vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX 
Attn : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Dear Square Customer Support, I am writing to formally file a complaint regarding the prolonged hold of my funds in my Square account. I have been trying to resolve this issue for over two years, but despite numerous inquiries and attempts to resolve the matter, Square has continued to withhold my funds beyond the initial XXXX period stated in your policies. 

Here are the key details of my situation : Account Name : XXXX XXXX Account Number/Email Address Associated with Account : XXXX Date Funds Were Held : XX/XX/XXXX Amount of Funds Held : {$95.00} Date of Last Communication/Attempt to Resolve : XX/XX/XXXX I have reached out multiple times to your customer support team since XXXX, but the issue remains unresolved. I have followed all necessary steps to verify my account and fulfill any requests you have made for documentation. However, my funds remain inaccessible, and I have not been provided with a satisfactory explanation or timeline for when the funds will be released. 

I am requesting the immediate release of my funds and a full explanation for the continued hold on my account. If this issue is not resolved within 7 business days, I will be forced to take further action, including but not limited to filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX the Consumer Financial Protection Bureau ( CFPB ), and considering legal options. 

Please treat this matter with urgency and provide a response within the next XXXX days. 

I look forward to your prompt attention to this matter and hope to resolve this issue as quickly as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NC

Complaint narrative:
Overview of Dispute I am disputing a damaging credit report entry from XXXX XXXX in early XXXX. Despite fully complying with an escrow shortage notice in XXXX XXXX a lump-sum paymentI was reported as delinquent, resulting in a XXXX drop in my credit score. 

This report stems from unclear and misleading communication in the XXXX XXXX XXXXXXXX XXXX. XXXX XXXX has denied responsibility and refused to correct the impact, despite my strong payment history and good-faith efforts. 

I've maintained good standing on my loan, with no prior late payments. This incident reflects a communication failure, not borrower negligence. 

Issue XXXX : Ambiguous Language in Escrow Statement The Escrow Disclosure states : " The escrow shortage amount will automatically be spread over 12 months. Your new monthly payment will be {$1000.00}. '' Nowhere does it clearly explain : " Even if you pay the full shortage, your monthly payment will still increase due to projected tax/insurance changes. '' This created a reasonable expectation that a full shortage payment would prevent a monthly increase, yet that was not the case. 

Issue XXXX : Confusing FAQ and Payment Coupon Language The FAQ reads : " If you pay the total shortage, your monthly payment will no longer include the shortage collection amount. '' The coupon adds : " My new monthly mortgage payment will be adjusted to reflect the new monthly escrow deposit. '' These imply the payment will stabilize if the shortage is paid in full. Nowhere does it say the payment will still increase regardless. 

XXXX Mortgage 's Response On XX/XX/XXXX, I received a call from XXXX XXXX XXXX of the Executive Team. She stated : " The communication is clear. '' " The payment was late. '' " The Credit Reporting Act requires us to report it. '' " We can't change what was reported. '' She did not acknowledge the confusing language or XXXX 's confirmation in the escalation team that other customers had the same concern. I followed all internal steps in good faith but was given no path to resolution. 

Summary of XXXX XXXX XXXX XXXX  's records show consistent, on-time payments from XXXX through XX/XX/XXXX, including multiple months with more than XXXX payment. I paid the full escrow shortage of {$1100.00} on XX/XX/XXXX. The only payment marked late occurred in early XXXX after the escrow change. 

I haven't had a late payment reported to credit bureaus in over twenty years. While I haven't been with XXXXXXXX XXXX that entire time, my record with them has been cleanno prior delinquencies. This was an isolated incident, clearly tied to miscommunication.

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 2025-03-26 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 non-monetary relief
Consumer complaint received 2025-03-26 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I have fraudulent accounts on my report. Please remove these accounts from my report, as they are hurting my ability to obtain credit.

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 2025-03-26 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: MS

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 2025-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
XXXX is a % of daily sales, not a fixed amount. Please review. 

The approved XXXX XXXX XXXX for {$30000.00} is related to your XXXX account XXXX. 

Please, send me an email to XXXX or call me at 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Since the beginning of XXXX I havent been able to get a copy of my Equifax credit report I have made numerous attempts to solve the issue but no success they asked me to send a copy of my ID AND SOCIAL SECURITY NUMBER hopefully files a complaint with CFPB will get someone to do there job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-26 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-03-26 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: 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 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 2025-03-26 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Subject : Urgent Complaint Fraudulent Account on My Credit Report Dear CFPB, I am a victim of identity theft, and my personal information was stolen and used without my authorization. As a result, a fraudulent account has appeared on my credit report. 

Fraudulent Account Details : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Revolving ( Charge Account ) Account Status : Closed Date Opened : XX/XX/year> Original Balance : {$2700.00} ( Current Balance : {$0.00} ) Monthly Payment : {$96.00} Reporting Bureau XXXX Equifax This account does not belong to me and was never opened, authorized, used, or paid for by me or anyone in my family. I have never signed any agreements or contracts related to this account. 

I previously disputed this fraudulent account with the credit bureaus, yet it still remains on my Equifax report. I am attaching all relevant documents, including : My FTC Identity Theft Report Copies of my credit reports Any prior dispute correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
JEFFERSON CAPITAL IS ATTEMPTING TO COLLECT ON A DEBT THAT IS NOT MINE. IM ASKING FOR THEM TO STOP CONTACTING ME, AND TO REMOVE THEIR FALSE INFORMATION FROM MY CREDIT REPORT. MY INCOME IS FEDERALLY PROTECTED, AND I JUST WANT TO BE LEFT ALONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I filed a reversal for charges on my bank account with Wells Fargo customer service on the XXXX of XXXX. As shown in the documentation, the provisional credit was reversed on the XXXX of XXXX. 

On XX/XX/XXXX, I checked my bank account and saw the two charges from XXXX  : XXXX on XX/XX/year>, and XXXX on XX/XX/year>. Before that I contacted XXXX  and agreed to a box charge for the XXXX of XXXX in the previous month- XX/XX/year>. The agent, XXXX, confirmed my delivery and she confirmed that the price of a box would be credited to my account. 

The agent I spoke with specifically said : " The best thing I can do here is to process a credit which will automatically apply to your next full price box. '' Acting under this information, the credit would have applied to my delivery slated on XX/XX/year>. Yet I was charged anyway, as evinced in the document showing the remaining money on balance in the XXXX  website and the charges on my account. 

As for the premium recipe surcharge, I do not recall ordering anything with premium recipes on my order, and I don't understand why this premium recipe surcharge is almost half the price of a whole box.

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 2025-03-26 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-26 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: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-03-26 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have never done any business with LVNV Funding LLC and have asked multiple times to not contact me anymore. I have also asked for debt validation and still have not received it either. I don't believe I owe the debt and think that I may be a victim of fraud.

Company response to consumer: Closed with non-monetary relief