vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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 submitting this complaint regarding Cash Apps refusal to allow me access to my own funds due to alleged suspicious activity, without providing any explanation, evidence, or resolution timeline. 

On or around XX/XX/year>, Cash App restricted my account and prevented me from accessing my funds. I was informed only that the restriction was due to suspicious activity. I have repeatedly contacted Cash App support to request clarification, documentation, or specific steps required to resolve the issue. 

Despite multiple attempts, Cash App support has been unhelpful and has refused or been unable to provide : Any specific reason for the restriction Any description of the alleged suspicious activity Any documentation or evidence supporting their action Any clear timeline for when or if my funds will be released As of today, my funds remain inaccessible, and Cash App has effectively frozen my money without due process or meaningful customer support. I rely on access to these funds for normal living expenses, and this situation has caused financial hardship and distress. 

I am concerned that Cash App is improperly withholding consumer funds without transparency or accountability, and without providing a legitimate dispute or appeal process. 

I am requesting that Cash App be required to : XXXX. Provide a clear, specific explanation for the restriction XXXX. Release my funds immediately if no legal justification exists XXXX. Establish a clear and fair process for resolving account freezes I believe this conduct may violate consumer financial protection standards related to access to funds, transparency, and fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: PA

Complaint narrative:
I previously made a purchase with XXXX XXXX XXXX for {$130.00} on XX/XX/2025, using Klarna. On XX/XX/2025, part of my order was cancelled. The portion of the order that was cancelled was {$79.00}. I got an email XX/XX/2025, confirming that part of my order was cancelled. I physically went into XXXX XXXX XXXX to look for an alternative and spoke to a representative who advised that I was not charged for any cancelled items. The remaining portion of my order totaled {$54.00} for sneakers and this was shipped to me. My issue is that Ive paid {$56.00} on my order with XXXX XXXX XXXX ; however the remaining balance owed to Klarna still reflects {$83.00}. I have paid the total amount of the item I received, and the remaining portion should have been cancelled. Im not disputing any interest that accrued from XXXX time it took me to pay off the item I received and the total balance owed to XXXX XXXX XXXX. My concern is that I am still being charged for items I did not receive. I also tried to contact Klarna for assistance, and they told me to contact XXXX XXXX XXXX after providing them with the confirmation email from XXXXXXXX XXXX XXXX showing that part of my order was cancelled in XXXX. Please help me have the remaining balance removed for items I did not receive. Im happy to pay the interest due on the {$54.00} I should be charged from XXXX, but Im not paying anything additional because again I DID NOT RECEIVE ANY ADDITIONAL ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: SC

Complaint narrative:
After notifying Discover that an account was not mine, they responded that the account was verified based on activity tied to a phone number ending in XXXX. This number does not belong to me, has never belonged to me, and Discover was notified of this fact. 

Following that notification I obtained direct confirmation from XXXX XXXX showing that the number ending in XXXX is an active XXXX XXXX line assigned to another individual, and has remained active with that carrier since XXXX. This email thread shows that Discover relied on information connected to someone else when claiming verification of the account. The official XXXX XXXX response that I am attaching confirms this. ( If you wish to authenticate this email sent by XXXX, please submit a FOIA request to the XXXX XXXX XXXX before dismissing it as not true ). The number ending in XXXX is also tied to other fraudulent accounts and once appeared on my credit report. At no point has Discover presented documentation that links this account to verifiable contact information, address information, or financial information belonging to me. 

I am requesting permanent removal of this account from my credit history based on the evidence presented. I have active fraud investigations and a police report on file. Discover can not verify this account using data that has been proven to be associated with another person. That is not verification and does not satisfy the standard required to attribute an obligation to a consumer. 

During this process I also discovered that fraudulent bank accounts have been opened using my identity as well as my spouse. Discover did not specify which bank account made payments on the disputed account and did not confirm where any associated card or cards were mailed. These are essential details that would demonstrate attribution and they remain unaddressed. The absence of that information combined with the documented ownership of the referenced phone number confirms that the account can not lawfully or accurately be connected to me. 

