vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I am writing to formally complain about Square, Inc.s unexplained hold on funds belonging to my business and deactivation of my account without notice or reason, This hold has severely impacted my business operations and, in my view, constitutes an illegal and damaging withholding of my property.

Summary of the Issue On XX/XX/year>, my business processed payments through Square as usual. However, I was notified that my funds were being withheld with no clear explanation provided. I have not received a satisfactory explanation or timeline for the release of my funds. 
Terms of service state that Square may withhold funds if it determines a business is especially risky, but also that reserves should be reasonably determined and subject to review based on payment history and other factors. My business has not been informed of any specific violations, excessive chargebacks, or compliance issues that would justify such a hold. Furthermore, I have not been provided with any documentation to appeal the process or to challenge the decision.

The withholding of these funds has caused immediate and significant harm to my business, including damage to my reputation and customer relationships Requested Resolution I request the immediate release of all funds currently being held, or at the very least, a detailed written explanation specifying : The exact reason ( s ) for the hold The amount being held and the expected release date The process for appealing or challenging this decision If I do not receive a satisfactory response I will be forced to pursue further action, including but not limited to : Filing additional complaints with the Consumer Financial Protection Bureau, and my states Attorney General Consulting legal counsel regarding Squares potential violation of state and federal regulations concerning the unlawful withholding of business funds Initiating arbitration or legal proceedings as permitted under your terms of service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX NC XXXX ACCOUNTS : 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 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
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I am filing a formal complaint regarding the inaccurate and inconsistent reporting of an account by XXXX XXXX ( XXXX XXXX ), account ending in XXXX, across the three major credit bureaus : TransUnion, Experian, and Equifax. Despite multiple disputes submitted over the course of several months, this account continues to be reported with materially different information across each bureau, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Balance Discrepancy : TransUnion and Experian report a balance of {$360.00}, while Equifax inaccurately reports {$190.00}. Credit Limit Discrepancy : TransUnion and Experian report the correct credit limit of {$400.00}, while Equifax reports {$0.00}, significantly damaging my utilization rate and credit score. Payment History Discrepancy : Equifax reports 30/60/90-day late payments in early 2023, while TransUnion and Experian show an on-time payment history for the same period. Comments : Each bureau reflects conflicting dispute comments, with no resolution or consistent reinvestigation findings. I have also received automated and stall letter responses from the bureaus that claim : They could not verify my identity The dispute appears to be from a third party The account was verified as accurate without conducting any meaningful reinvestigation These responses are unacceptable, especially considering I have included all necessary identification and proof of residency with every dispute. This is a clear violation of : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 623 : Furnishers duty to report correct and complete information FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion of negative information without notification

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 2025-06-26 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: CT

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-26 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: CT

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I have no idea who had this bill as I did not. When I called this company earlier this year they were rude but told me theyd mail Me the proof which I never received. I only knew about the debt because I looked at 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 2025-06-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC
State: IN

Complaint narrative:
During signing I was told that if I would ask for an early payoff it would align more with the amount used to payoff my debts. When I asked for a payoff a year later I was told otherwise. That the loan officers didnt inform me correctly and that the signed contract stated otherwise. I was mislead into signing.

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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I was charged six separate overdraft fees of {$34.00}, totaling {$200.00}. These fees were triggered by small purchases, including items under {$12.00}, and in some cases, multiple overdraft fees were assessed in a single day. While I opted into overdraft protection, I did not receive real-time alerts or warnings that I was overdrawing my account. 
According to CFPB guidance and enforcement actions, practices like transaction reordering, failing to provide timely overdraft notices, and charging multiple fees for small-dollar transactions may be considered unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531, 5536 ).

Breakdown of the overdraft charges : XX/XX/XXXX : {$34.00} fee for {$11.00} at XXXX XX/XX/XXXX : {$34.00} fee for {$6.00} at XXXX XX/XX/XXXX : {$34.00} fee for {$11.00} at XXXX XX/XX/XXXX : {$34.00} fee for {$40.00} XXXX purchase XX/XX/XXXX : {$34.00} fee for {$76.00} XXXX purchase XX/XX/XXXX : {$34.00} fee for {$310.00} XXXX XXXX payment I attempted to resolve this directly with Chase, but they refused to reverse any of the charges. I believe these practices violate the CFPBs standards for fair banking and request a full refund of {$200.00} in overdraft fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters toTRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ, for {$250.00}. appeared on my account. I did not order or received anything from this company. I contacted XXXX XXXX and they stated that a refund will be sent to my card. I sent a letter to CEO of Chase, and I have not received any acknowledgement from them. I made many inquiries but has been forth coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express continues to inaccurately report a charged-off account as past due each month, which is factually incorrect and a violation of the FCRA. Once account is charged off, it can not continue to accrue new monthly delinquencies. This monthly re-aging is damaging my credit and inflating the negative impact. Despite multiple disputes, they have failed to correct the information. I demand this be investigated and corrected immediately. If not, I will escalate with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
My credit report includes entries for accounts that I have no knowledge of and did not create. These accounts are fraudulent and are negatively affecting my financial credibility.

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 2025-06-26 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Company charges me for monthly debt I have no idea of. Its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-26 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: SC

Complaint narrative:
I am filing a formal complaint regarding the inaccurate and inconsistent reporting of an account by XXXX XXXX ( XXXX XXXX ), account ending in XXXX, across the three major credit bureaus : TransUnion, Experian, and Equifax. Despite multiple disputes submitted over the course of several months, this account continues to be reported with materially different information across each bureau, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Balance Discrepancy : TransUnion and Experian report a balance of {$360.00}, while Equifax inaccurately reports {$190.00}. Credit Limit Discrepancy : TransUnion and Experian report the correct credit limit of {$400.00}, while Equifax reports {$0.00}, significantly damaging my utilization rate and credit score. Payment History Discrepancy : Equifax reports 30/60/90-day late payments in early 2023, while TransUnion and Experian show an on-time payment history for the same period. Comments : Each bureau reflects conflicting dispute comments, with no resolution or consistent reinvestigation findings. I have also received automated and stall letter responses from the bureaus that claim : They could not verify my identity The dispute appears to be from a third party The account was verified as accurate without conducting any meaningful reinvestigation These responses are unacceptable, especially considering I have included all necessary identification and proof of residency with every dispute. This is a clear violation of : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 623 : Furnishers duty to report correct and complete information FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion of negative information without notification

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 2025-06-26 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: SC

Complaint narrative:
I am filing a formal complaint regarding the inaccurate and inconsistent reporting of an account by XXXX XXXX ( XXXX XXXX ), account ending in XXXX, across the three major credit bureaus : TransUnion, Experian, and Equifax. Despite multiple disputes submitted over the course of several months, this account continues to be reported with materially different information across each bureau, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Balance Discrepancy : TransUnion and Experian report a balance of {$360.00}, while Equifax inaccurately reports {$190.00}. Credit Limit Discrepancy : TransUnion and Experian report the correct credit limit of {$400.00}, while Equifax reports {$0.00}, significantly damaging my utilization rate and credit score. Payment History Discrepancy : Equifax reports 30/60/90-day late payments in early 2023, while TransUnion and Experian show an on-time payment history for the same period. Comments : Each bureau reflects conflicting dispute comments, with no resolution or consistent reinvestigation findings. I have also received automated and stall letter responses from the bureaus that claim : They could not verify my identity The dispute appears to be from a third party The account was verified as accurate without conducting any meaningful reinvestigation These responses are unacceptable, especially considering I have included all necessary identification and proof of residency with every dispute. This is a clear violation of : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 623 : Furnishers duty to report correct and complete information FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion of negative information without notification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: AZ

Complaint narrative:
The Receivables Management Partners , LLC blindly sent me a picture of my personal medical information via text not verification of the recipient. This should violate hippa and the privacy of my personal information. Please follow up on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted a {$1500.00} payment to my BMO credit card. I received an official payment confirmation number : XXXX, and my balance was updated to {$10000.00}, confirming the payment had been received. 

I called BMO twice to confirm the transaction, and both representatives told me the payment had successfully gone through. Additionally, BMOs automated phone system ( XXXX ) continues to confirm that the {$1500.00} payment was received on XX/XX/XXXX. 

However, on XX/XX/year> ( seven days later ), I received a notice that the payment was returned due to insufficient funds from my originating bank ( XXXX XXXX ). This delay in notification, along with continued confirmation from BMOs systems and representatives, led me to believe the payment was fully processed. At no time was I notified that the payment was still pending or at risk of rejection.

I believe BMO misrepresented the status of the payment and failed to exercise due diligence in confirming or communicating the actual status. This mishandling puts me at risk of late fees, interest charges, and potential credit score damage for a situation that I could have corrected had I been informed promptly.

I request a formal investigation and that BMO remove any penalties or negative impact this situation may have caused.

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