vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: AL

Complaint narrative:
What happened : On XXXX XXXX XXXX, I stayed at XXXX by XXXX XXXX XXXX ( XXXX, VA ). The hotel placed a {$510.00} hold ( {$100.00} deposit ). At checkout, the hotel confirmed they released the funds and gave me a {$0.00} balance folio and release reference number ( XXXX ). 

Despite this, Cash App ( XXXX XXXX XXXX ) continues to hold my money for up to 30 days. I requested an explanation and release date, but Cash App did not provide this information. This delay was never disclosed, is unreasonable, and has caused financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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 noticed some unauthorized accounts while reviewing my credit profile with my lawyer and i was notified that I have been directly affected by the Equifax data breach and possibly the XXXX breach. Please remove and prevent these accounts from reporting to my profile according to FCRA 605B. This is my written notice before further legal action.

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 2025-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent this collection agency ( XXXX XXXX XXXX XXXX ) a certified debt verification request letter. The first debt verification letter they sent me was insufficient so I sent a more detailed letter of what I exactly need to see. Exercising my rights. In return I received a threating letter saying they are preparing to sue me under California code of civil procedure section XXXX XXXX XXXX XXXX XXXX XXXX XXXX .this will stress you out!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against BLACKWELL RECOVERY, a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( 2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. BLACKWELL RECOVERY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
This is a follow up to a previous complaint for CitiBank. THEY DID IT AGAIN!!!!!!!!! 

LOOK AT CASE # XXXX. 

After I went through this, and with no help from the XXXX with predatory interest and late fees after I paid off my card in full the first time, I was forced to pay the phantom late fees and interest charges. On top of that THEY XXXX  MY CREDIT. 

I went into the online portal. Paid off my account IN FULL. Balance was 0. Days later, they CHARGED ME INTEREST ON 0 BALANCE. 

After I paid it off in full, I canceled my credit card Because I want nothing to do with this predatory bank. But I did not want to cancel the account if full because i know that ding my credit as well which was already made terrible by CitiBank. 

YET THEY STILL CHARGED ME A PHANTOM INTEREST CHARGE, AND THUS I WAS " LATE '' with payment again because I thought there was NO POSSIBLE way there could be any charges with a brand new card that was never even activated. 

My credit score was fantastic before banking with Citi! I don't have this issue with any other credit cards! NOW IT '' XXXX XXXX BECAUSE OF THEM! I worked SO HARD to have good credit. IT'S NOT RIGHT!!!!!! 

What is CFPB going to do? Do you ever protect consumers?

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
GREETINGS I APPRECIATE YOUR ATTENTION TO THIS MATTER MY NAME IS XXXX XXXX. I HAVE SOME UNFORTUNATE NEWS I HAVE BEEN NOTIFIED I AM A VICTIM OF THE EQUIFAX DATA BREACH WHICH HAS RESULTED IN THE THEFT OF MY IDENTITY I AM SEEKING GUIDANCE PLEASE. I SEEK THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA SECTION 605B ( 15 U.S.C. 1681-c2 ). AS AN INDIVIDUAL IMPACTED BY IDENTITY THEFT, I AM ENTITLED TO REQUEST THE REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY CREDIT REPORT THANK YOU. This regulation mandates that credit. Here is the item I am asking you to verify as accurate : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have my payments set up automatically and still got charged late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I been paying a debt of XXXX fir over a year thinking I was almost done called to see my balance was the same I called asked if the could explain to me why bill has not lowered es you XXXX payment only XXXX & is going to your payment rest is interest charges plus insurance plus things I never requested I been asking them fix bill reduce all those interest they wont Im Not paying them they ripping me off as whole year help me file a complaint

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 2025-09-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am formally disputing the accuracy of the information being reported under my name and Social Security number in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The following account ( s ) are inaccurate and must be investigated and removed immediately : Creditor/Debt Collector Name : XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$11000.00} This account is being inaccurately reported and is causing harm to my credit profile. I request that you conduct a reasonable investigation into this matter and provide written proof of the alleged debt, including original documentation with my signature. If such documentation can not be produced, you must delete this account from my credit report as required by law. 

Furthermore, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), you are hereby instructed to cease and desist all communication with me regarding this account, except to provide written notice of your compliance with this request or to inform me of legal action you may intend to pursue. 

