vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im am filing this complaint because Experian, Equifax, and TransUnion have completely ignored my disputes and documentation. They continue to report false, inconsistent, and unauthorized accounts under my name, including XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  AND MORE all containing conflicting dates, wrong balances, and unverifiable payment histories.

Their inaction violates FCRA 602A, 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 2 ) ( A ) and 809 ( b ). Theyve ignored their duty to investigate, verify, and correct. Ive followed every rule while theyve broken every law meant to protect me.

Becuse of their negligence, Ive faced credit denials, emotional distress, XXXX, and humiliation. Im tired of being ignored while they profit from false data that damages my life. This is willful noncompliance, not oversight and Im demanding full accountability.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
My cashapp account was blocked incorrectly for a XXXXXXXX XXXX transaction where I put my nickname " from the XXXX XXXX '' in the subject line. This happened XX/XX/year> and I still can not access my money or account. I have answered the email they sent initially asking about the transaction but no other correspondence has been sent to me from them. Ive spoken to cashapp reps who say it's been escalated but we're going on XXXX  days, it would only take XXXX minutes to see they made a mistake. I have all my money in this account and I can't access it at all. Things are being disconnected and I'm behind on my bills because of this. Please someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: NY

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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( hard inquiry XXXX XXXX ( hard inquiry XXXX  ( hard inquiry XXXX XXXX ( hard inquiry XXXX XXXX  ( hard inquiry XXXX XXXX ( ). has violated my rights. 

I looked at my XXXX  credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. 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 1681i ( 5 ) they are suppose to do this : ( 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. 

And according to 15 USC 1681s-2 they are suppose 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
I am sending to formally dispute multiple items appearing on my consumer credit report that are inaccurate, unverifiable, or misleading. This request is made under the Fair Credit Reporting Act ( FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), 605 ( a ) ) and the Fair Debt Collection Practices Act ( FDCPA 807, 809 ). I request a full reinvestigation of each items and written verification of your findings within 30 days. Any items that can not be fully verified must be deleted. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX Social Security Number XXXX Date : [ Insert Date ] I, XXXX XXXX XXXX declare under penalty of perjury that I am a victim of identity theft. Unauthorized accounts, inquiries, and/or negative items have appeared on my credit report that I did not open, authorize, or benefit from. These items are fraudulent and must be deleted from my credit file pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, Section 605B ), which requires consumer reporting agencies to block and remove information resulting from identity theft when proper documentation is provided. 

I did not apply for, open, or authorize the accounts listed below. These accounts were created by an unauthorized individual misusing my personal information. This written statement is made under 28 U.S.C. 1746, in lieu of a notarized affidavit, as permitted by federal law.

Please note that the address on my government-issued identification is an old address and is no longer in effect. My current address is listed above, and proof of this address Acknowledge and correct my address information, as my government-issued identification displays an old address that is no longer in effect. My current address, which should be used for all correspondence and verification, is provided at the top of my declaration and supported by the attached proof of residence. 

Accounts to be deleted XXXX. Allied Collect Serv Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX Requested Actions XXXX. Investigate and permanently delete all accounts, inquiries, and public records identified above that are the result of identity theft or can not be verified as legitimate. 
XXXX. Block reappearance or reinsertion of these fraudulent items in my credit file, as required under FCRA 605B ( b ) and FCRA 611 ( a ) ( 5 ). 
XXXX. Provide written confirmation of the deletion and the results of your investigation within the time required by law. 

This declaration and accompanying documents constitute my formal Identity Theft Report under federal law. Pursuant to the FCRA, you are required to block and delete unverifiable or fraudulent information within XXXX  days of receiving this notice. 




Executed on : XX/XX/XXXX Signature : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Property was sold — 
Company: FirstCash, Inc.
State: LA

Complaint narrative:
This complaint is a continuation of CFPB XXXX # XXXX, which was closed without resolution. Since that time, new evidence has surfaced and the matter has escalated to an active XXXX Crimes investigation with the XXXX Police Department ( Report # [ insert new report number ] ). 

In XX/XX/year> I pawned my XXXX at Cash America Pawn, a subsidiary of XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, IL. At the time of the transaction, the pawnshop requested and recorded my personal passcode directly on the pawn receipt, granting the company access to my device and data. The XXXX was later resold without being erased, and I have since suffered identity theft, fraudulent credit applications, and debit-card fraud traced back to that device. 

Despite filing police reports, sending a XXXX XXXX XXXX to the companys legal office, and attempting to resolve this matter through proper channels, the company has failed to take responsibility or provide restitution. Instead, I received a No Trespass Notice from its legal department after filing my complaints, which I believe was retaliatory and intended to intimidate me. 

