vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
On XX/XX/year>, the XXXX XXXX placed a {$400.00} authorization hold on my Cash App Cash Card. The actual final charge was only {$31.00}, and the merchant released the authorization. I also received a {$14.00} refund from the same merchant on the same day that the authorization was released, which shows the hotel has the functionality to release the funds. 

Despite this, Cash App has failed to release the {$400.00} hold. This is not a merchant issue the merchant has confirmed they released it. Cash App is holding funds beyond their stated 110 business day timeline. 


Cash app is now claiming that the funds will be withheld until XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint against Experian for willfully reporting and maintaining inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is XXXX XXXX Account # XXXXXXXX XXXX XXXX. 

Experian is the only bureau reporting this account. It does not appear on XXXX or XXXX which makes Experians reporting inconsistent, unreliable, and inaccurate. 

Specific issues : XXXX. Inconsistent Reporting Across Bureaus If this account were valid and accurate, it would appear on all three bureaus. Its presence only on Experian demonstrates a clear failure of Experian to ensure accuracy, violating FCRA XXXX ( b ). 
XXXX. Contradictory Status Reporting Experian lists the account as both Collection/Charge-off and still Past Due with a balance of {$190.00}. A charge-off means the account is closed and no past due balance should exist. This contradiction makes the reporting false and misleading, violating FCRA XXXX. 
XXXX. Re-Aging of Debt The Date of Last Payment is listed as XX/XX/XXXX, but Experian shows the account updated as derogatory on XX/XX/XXXX. This is an attempt to re-age the account, which is strictly prohibited under FCRA XXXX ( c ). 
XXXX. Failure to Verify Ownership Experians comments say : Unpaid balance reported as a loss by the credit grantor. If XXXX wrote off this account as a loss, Experian must provide proof of ownership or assignment. Without proof, reporting an active balance is inaccurate and misleading. 

Requested Resolution : I am demanding the immediate deletion of this XXXX XXXX account from my Experian credit report, as Experian has failed to ensure maximum possible accuracy and is reporting false, misleading, and unverifiable information in violation of the FCRA. 

If this is not resolved, I will escalate further for damages under FCRA XXXX and 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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander Consumer USA finance company has wrongly reported a XXXX late payment on my credit report. They claimed that I was late on XX/XX/year> but that is completely incorrect because I have proof of that I made a payment on XX/XX/year>. 
Theres also inaccurate information on the credit bureaus. For example XXXX  shows I have no late payment on this account and that everything was paid as agreed which is the complete truth. XXXX  and XXXX  are showing different and inaccurate reports too. Please delete this one late payment from my credit report because I was never late and the information coming from Santander is completely incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : UNAUTHORIZED COLLECTION- Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$140.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
When I look at detail about why our FICO score goes down or does not increase, I am told we need to reduce our useage of our credit cards to 10 % or less of available credit. We use our credit cards for everything and we pay them off completely every month. Yes, we exceed 10 % but why should that matter if we pay them off in full each month. Please let me know why this is important and happening. Thank you, 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 2025-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF EDUCATION/XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF EDUCATIONXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I sent two certified letters ( XX/XX/XXXX and XX/XX/year> ) to The XXXX XXXX XXXX XXXX  XXXX XXXX requesting validation of a {$750.00} account and a copy of the original signed agreement. USPS records confirm delivery, yet the company has not responded. Despite this, they continue to report the account negatively to the credit bureaus.

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 2025-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
am a confirmed victim of identity theft with an FTC Identity Theft Report ( Report # XXXX, dated XX/XX/year> ). A fraudulent collection account from Harris & Harris for {$560.00}, allegedly from XXXX XXXX in XXXX XXXX, has appeared on my credit reports. 

I have never lived at the address associated with this debt and have no relationship with XXXX XXXX. My personal information, including my XXXX, was used without my permission by a former roommate. After committing this fraud, that individual left the country. This incident is already documented in my FTC Identity Theft Report, which shows a pattern of ongoing identity theft against me. 

I have already disputed this account with XXXX  and XXXX, but it has not yet been removed. Under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting that this fraudulent collection account be deleted immediately.

Supporting documentation ( FTC Identity Theft Report, proof of residence in North Carolina, and screenshots of the account reporting ) is attached. Please investigate and permanently remove this account from my credit file and instruct Harris & Harris to cease reporting this fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: CA

Complaint narrative:
Fraudulent Account Dispute & Cease Communication Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX DOB XX/XX/XXXX Ss # XXXX XXXX XX/XX/XXXX Bull City Financial Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Phone : XXXX XXXX ) XXXX Subject : Formal Dispute and Demand for Deletion of Fraudulent Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX Amount Reported : {$310.00} To Whom It May Concern, I am contacting you regarding the above-referenced account, which is being reported under my name and Social Security number. This letter serves as formal notice that this account is fraudulent and the result of identity theft. I have never opened nor authorized any account with XXXX XXXX or Bull City Financial Solutions. 

I previously submitted an FTC Identity Theft Report ( Fraud Affidavit ) to the credit reporting agencies, and this account was included in that report. Pursuant to 15 U.S.C. XXXX ( FCRA XXXX ) and 15 U.S.C. XXXX ( FDCPA ), you are required to : XXXX. Cease all collection activity immediately. 
XXXX. Remove and permanently delete this account from any and all consumer reporting agencies. 
XXXX. Provide written confirmation that the account has been deleted and will not be sold or reassigned. 

Reporting or attempting to collect a debt you know or should know is fraudulent constitutes a violation of FDCPA XXXX ( 15 U.S.C. XXXX ) and may result in legal action for damages under 15 U.S.C. XXXX. Furthermore, the continued furnishing of inaccurate information to consumer reporting agencies violates FCRA XXXX ( 15 U.S.C. XXXX ). 

Please note the following : I have filed a report with the Federal Trade Commission and local law enforcement. 
I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office for any non-compliance. 

Demand : Immediate removal of this fraudulent account from all credit reporting agencies. 
Written confirmation within XXXX business days that this account has been deleted and will not be sold or reassigned. 

Failure to comply will result in legal action to enforce my rights under the FCRA and FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. CXXXXe XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. CXXXXe $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. CXXXXe XXXX Section XXXX  ( XXXX ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( XXXX ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. CXXXXe XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. CXXXXe $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. CXXXXe XXXX Section XXXX  ( XXXX ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( XXXX ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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