vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ), my Cash App Card was targeted with unauthorized charge attempts from XXXX for the amount of {$96.00} each time. These charges were flagged and declined by Cash App due to insufficient funds, which thankfully prevented processing but the repeated attempts indicate that my card information has been compromised. 

I contacted Cash App XXXX immediately and provided multiple screenshots from the Cash App transaction history, which show XXXX as the merchant attempting the charges on those dates. 

Instead of escalating this as a fraud concern or securing my account, Cash App : Repeatedly claimed they could not locate the charges Suggested that the issue was tied to XXXX Pay or Google Pay ( which is not accurate these charges appeared directly on my Cash App activity feed ) Refused to replace my metal Cash App Card unless I paid a {$50.00} fee, despite the fact that this situation stemmed from security issues beyond my control I made multiple attempts to get assistance, provide documentation, and request a fraud-related card replacement. Each time, I was either given generic responses or told the issue was resolved without any actual resolution. 

This behavior is unacceptable. I am now filing this complaint because : 1. I believe the company has failed to protect my account after repeated unauthorized activity.

2. They are forcing me to pay an unnecessary replacement fee for a metal card despite this being a security-related replacement.

3. They closed my support case prematurely, leaving me vulnerable to continued unauthorized charge attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX charged a fraudulent amount of {$210000.00} during closing payout to be able to get the house sold without disclosing any details of what this amount was. XXXX XXXX XXXX refused to speak to me during this time or provide any assistance to get any information following the same deceptive steps of the previous loan owner XXXX XXXX XXXX who locked me out of the house while sick during covid pandemia while the courts were not functioining changed the locks and prevented us from returning to the house claiming false expenses for protecting the house in the amount of {$16000.00} This is a screeshot from the court docket below : Principal Balance Interest from XX/XX/year> to XXXXXXXX XXXX XXXX  Pre-Acceleration Late Fees Tax Advances Hazard Insurance Advances Property Inspection Fees Property Preservation Fees {$77000.00} {$53000.00} {$0.00} {$28000.00} {$4000.00} {$830.00} {$16000.00} Total Debt : {$180000.00} per diem at XXXX XXXX XXXX {$20.00} I was living in the house without water, no heat some electricity Y will like to know what is the property preservation done while it costed me over {$10000.00} to return the water system as it was damaged by the lender hired help, same with the plumbing and windows, walls, floors, doors, bathrooms, kitchen basement fully destroyed at a cost of more than {$160000.00} in repairs to make the house habitable what are they claiming to be the protection given? 

Why XXXX Loan sERVICES can not they disclose with clarity and detail what was the payout of {$210000.00} requested by XXXX XXXX XXXX to Attorney XXXX XXXX in XXXX XXXX CT. 

Can they explain why there was a property preservation fee while the house was extremely damaged and made inhabitable for a human being. When I returned to the house I lived there without running water, heat, kitchen or working toilets has they had been removed by the lender as well as the stove, refrigerator and all my personal belongings but why I am still forced to pay property preservation expenses this is not morally right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: SC

Complaint narrative:
Anything about the debt. I disputed it in XX/XX/2025 and never received anything about the debt now its in collection. They never sent me the validated documentation yet continued the account to collections?!?! Ive also disputed this with XXXX XXXX and provided them with information that the debt was paid. 

XXXX XXXX XXXX XXXX ) XX/XX/2025, XXXX XXXX Hello XXXX, We received your notice of a dispute and paused all collection activity. We informed the account owner, XXXX XXXX. The investigation is ongoing. 


We will not resume collection activity until you have been provided with validation documentation.

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 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint because Equifax is currently not reporting a credit score for me. I have open and active credit accounts that are reported to the other credit bureaus, and I believe this may be an error or omission by Equifax. I request an investigation into why my credit score is missing and that Equifax provide a full update or explanation. Please verify all of my credit data and ensure my file is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal XXXX  card account opened at XXXX XXXX XXXX under multiple account numbers ; XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX account numbers and account names ; XXXX & XXXX & XXXX, XXXX  under multiple account numbers ; XXXX & XXXX, XXXX & XXXX XXXX XXXX account XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX account XXXX ; XXXX, XXXX XXXX under account number ; XXXXXXXX XXXX under multiple account numbers ; XXXX & XXXXXXXX XXXX  under account number XXXX XXXXXXXX XXXX XXXX  under account number ; XXXX XXXX These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned account, collection, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX & XXXX, as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BOK FINANCIAL CORP
State: AZ

Complaint narrative:
On or around XX/XX/year>, I applied for a physician mortgage loan through XXXX Financials Advanced Medical Professional ( AMP ) program, advertised to offer up to XXXX XXXX financing for eligible doctors ( including XXXX and XXXX ) based on an employment contract. Prior to applying, I was assured by the loan XXXX, XXXX XXXX, that my employment contractguaranteeing 30 % of productionhad been pre-cleared and would qualify under XXXX guidelines. 

