vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
In XXXX of 2023 my Cash app account was closed for no reason. my account was still active with {$500.00} in the account that I used for my childrens extra curricular payments and I had no way of getting back into it because they had completely closed it down and the numbers for customer service was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MS

Complaint narrative:
Reviewing my credit report and noticed several fraudulent accounts that I didnt recognize but they are greatly affecting 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 2025-04-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 



Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT IMMEDIATELY .... 

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
On XX/XX/year>, submitted a dispute regarding several inquiries on my report, requesting that these be investigated. On XX/XX/year> received acknowledgement of acceptance of my disputes, while on XX/XX/year>, received additional correspondence claiming that 4 of the 6 inquiries that I disputed were labeled as frivolous. Accordingly, I flat out reject the notion that these are frivolous and they should be submitted for investigation. When a financial institution rejects an application for unable to verify identity, they can not be allowed to publish this negative information on a consumer report, because, as the rejection states, identity can not be verified.

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 2025-04-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this formal complaint to request an immediate investigation into fraudulent mortgage assignments and false merger claims involving XXXX XXXX XXXX. ( dissolved XX/XX/year>, per XXXX Letter # XXXX ) and EverBank Reserve Mortgage LLC XXXX XXXX XXXX XXXX XXXXXXXX ). 

Key Violations : Fraudulent Post-Dissolution Assignments XXXX XXXX XXXX. ceased to exist on XX/XX/year> ( OCC termination ). 
Despite this, mortgage assignments continue to falsely list XXXX XXXX  as an assignor. 
Violations : 12 U.S.C. 1817 ( j ) ( Dissolved banks can not transfer assets ) 18 U.S.C. 1005 ( False entries in bank records ) Some assignments falsely claim XXXX XXXX " merged '' with EverBank/XXXX XXXX XXXXXXXX XXXX 
No such merger was ever approved by the OCC or FDIC. 
Violations : 18 U.S.C. 152 ( Bankruptcy fraud ) 12 U.S.C. 1828 ( k ) ( False merger filings ) This constitutes fraudulent foreclosure practices and deceptive banking conduct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: PR

Complaint narrative:
On Tuesday, XX/XX/XXXX, I used Affirm to make a purchase in XXXX. Right away, XXXX cancelled the loan but Affirm didnt. I called next day and they told me that in fact the loan was cancelled and the hold will be release and it wasnt. The payment was posted and they told me they cant do the refund because its system generated, that I have to wait until XX/XX/XXXX to the loan fell off and get my refund. But that wont happen. Because it happened one time in XXXX and they told me it would take 60 days which it went by and I had to call for them to cancel the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern, This letter is to inform you that I am formally demanding you cease and desist all communications with me regarding any alleged debt ( s ) you claim I owe. This includes, but is not limited to : Telephone calls Letters Emails Text messages And reporting or continuing to report any information regarding this alleged debt to any consumer reporting agency, including XXXX, XXXX, or XXXX. 
As stated in 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a written notice is sent instructing a debt collector to cease communication, you are legally obligated to comply. 
Furthermore, according to 15 U.S.C. 1692a ( 2 ), the FDCPA defines a communication as the conveying of information regarding a debt directly or indirectly to any person through any medium. It is my position, and legal precedent supports, that reporting to a credit bureau qualifies as a form of communication. 
Therefore, if you continue to report this alleged debt to any consumer reporting agency after receipt of this letter, you will be in violation of the FDCPA. 
Please also note : I dispute the validity of the alleged debt. 

I am requesting you provide full validation of the debt per 15 U.S.C. 1692g ( if you havent already done so ). 
Any further attempt to communicate or report will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I reserve the right to pursue legal remedies available under federal and state law. 
This notice applies to all creditors and third-party debt collectors with whom I am listed in collection status, including XXXX XXXX , Portfolio Recovery Associates , and any subsidiaries or agents acting on your behalf. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXXXXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/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 2025-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XXXX2025 I requested from navy federal credit union, 1. A complete ledger of the loan account including all charges, payments, interest, and discharges applied.

2. The original promissory note and any endorsements or transfers of interest.

3. Proof of lending authority and capacity of Navy Federal Credit Union ( source of funds ).

4. Full disclosure of accounting methods in compliance with TILA, FDCPA, and UCC Article 9.

5. Full Validation of debt.

6. A superior first claim of lien rebuttal over my first claim and superior lien. Navy federal responded with past billing statements and a generic promissory note, non original of what was requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX  I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX Balance {$850.00} XXXX XXXX XXXX Balance {$54.00} XXXX  XXXX Balance {$6200.00} XXXX XXXX Balance {$6200.00} XXXX XXXX XXXX Balance {$27000.00} XXXX XXXX XXXX Balance {$9900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX Balance {$13000.00} XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance {$40000.00} XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$130.00} XXXX  XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance {$480.00} XXXX  XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$300.00} XXXX  XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX  XXXX Balance {$2000.00}

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am filing this complaint against TransUnion for their failure to conduct a proper investigation into a dispute I submitted regarding inaccurate and incomplete information on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed a dispute letter to TransUnion challenging the accuracy of a bankruptcy entry on my credit report. Specifically, the bankruptcy is reported with only the court name ( which is incorrect ) and a filing date, lacking complete and verifiable details as required by the FCRA. Additionally, my credit report contains incorrect addresses that further damage my creditworthiness. 
In my dispute letter, I included all required documentation to verify my identity per FCRA guidelines, including a copy of my government-issued ID, my Social Security card , and proof of address. Despite complying with these regulations, TransUnion responded dated XX/XX/year> by stating, " We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. '' This response is unjustified, as I provided sufficient proof of identity, and their refusal to investigate constitutes a clear violation of my consumer rights under the FCRA. 
TransUnions failure to investigate and correct these inaccuracies has caused significant harm to my financial standing and creditworthiness, as well as extreme stress to my well-being. I mailed a second dispute letter on XX/XX/year>, reiterating my concerns and attaching the same identity verification documents, in hopes of resolving this issue and preventing further delays. 
TransUnion violated the FCRA by : Failing to conduct a reasonable investigation into my dispute, as required under 15 U.S.C. 1681i. 
Refusing to process my legitimate dispute despite my compliance with identity verification requirements. 
Continuing to report incomplete and inaccurate information ( bankruptcy details and incorrect addresses ) that does not meet FCRA standards for accuracy and completeness.

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 2025-04-10 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: MD

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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
Your Name Your Address City, State, ZIP Code Phone Number Email Address Date Amsher Collection Services Attn : Debt Validation Department XXXX XXXX XXXX XXXX, AL XXXX Re : Debt Validation Request Account Number : [ Your Account Number ] Amount : [ Amount of Debt ] Dear Sir/Madam, I am writing in response to the collection notice I received from your agency regarding the above-referenced account. I am requesting that you validate this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), Section 809, which gives me the right to request written verification of this debt.

Please provide the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of the original signed agreement or contract that obligates me to pay the debt.

4. An itemized statement of the debt, including any interest, fees, and charges that have been added.

5. Documentation showing that your company is authorized to collect on this debt.

6. Any other information that substantiates your claim.

Until you have provided me with this information, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies.

Please send your response to the address listed above within 30 days of receiving this letter. If you are unable to validate the debt, I expect all collection activities to cease, and the account should be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
I asked all XXXX  credit companies to provide me with the same information. None of them could or have. They closed the pending investigation after I received a letter with my requests on it.

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 2025-04-10 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: PA

Complaint narrative:
I asked all XXXX  credit companies to provide me with the same information. None of them could or have. They closed the pending investigation after I received a letter with my requests on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: MD

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 2025-04-10 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: MI

Complaint narrative:
according to the fair credit reporting act im entitled to a fair and accurate consumer report. under sec. 15 usc 1681 s-2 experian is in violation of FCRAs laws whit toyota financial account

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: WA

Complaint narrative:
The same thing like XXXX, I tried countless amounts of times to get my credit reports from Innovis and the system saying " it's unable to get my request, '' especially when all my personal information is correct!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX money was sent via cashapp for a product & it was never received. 
Spoke to cashapp support and they're refusing to do anything about the fact that I was scammed

Company response to consumer: Closed with explanation