Failure to comply with these requests will leave me no choice but to pursue further remedies available to me under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals office, and considering legal action. 

Please confirm in writing within 30 days that this account has been removed from my credit reports and that all collection activity has ceased. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/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 2025-09-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My phone got snatched on XX/XX/year> and the thieves sent themselves {$1500.00} on PayPal by resetting my password using SMS verification. I did not even have the funds to cover it, so PayPal froze the transaction, but after I called in they told me that the transaction is irreversible and that I have to put money in or else my balance will go negative. Sure enough after about a little less than a week PayPal made my balance negative instead of refunding me and reversing the charges. I have sent PayPal the police report case number, the police report itself, the pictures of the thieves, and the location of my phone after it was stolen. PayPal keeps closing my case and ruling in favor of the " seller ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that this account be deleted TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX utility bill can not legally be reported as an Installment account. This is a factual misrepresentation under FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ).

DELETE FROM CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 
XXXX. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 
FURTHERMORE, I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARGED. 
WITHOUT PREJUDICE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2025, my phone was stolen in XXXX and the thieves accessed my Barclays account through the XXXX. I contacted Barclays immediately to freeze my account, as well as contacted all three of the credit bureaus to active a credit freeze. Barclays allowed the thieves to open up XXXX credit cards after my account was frozen. I have had numerous phone conversations and written letters to them regarding offsetting the fraudulent charges and closing these accounts. Their fraud reps have stated accounts have been closed yet they have not done such and are violating their mission statement by reporting me as delinquent to all XXXX credit bureaus while they investigate this claim. They state on their statement that they can not report me while under investigation yet they continue to do so. This adverse information is affecting my credit history. The thieves also changed my email address & phone number and Barclays will not update the information. Any assistance you can provide to help me resolve this situation would be greatly appreciated

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 2025-09-19 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:
This review gives a false sense of my financial priorities.

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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MS

Complaint narrative:
Product/Service : Mobile wallet / money transfer What Happened : On XX/XX/year>, I attempted to transfer {$980.00} using Cash App. The transfer failed and my account was placed on a security hold. I have contacted Cash App Support multiple times ( case/ticket numbers if available ) and provided the requested identity verification, but my account has remained locked for over two weeks with no resolution or explanation.

Desired Resolution : I request that Cash App ( Block, Inc. ) ( 1 ) release the hold and allow full access to my account and funds, or ( 2 ) provide a clear written explanation and timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint against Experian for continuing to report a XXXX  XXXX bankruptcy ( filed XX/XX/year>, US Bankruptcy Court, IL Benton ) that has already been deleted by XXXX  and XXXX  after their reinvestigations. 

Experian previously verified the bankruptcy as accurate. However, the other two nationwide credit reporting agencies have now removed this same public record, which proves the information is not verifiable and is being reported inconsistently.

This creates a material inaccuracy and misleads creditors, which is a violation of the Fair Credit Reporting Act, specifically : FCRA 607 ( b ) : Duty to follow reasonable procedures to assure maximum possible accuracy. 
FCRA 611 : Right to dispute and reinvestigation.

I request that the CFPB require Experian to : 1. Immediately remove the bankruptcy from my credit report.

2. Provide me written confirmation of its deletion. 

Attachments included : Current XXXX  credit report ( showing no bankruptcy ) Current XXXX  credit report ( showing no bankruptcy ) Current Experian report ( still showing bankruptcy ) CFPB complaint record with XXXX  ( showing deletion after 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 2025-09-19 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: WI

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

XXXX XXXX  XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX {$0.00}

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 2025-09-19 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: GA

Complaint narrative:
Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft. The following information has been fraudulently attributed to me and must be removed without delay : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX CARD Account Number : XXXX Company or Organization : XXXX  XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX  XXXX Account Number : XXXX In accordance with federal law, you are required to block this information within four business days of receiving : Proof of my identity ( enclosed : government-issued ID and utility bill ) A copy of my identity theft report ( enclosed : police report or FTC affidavit ) Identification of the fraudulent information My sworn statement that this information does not relate to any transaction I made You are also required to notify the furnisher of this information that a block has been requested and that the data may be the result of identity theft. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office. I will also pursue civil litigation for damages resulting from your failure to uphold federal law. This is not a request it is a demand backed by statute. I expect written confirmation of the block and a corrected credit report within 10 calendar days.

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