vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Subject : Cash App Suspended My Verified Account Without Explanation or Access to Funds Company : Block, Inc. ( Cash App ) What Happened : Cash App suspended my account without providing any explanation or specific reason. My identity has already been verified through the app, but I was recently prompted to re-verify my identity even though I had completed that process previously. I complied with all identity verification requirements and have not violated any terms of service to my knowledge. 

Despite reaching out to Cash App Support multiple times, I have not been given a clear reason for the suspension or a timeline for resolution. The only responses Ive received are automated messages asking for the same information Ive already submitted. 

This situation has caused financial inconvenience, and I am concerned about the lack of transparency regarding the suspension. If my account is permanently closed, I request that any remaining funds be released or returned to my linked bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 2025-10-28 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: NY

Complaint narrative:
I am sending to follow up on my prior dispute submitted under the Fair Credit Reporting Act ( FCRA ) concerning multiple accounts on my credit report that continue to be inaccurately reported as Late or Open despite being paid, closed, or otherwise unverifiable. 

These accounts in question are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the credit reporting agencies for failing to uphold their obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My consumer rights have been violated through inaccurate reporting, negligent reinvestigation, and unauthorized inquiries that continue to damage my credit reputation and financial stability. The reported items below reflect serious compliance failures by data furnishers and the bureaus, which require immediate reinvestigation and correction under federal law. 

Account : XXXX - XXXX XXXX Date Opened : XXXXBalance Owed : $ XXXXIssue : Late Payment This account contains false late payment data that has never been verified by the furnisher with proper documentation. Under FCRA 1681i ( a ) ( 1 ) ( A ), the bureau must reinvestigate disputed information with complete verification from the original furnisher. No such documentation has been produced in prior rounds, therefore this tradeline remains unverifiable and inaccurate. The continued reporting of unsubstantiated late payments harms my creditworthiness and violates 1681e ( b ) which requires maximum possible accuracy. Delete or correct immediately. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Each of the inquiries listed above was made without my knowledge, authorization, or permissible purpose as defined under FCRA 1681b ( a ). Reporting or allowing these inquiries to remain without verification violates 1681b ( f ) which prohibits any user of consumer reports from obtaining information without legitimate intent. These inquiries constitute unauthorized access to my consumer file, directly impacting my credit standing. I demand full deletion of these inquiries unless you can provide complete documentation, including date, purpose, and signed authorization as required by federal law..

These inaccurate items collectively demonstrate a systemic failure in data accuracy and consumer protection enforcement. The bureaus and furnishers involved have neglected to maintain accuracy, verify disputed data, and ensure lawful access to my consumer report. Each violation continues to harm my financial reputation and creditworthiness. I am requesting the Consumer Financial Protection Bureau to investigate these matters thoroughly and compel the reporting agencies and furnishers to immediately remove all inaccurate, unverifiable, and unauthorized items from my file. The continued noncompliance with the FCRA and FDCPA warrants immediate regulatory review and enforcement action.

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 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I tried to contact the companies they said someome was on my account i never authorized and they said they couldn't do anything about it seems like fraud to me

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 2025-10-28 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification.

Any documentation or evidence used to support the accuracy of the disputed items.

I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-10-28 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification.

Any documentation or evidence used to support the accuracy of the disputed items.

I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion has my log in info now they won't let me get pass the create account.its frustrating and I can't even log in my equifax

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 2025-10-28 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: IN

Complaint narrative:
I am submitting this 5th expedited follow-up complaint regarding multiple inaccurate late open accounts and billing errors reported on my credit file. Despite previous disputes, these accounts continue to reflect inaccurate information that does not reflect my actual payment history or account status. I am requesting that the credit reporting agencies conduct a thorough reinvestigation and promptly correct all errors in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$400.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2400.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} Upon review, these accounts have been inaccurately reported as having late payments and incorrect opening dates. Such reporting violates my rights under multiple federal statutes : FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : Requires a prompt and reasonable reinvestigation of disputed information. The bureaus have failed to resolve these disputes accurately.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy. These errors demonstrate failure to meet this obligation.

FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Obligates furnishers to correct and update information once inaccuracies are identified.

FCRA 609 ( a ) ( 15 U.S.C. 1681g ) : Grants me the right to disclosure of sources and verification of disputed accounts to ensure accuracy.

FCRA 616617 ( 15 U.S.C. 1681no ) : Allow for legal remedies if the bureau willfully or negligently reports inaccurate information.

FCBA 1666 ( 15 U.S.C. 1666 ) : Protects consumers from billing errors, misapplied payments, and inaccurate reporting, ensuring prompt correction upon notification. 
The XXXX XXXX account inaccurately reflects late payments and incorrect opening dates. 
The XXXX account is being reported with an inaccurate payment history and misreported activity dates. 
The XXXX XXXX account is similarly misreported with incorrect late open status. 
These reporting errors are materially harming my credit profile and violate the statutory requirements of both the FCRA and FCBA. I am therefore requesting immediate correction of these accounts to accurately reflect my payment history and account opening dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I am seething with anger over the inclusion of false or undocumented information in my credit report. Unproven claims are intolerable, violating the FCRA and XXXX XXXX data field reporting standards. I demand concrete evidence for allegations and accurate reporting in accordance with the law. Provide physical proof or remove the account immediately. Send physical documentation and an updated report. 
Your lack of accountability infuriates me! False information in my credit report triggers intense anger. Unsubstantiated claims insult me. Comply with laws. Provide evidence or remove the account now. Mail physical proof and an updated report. 

CAVALRY PORT - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI : strata elite card. 

