vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: OH

Complaint narrative:
I took a payment for the amount of {$200.00} from a client of mine and because that money was being held by square I chose to refund that transaction to my client so he could pay me a different way that way the money would be immediately available. Upon doing so I asked square to cancel the transaction in that way the money would go back to his card and there would be no issue. Instead of doing so square took these erroneous steps. They decided that they were going to permanently end our banking relationship based on what they said was third party information that they can neither confirm nor deny or confirm the validity of, as well as their internal information about my account which has never been a problem before. So they charged me a {$7.00} fee for accepting that payment and then they also charged me another {$7.00} fee to refund it but because they decided to close my account that {$7.00} fee was never taken and then that {$200.00} refund was therefore canceled by square. Then I received an email the next day that they were going to be holding my money for 90 calendar days and there was nothing that I could do about it they were not going to inform me as to the other reasons why they close my account and the guy on the phone that I spoke to basically told me to go XXXX myself and it was extraordinarily disrespectful. If it weren't for square 's predatory practice of charging the account holder the merchant fee for taking the transaction and then refunding the transaction as well when it is perfectly within their ability to cancel the transaction as a payment processing company we wouldn't be having this issue. I would avoid using square because this just is a perfect example of a company 's unwillingness to do the right thing and pursuit of money and also it's crazy that they can just close My business account with no further notice immediately hold all of my funds for 90 calendar days and also not tell me why they've made that decision. Stay far away from this this is completely ridiculous and also could pose a huge safety risk for your financial well-being and for your business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Identity theft accounts XXXX XXXX XXXX  Date opened XX/XX/XXXX Credit limit {$20000.00} Account number XXXX Account type Credit card XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Account type Auto Lease Original balance {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This is account is inaccurate, I dont have any knowledge of this account. This account is not owned by 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear CFPB, I am writing to dispute the reporting of a charge-off account by Capital One, which continues to appear on my credit report despite the resolution of the matter through the court system. I previously settled this debt, and as part of the court agreement, it was stated that the account would be deleted from my credit reportnot updated as a charge-off. 

Despite this, Capital One has reported the account as a charge-off rather than removing it completely, as was agreed upon and confirmed through the court. I was assured this account would be deleted following settlement, and the court documentation supports that. 

I respectfully request that this matter be investigated and that Capital One be required to comply with the agreed-upon terms by removing the account from all credit reporting agencies. The current reporting is inaccurate and does not reflect the resolution that was legally established. 

Account Information : Creditor Name : Capital One Disputed Item : Charge-off status ( should have been deleted per court agreement ) I have attached any supporting documentation I have available and prior communication. 

Thank you for your assistance in helping correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-04-06 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I had numerous account that were bought by LVNV funding that were bought with negligence to the original contract. The issue began when I became hospitalized on a continuous basis and asked them to work with me on payments. Numerous times I asked for a deferment, explained my hardship and asked to see the original contract to see if there were any protections in place, due to XXXX. I was ignored every one of those times, the balance continued to grow and gain interest and my account was closed. Though the account was closed, they are still adding interest. This comes after years of good standing with the institutions, without even as much as a late payment on the account. I surely expected some sort of results when seeking help. But I was never sent an original contract to see my rights, I was never offered a deferment or hardship and instead I was just thrown away as a bad debt. There must be laws in place to protect Veteran 's like myself whom become completely XXXX and face the hardship of inability to pay. This information should have been provided, instead of requests ignored. LVNV bought the debt and continues to harass me to collect the debt when I was never given deferred arrangements or hardship options by the original creditor, as stated in the terms of credit. LVNV will also not provide the original contract from any of the creditors in whom they are trying to collect debt on. LVNV is predatory on Veteran 's and I can only assume anyone that faces XXXX. Requests are continually ignored with only statements provided and NOT THE ORIGINAL CONTRACT that states that XXXX options should have been provided from the original creditors to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
They keep calling me on my personal phone and at work. Then they will call and hang up sometimes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WI

Complaint narrative:
I was involved in a auto accident on XX/XX/year>. I was not the driver at fault and have the accident report. My insurance company increased my rates because it is on the department of motor vehicle report, that i was at fault. I spoke with the DMV and they told me that Lexisnexis is the responsible party that reported the information wrong. How do i get this off my driving record? I have attached the accident report for viewing to help in the removal of the wrong information. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The company who I received XXXX XXXX  from has gone bankrupt and does not exist anymore. There for all balances owed are null and void ; also XXXX XXXX XXXXXXXX can not collect a debt for a company that DOES NOT exist anymore.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This letter serves as a formal dispute of the account listed on my Equifax credit report under the name XXXX. This account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ). 

Please be advised that this same account has already been removed from both my XXXX and XXXX credit reports after they were unable to verify its accuracy. Therefore, its continued reporting by Equifax constitutes inconsistent and unverifiable information, which is grounds for immediate deletion under FCRA 607 ( b ) and FCRA 611 ( a ) ( 1 ) ( A ).

You are required by law to : 1. Conduct a full reinvestigation of this account as mandated by FCRA 611 ( a ) ; 2. Delete the account if it can not be fully verified with original, documented evidence from the furnishernot just a system confirmation or database entry ( FCRA 611 ( a ) ( 5 ) ) ; 3. Provide a detailed Method of Verification including the name and contact information of the person or entity you verified with, per FCRA 611 ( a ) ( 7 ) ; and 4. Respond to this dispute within 30 days as required by law ( FCRA 611 ( a ) ( 1 ) ).

If you fail to comply, this may be considered willful noncompliance under FCRA 616 and 617, which opens Equifax to potential liability for damages.

Please confirm the results of your reinvestigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
So I had over XXXX  dollars unlawfully taken from my chime account this has happened to me numerous times with all my claims being denied by chime. At this point I'm ready to hire an attorney and take them to court for not doing their jobs and not taking people 's claims serious. They are so quick to deny people 's claims without doing a proper investigation. I'm begging for chime to be held accountable for not investigating claims and not giving people their money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MS

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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wellsfargo charged me multiple overdraft and NSF Fees Simultaneously from XXXX and stated that it was in XXXX and explained via statement as well but I could never find that info and when requesting Exec to review calls they stated theyre not at Liberty to do so without a warrant, Im just a regular consumer how am I going to go up against a XXXX dollar entity

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-06 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: TX

Complaint narrative:
These credit card were open with someone using this address that has never been my address XXXX XXXX XXXX XXXX, PA XXXX XXXX I have requested Experian Equifax and Trans Union to remove this address off of My Credit profile. They continue to report this address which keeps the disputes open that I have been submitting on these Credit companies from removing this incorrect information from my credit report. 

XXXXXXXX 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/year> These accounts are reporting incorrect information on my credit report. I was a victim of identy theft while I was incarcerated. I contacted these companies and asked them to stop reporting incorrect information that is not mine. They refused and are still incorrectly reporting. Experian exquifax and transunion

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 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 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