXXX XXXX, XXXX ] Status : Closed Reason for Dispute : Inaccurate XXXX. Creditor Name : [ XXXXXXXX ] Report Date : [ XX/XX/XXXX ] Status : Closed Reason for Dispute : Inaccurate XXXX. Creditor Name : [ XXXX ] Report Date XXXX [ XX/XX/XXXX ] Status : Closed Reason for Dispute : Inaccurate XXXX. Creditor Name : [ XXXXXXXX  ] Report Date : [ XX/XX/XXXX ] Status : Closed Reason for Dispute : Inaccurate To Whom It May Concern : I am writing to dispute the reporting of a closed account listed on my credit file. This dispute is being submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. Nature of the Dispute The closed account referenced above is being reported inaccurately, incompletely, or in a manner that can not be verified, which is a violation of the FCRA. You are required to report only information that is accurate, complete, and verifiable. 

Because this account does not meet those standards, it must be deleted immediately. 

XXXX. Required Action Under FCRA 611 ( 15 U.S.C. 1681i ) I am formally requesting that you : Conduct a reinvestigation of the closed account COMPLETELY DELETE the account from my credit report if it can not be verified 100 % Provide me with written confirmation of the results Under federal law, if the furnisher fails to verify the account within XXXX  days, the credit bureau is REQUIRED to remove it from my file. 

Legal Notice If you fail to correct or delete inaccurate or unverifiable information, you will be in violation of : FCRA 611 Failure to reinvestigate FCRA 607 ( b ) Failure to maintain maximum accuracy FCRA 623 ( a ) Reporting information known to be inaccurate I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and my State Attorney General if this matter is not handled properly. 

Please send written results of your investigation to the address listed above. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 



Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This dispute was originally mailed to Experian on XX/XX/year>. 
Experian failed to provide me with any reinvestigation results within the 30 days required under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 6 ).

Because Experian did not provide results within the statutory period, this inquiry must now be deleted from my credit file under FCRA 1681i ( a ) ( 5 ) ( A ).

I am disputing this inquiry as unauthorized under FCRA 1681b and requesting immediate deletion for failure to comply with the 30-day reinvestigation requirement.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash App is wrongfully attempting to close my account and falsely labeling my activity as gambling without providing any explanation or evidence. My transactions are personal transfers between family members, not gambling or prohibited use. Cash App notified me that my account violated their terms, but they refuse to tell me what specific transaction or behavior caused the violation. I have repeatedly asked for clarification and proof, and Cash App continues to send generic responses without addressing the issue. I use my account for normal personal financial activity, including sending and receiving money with family. Cash Apps accusation is incorrect, and their refusal to explain or correct the error is preventing me from accessing my account and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
Before my vehicle was originally repossessed in XX/XX/XXXX, I made a payment through XXXX XXXX. Despite this, my car was repossessed and taken to an auction lot in Ohio. In XX/XX/XXXX, I paid the full reinstatement amount, and the loan was reinstated. However, I never physically got the vehicle back because it remained in Ohio, and I could not afford the transport cost. I continued making payments even though I did not have the car. XXXX XXXX I continued paying on the reinstated loan even though I did not have the car. During this time, I repeatedly explained to Kia Finance that I was XXXX XXXX XXXX, a full-time student, and had lost my job at XXXX due to school, I tried to get them to see that Im trying & it was stressing me out bad. I didnt have people to take me to school or work. I requested grace or any assistance available. XXXX XXXX My mother sent half of a payment ( I wasnt aware I gave her the full amount but she only sent half ) during my financial hardship. Instead of helping me They defaulted the reinstated loan over a partial payment, saying it wasnt nothing they can do. The car ( still in Ohio ) was repossessed again and sold. I paid {$2500.00} to reinstate the loan but never regained physical possession of the vehicle. Nearly a year later, in XX/XX/XXXX, I received an automated email from Kia Finance saying my payment was now past due, with a due date of XXXX. My credit report also does not accurately reflect my payments. It shows up like I never paid them at all, not even showing my reinstatement. This ongoing reporting issue is preventing me from rebuilding my credit.

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
- on XX/XX/year> Javitch Block LLC FILED a lawsuit against me representing XXXX XXXX  for an unknow creditor. 
- they can scan a letter and say I was given the chance to validate, and request a clear chain of custody leading back to this unknow creditor. 
- I save all documents or important mail received, and nothing was ever received to allow dispute of alleged debt which is my right due to FDCPA laws. 
- said deceptive use of the court system due to violations of law, allow me to counter sue. 
- again a scanned letter, is not proof I was informed of alleged debt. 
- since that chance was never offered as my rights allow, this is also my official request to validate debt, receive proof both companies are licensed to sever in XXXX, and a clear chain of custody leading back to the original creditor which is unknow, along with original contract

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 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I applied Lowes consumer credit card at Lowes store in XXXX XXXX. The application was completed by store staff named XXXX. My application was denied even though I have an excellent credit point and no defect. She called and saidbecause the staff input incorrect Social Security number. She called Lowes credit application dept and corrected error, but application was still denied. She said I need to wait XXXX days to receive a letter for denial reason. After XXXX  days I received the letter. The reason of denial was unable to verify my identity. I called Lowes credit application dept. The representative could not tell me what the specific reason. I requested her manager and XXXX, the manager could not find out unable to verify identity meant. He told me to reapply after XXXX  days. I did reapply but denied again.

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