I applied for this credit card XXXX months ago. I was using it fine with no problems. I pay a XXXX dollar credit card bill. A few days later XXXX locked out of my CITI STRATA ELITE account. I call, no help until next day because fraud department is closed for the day. I call the next day. They told me my account is locked until I submit a XXXX form to Citi bank XXXX I thought that XXXX card only would be affected. I TRIED USING MY ( XXXX ) OTHER CITI CARDS. ALL OF THEM DECLINED AND XXXX LOCKED OUT OF MY ACCOUNTS. I use my cards responsibly. Have a XXXXXXXX XXXX XXXX XXXXITI has accepted XXXX forms and cleared other people and a few days later have closed all their accounts.

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX refunded me for an order, and they transferred my refund to my PayPal account on XX/XX/XXXX. I had to submit my account number and routing number in order to get my account credits I had in XXXX to be sent to my original payment method, but when I call PayPal to let them know XXXX refunded me, I'm being told that they don't see a refund from XXXX on XX/XX/XXXX. PayPal told me it only takes 1-5 business days for a transfer, and it has already passed that 1-5 day deadline, and still I have not gotten my refund. Somebody is not being honest. Both companies are giving me the runaround. I want my money back. Every time I ask XXXX for a payment transaction ID, they tell me they don't have that. I feel it's a possibility the transfer may be stuck, or maybe there is some sort of bank glitch, or, as previously stated, somebody is not being honest. I made sure I entered the right banking and routing number information to XXXX to assure I get my money back. I need PayPal to investigate my issue and get my money back. I would like a supervisor to look into my issue. The refund amount was {$66.00}. I spoke to seniors/supervisors at XXXX, but they aren't doing anything to investigate my issue. All they tell me is my refund was sent to my bank. I would like to add that every time I get on the phone with PayPal, it seems like they are recording my conversation ; there's always an echo on my phone. Once I get into a deep conversation with the banker on the phone, the echo goes away. They are being weird.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX -- {$2400.00} UNAUTHORIZED INQUIRIES : XX/XX/2024XX/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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good day, This letter serves as aformal follow-up and reinvestigation requestregarding the bankruptcy that continues to appear on my credit file. I have already disputed this item with all three major credit bureaus, andXXXX  has completed its investigation and permanently deleted the bankruptcy, confirming that it could not be verified. 
Thank you for your prompt attention to this matter. I expect a full response and reinvestigation results within30 daysas mandated by the FCRA.

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 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing ( SPS ) is unfairly attempting to foreclose on my home, despite my good-faith efforts to complete a mortgage modification. 

I fell behind on my mortgage and applied for a modification. Before the modification, my monthly payment was {$1100.00}. SPS offered a trial modification that required XXXX consecutive monthly payments of {$1500.00}, made by certified funds. I successfully made those trial payments. 

On XX/XX/year>, SPS offered me a permanent modification, with a new payment of {$1500.00} per month. I was instructed to sign and return the documents by XX/XX/year>, which I did. 

After sending the signed documents, I still had questions about the terms and sent an email to both SPS Customer Service and the SPS Ombudsman asking if my payment could be reconsidered to be closer to the original {$1100.00} amount. I received no response to that email. 

Later, I was told that my modification was closed because SPS claimed they did not receive all required documents, even though I had returned what was requested. I spoke with XXXX from the SPS XXXX XXXX, who advised that once I resubmitted the missing documents, I would be able to make payments online and be reconsidered for the modification. 

However, on XX/XX/year>, I was informed that SPS is now requiring certified funds for XXXX through XXXX ( XXXX months ) at the new modification amount in order to be reconsidered even though the delay was caused by their failure to communicate and their claim that my paperwork was incomplete. 

I believe SPS is acting unfairly by complicating the modification process, ignoring my communication, and pushing my account toward foreclosure despite my full cooperation and willingness to pay. I want to pay XXXX, and XXXX but they are XXXX that despite me resending in the modification documents that their is no guarantee that it would be honored and I cant afford to risk it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Formal Dispute of Inaccurate Reporting LVNV FUNDING LLC To Whom It XXXX Concern, I am disputing the accuracy of the following account appearing on my credit file : Creditor : LVNV FUNDING LLC Original Creditor : XXXX XXXX XXXX XXXX. This tradeline is reported inaccurately, inconsistently, and unlawfully, in violation of the Fair Credit Reporting Act. Grounds for Dispute 1. Unverifiable Delinquencies FCRA Section 611 ( 15 U.S.C. Section 1681i ) : This account reflects lates extending past the last recorded activity, which can not be independently verified. Unless Transunion obtains original, verifiable documentation from XXXX XXXX XXXX, this account must be deleted. XXXX. Contradictory Status & Dates FCRA Section 607 ( b ) : The account reflects a current balance while marked Over 120 Days Past Due, and the reported Date of First Delinquency does not align with the payment history. This is materially inaccurate and misleading. 3. Accoriding to The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), ( b ), and 1681i. And The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e, 1692f, 1692g. I Demand chain of custody documents -The original creditor. -The date and details of assignment/sale. -That they have legal title to the debt. 4. Failure of Furnisher Duties FCRA Section 623 ( a ) ( 1 ) ( A ) : LVNV FUNDING LLC has failed its statutory obligation to ensure accuracy in reporting, as the tradeline continues to show contradictory and unverifiable data. Demand for Resolution Pursuant to FCRA Section 611, I demand that this account be permanently deleted from my credit file unless full, verifiable account documentation is produced within 30 days. Generic electronic data transmissions or unverifiable records are not legally sufficient. Failure to comply will result in formal complaints to the CFPB, FTC, and Virginia Attorney Generals Office, and pursuit of civil remedies under FCRA Section 616617 for negligent or willful noncompliance. - If LVNV FUNDING LLC fails to provide any of the information requested. I demand the complete deletion from my credit report. I expect written confirmation of deletion or reinvestigation results within 30 days. Sincerely

Company response to consumer: Closed with explanation