vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: PA

Complaint narrative:
I am writing to request your assistance regarding my account, which has been locked. This issue arose after I completed a transaction where I included the note : from XXXX with love. 

To clarify, all of my transactions have taken place within the United States. The note was a personal expression reflecting my identity as a XXXX XXXX, not an indication that the funds originated from XXXX. 


Here are the details of the two transactions in question : Transaction ID # XXXX Payment I sent to XXXX for {$1000.00}. 

Transaction ID # XXXX Payment I received from XXXX for {$480.00}. 

I have already opened three support cases regarding this matter : Case # XXXX This case was closed because I was unable to respond within 3 days, but the issue was not resolved. 

Case # XXXX no response from cash app support Two additional cases remain open, but I have not received any email responses from your team. 

My account is still locked, which prevents me from accessing my funds or completing transactions. I kindly ask that you review my case urgently, provide guidance on the necessary steps to resolve this issue, and help me regain access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
b'Upon reviewing my credit reporti have came across several account that needs validation'

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 2025-09-05 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: FL

Complaint narrative:
b'Upon reviewing my credit reporti have came across several account that needs validation'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
XXXX consolidated and paid off my portion of a joint spousal consolidation loan in XXXX, {$48000.00}, Nelnet says it never happened. I have been paying on my new loans with XXXX since XXXX. Nelnet states that loans XXXX  XXXX and XXXX XXXX, in the XXXX XXXX XXXX, were never consolidated and that they still own them. This is reflecting on my Studentaid.gov balance as a duplicate loan since XXXX is also showing the balance. I have tried speaking to both servicers on several occasions and they both say there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I am writing to follow up my dispute about the items on my credit report, specifically incorrect addresses that do not belong to me. I have reason to believe that my personal information has been used fraudulently, and I have filed a report with the Federal Trade Commission ( FTC ), which I have enclosed for your reference. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX Lake XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX I believe these may be connected to fraudulent activity. Please remove these inaccurate addresses from my credit file and retain only verified, legitimate addresses associated with my account. 

The following hard inquiries appear on my credit report, but I did not authorize them : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, a transaction was made from my account that I did not authorize. I was unaware of this transaction until I later checked my account. I attempted to resolve the issue directly with the recipient to recover the funds, but that led nowhere. I then reported the issue to XXXX XXXX and waited a few days, but the dispute was declined. I submitted an appeal and eventually found out that the transaction from XX/XX/XXXX had been declined and canceled by XXXX XXXX on XX/XX/XXXX. However, when I checked my account and bank statements, I saw that the funds had not been returned. The money has not been credited back to me, and it appears that XXXX XXXX is still holding the funds without issuing a refund.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, a transaction was made from my account that I did not authorize. I was unaware of this transaction until I later checked my account. I attempted to resolve the issue directly with the recipient to recover the funds, but that led nowhere. I then reported the issue to Cash App and waited a few days, but the dispute was declined. I submitted an appeal and eventually found out that the transaction from XX/XX/XXXX had been declined and canceled by Cash App on XX/XX/XXXX. However, when I checked my account and bank statements, I saw that the funds had not been returned. The money has not been credited back to me, and it appears that Cash App is still holding the funds without issuing a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: OK

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I contacted XXXXXXXX XXXX  on XX/XX/year>XXXX  by phone and told them I need to dispute 3 charges {$400.00} and {$150.00} on XX/XX/year>XXXX  and {$200.00} on XX/XX/year> to a merchant due to not receiving product that was purchased. I told them I believe I was scammed because I did not receive my products and the business owner is not refunding me. I submitted text screenshots to show proof that I have tried to reach out to merchant. I received a letter on XX/XX/year> saying they are not able to dispute due to it being a purchase made through cash app and that I needed to contact cash app. I informed her I already spoke with cash app and even marked the charges as fraud ( which cash app can verify ) and was advised due to charges being made through my XXXX XXXX account I need to contact chase. XXXX is not willing to help and cash app says they can investigate but cant guarantee I can get my money back from this scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-05 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: CT

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/year> LVNV Funding LLC Re : Debt Validation Request Disputed Account [ XXXXXXXX XXXX XXXX XXXX XXXX ] To Whom It May Concern, This letter is being sent in response to your claim that I owe a debt to your company. I dispute this alleged debt in its entirety. 

You have not provided proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically : I have no contract or agreement with XXXX XXXX. 

You have not produced a signed contract or agreement showing that I am legally obligated to pay your company. 

The documents you provided do not establish a valid chain of assignment from the original creditor to XXXX XXXX. 

Without such evidence, you have not properly validated this debt. 

Until you provide full and complete validation, including a signed original contract and proof of ownership/assignment of the debt, you must cease all collection activities and remove any related reporting from my credit files. 

If you continue to pursue this alleged debt without proper validation, it will constitute a violation of my consumer protection rights, and I will report your company to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This letter is a formal notice of dispute. I request that all further communication regarding this matter be in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/scrub>XXXX  - Balance {$7300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-09-05 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: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-05 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:
Subject : Formal Dispute Deletion of XXXX  Account Creditor : XXXX XXXX Address Listed : XXXX XXXX XXXX XXXX, XXXX, IN XXXX Account Number ( last 4 ) : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Reported Balance : {$1700.00} High Credit : {$10000.00} Status : Charged Off / Closed by XXXX XXXX Date of Last Payment : XX/XX/XXXXXXXX  Dear [ Equifax/Experian ] Consumer Relations Department, I am writing to dispute the following inaccurate and fraudulent account currently listed on my credit report : Creditor : XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Account Status : Previously reported on my credit file On XX/XX/XXXX, I successfully disputed this account with XXXX, and their investigation confirmed that this account was inaccurate and should not have been reported. The item has been DELETED from my XXXX  credit file ( see enclosed copy of my TransUnion dispute results ). 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that Equifax/Experian promptly investigate and delete this same XXXX account from my credit report, as it has already been verified as inaccurate and removed by another national credit bureau .

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I am submitting this complaint regarding my American Express account, which was canceled while I was on XXXX XXXX military service and enrolled in the Servicemembers Civil Relief Act ( SCRA ) program. 

American Express confirmed my SCRA enrollment prior to canceling my account, which protects servicemembers from adverse actions, including account closures and negative credit reporting, under 50 U.S.C. 39014043. Despite this, my account was canceled, and I was not provided a resolution or escalation to the appropriate department to review my SCRA rights.

I have contacted American Express multiple times via chat and phone. Their representatives acknowledged my SCRA enrollment but stated they can not reinstate my account or reverse any potential negative reporting. They routed me to customer service or other teams that could not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This letter serves as a formal dispute of fraudulent accounts reported under my name. I never opened, authorized, or acknowledged these accounts, and their inclusion is inaccurate and harmful. Such reporting damages my financial credibility and is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: Paypal Holdings, Inc
State: LA

Complaint narrative:
Changed infirmation Wednesday XXXX XXXX i removed my debit card from XXXX  cause i lost it and i had order a new one. so i added my XXXX  and my bank account to XXXX  to transfer funds wich i did than XXXX hours later they suspend my account for unusual activity. i have sended everything they requested. but i still havent gotten any respond from them not even a we received your documents email. now they holding XXXX dollars unlawfully that i had sent to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Re : Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : XXXX XXXX & XXXX - XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX  XXXX According to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168 li of the Act, you have XXXX  days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety. 
Also, pursuant to 15 U.S.C. Section 168ld of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 1681j, there should no charge for this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: OK

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 explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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