vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: CA

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the complete shutdown of my Square account, which has now persisted for over a week without resolution. This situation has become intolerable and is having a devastating effect on my business. 

My account was compromised due to unauthorized access, and despite alerting Square immediately, I have been met with delay after delay. I can not access my money. I can not access my client bookings. I am completely locked out of my own business operations, and my clients are growing increasingly frustrated with the lack of service. This has already caused loss of income, damage to my reputation, and incredible personal stress. 

What has made this experience even worse is Squares complete failure to provide any meaningful support : I have been bounced between representatives with no consistency or follow-through. 
Ive been promised escalation, but I never hear back. 
Ive been hung up on multiple times while trying to get help. 
Ive provided every single document and verification step requested, yet there has been no resolution whatsoever. 
Despite acknowledging the issue, Square continues to withhold access to my funds and account, with no clear timeline or accountability.

This lack of transparency and responsibility is unacceptable. Square is deliberately holding my money while providing no workable path to resolution. I am documenting all of this and will be submitting formal complaints to XXXX  XXXX XXXX XXXX, the Consumer Financial Protection Bureau, and any other relevant regulatory bodies. 

Unless my account is fully restored and my funds are released immediately, I will be forced to pursue all available channels to protect myself and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
They basically said that I cosign for a student loan I believe for XXXX XXXX  I told him that I never been to school and I never cosign for anybody. They told me the person name and I told him that I never cosign for them. They gave an email that wasn't accurate in my email which I believe the XXXX 's were sensitive email and my signature was for due to me knowing that person I don't know if they have my information, but I never signed for any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: AZ

Complaint narrative:
In XXXX of this year I started the process of cleaning up credit. I notice multiply violations of my rights. As well as errors and inaccuracies in my credit report. Since then I have sent multiple certified letters in conjunction with online disputes, as well as calling the bureaus directly. I am having no success. The XXXX bureaus refuse to properly investigate, and reinvestigate my claims. I have received little no correspondence to the address requesting within my certified letters. I need these accounts removed from my credit report immediately at this point my rights are violated and this crime against me has prevented me from attaining credit. The accounts follow in next section

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 2025-04-20 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: RI

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Experian notifying them of the reinsertion of the XXXXXXXX XXXX account number XXXX inst my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: LA

Complaint narrative:
To remove negative accounts and bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, la, XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX 2000 XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate information that is currently reported on my credit file. Despite previous attempts to address these issues, the incorrect information has not been corrected. complaints, which indicates a pattern of failure in properly investigating and correcting disputes. The following items on my credit report are inaccurate : XXXX. Chapter XXXX bankruptcy XXXX Court info XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I've had a bank account opened under my email without my knowledge I've tried contacting Bank of America and sending these emails to their abuse email, but I have received no help. They mentioned this was not opened under my SSN, but I'd still like confirmation that this will not penalize me in the future and my information is secure I have attached what the emails I get look like, and here is the email in text below with the info : XXXX XXXX de XXXX ( R ) de {$700.00} a XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX : que termina en XXXX Para : XXXX I have no idea who this is, who these people are, and which bank account numbers this is associated 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 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-20 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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.
State: MI

Complaint narrative:
To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim [ MY ACCOUNT WAS CHARGED OFF {$18000.00} WITH A BALNCE OWED OF {$14000.00} ]. This is a formal notice that your claim is disputed. 

Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please provide the record that reflects the process by which my signature was generated/executed. 

Any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2025-04-20 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: MI

Complaint narrative:
To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim [ MY ACCOUNT WAS CHARGED OFF {$18000.00} WITH A BALNCE OWED OF {$14000.00} ]. This is a formal notice that your claim is disputed. 

Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please provide the record that reflects the process by which my signature was generated/executed. 

Any negative mark found on my credit reports ( including XXXX, Transunion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: CO

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

and accuracies

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 2025-04-20 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim [ MY ACCOUNT WAS NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE ]. This is a formal notice that your claim is disputed.

Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you.

Please provide the record that reflects the process by which my signature was generated/executed.

Any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a purchase of {$950.00} on XXXX, XX/XX/year> with my Chase card ending XXXX with XXXX for XXXX tickets to XXXX XXXX XXXX. However, the transaction was declined by Chase and I received a text message from Chase XXXX stating " you will not be charged unless the purchase is attempted again. '' I then told my wife that she should buy the tickets herself since I am having problem with my transaction. I later find out that XXXX did ran the transaction the second time, which was not authorized by myself since I did not attempt to make the purchase again. I then called Chase XXXX to reverse the unauthorized transaction since XXXX refused to refund the fraudulent charge, which they did. On XX/XX/year>, I received a letter from Chase deciding that the charge will be reinstated because I " received benefit form this transaction. '' The benefits being XXXX unused tickets that I am trying to return for the unauthorized charge by XXXX. Chase XXXX failed to address the fraudulent act by XXXX and I am now forced to use XXXX tickets that I do not need.

Company response to consumer: Closed with explanation