vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I initiated a {$200.00} domestic transfer within my Cash App account in order to make a scheduled car insurance payment. I am both the sender and the recipient of the transaction. The transfer was entirely domestic and did not involve any foreign individuals, entities, or jurisdictions. 

Shortly afterward, the payment was placed on hold by Cash App due to the word XXXX appearing in the payment note. I did not enter this word into the transaction. Cash App requested that I explain the purpose of the payment and my relationship to the recipient, which I promptly did, explaining that the transfer was between my own accounts to ensure payment of an essential expense while banks were closed for the XXXX holiday. 

After providing the requested information, I was informed that the transaction was under sanctions-related review with no clear timeframe for resolution. When I contacted Cash App customer support and requested that the funds be released or, alternatively, reversed to the original funding source, I was advised to contact my bank. My bank confirmed that it has no ability to reverse or intervene in a transaction pending within Cash App. 

As of the date of this complaint, the funds remain inaccessible. I have received conflicting guidance, no clear resolution timeline, and no explanation as to how the payment note was populated. The hold has caused financial stress, as the funds were intended for an essential car insurance payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
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  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-12-29 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following charged-off accounts that are inaccurately reported on my credit reports by the XXXX major credit bureaus. The information provided below is my attempt to rectify the inaccuracies on my credit report. I request that the respective credit bureaus investigate these entries and remove or correct the erroneous information. 

The following accounts are inaccurately reported as charged-off, and I request their investigation : 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 2025-12-29 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: AL

Complaint narrative:
I am writing to dispute certain accounts and inquiries on my credit report. I believe these entries are inaccurate and need to be investigated. Please find the details of the disputed accounts below. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : 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 2025-12-29 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 writing to dispute the following inquiry listed on my credit report. According to my records, I believe the inquiry below is inaccurate or unauthorized. Please investigate and remove this inquiry from my credit file. 

XXXX XXXX XXXX XXXXXX/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 2025-12-29 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: Global Lending Services LLC
State: IL

Complaint narrative:
I am writing to formally escalate my dispute regarding inaccurate credit reporting, improper assessment of late fees, and account mismanagement associated with the above-referenced auto loan. 

On XX/XX/year>, Global Lending Services approved and processed a two-payment extension to my XXXX XXXX  Contract. This extension explicitly established my next payment due date as XX/XX/year>, and provided that no additional late charges would accrue during the extension period. 

Despite this approved extension, GLS has : Furnished negative credit reporting during and after the extension period Assessed late fees and past-due balances inconsistent with the extension terms Failed to timely post a payment that I submitted and received confirmation for, resulting in additional penalties through no fault of my own Importantly, this is not my first notice to GLS. On XX/XX/year>, I submitted a formal written dispute challenging inaccurate reporting to XXXX XXXX XXXX XXXX Despite this notice, GLS continued to furnish inaccurate information and apply additional charges. 

GLSs continued reporting of inaccurate information after receiving formal notice raises serious concerns regarding compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the duty to conduct a reasonable investigation and ensure maximum possible accuracy. 

Further compounding this issue, my account activity occurred during a period impacted by the federal government shutdown, which disrupted processing timelines and financial operations beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
I am disputing the following accounts on my Experian report, as they are inaccurately reported : Charged Off : 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 2025-12-29 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: OH

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
Consumer complaint received 2025-12-29 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: OH

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 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 2025-12-29 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy of certain items reported on my credit file. Below are the accounts I believe to be inaccurate, and I request an investigation into each of these accounts. I have listed the details for each bureau separately. 

Charged Off 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 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 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 2025-12-29 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off 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

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Someone came to my home at XXXX XXXX XXXX XXXX harassing my husband and myself looking for someone that has been using or address. The was aggressive and I assume trying to serve some paperwork. They was screaming and yelling out of their mind and we are elderly. Next time we will be using force to remove them from the property. What ever law firm or serving agent they are using needs to be have their license taken banging on the door in these times will get themselve shot or more. Please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
I am writing to formally escalate my dispute regarding inaccurate credit reporting, improper assessment of late fees, and account mismanagement associated with the above-referenced auto loan. 

On XX/XX/year>, XXXX XXXX XXXX approved and processed a two-payment extension to my XXXX XXXX  Contract. This extension explicitly established my next payment due date as XX/XX/year>, and provided that no additional late charges would accrue during the extension period. 

Despite this approved extension, XXXX has : Furnished negative credit reporting during and after the extension period Assessed late fees and past-due balances inconsistent with the extension terms Failed to timely post a payment that I submitted and received confirmation for, resulting in additional penalties through no fault of my own Importantly, this is not my first notice to XXXX. On XX/XX/year>, I submitted a formal written dispute challenging inaccurate reporting to XXXX XXXX XXXX Experian. Despite this notice, XXXX continued to furnish inaccurate information and apply additional charges. 

XXXX  continued reporting of inaccurate information after receiving formal notice raises serious concerns regarding compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the duty to conduct a reasonable investigation and ensure maximum possible accuracy. 

Further compounding this issue, my account activity occurred during a period impacted by the federal government shutdown, which disrupted processing timelines and financial operations beyond my control.

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 2025-12-29 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: IL

Complaint narrative:
I am writing to formally escalate my dispute regarding inaccurate credit reporting, improper assessment of late fees, and account mismanagement associated with the above-referenced auto loan. 

On XX/XX/year>, XXXX XXXX XXXX approved and processed a two-payment extension to my XXXX XXXX Contract. This extension explicitly established my next payment due date as XX/XX/year>, and provided that no additional late charges would accrue during the extension period. 

Despite this approved extension, XXXX has : Furnished negative credit reporting during and after the extension period Assessed late fees and past-due balances inconsistent with the extension terms Failed to timely post a payment that I submitted and received confirmation for, resulting in additional penalties through no fault of my own Importantly, this is not my first notice to XXXX. On XX/XX/year>, I submitted a formal written dispute challenging inaccurate reporting to XXXX  EquifaxXXXX XXXX XXXX. Despite this notice, XXXX continued to furnish inaccurate information and apply additional charges. 

XXXX  continued reporting of inaccurate information after receiving formal notice raises serious concerns regarding compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the duty to conduct a reasonable investigation and ensure maximum possible accuracy. 

Further compounding this issue, my account activity occurred during a period impacted by the federal government shutdown, which disrupted processing timelines and financial operations beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation