vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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 am disputing the following charged-off accounts and inquiries appearing on my TransUnion report. These items may be inaccurately reported or lacking proper verification, and I request a full reinvestigation. 

CHARGED OFF ACCOUNTS ( TU ) XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$310.00} XXXX  XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$990.00} INQUIRIES ( TU ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Someone I was friends with for awhile but the friendship ended about seven years ago. Her husband used to do my taxes and has all my information. I received a wage garnishment from one credit card company, saying that it was in my name and I was listed as living at her address, I never lived with her and I feel I shouldnt have to pay for her fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
I ordered some phones from XXXX in XXXX of XXXX. I noticed that I had the wrong address on the order so I canceled the order and it was sent back to the warehouse. Once the phones were marked as received XXXX issued me a refund for my purchase. I then received a bill, I called about the bill and was told that phones had to go through the verification process at warehouse and to ignore any bills because I do not owe anything. I am now being contacted by their debt collector TSI regarding {$160.00} balance which I am confused about because I never received the phones or activated them. One the information the sent me for verification the phones do not even match what I ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
Asked them to stop calling several times - they threatened to take legal actions against me the first time we spoke - never did- this was almost a yr ago maybe and they call about once a week and I dont answer most days but- I did today XX/XX/year> at XXXX they called and hung up upon my answer I called back and they immediately said XXXX and informed me I had debt - wouldnt explain debt and read notes to me stating I asked them to not call me - then I requested a recording of the conversation he put me on short hold came back and said whats the problem why do you need the recording- then I explained why I needed the recording and then he back peddled and said he was calling for my wife- I never got the recordings - or what I owe to whom - never received anything in writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Independent Savings Plan Co.
State: VA

Complaint narrative:
I am filing this complaint because I believe I have been the victim of predatory lending, deceptive financing practices, inaccurate accounting, and unlawful post-judgment collection activity by XXXX. 
In XXXX, I financed a water treatment system through XXXX for approximately {$7900.00}. I have since paid well over the original value of the system, including : Thousands of dollars in payments before the account was charged off A Virginia court judgment entered without proper notice More than {$6000.00} in payments AFTER the judgment And now over {$880.00} every two weeks being garnished from my federal paycheck Despite these payments, XXXX continues reporting an inflated and inconsistent balance that keeps growing, with no clear accounting of how payments are being applied. 
I believe XXXX is engaging in unlawful practices including : Predatory loan terms Inflated finance charges and unexplained fees Maintenance charges that were never disclosed at the time of sale Charging interest even after the account was inactive Charging interest charge-offs without legal explanation Misapplication or non-application of payments Collecting under a judgment that was obtained under a former married name, resulting in lack of proper service Continuing collection on a balance that has already exceeded the original principal Their accounting documents contain mathematical inconsistencies, duplicative finance charges, and unexplained fee categories. I have repeatedly paid, but the balance does not decrease it grows. This is abusive, unclear, and unreasonable. 
Why I believe the company acted unfairly or deceptively The contract terms were not clearly explained at the time of sale. 
XXXX inflated the principal and added fees that were never disclosed. 
Their internal payment ledger contradicts their affidavit used to obtain the court judgment. 
They sued me under a name I no longer used, so I did not receive actual notice. 
They assessed undisclosed maintenance fees and other charges. 
They continued charging interest after the account was charged off. 
They used improper accounting to claim a higher balance. 
Their garnishment has caused severe economic harm to my family. 
I have paid more than the value of the product, yet the balance grows indefinitely. 
This appears to be a pattern of predatory and deceptive financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I am a consumer attempting to correct inaccuracies on my credit reports. I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ) for the accounts and inquiries listed below. The information being reported is not accurate, not complete, or can not be verified. Please conduct a proper investigation and update or delete the disputed items accordingly. 

CHARGED OFF ( Disputed Accounts ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$12000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$12000.00} These accounts are being reported inaccurately. I am requesting a full reinvestigation to verify all data, dates, balances, and compliance with FCRA 602, 607, and 611 regarding accuracy and completeness. 

INQUIRIES ( Unauthorized / Incorrect ) XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized by me. Please investigate and remove any inquiry that can not be fully verified with proper permissible purpose documentation. 

LATE PAYMENTS ( Inaccurate / Can not Be Verified ) XXXX XXXX XXXX XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX These late payments are inaccurate and do not reflect my actual payment history. Please conduct a full reinvestigation and remove any unverifiable derogatory data.

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 2025-11-24 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:
I am a consumer attempting to correct inaccuracies on my credit reports. I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ) for the accounts and inquiries listed below. The information being reported is not accurate, not complete, or can not be verified. Please conduct a proper investigation and update or delete the disputed items accordingly. 

CHARGED OFF ( Disputed Accounts ) XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$12000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$12000.00} Reporting appears inconsistent and incomplete. I am requesting a reinvestigation and correction under FCRA 607 ( b ) and 611.

INQUIRIES ( Unauthorized / Incorrect ) XXXX XX/XX/XXXX This inquiry was not authorized. Please verify the permissible purpose or remove it entirely. 

LATE PAYMENTS ( Inaccurate / Can not Be Verified ) XXXXXXXX XXXX XXXX XXXX XXXX/DOFED XXXXXXXX XXXX/DOFED XXXX These reported late payments are disputed as inaccurate. Please fully investigate and remove any unverifiable derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : REFERENCE XXXX HARRIS & HARRIS LTD {$1800.00} 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
Hello My personal information was involved in a data breach with marriot, transunion, equifax. * * I have many spam calls and fraud accounts reporting to my credit profile. Which is hindering my life and success, According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) * * you have on file of the accounts listed below. I demand the accounts to be removed immediately! inquiries with 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 XXXXXXXX, PLEASE remove immediately. ADDRESS UPDATE REMOVE XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
I am a merchant using Square Point of Sale. Squares system displayed multiple customer card payments as Completed on my Square app at the time of sale, but laterwithout any notificationthese same transactions appeared as Declined/Denied on my online Square Dashboard.

This resulted in financial losses and created serious discrepancies in my records. Squares system never informed me of the later declines, even though the transactions appeared completed and were included in my daily settlement totals.

I contacted Square support and requested the following specific information : 1. Confirmation of whether Offline Mode was ever enabled on my account, including date and time it was activated, device activation source, and proof that I, not the system, turned it on.

Square could not provide this information.

I never enabled Offline Mode, and I did not even fully understand the feature until the representative explained it. My device ( laptop ) is always in my office, connected to WiFi, as is my Square reader. I therefore could not have been offline.

2. Explanation of why my Square app showed a payment as completed, while the Dashboard later showed it as declined.

Square did not provide a technical explanation for this discrepancy.

3. Clarification of processing fees, including whether fees were initially deducted when the transaction appeared completed, and whether any fees were later refunded once the transaction showed as declined. Square did not provide this information.

I also reported that the first Square representative hung up on me during my call, and that the support manager then closed my case by email stating that there was no further escalation and no one above her to address my issue, despite acknowledging the earlier unprofessional conduct.

Square acknowledged that my feedback would be sent to their product teams for future improvements, which confirms there is an existing system weaknessspecifically, the lack of notifications when transactions later fail.

To date, Square has not resolved the problem, has not explained the discrepancies between the app and dashboard, and has not provided the documentation I requested. My records, revenue totals, and settlements were affected by Square showing payments as completed that were later declined with no notice.

I am requesting : a full investigation into Squares failure to notify merchants of delayed declines, a technical explanation of why the completed transactions later became declined, a record of whether Offline Mode was ever enabled on my account, clarification regarding any fees initially taken, and a resolution to prevent further financial harm.

I am willing to provide screenshots and the full email thread if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit line with a balance of {$250.00} that appears related to the aforementioned credit card at XXXX XXXX, Opened on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-24 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:
I am disputing the accounts, inquiries, and late payments listed below because they may be inaccurate, inconsistent, or incorrectly reported. 

CHARGED-OFF ACCOUNTS XXXX XXXX XX/XX/XXXX {$300.00} XXXX CARD XXXX XX/XX/XXXX {$1400.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD 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 2025-11-24 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: SC

Complaint narrative:
I am writing to dispute several entries on my TransUnion credit report, as I believe these entries are inaccurate and may violate the Fair Credit Reporting Act ( FCRA ). I also suspect that a data breach may be the cause of these inaccuracies. Please investigate the following accounts and update my credit report accordingly. 
Below are the accounts I am disputing : XXXX. XXXX XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Positive Balance : {$0.00} Dispute Reason : While the account is listed as " positive, '' I believe there may be discrepancies in the way the payment status is reported. The FCRA mandates that all reported information must be accurate, and I dispute the recorded information.

Data Breach Concern : I suspect that a data breach may have contributed to errors in how this account is reported. Please investigate if my personal data was compromised in any way. 
XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Positive Balance : {$0.00} Dispute Reason : This account is reported as " positive, '' but there may be inaccuracies in the payment history or account status. The FCRA requires that all information be verifiable and accurate. 
Data Breach Concern : Given the reporting discrepancies, I am concerned that a data breach could have led to the misreporting of this account. Please confirm if my data has been accessed improperly

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