vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: MI

Complaint narrative:
On XX/XX/year>, I made my first sale through Square for {$25.00}. When I attempted to withdraw my funds, Square locked my account citing identity verification issues. 
I contacted Square support and was told I needed to provide government-issued ID to verify my identity. I explained that I dont have a government ID and only have my Social Security number, which should be sufficient since I used it to set up the account initially. 
Support told me the only options were : ( 1 ) provide ID I dont have, ( 2 ) change my legal name to my mothers name so she could verify with her ID, or ( 3 ) create an entirely new account. All of these solutions are unacceptable. 
I was transferred between multiple support agents over the course of an hour. Each agent gave me different explanations - first it was an identity verification issue, then it became an unusual activity review that would take 2 business days.

The buyer has already received the physical product I sold. Square is holding my payment while I have lost both the product and the money. Their automated system flagged a completely legitimate first sale as suspicious activity.

Support repeatedly stated they could not help me and that no supervisor could expedite the review. I am unable to access funds I legally earned through a completed transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am writing to formally demand resolution of an improperly handled billing dispute related to a {$720.00} XXXX charge on my Apple Card. 

I initially disputed this charge in 2023 after I was unable to travel to my destination due to a tropical storm affecting the XXXX. As a result of the storm, the Bahamian government cancelled all vessel travel, including my scheduled ferry from XXXX XXXX to the XXXX. XXXX was therefore legally impossible, and I did not stay at the XXXX property. 

I provided documentation showing the ferry cancellation and the natural disaster. Despite this, Goldman Sachs has repeatedly closed the dispute without substantively addressing the fact that the service was not rendered due to circumstances beyond my control. Each resubmission has resulted in the same outcome, without a meaningful evaluation of force majeure or impossibility of performance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am demanding the immediate removal of false address information being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XX/XX/year> ) and XXXX XXXX XXXX, XXXX, CA XXXX ( XX/XX/year> ). I have disputed these addresses multiple times, yet they continue to be reported without correction or proper investigation. My only valid address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Reporting inaccurate personal information violates the Fair Credit Reporting Act, including the requirement to follow reasonable procedures to ensure maximum possible accuracy. The continued reporting of false address information is causing harm to my credit profile and increases the risk of identity misuse. I am requesting that the CFPB intervene to require the immediate deletion of these false addresses and confirmation that my credit file reflects only my correct address going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime I had a Chime account but switched accounts and had an outstanding balance of approximately {$600.00} owed to Chime ; however, they are claiming I owe approximately {$2300.00} which is absolutely incorrect. This is highly affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I authorized a debit card transaction in the amount of {$5700.00} with a used motor vehicle dealer operating as XXXX XXXX XXXX. I authorized the charge based on representations made by the dealer regarding the condition and functionality of the vehicle being sold. 

After the transaction, it became clear that the vehicle did not function as represented. This was not a matter of buyers remorse. The transaction was induced by false representations, and the dealer failed to deliver a working vehicle consistent with those representations. 

I attempted to resolve the issue directly with the dealer, but the dealer refused to remedy the issue or issue a refund. 

I then disputed the transaction with my bank, Wells Fargo Bank , N.A . Wells Fargo provisionally credited my account on XX/XX/year>. On XX/XX/year>, Wells Fargo denied the dispute solely because I could not provide a refund acknowledgment, credit voucher, or voided transaction receipt. 

The dealer never issued a refund, and therefore such documentation does not exist. Denying a dispute based solely on the absence of documentation controlled by the merchant does not reflect a reasonable investigation of misrepresentation or failure to deliver goods. 

I am requesting regulatory review of Wells Fargos handling of this debit card dispute and its compliance with applicable consumer protection requirements.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent credit reporting by Capital One Bank USA, N.A. 
The account is currently reported as open, yet reflects multiple late payment notations ( XX/XX/year> days past due ) during XXXX XXXX XXXX while surrounding months are reported as current with no clear past-due balance continuity. Additionally, the reported high balance of {$700.00} exceeds the established {$500.00} credit limit without itemized explanation or documentation. 
Capital One has verified this information after prior disputes, however the reporting remains contradictory and incomplete, lacking clear delinquency substantiation and accurate balance progression as required under the Fair Credit Reporting Act. 
I am requesting that Capital One conduct a proper reinvestigation and either correct the inaccurate late payment history and balance reporting or remove any unverifiable negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. A Capital One account reporting a closed balance of {$780.00} was fraudulently opened and is not the result of any transaction authorized by me. 

I submitted a complete identity-theft package to Capital One, including an FTC Identity XXXX Report, government-issued photo identification, Social Security card, and a written statement explaining the identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), once a furnisher receives proper identity-theft documentation, it must cease reporting the fraudulent account and coordinate with consumer reporting agencies to ensure the account is blocked and removed. 

Despite receiving this documentation, Capital One failed to take corrective action and continues to furnish inaccurate information to the consumer reporting agencies. Capital One has instead treated this matter as a routine dispute rather than an identity-theft claim, which is inconsistent with its obligations under federal law. 

Capital Ones continued furnishing of this fraudulent account constitutes inaccurate reporting, a failure to conduct a reasonable investigation, and noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NJ

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. 
My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. 
These errors are having a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay.

Resolving this issue is not only necessary, it is critical.

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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am filing this complaint against Equifax for failing to maintain reasonable procedures to ensure the maximum possible accuracy of the information in my credit file, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). 
> Chronology of Violation : * On XX/XX/year>, I sent a second formal dispute and validation demand to XXXX XXXX XXXX XXXX XXXX ( the furnisher ) via Certified Mail XXXXXXXX XXXX  Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, a collector MUST cease all collection activityincluding reporting to credit bureausuntil verification is provided. * Despite my timely dispute, XXXX XXXX XXXX reported this unverified account to your agency on XX/XX/scrub>XXXX XXXX XXXX Furthermore, the item is not marked as " Disputed, '' which is a violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ). This is a clear case of " debt parking '' and coercive reporting. Since the furnisher ignored a legal stay on collection to place this on my report, the information is inherently unreliable and unverified. I demand the immediate removal of this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Capital one business card, I have used for my business 4+ years. Declining purchases because they say my balance exceeds their metrics of my spending habits. I'm not late on payment, my balances are paid in full every month on the XXXX. My balance is lower this month than previous months. I've ask XXXX XXXX  to explain what their metrics for determining this, and asked for a written explanation. They can't explain what the metrics are, and they say they can't send me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I have been working on my credit as a newcomer to understanding how important it is. While on my XXXX  account I came across the " Surge credit card '' as a possible building tool for credit. I applied and I received it. The credit limit was {$750.00}. I used it beginning XX/XX/XXXX. I would get little things. But I didn't want the usage rate to go up so I stopped using it and began just paying on it at the end of XXXX. From that point on all the account shows is me making payments and them sending it back then a charge for sending it back even though I can prove beyond a doubt that the money was there. Then there are the late fees for which I was not late. Now the Balance is {$1000.00} and after explaining to someone who was supposed to be management he says : " Yeah well I can see what happened here and I wish I spoke to you sooner. For now, all that I can say is that the card will be closed on XXXX. XXXX. So, you can just continue to make minimal payments, or you can pay it all. 

Is there anything that can be done to protect the XXXX  people? I even offered to pay the everything minus the ridiculous fees which after talking with them on multiple occasions and hearing nothing concrete to help avoid the situation or even make a proper payment as all the advice hadn't worked, I thought was fair enough. Still, I was told there is nothing I can do. PLEASE ADVISE

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 2025-12-22 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: FL

Complaint narrative:
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 2025-12-22 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:
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 2025-12-22 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: UT

Complaint narrative:
Eastern Account Systems is reporting and attempting to collect a XXXX telecommunications debt for XXXX XXXX that does not belong to me. I have never opened, used, or authorized any XXXX XXXX account. I disputed this account with XXXX and XXXX, and it was verified without any documentation proving ownership or authorization. Reporting and attempting to collect a debt that is not mine constitutes inaccurate credit reporting under the Fair Credit Reporting Act and improper collection activity under the Fair Debt Collection Practices Act. I am requesting immediate deletion of this account from all credit bureaus and correction of my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: IN

Complaint narrative:
The student loans from XXXX XXXX are well over 10 years old. I have been on a repayment plan of {$0.00} a month for a long time now due to my financial status. I would like the loans forgiven and removed from all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: WA

Complaint narrative:
Several companies accessed my credit report without my authorization, which has negatively impacted my credit score. I contacted Experian and was told these inquiries would be removed, yet they are still appearing on my credit report. These unauthorized inquiries are causing significant stress and concern, as they suggest possible identity theft in addition to the damage being done to my 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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$630.00}

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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: GA

Complaint narrative:
I am writing to formally dispute an inaccurate account that has been incorrectly reported under my personal credit file. Creditor : Oxygen XL Account Number : XXXX Amount Reported : {$1400.00} This account is not my personal debt. It is a business-related obligation and I am not personally liable for this account. The reporting of this debt under my personal credit profile is inaccurate and misleading. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting that this account be investigated, corrected, and removed from my personal credit report immediately. Please provide written documentation demonstrating my personal liability for this debt, including a signed agreement or guarantee bearing my name and signature. Absent such documentation, this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief