vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a formal complaint against Square for wrongful handling and control of my funds. Square has restricted access to my account and locked my card, despite the funds showing as available and all transactions being visible, including returns they themselves processed. They continue to collect payments and display my balance, yet I am unable to use or withdraw my own money. 



Square has claimed unusual activity without providing any clear evidence, reasonable cause, or follow-up, despite successfully verifying my identity. Their customer service has been unresponsive and unprofessionalcalls have been disconnected, and no meaningful resolution has been offered. This is a breach of their user agreement and fiduciary responsibility. 



Additionally, Square continues to send promotional offers and act as if my account is active, while simultaneously restricting access and managing my funds without my consent. This has caused financial hardship and a complete lack of trust in their platform. 



I am demanding immediate release of my funds and a full explanation of their actions, or I will pursue legal and regulatory action for breach of contract and wrongful withholding of personal assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
SUBJECT : FORMAL DISPUTE & DEMAND FOR IMMEDIATE DELETION FCRA 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ) ; TFC 392 I dispute the following accounts due to [ inaccuracy/violation ]. Failure to verify within 30 days requires deletion per FCRA : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX ( Balance Inaccuracy ) XXXX XXXX ( XXXX ) Reported XX/XX/year> {$850.00} ( balance inaccurate )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
XXXX is censoring the web by refusing payment processing to vendors. 

As a consumer this effects me and leaves me with no other options as XXXX holds a monopoly in my country. My bank and my credit card work through XXXX. I can't just pick a different processor like one can pick a different brand of coffee or car to drive.

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 2025-07-25 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: KY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate ; Transunion : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-25 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: KY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate ; Transunion : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> - caller calling from " Wells Fargo fraud department '' informed me that I had an attempted wire transfer and asked if I authorized the activity. After indicating I did not, they proceeded to walk me through steps to " securely '' close both my checking and savings account. Using Wells Fargo system and text codes, they had me transfer both accounts to my phone wallet apple cash card, then move the money to a digital Wells Fargo debit card that was uploaded to my phone. After transfer the monies to the new Wells Fargo digital card, they removed the card from my phone and instructed me to wait an hour before the funds would be available on my new account associated with my new debit card. The total transfer was {$8100.00}. 

I called Wells Fargo not even 2 hours later where the funds were still pending transfer and filed a claim once I was informed that it was a fraudulent call that occurred. Then on XX/XX/year> I went into the XXXX XXXX, CA branch to follow up on the claim and was informed that I would get the money back but they have to research the claim for about 10 days. Initial claim was denied. Escalated to the Executive Office- after approximately 6 weeks, the claim was again denied. 

I am a customer of 30 years - Wells Fargo did nothing further to recoup my losses.

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 2025-07-25 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-25 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I was a victim of identity theft in 2023, where my information was used to open a new account with XXXX XXXX XXXX in Florida ( a state I have never lived in or been to ). On this new account, iPhones were " bought '' with no down payment. I only discovered this when I was sent to collections for the amount of {$3100.00}. This was a result of identity theft. 

At the time, I had a permanent address in Arizona, but was on XXXX  XXXX  in Utah. I promptly filed a police report at my local law enforcement office, as well as filed a report with the FTC. I was able to send these reports and an affidavit ( per XXXX XXXX XXXX  instructions ) to the company. The XXXX & XXXX case number I was provided for this was XXXX. I also notified all three credit bureaus, as well as the collection agency, of this fraud and had it removed from my credit report. The collection agency also ceased pursuing me for the debt. 

Since then, XXXX XXXX XXXX has sent me to collections two additional times, the companies being XXXX XXXX XXXX and, recently, Credence Resource Management. XXXX XXXX XXXX will not contact me about this issue, nor am I able to contact them. All attempts to contact XXXX XXXX XXXX through customer service, whether over the phone or in person, lead to their fraud department, whose phone line is not manned by any person, only a virtual assistant that is not helpful. XXXX XXXX XXXX has never returned contact with me by email or physical mail. 

I suspect XXXX XXXX XXXX is attempting to communicate with the contact information of the fraudulent account, of which I am obviously not the owner. XXXX XXXX XXXX also will not allow me to change any contact information on the account, as I am not allowed access. I have the account number, email, and phone numbers associated with the account. 

XXXX XXXX XXXX has relentlessly pursued me for fraudulent debt that they are fully aware is the result of identity theft. 

I will be attaching : FTC Report Local Law Enforcement Report The affidavit XXXX XXXX XXXX requested Receipt of the fraudulent phone purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
So this Fraudulent company doesnt seem to respect the law seeing as it in DISPUTE RIGHT NIW AND THEYVE REPORTED IT IN MY CREDIT FILE JUST YESTERDAY XX/XX/year> this is against the law Im going to file a second police report to rectify the damage theyve inflicted on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have recently learned of fraudulent activity on my credit report that has happen over several months. I am including an identity theft report and requesting to have these items removed asap. None of the items below appear on my Transunion or my Equifax credit reports. 


XXXX XXXX  : This is a fraudulent account and I have never open an account with them nor have I ever lived in New Jersey. 

XXXX XXXX XXXX  : This is a fraudulent account and I have never open an account with them nor have I ever lived in New Jersey. This account is also reporting CO every single month which is against the law. 

XXXX XXXX XXXX XXXX : This is a fraudulent account and I have never open an XXXX : This is a fraudulent account and I have never open an account with them nor have I ever lived in New Jersey XXXX 

XXXX XXXX : This is a fraudulent account and I have never open an account with them nor have I ever lived in New Jersey. 

The inquires below are fraudulent and I have never opened an account not used them in any way. 

XXXX XXXX Inquired on XX/XX/scrub>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 XXXXXXXX XXXX GA XXXX for the XXXX XXXX  years. I have never lived in New Jersey. Please removed any New Jersey address from my credit report. These do not appear on XXXX  or 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 2025-07-25 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: HI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : 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/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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-25 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: IN

Complaint narrative:
I recently got the latest copy of my report and noticed multiple fraudulent accounts that I am not familiar with and are damaging to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IN

Complaint narrative:
I recently got the latest copy of my report and noticed multiple fraudulent accounts that I am not familiar with and are damaging to my character.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not authorize these companies to access my credit file, nor did I apply for credit with them. This is a clear violation of my rights as a consumer, and it adds unnecessary stress to an already overwhelming situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Issue : Refund amount discrepancy between Robinhood and XXXX XXXX  Product : Deposit Account / Investment Account Companies Involved : Robinhood Markets Inc. and XXXX XXXX XXXX  Complaint : I attempted to purchase a CD on Robinhood, but the transaction was canceled due to insufficient funds. Robinhood informed me that the full amount was refunded to my XXXX XXXX  account. However, my XXXX account only shows a partial refund. 

When I contacted Robinhood, they stated that the transaction was rejected before ACH settlement, so they do not have an ACH trace number. 
On the other hand, XXXX provided me with their internal transaction reference number : XXXX, confirming the deposit but showing a smaller credited amount. XXXX also confirmed that they applied no fees or deductions. 

I now have conflicting information from both institutions. Robinhood claims the full amount was refunded, but XXXX 's records show a smaller amount credited. Neither party is taking responsibility for locating the missing funds. 

I request the CFPB 's assistance to investigate and mediate between Robinhood and XXXX to resolve this discrepancy. Supporting documents, including Robinhood and XXXX correspondence and bank statements, are available upon request. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 am disputing the presence of a fraudulent account on my credit report. This account does not belong to me and appears to have been opened without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I paid for a service through Paypal they suppose to have buyer protection I went through and submitted a complaint about not receiving services Paypal denied my complaint without any valid reason and when i call to ask keep getting the run around. I provided Paypal with documentation of the conversation cleary showing i didnt get what was promised and also gotten kicked out the group for making a complaint and now i am left with nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief