vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: AL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : FCRA Dispute Inaccurate Entries and Reinsertion Violation Dear Equifax, This is a formal dispute under FCRA 611 ( 15 U.S.C. 1681i ). Please reinvestigate and correct/delete the following entries : Personal Information Errors Employer record : XXXX XXXX XXXX XXXX not my employer. Please delete. 



Account XXXX Errors XXXX. XXXX XXXX XXXX Accounts Misclassified as All Others Business Machines, Schools, Aircraft or Employment. These must be corrected and properly coded as Student Loans under Metro 2 standards. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( {$2100.00} ) I do not recognize this debt. Please obtain validation from the furnisher. If unverifiable, delete. 
XXXX. XXXX XXXX ( {$7100.00}, opened XXXX ) Status Indeterminate is incomplete and non-compliant with Metro 2 standards. Please correct or delete. 
XXXX. XXXX Accounts Possible duplicate or misclassified tradelines. Please investigate and correct. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  {$470.00}, Unpaid ) This tradeline was previously deleted but has been reinserted on XX/XX/XXXX, after first appearing on XX/XX/XXXX. 

Under FCRA 611 ( a ) ( 5 ) ( B ), a credit reporting agency may not reinsert previously deleted information unless the furnisher certifies its accuracy and completeness. Additionally, you are required to provide me with written notice of reinsertion within 5 business days. 

I never received such notice. Therefore, I demand that you : XXXX. Provide me with a copy of the certification of accuracy from XXXX XXXX XXXX, XXXX XXXX. Immediately delete this tradeline if such certification does not exist. 

Failure to comply constitutes a violation of the FCRA. 



Unauthorized Inquiries XXXX XXXX ( XX/XX/XXXX ) I did not receive credit from XXXX XXXX, and I did not authorize them to share my file with other lenders. Please delete this inquiry. 
XXXX XXXX via XXXX ( XX/XX/XXXX ) Unauthorized. Delete unless signed authorization is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-06 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: FL

Complaint narrative:
On XX/XX/2025, Square suddenly deactivated my business account without giving me a clear explanation. I was informed by email that all my funds will be held for 90 days and only released on XX/XX/2025. 

I own a licensed car dealership in Florida ( XXXX XXXX XXXX XXXX ). All transactions processed through Square were legitimate car sales. I have signed contracts from my customers, photos of the cars being delivered, and proof that customers authorized their payments.

I requested clarification from Square and offered to provide documentation proving the legitimacy of these transactions, but Square never gave me the opportunity to submit this information. Their responses were generic and did not address my case.

Holding my funds for 90 days without specific justification is causing serious harm to my business. I need access to these funds to pay vendors and continue normal operations.

I respectfully request that the CFPB review this case and require Square to release my funds earlier than the 90-day hold, as there is no evidence of fraud or risk associated with these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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 received a copy of my credit report and some unauthorized items are found

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had XXXXXXXX XXXX XXXX in a bank account at XXXX XXXX XXXXXXXX in a CDS account I've been there several times to try to recover my account and withdraw funds however the bank kept telling me they didn't have that account however my account was stolen by identity thieves that I happen to know of and they brag about it all the time I came to find out that every time I went to the bank the identity thieves were following me and they had someone working on the inside to help them as soon as they would tell me that there was no account to be found but identity thieves will come behind me and access my money this problem has spiral out of control several times with other accounts of mind

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 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: CA

Complaint narrative:
I provided Enable Loans ( Wakpamni Lake Community Corporation ) with proof of job loss and requested a reasonable hardship settlement. Their representative, XXXX XXXX, responded vaguely and dismissively with a skip payments if approved suggestion but gave no clear terms or timeframe. Since then, she has gone completely silent and ignored multiple follow-ups. 

This silence is deliberate and shows bad-faith handling. I have been proactive and communicative, but the company is treating me like I am nave or will give up. Instead of addressing my hardship, they continue sending only automated collection texts while refusing to engage in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this XXXX  shouldn't be on my credit/consumer report. 
XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Please remove it from my credit report.

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report.

6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate XXXX  Account Number : XXXX Please remove it from my credit report.

7. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

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 2025-09-06 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: GA

Complaint narrative:
I am tired of dealing with this issue. Unauthorized accounts that do not belong to me keep showing up on my credit report. I never opened them, I never agreed to them, and I never received any notice about them. The fact that each bureau reports something different only adds to the mess.

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 2025-09-08 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB AUTO ( Chase ) XXXX XXXX XXXX incorrect 30-day late tied to total-loss payoff XX/XX/XXXX : My insurer sent a total-loss payoff to Chase. In Chases portal the month showed paid/ no payment due. Relying on that, I did not make a separate XXXX installment. 

XX/XX/XXXX : I resumed my regular monthly payment in XXXX. 

Later, Chase re-applied/adjusted the insurance proceeds and treated XXXX as still due, then reported a 30-day late. 

I disputed it ; Chase removed the XXXX late. 

After my XXXX payment posted, the tradeline began showing a 30-day late for XX/XX/XXXX, even though the portal had indicated XXXX was paid due to the insurance payoff and I received no clear past-due notice for XXXX. 

The account was ultimately paid/closed ( {$0.00} ) as part of the total-loss settlement. 

This delinquency stems from how the insurance payoff was applied and the portals paid/no payment due statusnot consumer neglect. Reporting a 30-day late for XX/XX/XXXX is inaccurate/misleading. 

Actions taken : Disputed with Chase and the CRAs ; responses stated verified but no payment ledger/Metro-2 ( ACDV ) detail was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: GA

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 2025-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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 was included in a data breach and was never informed.

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 2025-09-06 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:
I was included in a data breach and was never informed.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Pre-Arbitration Demand for Removal of Inaccurate Late Payment Reporting To Whom It May Concern : This letter serves as my formal * * pre-arbitration demand * * regarding the continued reporting of inaccurate late payments on my credit file. I have previously disputed this matter in good faith, providing evidence that several creditors have failed to comply with 15 USC 1666b and 15 USC 1637 ( b ) by not providing periodic statements at least 21 days prior to the payment due date.

1.XXXXXXXX XXXX 2 . XXXX XXXX XXXX XXXX  3.XXXX XXXX Be advised of the following potential liabilities under the FCRA : -Statutory damages : Up to {$1000.00} per violation -Attorneys fees and costs : Paid by the violator -Punitive damages : When reckless or willful disregard is proven In addition, your refusal to correct these inaccuracies may expose you to class-action liability if widespread reporting issues are uncovered.

Despite my requests for verification, no proof has been provided that these requirements were met. Therefore, the reporting of these late payments is inaccurate, unfair, and unlawful under the Fair Credit Reporting Act ( FCRA ).

You are hereby placed on notice that if these inaccurate late payment entries are not deleted from my consumer credit reports within * * 15 days of receipt of this letter * *, I will have no alternative but to proceed with arbitration and seek damages, legal fees, and all remedies available under the law.

This is your final opportunity to resolve this matter before arbitration proceedings are initiated. 


Sincerely, 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