I am asking Discover to immediately recall this account from collections and remove it from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 been working with the XXXX XXXX XXXX XXXX XXXX Represenative XXXX XXXX on the issue since XX/XX/year> after filing a report with CFPB in XX/XX/year>. She acknowledges there mistakes and said she was going to fix it. As per her the company 's credit department have sent over letters to the credit bureaus to fix the issue with the negative reporting. Transunion had taken it off, but the put it back on with longer late payments 120 days dropping my score XXXX and keep coming back verified, Equifax is constantly coming back verified and I am also disputing with the letters that was given to me by XXXX XXXX XXXX XXXX XXXX XXXX Please contact The Bureaus to see why does this keep happening and ruining my credit. according to the 15 USC 1666bThank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a payment on my credit card {$15000.00} on XXXX XXXX, and after that the bank restricted my access to the card. I can no longer pay for my purchases, and they are not allowing me to do anything about it. I do not understand the reason for this or why it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NC

Complaint narrative:
The company previously acknowledged potential fraud. 
CFPB now shows the company stating it can not respond to the complaint or address the issue. 
A company that can not investigate or respond can not lawfully verify or report this account. 
Continued reporting violates FCRA 607 ( b ), 611 ( a ), 623, and 605B. 
I am demanding immediate deletion, not further review.

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 2025-12-28 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: NC

Complaint narrative:
The company previously acknowledged potential fraud. 
CFPB now shows the company stating it can not respond to the complaint or address the issue. 
A company that can not investigate or respond can not lawfully verify or report this account. 
Continued reporting violates FCRA 607 ( b ), 611 ( a ), 623, and 605B. 
I am demanding immediate deletion, not further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
I am disputing serious inaccuracies on my Experian credit report. Experian is reporting charged-off accounts and late payments without ensuring the information is complete, accurate, and verifiable, which is a direct violation of the Fair Credit Reporting Act. 

XXXX Accounts XXXX Account XXXX. XXXX Opened XX/XX/XXXX XXXX {$1100.00} XXXX Account XXXX. XXXX Opened XX/XX/XXXX XXXX {$1500.00} XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance {$380.00} XXXX  XXXX Account No. XXXX Opened XX/XX/XXXX XXXX {$160.00} These accounts show conflicting balances and reporting statuses when compared to other bureaus. Experian has a legal obligation to verify the accuracy of this information using more than automated responses. If Experian can not produce documentation proving the legitimacy and accuracy of these accounts, they must be removed. 

XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX / XXXX Account XXXX. XXXX XXXX / XXXX Account XXXX. XXXX These late payment entries are misleading and materially harmful. Reporting negative payment history without proper verification is unlawful. I am demanding immediate correction or deletion of these entries.

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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal, this is the company of XXXX  three months ago, took away my privileges of adding my card to XXXX XXXX. Ive called multiple times and I requested multiple different cards. None of them are delivered directly to my home. They keep saying that they keep being sent back to PayPal that is not my fault because of that the last time that Ive been able to use any funds in this account was almost 3 months ago. I have called them multiple times to request that they remove any blockages. They have placed on my account and they keep telling me that they can not do anything meanwhile I put over XXXX {$500.00} to {$800.00} a week in this account and now you guys are telling me that I cant do anything with my own XXXX money. These people should be shut down. They let random companies come in and take my from my card even when ITS LOCKED. Then when you call to dispute they want to make it impossible to get the help you need. Why do companies even exist like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I am submitting this complaint as a consumer disputing inaccurate and unverifiable items on my Experian credit report. Despite prior efforts, these accounts continue to be reported without proper validation, which is causing harm to my credit profile. 

XXXX Accounts in Dispute XXXX XXXX  Account No. XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXXXXXX XXXX XXXXXXXX Account No. XXXX ( Opened XX/XX/XXXX, Balance {$0.00} )

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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.According to USC 15 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with the credit bureaus and its coming back verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the original contract bearing my signature and explanation of the amount and how it was calculated.

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 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/year> I paid my XXXX XXXX card ( aka, Comenity Financial Bread Financial ) in full then closed the account. I called the number on the back of my card and verified with the agent I spoke to that there were no additional fees owed. 3 months later I began getting calls from an entity that identified themselves as Comenity Bank asking for late fees from that account. I explained to that agent that my account had been paid in full and that I was assured there were no additional fees. They insisted I owed {$40.00} and that they needed to collect. I asked for written proof of this matter. As of XX/XX/XXXX I have not received that proof and now I am receiving harassing calls from unidentified numbers I believe to be connected to this bank. The numbers Im receiving calls from are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Caller I am currently homeless and living with family. These calls are very disruptive to the household. Being a veteran dealing with other medical challenges, its equally disruptive to my mental health. 

I am trusting youll be able to help with this matter. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
To Whom It May Concern I Am writing to formally dispute the accuracy and complenteness of the auto loan account listed on my consumer credit report under the Fair Credit Reporting Act 15 U.S.C. 1681. 

XXXX XXXX XXXX / XXXX Date Open XX/XX/XXXX XXXX Balance XXXX This Account is being reported inaccurately and / or without proper verification and / or without proper verification. Under FCRA 611 ( 15 U.S.C. 1681i ), i have the legal right to dispute any information that is inaccurate, unverifiable or misleading. 

i am requesting that you : XXXX. Conduct a reasonable investigation into this matter, and XXXX. Provide written proof that this account has been vertifed with original documentation, incuding but not limited to : XXXX signed or promissory note bearing my signature. Complete payment history. Proof of legal ownership and authority to report this debt. If the furnisher can not proper verification within XXXX day period required by law, this account must be deleted from my credit report. 

Additionally, reporting unverifiable or inaccurate information violates FCRA 623 15 U.S.C. 1681s-2 ) Please correct or remove this account immediately if compliance can not be met. 

Please send me written comfirmation of results of your investigation. Thank You for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XX/XX/year> XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : Equifax Issue : Credit reporting / Identity theft / Dispute investigation failure What happened am filing this complaint because Equifax is improperly refusing to investigate and block fraudulent accounts that I have disputed as identity theft, despite my submission of all documentation required by federal law. Equifax has refused to reinvestigate the following fraudulent accounts, stating that they were previously disputed twice within 90 days and that additional relevant information is required Card 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  I am a victim of identity theft. For each of these accounts, I have already provided valid FTC Identity Theft Report A police report A sworn identity theft affidavit Government-issued drivers license Proof of address This documentation meets the definition of an identity theft report under 15 U.S.C. 1681a ( q ) .Under 15 U.S.C . 1681c-2 ( a ), once a consumer reporting agency receives an identity theft report, it is required to block the reporting of fraudulent information and may not refuse investigation on the basis that a dispute is repetitive or previously submitted. Equifaxs refusal to act constitutes noncompliance with the Fair Credit Reporting Act, resulting in continued inaccurate credit reporting, improper attribution of debt, and ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
The money in my bank account doesn't make sense. With my transactions and no one can explain why I'm missing {$150.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GFS II, LLC
State: MD

Complaint narrative:
I am requesting a complete payment ledger and accounting for my auto loan. 
I originally requested this information in writing, and the company acknowledged my request in XXXX, stating it was in the queue to be processed. However, I never received the ledger. The company directed me to its website, but the online portal only shows a basic payment history and does not provide a full accounting of how payments were applied, a breakdown of fees, insurance charges, repossession fees, reinstatement charges, credits, or a running balance. 

There was a prior repossession of my vehicle, after which I paid to retrieve and reinstate the vehicle. At that time, the company stated that additional repossession-related fees were added to my account that were allegedly not paid at retrieval. However, I was never provided with a detailed ledger or itemization showing what fees were charged, how much was paid, what remained outstanding, or how those amounts were applied to my balance. 

I have since sent multiple follow-up emails requesting a complete payment ledger, including XXXX XXXX days ago and another yesterday, and I have received no response. 

I am currently approximately 35 days past due, and the company has indicated that it intends to repossess my vehicle again, despite failing to provide the requested accounting that is necessary for me to verify the balance and the legitimacy of the charges being claimed. 

I am requesting a full itemized payment history and explanation of all charges to determine why the balance has not been reduce since I purchased the vehicle

Company response to consumer: Closed with explanation