vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
I am a regular consumer working to clean up my credit reports. I am requesting the CFPBs assistance to ensure that each credit bureau investigates these disputed items properly and obtains full verification from the furnishers as required under the FCRA. 
Below is a breakdown by credit bureau of the items I am disputing. 
Charged-Off Accounts XX/XX/XXXX AccountXX/XX/XXXXXXXX I do not recognize this debt and have not been provided verification. I request that Equifax obtain documentation proving I am responsible for this account or remove it if it can not be verified. 

XX/XX/XXXXAccountXX/XX/XXXXXXXX This account is reported inaccurately. I have not received proper validation or supporting documents. Please verify all information or remove it. 

XXXX XXXX AccountXX/XX/XXXXXXXX I am disputing this charge-off because the balance, dates, and reporting do not match any records I have. I request full verification. 

XXXX XXXX AccountXX/XX/XXXXXXXX This account is also being disputed as inaccurate. Please provide full documentation or remove it. 

2. Inquiries The following inquiries were not authorized by me and I am disputing them XX/XX/XXXX XX/XX/XXXX I did not apply for credit with these companies on those dates. Please remove these unauthorized inquiries. 

3. Late PaymentsXX/XX/XXXX AccountXX/XX/XXXXXXXX This late payment is inaccurate. I request verification of the date and documentation supporting the delinquency. 

XXXX AccountXX/XX/XXXXXXXX This late payment is also incorrect. Please verify the accuracy of this reporting or remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal 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 2025-12-04 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal 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 2025-12-04 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:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is gr
eater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - The inquiry was not authorized.

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 2025-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Back in XXXX Paypal limited my account and have froze my account and was told it will be available after 180days and its XXXX and I have been back and forth contact and the back end team still not releasing my funds on the account. I was told it would be available back in XX/XX/XXXX but when I called to withdraw, they are still saying its not available when I have not violated any of their policies and have complied with what they needed. They keep saying call about in 3 days and to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: D&A Services, LLC
State: LA

Complaint narrative:
I have been dealing with D and A services who has my XXXX account for the past few months and they are threatening to sue me if I pay them what they want. I am done paying them and I have gone to XXXX XXXX to have them settle this but D and A Services keep on calling me. I have not been served papers yet but I think that is coming as well in the next month or so. I know that this all interest based on my XXXX account anyways so either they will bite the bullet and repay me the {$500.00} or I will see them in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: MN

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 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 2025-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
The calls come all day everyday, so you can pick any day and they contact 3/4 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am a small business owner using Square as my payment processor. A customer initially filed a dispute through XXXX XXXX ( XXXX ), which led to a temporary reversal of funds totaling {$1900.00}. However, the customer later canceled the dispute, and XXXX rebilled her account meaning the charge was reinstated and the funds should have been returned to me.

Despite this, Square has refused to assist in getting the funds released. They will not confirm the status of the refund, participate in a three-way call with XXXX, or communicate with XXXX in any form. Ive contacted Square multiple times and escalated the issue, but theyve claimed that because the case is closed in their system, they can not take any further action even though XXXX has confirmed the cancellation and that Square should receive the funds.

As a result, the funds are in limbo. The customer has paid, XXXX has confirmed cancellation, but Square has failed to release the funds or provide any meaningful help.

This is harming my business, and Squares refusal to act or provide a remedy is unacceptable. I am requesting regulatory help to force Square to process the return of funds properly or provide a detailed explanation of their refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX became the Successor Trustee of the XXXX XXXX XXXX Dated XX/XX/XXXX. On XX/XX/XXXX, via XXXX XXXX, the notarized Affidavit by Attorney-in-Fact and Certificate of Trust F.S. XXXX documents were delivered to USAA, Attn : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX along with a request to transfer ALL accounts for XXXX XXXX XXXX into the name of the XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, Dated XX/XX/XXXX. USAA put XXXX account into the XXXX and not XXXX. As a result, when XXXX XXXX passed away, USAA issued XXXX checks to The " Estate of XXXX XXXX '' and not to the " XXXX XXXX XXXX '' and the checks can not be cashed. ( One checking account, one savings account, one renters account, one senior bonus check, one subscriber 's payout. ) The total is {$3600.00}. USAA has refused to help with this situation. XXXX XXXX died XX/XX/XXXX, nearly 2 years ago. I am trying to work through the court system in Florida but it is very laborious and I have been unsuccessful.

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 2025-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Received an email on XX/XX/year> from someone by XXXX XXXX from XXXX XXXX XXXX threatening to sue and take me to court, freeze my bank account, and contact my employer if I didnt pay. The email states the amount owed is {$3200.00}, and the case number in the email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-12-04 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:
Disputed accounts have to be resolved and deleted within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TN

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 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 2025-12-04 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: NY

Complaint narrative:
I made a transaction on cash app through my XXXX  XXXX XXXX debit card from account ending in XXXX for {$890.00} for XXXX XXXX to render services, yes u made multiple transactions for this 1 service but once the last payment was made she never rendered the services for the XXXX XXXX service I paid for. I contacted cash app to file a claim they not once asked gpr proof or messages or anything. She was subcontracted by XXXX XXXX, I told him the situation he did ask if I would like to file a claim, once I did through cash app they denied it, so I tried to go through XXXX  XXXX XXXX and they denied it. I been with the bank for over 20 years and never did anything to lie or defraud anyone. This has been an headache. I even reopened the claim and sent in the proof to XXXX XXXX XXXX which are the screenshots. Still it was denied. Im trying to figure out what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC
State: GA

Complaint narrative:
This debt is for XXXX  XXXX XXXX I called the collection agency explained to them and that is not my debt that my daughter was over the age of XXXX in high school actually she was at the age of XXXX and sign her own contract and I am not responsible. I asked for verification they sent me a form that was printed XX/XX/XXXX that they made up they then sent me a school contract from XXXX when I called back and explain to them that this is for the XXXX XXXX contract that I did not sign because the school has a stance of a child is over XXXX XXXX XXXX they can not give out any information nor does Parent have to sign anything for that child to attend school. I have made this clear to them. They claim they have investigated. They see she is over the age of XXXX that I did not sign a contract in XXXX, but they still verified this information to you.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This credit card was stolen from me in California and I advise that to the company at the time and they didnt want to help me sent the card to collection I only owe XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IA

Complaint narrative:
I use chime banking and I was offered what they call a my pay account in which I got involved with well as fast as I could get in trouble with money I have maxed it out for several months but they take the total amount I borrowed for expenses that were absolutely needed to be taken care of I'm in a bad situation with money to get to the point they are taking the total amount of XXXX XXXX dollars out of my direct deposit which means every month I start out completely lost with my finances that I have to take care of I know that I owe them but can't afford to be giving out XXXX XXXX dollars on the first day of my direct deposit help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-12-04 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: TX

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 2025-12-04 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year>

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 2025-12-04 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: Experian Information Solutions Inc.
State: NC

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 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 2025-12-04 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: CA

Complaint narrative:
I found several negative accounts and hard inquiries on my credit reports that are being reported inaccurately, inconsistently, and without the proper validation required under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The charge-offs from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX all contain conflicting delinquency codes, missing data, and balance progressions that do not match standard credit reporting guidelines. None of these furnishers provided the original signed contracts, payment histories, charge-off calculations, itemized statements, or verified dates of first delinquency. I also discovered collections reporting from XXXX XXXX  and XXXX XXXX XXXX that lack validation, assignment records, and proof of liability. In addition, there are multiple hard inquiries from auto lenders, XXXX XXXX, and others that I did not authorize. My disputes to the credit bureaus and the furnishers resulted in verified responses even though no documentation was supplied. These inaccuracies have harmed my credit, inflated my risk profile, and have affected my ability to obtain credit fairly.

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 2025-12-04 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief