vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, Square processed a {$250.00} payment for my business, XXXX XXXX XXXX DBA XXXX XXXX. The transaction was fully successful. There is no dispute, no chargeback, and no fraud, and my XXXX business bank account is verified. 

Shortly after the transaction, Square permanently deactivated my account without explanation and placed the {$250.00} on a 90-day hold, stating it would not be available until XX/XX/XXXX. I am a XXXX XXXX  citizen, and being denied timely access to these funds caused significant financial hardship. I was unable to purchase essential XXXX  and was forced to take an XXXX XXXX  loan to cover XXXX  needs. 

I attempted to resolve this through every available channel, but Square has completely blocked communication : Phone system automatically disconnects me when it recognizes my account In-app support does not allow messages Feedback system ends the call No customer service representative can be reached No email response or working contact option I have screenshots showing that my {$250.00} transfer is scheduled to my XXXX  account, but Square is refusing to send it and provides no explanation. Their actions are unreasonable and harmful, and I can not obtain any information directly from the company. 

I am requesting that the CFPB assist in addressing Squares conduct and ensure they take appropriate action to resolve this situation. I do not want my account reinstated I simply need access to the funds that belong to my business and relief from the harm caused by their refusal to release them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Certegy Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is unlawfully holding, storing, and circulating my personal information without my permission, knowledge, authorization, or any permissible purpose. At no time did I initiate any transaction, check verification, application, service request, or data-sharing agreement with XXXX. I did not grant consent, verbally or written, for XXXX to acquire, maintain, or distribute any portion of my sensitive consumer profile. 

Despite having XXXX lawful basis, XXXX obtained access to my identifiers and is maintaining internal files tied to my name, Social Security number, and personal history. This information is being used, retained, and potentially transmitted to third parties in a manner that is : Unauthorized Unverified Unrequested And harmful This constitutes : Unauthorized acquisition of consumer information ( 15 U.S.C. 1681b ( f ) ) Failure to maintain reasonable procedures for accuracy ( 15 U.S.C. 1681e ( b ) ) Negligent and willful noncompliance ( 15 U.S.C. 1681n, 1681o ) Unfair and deceptive practices under Section 5 of the FTC Act Data retention without permissible purpose under federal privacy laws As a direct result, I have suffered interference with banking access, denial of financial opportunities, reputational injury, and emotional distress, all stemming from information I never authorized Cetergy to obtain or maintain. 

There is no contract, no business relationship, no authorization, and no permissible purpose supporting XXXX possession of my consumer data. 
All information being held is unlawful. 

THE XXXX FCRA BLOCK AND DELETE ORDER ( This is the legal section you are asking about use this EXACT wording ) Under 15 U.S.C. 1681c-2, upon receiving notice that information is unauthorized, inaccurate, or fraudulently obtained, the consumer reporting agency ( or any company holding consumer data ) must : XXXX. BLOCK the data within XXXX business days, and XXXX. DELETE all associated information from the consumers file, and XXXX. Cease all future reporting, use, or reinsertion. 

You are hereby officially notified that all Cetergy information linked to my identity is : Unauthorized Unverified Not initiated by me Not consented to Not supported by any permissible purpose Therefore, the XXXX block rule is now triggered. 

You must block and delete ALL information within XXXX business days, including but not limited to : Internal files Identifiers Stored data Linked third-party notes Any account or transactional information Inquiry logs System references Failure to do so constitutes willful FCRA noncompliance XXXX subject to statutory, punitive, and civil damages under 15 U.S.C. 1681n and 1681o, and immediate escalation to the CFPB, FTC, and state regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I filed a dispute for two charges one I didnt receive the goods I ordered and the other one I supposed to been refunded for something I didnt receive as well. The company names were XXXX XXXX XXXX XXXX and XXXX XXXX  and current denied both refunds which I never got what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NJ

Complaint narrative:
I am formally disputing an inaccuracy on my THRE BUREAU credit report that misrepresents my financial history, creates a false impression of my creditworthiness, and requires immediate investigation and correction under federal law. My XXXX XXXX XXXX  account ending in XXXX is reported as a late open account with a {$14.00} balance, with the date reported as XX/XX/year> and the date of last activity as XX/XX/year>, which is entirely inaccurate, as the account was opened and managed responsibly, and no delinquency or late payment has occurred. Reporting this account as late not only mischaracterizes my reliability but also creates a misleading narrative suggesting financial mismanagement, directly violating FCRA 611 ( 15 U.S.C. 1681i ), which provides me the right to dispute any inaccurate or incomplete information on my credit report and obligates Experian to conduct a reasonable investigation and correct errors. This inaccurate reporting further violates FCRA 623 ( a ) ( 2 ), which requires furnishers to ensure the information they provide to credit bureaus is accurate, and FCRA 623 ( b ), which obligates furnishers to conduct a reasonable investigation whenever a dispute is raised and to correct or remove inaccurate information. Reporting this {$14.00} balance as late falsely inflates perceived risk and can adversely impact my ability to access credit or favorable financial terms. I request that Experian conduct a full investigation with XXXX XXXX XXXX, verify the accurate status of this account, and promptly correct all inaccurate reporting. I further request written confirmation of the results of your investigation and an updated credit report reflecting the correct balance, account opening, and activity dates. I am invoking my rights under FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ), as well as FCBA 1666 and 1666a, which protect consumers by ensuring billing errors are corrected, prevent adverse actions while a dispute is pending, and require that furnishers and credit bureaus maintain accurate reporting. Correcting this inaccuracy is essential to ensure my credit report reflects my true financial behavior and responsible account management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding the conduct of Portfolio Recovery Associates ( PRA ). They are reporting a debt on my credit file that does not belong to me, and despite my repeated explanations, they continue to treat the debt as valid. 

The alleged debt is for {$760.00}. PRA began calling me multiple times, often daily, pressuring me to pay. Even after I clearly informed them that this debt is not mine, the calls and harassment continued. Their representatives showed no interest in investigating my dispute and instead insisted on payment, stating only that they want the money. 

Due to the volume and intensity of their calls, I felt harassed and intimidated. Under pressure, I paid {$300.00} toward the debteven though I do not owe itsimply to get them to stop calling. This behavior is unacceptable, unprofessional, and in violation of consumer protection standards. 

My concerns are as follows : 1. The debt is not mine, and PRA has failed to provide any meaningful validation. 
2. PRA continued aggressive collection efforts even after I disputed the debt verbally. 
3. Their conduct caused me emotional distress and led me to pay money toward a debt I do not owe. 
4. They are reporting this inaccurate information to the credit bureaus, harming my credit. 

I request the following : An immediate investigation into PRAs handling of this account. 
Removal of this debt from my credit report due to it being fraudulent, inaccurate, and unverified. 
A review of PRAs collection practices, including their repeated calls after a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in 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 2025-11-17 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: VA

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I am disputing an inaccurate credit reporting entry being furnished by JPMCB Card to XXXX XXXX  and XXXX 

The account was closed on XX/XX/year> and charged off, yet it continues to be reported as 120+ days late, past due, and derogatory, which is factually impossible for a closed/charged-off account. 

A closed account can not continue to be reported as currently late, past due, or having an active delinquency. This is inaccurate and a violation of FCRA 607 ( b ) ( maximum possible accuracy ) and 623 ( a ) ( 2 ) ( duty to correct and update ). 

I disputed the information with the credit bureaus, but the inaccurate reporting remains. This ongoing reporting is causing harm to my credit profile. 

I am requesting that this account be corrected or removed entirely, as the reporting is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-17 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: LA

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 2025-11-17 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 XX/XX/XXXX 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 2025-11-17 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: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-17 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: NY

Complaint narrative:
Statement : I am requesting an investigation into the following account. I believe the reporting may be inaccurate or unverifiable. Please review the item carefully and ensure full compliance with the FCRA. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX, Acct : XXXX, XXXX : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: KS

Complaint narrative:
This secured credit card account was paid in full and closed on XX/XX/year>. The reported balance is {$0.00} and status is current, but the creditor continues to report 30- and 60-day late payments and a derogatory 6089 days late status. This information is inaccurate, incomplete, and harming my credit. Ive disputed directly and with the bureaus but the creditor has not corrected the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
Fraudulent accounts have/are been opened using my personal identifying information these accounts are illegally reporting to my credit profile with the CRA. I filed a dispute against the unlawful and fraudulent accounts with XXXX XXXX whom by law was supposed to conduct a proper and full investigation and then mail me those results. which they did not. and also updated the fraudulent accounts as verifiable which is false misleading and illegal at this point i am preparing to take legal action against CRA if accounts due to identity XXXX XXXX are not deleted from my credit profile within XXXX business days per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I do not owe this debt collector anything. This debt has not been validate. The amount owed is not validated. I have not purchased anything from Resurgent, nor have they proven that this debt was not securitized. See attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My XXXX XXXX credit account ( original creditor ) is reporting inaccurately and inconsistently across credit bureaus. 

This account was sold to XXXXXXXX XXXX which means the original creditor must report a {$0.00} balance and a transferred/sold status. However, the original tradeline is still reporting as an active charge-off on some bureaus and transferred on others. 

Remarks differ across all three bureaus, dates are inconsistent, and the account is not being reported uniformly. 

This violates FCRA 623 ( a ) ( 1 ) and 1681e ( b ). 

I request that Barclays correct the account to show {$0.00} balance and transferred/sold on all bureaus, OR delete the tradeline entirely if accurate reporting can not be verified. 

I do have reports supporting this claim.

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 2025-11-17 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I would just like to update my name the right way through all credit bureaus and delete all other names that are 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 explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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