vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am writing this because my Cash App account, which I have had since XXXX, was recently deactivated by the system.I have a business account and my transactions are for my business, including purchases from XXXX for furniture, supplies, and food for my workers.I want my account reinstatedThe account was flagged due to a legitimate dispute regarding a transaction.At no point have I engaged in fraudulent activity or broken any terms of service since having the account.My account was deactivated by the system, which I believe was AI driven and I did not approve any automated closure of my account.I respectfully request a manual review of my account and reinstatement.I can assure you I will continue to use the account responsibly and in compliance with Cash Apps policies and regulations.Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am submitting this complaint to request the correction of several inaccurate entries being reported on my credit file. I take pride in maintaining responsibility over my financial obligations, and it is concerning to see late payment notations that do not accurately represent my payment history. The discrepancies Ive identified appear to be the result of misreporting or failure to update information during periods of communication with my creditors. 
One significant concern involves my mortgage account with XXXX XXXX XXXX XXXX, opened in XX/XX/XXXX with a balance of approximately {$970000.00}. The account currently reflects late payments reported as 30 days late between XXXX and XXXX XXXX 60 days late during XXXX and XXXX XXXX, 90 days late in XXXX XXXX 120 days late through XXXX and XX/XX/XXXX, and 150 days late between XXXX and XX/XX/XXXX, along with additional late entries in XXXX, XXXX, XXXX, and XX/XX/XXXX. These reports are inaccurate, as I was actively communicating with your office regarding a hardship adjustment during that time, and payments were being managed under that arrangement. 
Furthermore my XXXX XXXX XXXX account, opened in XX/XX/XXXX, shows incorrect late entries of 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, despite payments being made within the grace period. 
In addition, my XXXX account XXXX opened in XX/XX/XXXX, reflects 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, while other bureaus list this same account as closed with no delinquencies. Likewise, my XXXX  account, opened in XX/XX/XXXX, with a XXXX balance, is showing 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, even though other bureaus report it as closed and never late. 
These discrepancies appear to violate several provisions under the Fair Credit Reporting Act ( FCRA ). Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must ensure that all data provided to any consumer reporting agency is accurate and complete. Reporting accounts as open and delinquent when they are, in fact, closed or current in other systems creates an inaccurate and misleading record. Additionally, FCRA 623 ( b ) requires furnishers, upon notice of dispute, to investigate the accuracy of information and promptly correct or update it as necessary.

The FCRA 607 ( b ) standard further reinforces that all consumer information must be maintained with maximum possible accuracy, which is not being met when inconsistent or outdated data continues to appear. If any of these late payments are being reported beyond the allowable time frame, that would also fall under FCRA 605 ( a ) regarding obsolete information.

Therefore,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to request the correction of several inaccurate entries being reported on my credit file. I take pride in maintaining responsibility over my financial obligations, and it is concerning to see late payment notations that do not accurately represent my payment history. The discrepancies Ive identified appear to be the result of misreporting or failure to update information during periods of communication with my creditors. 
One significant concern involves my mortgage account with XXXX XXXX XXXX XXXX, opened in XX/XX/XXXX with a balance of approximately {$970000.00}. The account currently reflects late payments reported as 30 days late between XXXX and XXXX XXXX 60 days late during XXXX and XXXX XXXX, 90 days late in XXXX XXXX 120 days late through XXXX and XX/XX/XXXX, and 150 days late between XXXX and XX/XX/XXXX, along with additional late entries in XXXX, XXXX, XXXX, and XX/XX/XXXX. These reports are inaccurate, as I was actively communicating with your office regarding a hardship adjustment during that time, and payments were being managed under that arrangement. 
Furthermore my XXXX XXXX XXXX account, opened in XX/XX/XXXX, shows incorrect late entries of 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, despite payments being made within the grace period. 
In addition, my XXXX account XXXX opened in XX/XX/XXXX, reflects 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, while other bureaus list this same account as closed with no delinquencies. Likewise, my XXXX  account, opened in XX/XX/XXXX, with a XXXX balance, is showing 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, even though other bureaus report it as closed and never late. 
These discrepancies appear to violate several provisions under the Fair Credit Reporting Act ( FCRA ). Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must ensure that all data provided to any consumer reporting agency is accurate and complete. Reporting accounts as open and delinquent when they are, in fact, closed or current in other systems creates an inaccurate and misleading record. Additionally, FCRA 623 ( b ) requires furnishers, upon notice of dispute, to investigate the accuracy of information and promptly correct or update it as necessary.

The FCRA 607 ( b ) standard further reinforces that all consumer information must be maintained with maximum possible accuracy, which is not being met when inconsistent or outdated data continues to appear. If any of these late payments are being reported beyond the allowable time frame, that would also fall under FCRA 605 ( a ) regarding obsolete information.

Therefore,

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 2025-10-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Complaint Summary : I am filing this complaint because Care Credit credit company has denied my refund request for a fraudulent transaction in the amount of {$3000.00} charged by XXXX XXXX XXXX XXXX on XX/XX/XXXX for a non-surgical facelift. 
I filed a dispute promptly after identifying the charge, in accordance with the Fair Credit Billing Act ( FCBA ) and my card issuers policies. Despite this, the credit card company denied my full refund request and closed the dispute, even though the merchant did not provide the services that were paid for. 
The merchant issued only a partial refund of {$1200.00}, leaving an outstanding balance of {$1800.00} that I am still being held responsible for. I have repeatedly explained to both the merchant and the credit card company that the services were never delivered, and that I am entitled to a full refund under applicable consumer protection laws. 

Details of the Issue : 1. The charge of {$3000.00} was for services that were NOT rendered. I cancelled the series of six ( 6 ) appointments or treatments on XX/XX/XXXX. The merchant informed me that a full refund will be made if it gets cancelled ahead of time and for the reason that my doctor did not approve the facial treatments. The first scheduled treatment was supposed to be on XX/XX/XXXX. 

2. I reported the dispute immediately within the allowed timeframe. The merchant had blocked my phone number and did not return my messages sent from their website when I requested a full refund.

3. The merchant did not provide any of the services scheduled and only refunded {$1200.00}. 

4. The credit card company closed the dispute without sufficient justification and refused to issue a chargeback for the remaining {$1800.00}. 

5. Merchant lied to Care Credit stating 4 appointments were completed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, out of 6 scheduled appointments ; no treatments were done as I never went to their office for the scheduled appointment. I was at work on XX/XX/XXXX, and 16 during the times the merchant claimed I went to their office. 

6. On XX/XX/XXXX, I was at the merchants office availing of their promotion of {$49.00} for non-surgical facelift and was paid separately via XXXX debit card.

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 monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a new checking account on XX/XX/year> with Truist Bank and deposited a personal check written to me that day. I was told there would be a 7 day hold on the check. The check amount was {$6000.00} so I expected a hold. They closed my account the next day without any indication and have not released my funds to me stating they need a letter from the issuing bank that the check will not return. They said they need a letter from the issuing bank that the check will not return and that it was written to me by the individual who wrote it. The funds cleared from XXXX ( the issuing bank ) on XX/XX/year> and still I have not been able to get my money. The bank is not being helpful, they keep telling me the analyst is waiting for a letter. They are refusing to write the letter saying this is not something they have ever heard of and are appalled that the money cleared from their bank and still not been provided to me. I asked Truist to call the issuing bank but they refuse. Im at a loss. I just need my money from Truist and I will never bank with them and will tell anybody who asks how awful they have been to deal with.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : 1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Date : XX/XX/XXXX, Amount used : {$200.00} Claimed a fraud dispute. Company warned with an alert of unusual activity but processed to run it without my permission. Stating the card chip was read and I typed a PIN number or signed into merchandise payment system. 

I deny it because I was getting ready for XXXX  for that time was also in other city then headed to XXXX  with my electric car. I do not use a gasoline card and I do not permit anyone else to use my credit card.

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 monetary relief
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am submitting this complaint to formally dispute several accounts and inquiries appearing on my credit report that I believe are being reported inaccurately and unfairly. My intention is to ensure that all information listed under my name reflects complete accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). 
After carefully reviewing my report, I discovered that my XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX accounts are each reported as charge-offs with a {$0.00} balance owed. Reporting a charge-off with no remaining balance is misleading because it falsely implies there is still a negative financial obligation, even though the debts have already been satisfied, forgiven, or settled. Under FCRA 602 ( a ) and 607 ( b ), consumer reporting agencies are required to maintain the maximum possible accuracy of all information. Continuing to list these as charge-offs misrepresents my creditworthiness and violates these provisions.