I am requesting that the CFPB reopen or re-examine this case due to the continuing identity theft and financial harm directly resulting from XXXX XXXX XXXX mishandling of my personal data after obtaining my XXXX passcode. The companys conduct demonstrates negligence in safeguarding consumer information and retaliation against a consumer complaint. 

Requested Relief : Compensation of {$7500.00} for financial and emotional damages Written proof of data deletion from the resold XXXX Corporate compliance review of pawned-electronics data-handling procedures Assurance that all personal data accessed using my passcode has been permanently erased Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I fully paid off my vehicle loan that was previously in collection more than six months ago. The collection agency confirmed that the debt was paid in full and closed, but XXXX XXXX XXXX, the original lender, has not updated the account status on my credit report. It still shows as unpaid or with a balance, which is inaccurate and negatively affects my credit score. 

I have already disputed this issue with Experian, and they informed me that XXXX did not update or verify the account correctly. I have also contacted XXXX but have not received any response or correction. 

I am requesting that XXXX immediately update my credit report to reflect the correct status of this account as Paid in Full or Closed and remove any negative or delinquent information that is no longer accurate.

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 2025-11-05 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: FL

Complaint narrative:
This letter serves as a formal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and FTC regulations for immediate deletion and compensation related to multiple verified violations in my credit file ( Report Date : XX/XX/year>, XXXX ID XXXX ). 

Violations Identified : Continued re-aging and charge-off reporting by XXXX XXXX after account closure ( FCRA 623 ( a ) ( 5 ) ). 

Unauthorized reinsertion of previously deleted debt by XXXX XXXX XXXX ( FCRA 611 ( a ) ( 5 ) ( B ) ). 

Duplicate and inconsistent charge-off reporting by XXXX XXXX and XXXX XXXX XXXX FCRA 607 ( b ) ). 

Failure to update bankruptcy notation and XXXX balance XXXX XXXX XXXX XXXX ( FCRA 623 ( a ) ( 2 ) ). 

Excessive and impermissible inquiry activity initiated by XXXX XXXX and TransUnion Interactive ( FCRA 604 ( a ) ( 3 ) ( A ) ). 

These inaccuracies constitute willful noncompliance with FCRA and FTC rules, causing measurable harm to my credit profile and lending opportunities.

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 2025-11-05 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: IL

Complaint narrative:
LVNV FUNDING LLC - XXXX XXXX {$630.00} Reported onto my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
Noticed I have a first mortgage and a second mortgage. First home treated refinance as if I was just purchasing my instead of fha streamline re no cash out. However the refi was suppose to pay off everything only leaving me with 1 mortgage. My terms have changed and I have two mortgage companies I am dealing with XXXX XXXX  mortgage loan number XXXX First home mortgage : refi, treated as if just purchased home however I have a XXXX and first mortgage like to explain how and why does first home mortgage XXXX XXXX called continues to be involved in loan info when XXXX XXXX  suppose to services and lender. Please show proof of check paid to us bank to pay off 1st mortgage and the lien that should have been included and the home equity line of credit of line of credit taken out without my knowlege ( XXXX XXXX  XXXX XXXX included, hud, harbel housing. Need closing documents. Check you all first home mortgage alleged paid us bank off with XXXX. Explain why does it not show I did refi in XXXX md met XXXX XXXX time to sign refi and yet my name dates appear on forms that I am not aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: AL

Complaint narrative:
I have been a user of Cash App for several years. For well over XXXX XXXX, I have been unable to order a replacement debit card after my previous card was unable to be retrieved due to a malfunctioning ATM. Every time I attempt to request a new card in the app, I receive an XXXX XXXX. Please try again later ' message. 

I have contacted Cash App support no less than XXXX  times over the past year regarding this issue. Each time, the support agents provide a generic, non-responsive answer, stating only that I can not get a card and that they have no further information. They refuse to provide a reason for this restriction. 

This appears to be an internal account restriction or a 'soft ban ' that has been placed on my profile without my knowledge or any explanation. My account remains active for other transactions, but I am permanently locked out from a basic feature of the service, which is receiving a linked debit card. 

Cash App support has been completely unable and unwilling to resolve this issue or even diagnose its cause for over XXXX  months. I believe my consumer rights are being violated by being denied access to a service feature without justification or a path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
XXXX Payment Due Date Not Communicated The most major item that was never communicated to us was our XXXX  payment being due only a couple days after closing. After speaking to multiple people, it seems like the interest should have been prorated from seller to buyer, and now we're left with paying an entire monthly mortgage payment when we didn't even live in the home. We moved into the home and owed a payment a couple days later. Were looking to be refunded for the month of interest that we just paid for when we didnt even own the home for most of XXXX. 

No Lender Instructions to Attorney about Interest / Assumption The attorney that we worked with mentioned that they often didn't receive instructions from lenders, and we did not receive any information from Freedom about this payment. We were caught off guard as far as when the payment was due. 

Repeat Requests Multiple times throughout the process, we had to resend the same documents over and over. Items that we sent to XXXX were then re-requested by XXXX. And similar requests through underwriting as well. While there were some clarification items that we shared, we had to send tax returns, XXXX, explanation letters, over and over.

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 2025-11-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is reporting a fraudulent XXXX XXXX XXXX XXXX account that does NOT belong to me. I did not open, authorize, or initiate this account in any way. 

At the time this account was allegedly opened, I did not have a drivers license and did not even drive. 
I did not obtain a valid drivers license until XX/XX/XXXX. Capital Ones own policies do not allow anyone to obtain an auto loan without a valid drivers license. Because I was not licensed and did not even drive at the time, it is impossible that I legally opened or was approved for this loan. 

I disputed the account with all major credit bureaus. 
XXXX  completed its reinvestigation, verified this account was fraudulent, and removed it from my report. 

Despite this, Experian continues to report the account, claiming it is verified, but has never provided ANY proof, documentation, or signed agreement to support this account. Experian is refusing to remove it despite having no evidence that I opened it. 

This is a clear failure to comply with the Fair Credit Reporting Act ( FCRA ), including sections 602, 604, and 611, which require consumer reporting agencies to ensure information is accurate, verifiable, and corrected when disputed. 

Additionally, Experian is reporting the account as a charge-off with a written-off amount, but the balance, dates, and status are inconsistent and inaccurate. I requested : 1. Verification of the accuracy and completeness of all information reported 2. Documentation with my signature proving I opened the account 3. Removal or correction of the account if it could not be verified Experian has failed to provide any documentation. They continue reporting this false, harmful information to lenders, damaging my credit. 

Requested Resolution : I request CFPB intervention to require Experian to : 1. Conduct a lawful reinvestigation, 2. Remove this fraudulent XXXX XXXX XXXX XXXX account immediately, and 3. Provide written confirmation of results. 

I have supporting documents including proof of identity, my dispute letter, and screenshots showing that XXXX  removed the account as fraud. 

Thank you. 

My Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXDate: XXXX XXXX XXXXTo: Consumer Financial Protection Bureau (CFPB) and XXXX XXXX XXXX  Department Attn:XXXXCardmember Services XXXX XXXX XXXX XXXX  ND XXXXSubject: Complaint Regarding Unresolved Fraudulent Debit Card Charges  Case No.XXXX Account Number: XXXX XXXX XXXX XXXXDear CFPB and XXXX XXXX XXXX Investigation TeamXXXXI am submitting this complaint regarding fraudulent debit card charges linked to my XXXX XXXXXXXX  accountXXXXlisted above. I was not made aware of these unauthorized transactions until XXXX XXXX XXXX at whichXXXXpoint I immediately contacted XXXX XXXX  to report the fraud.XXXXXXXX XXXX responded that the transactions could not be disputed because more than XXXX  days had\npassed since they occurred. However, I was not aware of the charges until that date, and the account\nhad already been closed by the time I discovered the fraud.XXXXI have made multiple attempts to resolve this matter directly with XXXX XXXX, but I have not received anyXXXXmeaningful assistance or consideration as a fraud victim. I am therefore requesting that the ConsumerXXXXFinancial Protection Bureau (CFPB) review this case and forward this complaint to XXXX XXXX for furtherXXXXinvestigation and resolution.XXXXPlease investigate these charges as unauthorized under the Electronic Fund Transfer Act (RegulationXXXX). I did not authorize these transactions, nor did I provide my debit card or account information to anyXXXX XXXXI respectfully request that XXXX XXXX XXXX Provide written confirmation of receipt of this dispute; XXXXConduct a full investigation into the fraudulent activity; and XXXX. Issue a provisional credit for the disputedXXXXamounts while the investigation is in progress.XXXXPlease contact me at the address above or at my phone/email on file if additional information orXXXXdocumentation is required.XXXXXXXXThank you for your attention to this matter and for assisting in protecting consumers from financialXXXXXXXXfraud.\nSincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation