vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
Im honestly frustrated that the inaccurate late payments remain on my credit report. Despite refreshing the browser, theyre still there, and I cant understand why this hasnt been corrected yet. Im asking for an urgent and thorough review of my documents so this problem can finally be put to rest.

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 2025-10-01 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: IL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-01 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: NH

Complaint narrative:
I am filing a complaint against Square , Inc., a payment processor/platform, regarding the unjust freezing of my funds from a legitimate transaction. 

On XX/XX/year> a customer purchased the Scottish fold kitten from me ( Im a breeder ) for {$2200.00}. Square initially approved the transaction, and the funds were successfully debited from the customers account. Later, Square flagged the transaction as fraudulent and placed my funds on hold, demanding that I issue a refund to the customer.

Customer refuses to receive refund.

I have provided Square with comprehensive evidence proving the legitimacy of this transaction, including : 1. Screenshots from the customers bank account confirming payment 2. Communication logs with the customer 3. Proof of delivery of the product / service provided Despite these documents, Square refuses to release my funds and insists on a refund, which the customer refuses to accept. This situation puts me at risk of losing both my money and the product/service provided.

I request CFPBs assistance to ensure Square releases my funds promptly and resolves this matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management is reporting a debt on my credit report that I do not recognize and for which I never signed a contract or agreement. The information they have reported contains inaccurate personal details, including my name, address, and email, which do not match my records. I have reason to believe that they can not provide a valid signed contract showing that I am legally obligated to pay this debt.

Despite my efforts to obtain validation under FDCPA 1692g, Midland Credit Management has failed to provide any proof that I am legally responsible for this debt. Reporting this account with incorrect information also violates FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to delete or correct unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-10-01 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-10-01 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: MI

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am trying to purchase a vehicle and the dealer informed me otherwise the negative item on my credit report.15 U.S.C 1681aims to ensure the accuracy, fairness, and confidentiality of consumer information used for credit reporting and other purposes, such as employment and insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
The Debt Collector 's response to my first complaint is wholly inadequate and fails to comply with federal law. My request was not simply for a cease of communication but for full validation of the alleged debt and proof of legal standing ( assignment/chain of title ).

Under 15 U.S.C. 1692g ( b ) ( FDCPA ), a debt collector must provide validation of the debt when requested in writing and must cease all collection activity including reporting to consumer reporting agencies until such validation is provided. The company has failed to do so.

Further, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of information may not report information that they know or should know is inaccurate. Reporting an unvalidated debt constitutes furnishing inaccurate information.

Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ), the CRA must delete or correct information that can not be validated. Since CCS has refused to provide lawful validation of the alleged debt, they are currently in violation, since the tradeline remains.

By failing to provide validation and refusing to prove assignment/ownership, Credit Collection Services is in breach of both the FDCPA and FCRA. Their attempt to sidestep their obligations by stating they will cease collection does not absolve them from the statutory duty to provide Debt Validation ( the original signed contract, with my signature, etc. ) and Proof of Assignment/Chain of Title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GVA Holdings, LLC
State: CO

Complaint narrative:
I made my normal payment of my loan ( Total loan = {$1300.00}/ paid over {$600.00} already ). Normal scheduled payments are every two weeks for {$270.00} and the next payment will be due in a couple days.

After paying the balance due, I attempted to make another payment of the principal only. I was informed I could not do that. Their system auto-allocates funds and I can not just pay the principal.

Then I asked, of the payments made towards the {$1300.00} how much was applied to principal? She stated only {$3.00}!!!! And they wont let me make a principal only payment.

This means I will be paying what near {$10000.00} for {$1300.00} they refuse to let me pay the principal down on. I called ( 5 ) times and each time something different. One time - computer froze. Second time- went dead and she hung up. Third time- refused to take my payment. Fourth time- hung up when they knew I was recording. But they can record.

This is predatory and I think illegal!

Bright Lending - Loan amount {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
On XX/XX/year>, Experian deleted the account XXXX Account # XXXX from my credit report after my dispute. However, on XX/XX/year>, the same account was reinserted without any notice, explanation, or supporting documentation. 
This reinsertion violates the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ), which requires consumer reporting agencies to notify the consumer within 5 business days if previously deleted information is reinserted, and to provide the name, address, and phone number of the furnisher who re-certified the account. I did not receive any such notice or proof of reinvestigation. See all supporting documents

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 2025-10-01 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: OH

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and conflicting information regarding an XXXX XXXX XXXX collection account ( ending in XXXX ). 
My Equifax credit report clearly shows the account as ( CLOSED ), with a past due amount of {$1400.00} and {$0.00} in actual payments. However, when I contacted Equifax by phone the representative stated their internal system shows the account as ( OPEN ). 
This means Equifax is publishing two different statuses, one ( CLOSED ) on the consumer report, while at the same time showing the account as ( OPEN ) internally. 
THIS IS FACTUALLY INCONSISTANT AND MISLEADING VIOLATING ( FCRA ) 1681e ( b ) ( failure to maintain maximum possible accuracy ). 
This account also shows a date of first delinquency of XX/XX/XXXX but a date opened of XX/XX/XXXX which is chronologically impossible, and a past due amount on a closed account with no payments, which is not possible for a collection. 
on XX/XX/XXXX, XXXX  ( DELETED ) this same account due to Failure of verification, and a previous ( CFPB ) response confirmed the furnisher could not verify the information. 
Under ( FCRA ) 1681e ( b ) and 1681i ( a ), Equifax ( MUST DELETE ) UNVERIFIED OR INACCURATE DATA. 
I am requesting ( Permanant DELETION ) of this XXXX XXXX XXXX account from my Equifax 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 non-monetary relief
Consumer complaint received 2025-10-01 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: ProCollect, Inc.
State: TN

Complaint narrative:
Information was exposed to the first XXXX  data breach a few years ago. I have been trying to get the CRA 's to remove this inormation ever since.

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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
Im not going back and forth and writing anymore this is the last attempt before I drop my legal documents, the XXXX XXXX is already involved. 

XXXX XXXX and all other accounts XXXX and what ever you have you cant verify you wont reinvestigate. Transunion deleted them all, your playing a game I have attached your cfpb response to me where you talk about my credit profile that you keep saying does not exist. Laughable This shall serve as evidence with the ongoing investigation with XXXX XXXX. This is now willful negligence. Trust me, you will pay me. See previous correspondence. Legalese is a game I play well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I sent them a message trying to get file number so I can start making payments I saw something that said they should reach out in XXXX hours its been almost a whole week now. And after checking the court file I see they have already set up to take my taxes next year. I have a feeling I XXXX have to go downtown and submit a form XXXX XXXX.

Company response to consumer: Closed with explanation