Furthermore, if these accounts are no longer collectible, their continued reporting as derogatory may also be considered obsolete information under FCRA 605 ( a ). I request that these accounts be verified for accuracy or permanently deleted if verification can not be completed. 
Additionally, XXXX of my XXXX XXXX XXXXXXXX accounts still reflects a balance of {$5600.00}, even though the creditor previously issued a Form XXXX for cancellation of debt. Once a debt has been cancelled and reported to the IRS, it can not continue to be treated as an active charge-off. Maintaining this account in such a status violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know to be inaccurate.I have also noticed multiple inquiries from institutions such as AN # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX  that appear to lack a clear permissible purpose. Under FCRA 604 ( a ) ( 3 ), no entity may access a consumers report without explicit consent or a legitimate business reason. If these entities can not verify the authorization for these inquiries, I respectfully request their immediate removal. In accordance with FCRA 611 ( a ) ( 1 ) ( A ),

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am submitting this complaint to correct this account in question is my XXXX  XXXX account ( XXXX * * * * ) * *, which shows a {$0.00} balance, with a Date of Last Activity on XX/XX/XXXX, Date Reported as XX/XX/XXXX, and Date Opened on XX/XX/XXXX. This account remains open and current, and I request that this information be reviewed and confirmed to reflect that the account is open with a current payment status and no balance owed. However, in some other credit reports, this same account appears as closed, which creates conflicting data that must be reconciled for accuracy. 
The second account is my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * *, which also reflects a {$0.00} balance, with a Date of Last Activity on XX/XX/XXXX, Date Reported as XX/XX/XXXX, and Date Opened on XX/XX/XXXX. Records indicate previous late payments during XXXX, including XXXX  days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX  days late in XXXX XXXX, XXXX  days late in XXXX XXXX, XXXX  days late in XXXX XXXX, XXXX  days late in XX/XX/XXXX, and XXXX  days late from XXXX through XX/XX/XXXX. While these delays did occur, the account has since been brought current and remains open on some reports but is reflected as closed in others. This inconsistency creates a misleading representation of my financial activity and should be corrected to ensure it accurately shows as open with prior late activity. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], all information reported on a consumer must be held to the standard of maximum possible accuracy. Reporting the same account as both closed and open, or maintaining late payment data that is not aligned with verified account records, does not meet that standard. Additionally, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] grants the right to request verification and correction of any information that may be incomplete or inaccurate. I am exercising that right and asking for review not deletion so that the information remains factual and complete.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] requires furnishers to avoid reporting data they know, or have reasonable cause to believe, is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to correct this account in question is my XXXX  XXXX account ( XXXX * * * * ) * *, which shows a {$0.00} balance, with a Date of Last Activity on XX/XX/XXXX, Date Reported as XX/XX/XXXX, and Date Opened on XX/XX/XXXX. This account remains open and current, and I request that this information be reviewed and confirmed to reflect that the account is open with a current payment status and no balance owed. However, in some other credit reports, this same account appears as closed, which creates conflicting data that must be reconciled for accuracy. 
The second account is my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * *, which also reflects a {$0.00} balance, with a Date of Last Activity on XX/XX/XXXX, Date Reported as XX/XX/XXXX, and Date Opened on XX/XX/XXXX. Records indicate previous late payments during XXXX, including XXXX  days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX  days late in XXXX XXXX, XXXX  days late in XXXX XXXX, XXXX  days late in XXXX XXXX, XXXX  days late in XX/XX/XXXX, and XXXX  days late from XXXX through XX/XX/XXXX. While these delays did occur, the account has since been brought current and remains open on some reports but is reflected as closed in others. This inconsistency creates a misleading representation of my financial activity and should be corrected to ensure it accurately shows as open with prior late activity. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], all information reported on a consumer must be held to the standard of maximum possible accuracy. Reporting the same account as both closed and open, or maintaining late payment data that is not aligned with verified account records, does not meet that standard. Additionally, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] grants the right to request verification and correction of any information that may be incomplete or inaccurate. I am exercising that right and asking for review not deletion so that the information remains factual and complete.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] requires furnishers to avoid reporting data they know, or have reasonable cause to believe, is inaccurate.

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