vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by Experian Information Solutions Inc . This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. 
Details of the Account in Dispute Account Number : XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score.

2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by Experian Information Solutions Inc which further underscores the lack of accuracy and FCRA compliance.

References to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information.

Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question.

Johnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA.

These cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a formal complaint against Square , Inc. for withholding {$37000.00} in funds from my small business and closing my account without a clear explanation or resolution. 

I operate an equipment supply company, and this payment represents essential cash flow that is critical to my businesss daily operations. The loss of access to these funds will cause severe financial hardship. 

On XX/XX/XXXX, my business processed a legitimate {$37000.00} payment through Square. Shortly afterward, Square notified me that my account was being closed and that the funds would be held for XXXX days. No specific reason has been provided for either the hold or the closure. 

I have contacted Square multiple times requesting clarification, documentation requirements, and a release timeline. Unfortunately, I have only received automated or generic responses that do not address the issue. 

I respectfully request that the CFPB assist in mediating this matter and ask Square to : Provide a clear written explanation for the account closure and XXXX hold, Specify the exact timeline or conditions for the release of funds, and Expedite the review and release of the {$37000.00} payment. 

This was a legitimate transaction, and I can provide all supporting documentation as needed. Thank you for your time and assistance in helping ensure small businesses like mine are treated fairly. 

Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-30 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I am also disputing inaccurate information on my TransUnion report. 

Charged-Off Accounts in Dispute ( TransUnion ) XXXX XXXX Account # XXXX, Reported XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX Account # XXXX, Reported XX/XX/XXXX, Balance : {$0.00} These accounts contain outdated or unverifiable information. I request a reinvestigation and deletion of any unverified data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: SC

Complaint narrative:
I am filing this complaint because [ Experian XXXX XXXX XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-30 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
On XX/XX/year>, Halsted Financial Services, LLCa third-party debt collectorsent me a harassing text message and follow-up email attempting to collect an alleged {$1300.00} " very old '' charged-off debt originally from XXXX XXXX XXXX XXXX. ( now owned by XXXX XXXX XXXX ). I dispute this debt in full, as I've never received proper validation despite prior requests. 

The text stated : " If we are unable to resolve this, we must return the account to the current creditor for review to see if it meets their criteria for referral to a law firm in your state ... '' The email, titled " PRE-LEGAL NOTIFICATION, '' escalated : " Halsted is obligated to return this account to the creditor ... [ it ] will be reviewed ... for referral to a law firm in your state. '' These are false threats to sue for very old debt under FDCPA 1692e ( 5 ) : The debt was sold non-recourse years ago, so prior creditors have no right to " return '' or pursue legal action. This implied imminent lawsuits to coerce payment without proof, causing me XXXX XXXX XXXX XXXX XXXX XXXX amid my ongoing credit repair efforts. 

I immediately replied " STOP '' to the text and sent a certified demand letter on XX/XX/year>, requesting full validation and demanding {$1500.00} in statutory damages ( {$1000.00} per violation ). Halsted has ignored prior outreach and continues unverified harassment, violating FDCPA 1692e and 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
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 greater ( 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 XXXXXX/XX/year> - the inquiry was not authorized. 
XXXX XXXX - XX/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 2025-10-30 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: MD

Complaint narrative:
Bankruptcy, XXXX, XXXX Reported : XX/XX/XXXX, Balance : {$0.00} Bankruptcy, XXXX, Date Reported : XX/XX/XXXX, Balance : {$0.00} Dispute Reason & Resolution Request : I am disputing these bankruptcy accounts as they may not be reported correctly. The accounts are showing as discharged with a balance of {$0.00}, but the information may be incorrectly listed or outdated. I request that you verify the accuracy of these bankruptcy filings with the appropriate court or creditors. If the accounts can not be verified or are inaccurately reported, I request that they be removed from my credit report. Please provide a written confirmation of your investigation and any actions taken. 

Inquiries : AMERICREDI, Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-10-30 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-10-30 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: ID

Complaint narrative:
I am reporting multiple accounts appearing on my credit file that clearly belong to someone else and have been improperly mixed with my personal information. I never opened, authorized, or managed these accounts, yet they are being reported under my name, creating a false and damaging representation of my financial history. This misassociation is unacceptable, raises serious concerns about how my file is being maintained, and is causing me significant distress given how closely I monitor my credit. I require a full explanation of how these third-party accounts became linked to my identity and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a prepaid XXXX gift card from XXXX in XXXX XXXX on XX/XX/year> for {$200.00}. 

The card remained in the packaging until XX/XX/XXXX when attempting to use it for an instore purchase. The payment was denied for insufficient funds. 

Per Incomm Payments, the company that issued the XXXX XXXX XXXX, there were XXXX purchases for {$100.00} each at XXXX in XXXX XXXX and XXXX, California on XX/XX/year>. I submitted a dispute with Incomm as I did not use this card for these purchases. The representative asked me to confirm multiple times that I did not make these purchases or that a family member did not steal the card to make them. XXXX XXXX and XXXX are XXXX hours from XXXX XXXX. I explained that there was no possibility that the card was in either of these cities on XX/XX/year>. The representative was rude and accused me of either lying or being misinformed about the whereabouts of the card. 

Incomm supposedly investigated my claim and denied my request for refund. XXXX  XXXX There was no evidence of the card being tampered when it was purchased. The card was in sealed, paperboard packaging with the security barcode in tact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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