vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have been a customer of Square, Inc. since XXXX and have always conducted business with integrity. However, Square has placed a 90-day hold on my funds without clear justification or a fair dispute resolution process. 

On XX/XX/XXXX, I processed a credit card transaction for {$18000.00}. Square deducted a service fee of {$530.00}, leaving me with a net balance of {$17000.00}. That same day, I received a notification that my account was under review. I promptly provided all requested information in full compliance with Squares requirements. 

Despite this, on XX/XX/XXXX, I received an email stating that my account had been deactivated and that my funds would be held for 90 days until XX/XX/XXXX. The stated reason was chargebacks, yet Square has already received the funds, and all sales on my end are finalthere will be no returns or chargebacks.

Since then, I have made multiple calls to Square support, messaged them on social media, and filed a complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, Square continues to hold my money without providing any further explanation or a resolution. Their customer support responses have been generic, failing to justify why my funds are being withheld for such an extended period.

This prolonged and unjustified hold is significantly impacting my business operations and financial stability. I am requesting the CFPBs assistance to : -Investigate Squares withholding practices and their compliance with financial regulations. 
-Ensure Square releases my funds in a reasonable timeframe rather than arbitrarily holding them for 90 days.

-Require Square to provide a transparent explanation for excessive holds and a fair process for appeal.

Relevant Details : Company : Square , Inc. 
Amount of Funds Held : {$17000.00} Date Funds Were Held : XX/XX/XXXX Attempts to Resolve : Multiple calls to Square support, social media outreach, and a XXXX  complaint with no resolution. 
Business Impact : Severe disruption due to the inability to access rightful funds.

Squares actions appear to be an unfair and deceptive business practice, particularly as they have already received the funds and there is no risk of chargebacks. I urge the CFPB to intervene and ensure Square follows fair and transparent policies for small business owners like myself.

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Subject : Formal Dispute Illegal and Inaccurate ChexSystems Reporting by XXXX XXXX XXXX Dear Chexsystems and XXXX XXXX XXXX, I am filing a formal dispute regarding an inaccurate and unlawful negative entry reported by XXXX XXXXXXXX XXXX on my personal ChexSystems report regarding a business account. Under 15 U.S.C. 1681a ( d ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), business accounts are not consumer accounts and therefore should not be reported on my personal consumer file. 

Disputed Account Details : Bank Name : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Reported For : Non-Sufficient Funds ( NSF ) Activity Date of Closure : XX/XX/2023 XXXXXXXX Number : XXXX / XXXX Original Charge-Off Amount : {$370.00} Closure Status : Unpaid ( As of XX/XX/2023 ) Violations of Federal Law : Unlawful Reporting of a Business Account Under 15 U.S.C. 1681a ( d ) ( 1 ), business accounts are not consumer accounts and should not appear on my personal ChexSystems report.

Failure to Provide Proper Verification Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate information, and the bank must provide verifiable proof or remove the entry.

Failure to Properly Investigate Under 15 U.S.C. 1681s-2 ( b ), furnishers of information must conduct a proper investigation and can not re-report unverifiable or inaccurate data.

Requested Resolution : Immediate removal of this illegally reported business account from my personal ChexSystems report. 
Written confirmation of its deletion. 
Investigation into XXXX XXXX XXXX compliance with federal consumer protection laws. 

Failure to comply may result in further legal action. 

Sincerely, 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
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account.

Documentation showing the full history of the debt, including the original creditor.

Any judgments, insurance claims, or assignments of the debt.

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I received a phone call at XXXX, the caller ID read Cash App so I answered. Upon answering a man who said he was a Cash App Advocate said that someone in XXXX was trying to make a purchase & he wanted to verify if it were me. I quickly replied No! & he said ok well lets set up security alerts and secure your account. During this time he sent me notifications via the Cash App application as well as text messages which appeared in the same text thread as previous Cash App texts so I know they were authentic. He sent a text telling me to deny the charge even though I clearly told him it wasnt me. Somehow we got disconnected and soon after I receive another call and it was the SAME man but on a different number. I thought this was his personal line because like I stated before he was able to access my account via the app. He had all the info even my name. During this second call is when several alerts came through saying I made purchases at a XXXX XXXX XXXX XXXX which is a XXXX based company. He said that that was supposed to happen to secure the account. The employee took all of my money, {$310.00}. At this point Im freaking out trying to contact customer service and block the merchant. Even blocked they still tried to make even more transactions even though they were declined due to lack of funds. Later on that evening around XXXX or so the same man called I answered just to see what hed say. He told me to send {$50.00} to the account. I immediately hung up and blocked his number. I had to wait to dispute the charges because they were still pending. When I finally did Cash App denied all XXXX charges stating I made this charges in app. Ive been going back and forth with them just to get ZERO help. I showed them screenshots of the calls and texts that were sent to me which were clearly from cash app and they still denied the disputes. How can I eat food in XXXX or XXXX wherever it was and I live in the United States. I just dont think its right to dismiss me especially when it was an employee of theres who took the money. They had access to all the info to do so. With research Ive seen that this is a constant thing thats been happening to people and I feel like Cash App should take accountability for what transpired. Anytime you try to talk to customer service you get automated texts. Im so exhausted and frustrated because its been hours and hours and days on end of trying to get this resolved. Enough is enough. Also I believe something when wrong when they told me to update me card. Thats when the trouble began. Just take responsibility for your companys involvement in fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
Charge-Off Dispute Compliance with the FCRA Dear Sir or Madam, I am writing to formally dispute the incorrect reporting of a Charge-Off on my credit report under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 

Details of the disputed account : Creditor Name : FNB OMAHA Account Number : XXXX Account Status : CLOSEDXXXXCHARGEXXXXOFF Amount Reported as Past Due : {$4800.00} Last Payment Date : XX/XX/XXXX Verification Date : XX/XX/XXXX Reason for Dispute : The information reported does not accurately reflect my credit history for the following reasons : The Charge-Off has been inaccurately reported. I have attempted to resolve this issue with FNB Omaha, but they have failed to correct the error.

The debt may be disputed or partially paid. I need verification of the accuracy of the reported amount. 
The creditor has failed to provide proper debt validation as required by law. 
I have not received a Form 1099-C as required by the IRS for canceled debt. If the debt was forgiven or charged off, the creditor is legally obligated to issue this form. Their failure to do so raises concerns about the accuracy and legitimacy of the reporting.

Request : Under FCRA ( 15 U.S.C. 1681i ), I formally request that : A formal investigation be conducted regarding the accuracy of this information.

The creditor provide valid and verifiable proof that this debt was reported correctly.

If validation can not be provided, the Charge-Off be removed from my credit report.

The creditor issue the 1099-C form if the debt has been legally canceled or written off.

I have attached copies of relevant documents supporting my claim. I appreciate your prompt attention to this matter and expect a written response within the 30-day legal timeframe. 

Sincerely, XXXX 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
Consumer complaint received 2025-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received 3 physical American Express Gift Cards. I attempted to use them on XXXX, XXXX, and XXXX sites as well as in-person and was declined every single time, though {$0.00} bank transaction charges are showing as pending from XXXX on one of the cards.

Many people have reported having this problem starting XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am on my nephews savings account with Wells Fargo. He was scammed while selling his car on XXXX XXXX. He was not using his savings account but it stayed open with less than XXXX dollars. He did not let any of us know that his happened but the buyer of his car sent him {$2000.00} more than the sales price to wire to someone who was supposed to drive the car to the buyer. If anyone was informed we would have told him this was a scam. He originally went to his first bank XXXX XXXX and they would not give him {$2000.00} in cash so he went to Wells Fargo where he explained the situation and they gave him {$2000.00} which he wired to the Scammer. The check of course bounced. Wells Fargo then contacted me and let me know what happened and I immediately had my nephew call the police and open a police report I opened a fraud notice with Wells Fargo. We provided everything to Wells Fargo. I explained to them that my nephew was moving and to please let me know what was going on. Wells Fargo did not tell me they denied the fraud and said he was liable and the {$2000.00} was charged off. Because of this Wells Fargo closed my only credit card with them I had for 20 years as I have been a customer for 32 years. I opened a dispute with Wells Fargo and they would not acknowledge that I was not informed of the charge off and stood by the massive hit to my credit for closing 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 explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
Today, I came across incorrect accounts on my credit report and have no explanation for their appearance. As part of my routine, I checked my credit report, but this time, I was shocked to find discrepancies. I tried refreshing my browser, thinking it might be a temporary issue, but the errors did not go away. Due to this, I request a detailed examination of the documents I have submitted so I can have peace 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 2025-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
My house caught fire XXXX XXXX XXXX  Ive been struggling to pay and needed my loan lowered Ive been threatened with a bad credit report and repossession

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Past Due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Collections XXXX XXXX XXXX XXXX XXXX XXXX Originally XXXX XXXX XXXX XXXX XXXX Collection Account In Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Originally XXXX XXXX XXXX XXXX XXXX XXXX Collection Account In Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Originally : XXXX XXXX XXXX XXXX XXXX Collection Account In Collections XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Charged Off XXXX XXXX XXXX XXXX XXXX XXXX Installment Account Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Installment Account Charged Off XXXX XXXX XXXX XXXX XXXX Delete evictions 15 USC 1637 ( 2 ) 9a ) 15 USC 1681- 15 USC 1681e ( b ) 15 USC 1681s-29 Collections : 15 USC 1692c 15 USC 1681e ( b ) 15 USC 1692g. 
Charge offs : 15 USC 1635. 15 USC 1692a Late payment:15 USC 1681 ( 2xi ) 15 USC 1666b .

12 fcra Account In Collections XX/XX/XXXX XX/XX/XXXX {$2200.00} {$2200.00} {$2200.00} XXXX XXXX XXXX Revolving Charged Off XX/XX/XXXX XX/XX/XXXX {$1000.00} {$1000.00} {$1000.00} XXXX XXXX XXXX Originally : XXXX XXXX XXXX XXXX. Collection Account In Collections XX/XX/XXXX XX/XX/XXXX {$740.00} {$740.00} {$740.00} XXXX XXXX XXXX Originally : XXXX XXXX XXXX XXXX XXXX. Collection Account In Collections XX/XX/XXXX XX/XX/XXXX {$680.00} {$680.00} {$680.00} XXXX XXXX Revolving Charged Off XX/XX/XXXX XX/XX/XXXX {$480.00} {$480.00} {$220.00} XXXX Installment Account Payment Plan/Redeemed XX/XX/XXXX XX/XX/XXXX {$3200.00} {$0.00} XXXX XXXX  XXXX Installment Account Charged Off XX/XX/XXXX XX/XX/XXXX {$2200.00} {$0.00} {$0.00} Rental payment history items : I XXXX XXXX XXXX is dispute the debit item it's not my l from XXXX XXXX on code Law 15U.S.C1692 and 12CFR 1002 am dispute the debit item on credit report it's not my denial in violation Law credit score on credit based do to Law I XXXX XXXX is requesting XXXX XXXX behalf debt it's not my debit I put in on the property management company went through your processing software. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
Prior to speaking to customer service today, XX/XX/year>, I have had several correspondences with Mohela following the switchover from XXXX. I have yet to be able to register an account to allow me access to my information online. This also deters me from having access to the Income-Driven Repayment form which I was emailed today. I am trying to apply foXXXX XXXX loan forgiveness of which I know I qualify. I keep getting an error message even though I am explicitly following the directions provided to register an account. This is most frustrating as I have been trying to electronically sign this document to quicken this process, however, I am unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
RE : XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX Capital One Account number XXXX XXXX Account number : XXXX IMMEDIATE DELETION I am writing to bring to your attention a serious matter regarding the inaccurate reporting of an account on my credit report, which is a direct result of identity theft. This erroneous information is not only a violation of the Fair Credit Reporting Act ( FCRA ), but it is also significantly impacting my ability to obtain credit. Furnishing this account to my credit profile has violated 15 US Code 1681B, not only was I NOT notified of any account, but it has been furnished without my consent I recently obtained a copy of my credit report from your bureau and was shocked to discover an account listed under my name that I have no knowledge of or involvement with. I requested verification of this account with no formal response, deeming this account unverifiable. 
According to the FCRA, credit reporting agencies are required to ensure XXXX accuracy and integrity of the information they report. In this case, the inclusion of this fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ) and 15 USC 1681C-2. 
The presence of this fraudulent account is severely impacting my ability to obtain credit, as lenders and financial institutions rely heavily on credit reports to assess an individual 's creditworthiness... I kindly request that you take immediate action to rectify this situation and remove the inaccurate information from my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX  ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation