vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
XXXX XXXX XXXX has placed a negative mark on my credit for a debt I do not owe. I do not owe this debt and have no contractual obligations to XXXX XXXX XXXX nor any of their affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IN

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern, This letter is sent in response to a [ letter/phone call ] I received from your office on [ insert date received ], regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am formally requesting full verification and validation of this alleged debt.

I dispute this debt in its entirety and request that all collection activity cease immediately.

Please provide the following documentation for validation : The full name and address of the original creditor, including the original account number and the original amount of the alleged debt.

Verification that there is a valid legal basis for claiming I am obligated to pay the amount you have stated.

A complete itemized breakdown of the debt, including : The last billing statement from the original creditor ; A detailed accounting of all interest, fees, and payments applied since that billing statement ; The legal basis for any interest charges, including applicable state or federal statutes.

The date of delinquency as reported by the original creditor, and whether this account is still within the statute of limitations for collection or legal action in my state.

Important Notice : I am requesting written communication only.

Please cease all phone calls to my number immediately and contact me exclusively in writing at the address listed above.

Until the above information is provided and validated, you are not permitted to pursue further collection efforts or report this account to any consumer reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
Subject : Credit Report Dispute XXXX XXXX XXXX  XXXX ( Account # XXXX * * ) * * Dear [ TransUnion / Experian / Equifax ], I am writing to formally dispute the accuracy of the information being reported on my credit report concerning the XXXX XXXX XXXX XXXX  account ( partial account number ending in XXXX ). After reviewing my credit file via XXXX, I noticed the following issues that I believe to be either inaccurate, incomplete, or in violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Disputed Information : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Balance : {$1400.00} Credit Limit : {$1000.00} Status : Charged Off / Derogatory Date Opened : XX/XX/scrub>/2024 Last Payment Date : XX/XX/year>2024 Reported As Of : XX/XX/year>2024 Dispute Reason : There are several inaccuracies with this account that require immediate investigation : 1. Balance and Credit Limit Conflict : The account shows a {$1400.00} balance, which exceeds the {$1000.00} credit limitthis suggests either errors in reporting or inappropriate fee assessments.

2. Inconsistent Dates : The account is reported as charged off within just two months of opening ( opened XX/XX/year>2024, last payment XX/XX/scrub>/2024, charged off by XX/XX/scrub>/2024 ). This timeline is unusually short for a legitimate charge-off and raises questions about its accuracy. 
3. Payment History Issues : TransUnions payment history shows inconsistent and highly derogatory marks, while Experian reports no such negative activity. These discrepancies need to be reconciled.

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 2025-07-21 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: NC

Complaint narrative:
Subject : Credit Report Dispute XXXX XXXX XXXX  XXXX ( Account # XXXX * * ) * * Dear [ TransUnion / Experian / Equifax ], I am writing to formally dispute the accuracy of the information being reported on my credit report concerning the XXXX XXXX XXXX XXXX  account ( partial account number ending in XXXX ). After reviewing my credit file via XXXX, I noticed the following issues that I believe to be either inaccurate, incomplete, or in violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Disputed Information : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Balance : {$1400.00} Credit Limit : {$1000.00} Status : Charged Off / Derogatory Date Opened : XX/XX/scrub>/2024 Last Payment Date : XX/XX/year>2024 Reported As Of : XX/XX/year>2024 Dispute Reason : There are several inaccuracies with this account that require immediate investigation : 1. Balance and Credit Limit Conflict : The account shows a {$1400.00} balance, which exceeds the {$1000.00} credit limitthis suggests either errors in reporting or inappropriate fee assessments.

2. Inconsistent Dates : The account is reported as charged off within just two months of opening ( opened XX/XX/year>2024, last payment XX/XX/scrub>/2024, charged off by XX/XX/scrub>/2024 ). This timeline is unusually short for a legitimate charge-off and raises questions about its accuracy. 
3. Payment History Issues : TransUnions payment history shows inconsistent and highly derogatory marks, while Experian reports no such negative activity. These discrepancies need to be reconciled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Applied online, provided all requested info except video of myself. Did not complete application.

Applied in person ; no video needed, I assumed. Denied ; no reason.

Got letter : denied because need to verify your identity. I then called indicated phone number and was told : - must submit video to complete pending application.

- would not retract either the incomplete application or the declined application, both of which will lower my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Purchase of a car XX/XX/year> on card. Barclays. {$9100.00}. Not aware of time limit for merchant dispute. Barclays claims that info is on my paper statements, which I don't receive. They also claim the info is on my electronic bill. We are setup for autopay. We don't receive an electronic statement. Bottomline, they have not informed me of anything.

Various merchantability issues have arisen with the car, leading me to conclude the sale on the card was fraudulent and deceptive. The merchantability test fails in this case.

I have been denied a merchant dispute option with Barclays based on their claim that the timeline has passed. They have failed to prove that I was ever made aware of that timeline. Therefore, I request a review if this matter. TY.

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Square , Inc. ( Block , Inc. ) for engaging in unlawful business practices, including the wrongful deactivation of my companys merchant processing account without evidence, notice, or due process. Their conduct constitutes a breach of contract, breach of fiduciary duty, and potential violations of federal consumer financial protection laws. 

As the CEO of XXXX XXXX XXXX XXXX, a U.S.-based healthcare supply company, I relied on Square to lawfully process payments for regulated medical products. On or about XX/XX/year>, Square abruptly disabled our account citing a vague and unsubstantiated violation of Section 35 Payment Terms, with no formal notice, no evidence of wrongdoing, and no opportunity to respond, correct, or appeal.

Furthermore : Square representatives gave conflicting information one claimed the account was active, another stated it was permanently closed.

Square has refused to provide supporting documentation for their decision, despite repeated demands.

Their actions have interrupted our medical supply chain, including the distribution of FDA-regulated goods, and caused direct financial and reputational harm.

Square has ignored formal requests for explanation and evaded meaningful communication, including refusal to accept legal service or escalation.

This behavior appears to violate : Dodd-Frank Act ( 12 U.S.C. 55315533 ) engaging in unfair, deceptive, and abusive acts and practices ( UDAAP ) ; Electronic Fund Transfer Act ( 15 U.S.C. 1693b ) mishandling of business funds and electronic transfers ; Fair Credit Reporting Act ( 15 U.S.C. 1681m ) failure to disclose adverse action or internal scoring decisions ; FTC Act ( 15 U.S.C. 45 ) unfair commercial conduct ; UCC 4A-204 interference with lawful commercial fund transfers ; Common law fiduciary and contractual duties by acting against the interests of a legitimate client without justification.

I respectfully request the CFPB : Investigate Squares merchant account practices and risk review procedures ; Require Square to produce evidence of the alleged violation ; Order reinstatement of our account or formal exoneration ; Enforce regulatory and financial penalties where appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MO

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and complaint regarding Experian failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). Despite my prior disputes and the evidence, I provided, Experian failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that Experian immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both Equifax Collections 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 XXXXXXXX Employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 Employment XXXX XXXX XXXX XXXX XXXX Inquiry Hard XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA 1681i, Experian is legally obligated to : 1. Conduct a timely and reasonable reinvestigation of disputed accounts. 2. Delete any item that can not be verified or is found to be inaccurate or incomplete. 3. Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts.

- A detailed explanation of the methods used to verify the accuracy of each account.

- The removal of any account that remains unverifiable, inaccurate, or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: SC

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a hotel stay at XXXX XXXX through Chase Travel, which is operated via my Chase account. The Chase Travel website listed the accommodation as including 2 queen beds and 1 sofa bed. This configuration was a key factor in my booking decision, as I needed sufficient sleeping arrangements for my group. 

However, when I checked in at XXXX XXXX, I was informed by hotel staff that the reservation only included 1 queen bed and 1 sofa bed, and that their property does not offer rooms with 2 queen beds at all. The hotel confirmed that the information listed on the Chase Travel website was incorrect and that the mistake originated from Chase Travels listingnot from the hotel itself.

I communicated with Chase Travel three times regarding this issue. Each time, they refused to provide a clear timeline for resolution and repeatedly told me I had to wait for the hotels response. This was an attempt to delay and deflect responsibilityeven though the hotel clearly stated this was not their error. Chase Travel has used the hotel 's non-refundable policy as a cover to avoid accountability for their own misrepresentation. This behavior appears to be an intentional effort to manipulate the outcome and avoid issuing a refund.

After days of delay, Chase Travel ultimately refused to provide a refund, despite having sold me a product that did not match what was advertised or booked. 

Booking Details : Trip ID : XXXX Hotel Confirmation Number : XXXX Check-in : Wednesday, XX/XX/year>, XXXXXXXX XXXX  Check-out : Thursday, XX/XX/year>, XXXXXXXX XXXX Value of Booking : {$550.00} Points Used : XXXX points I am requesting a full refund in the form of XXXX Chase points to be credited back to my account. This is a clear case of false advertising and failure to deliver agreed-upon services, and Chase should be held responsiblenot the hotel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CBC Companies, Inc.
State: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX CA Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I had a previous payment arrangement for a different debt which I had made a payment arrangement for, now these people came to my house to try and collect more money that I currently cant afford at the moment .Now I feel like they are just looking for any single thing to continue and harras me for money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: AP

Complaint narrative:
Harris and Harris is trying to collect a toll of 7 dollars I have already paid and are charging me an additional {$76.00} in fees.

Company response to consumer: Closed with explanation