On XX/XX/XXXX, I submitted my financial documentation. On XX/XX/XXXX, I opened a checking account with BOK and redirected my direct deposit there based on the understanding that I would be approved under the physician loan program. 

On XX/XX/year>, I received a prequalification letter for a conventional loan requiring XXXX XXXX down on an {$800000.00} purchase ( loan amount : {$640000.00} ). The letter made no mention of XXXX terms. I was then told underwriting required XXXX XXXX of income history, contradicting XXXX XXXX XXXX, which states flexible guidelines : you qualify based on your employment contract. 

I asked for clarification, underwriting rationale. I received no clear explanation. I believe this XXXX constitute a bait-and-switch and request CFPB XXXX into whether XXXX is misrepresenting physician XXXX terms or applying undisclosed underwriting overlays. 

I have documentation available, including marketing screenshots, the prequalification letter, and communication history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing multiple accounts across Experian, TransUnion, and Equifax that continue to report inaccurate, misleading, and unverifiable information, despite over XXXX months of formal disputes, documentation, and direct contact with each furnisher. I submitted proper documentation including FTC Identity Theft Affidavit, deletion request letters, and reinvestigation noticesyet the bureaus failed to conduct a reasonable, independent investigation as required under FCRA 1681i ( a ). 

Accounts include : XXXX XXXX ( XXXX, XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX, XXXX ) XXXX XXXX XXXX ( XXXX, XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX XXXX separate tradelines ) XXXXXXXX XXXX XXXX ( XXXX ) Each of these accounts contain XXXX or more of the following violations : Inaccurate balances and inflated charge-off amounts Re-aged Date of Last Activity in violation of FCRA 1681c ( a ) ( XXXX ) No XXXX tax form ever issued for supposed cancelled debts Inconsistent information across bureaus, violaXXXX XXXX  ( b ) Failure to mark the accounts as disputed, per 1681s-2 ( a ) ( XXXX ) Continued reporting of {$0.00} balance accounts as derogatory Duplicate reporting of the same XXXX  tradeline ( violation of XXXX XXXX and FCRA XXXX ( a ) XXXX XXXX ) ) XXXX was previously involved in litigation and agreed XXXX remove the tradelineyet it was reinserted without FCRA 611 ( a ) ( XXXX ) ( B ) notice I contacted each creditor individually. None were able to verify these debts with any original contracts, billing statements, accounting of charges, or chain of title, which are required under FDCPA 809 ( b ). Despite this, the bureaus continue to report these tradelines based solely on the furnishers word, without independent verification. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX  XXXX ), and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), CRAs must do more than parrot back whatever the furnisher says. They must independently evaluate disputes. These agencies have not. Instead, they are rubber-stamping repeated violations, harming my creditworthiness, and exposing themselves to statutory damages under FCRA 616 and 617.

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 2025-07-29 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: MA

Complaint narrative:
I am disputing multiple accounts across Experian, TransUnion, and Equifax that continue to report inaccurate, misleading, and unverifiable information, despite over XXXX months of formal disputes, documentation, and direct contact with each furnisher. I submitted proper documentation including FTC Identity Theft Affidavit, deletion request letters, and reinvestigation noticesyet the bureaus failed to conduct a reasonable, independent investigation as required under FCRA 1681i ( a ). 

Accounts include : XXXX XXXX ( XXXX, XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX, XXXX ) XXXX XXXX XXXX ( XXXX, XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX XXXX separate tradelines ) XXXXXXXX XXXX XXXX ( XXXX ) Each of these accounts contain XXXX or more of the following violations : Inaccurate balances and inflated charge-off amounts Re-aged Date of Last Activity in violation of FCRA 1681c ( a ) ( XXXX ) No XXXX tax form ever issued for supposed cancelled debts Inconsistent information across bureaus, violaXXXX XXXX  ( b ) Failure to mark the accounts as disputed, per 1681s-2 ( a ) ( XXXX ) Continued reporting of {$0.00} balance accounts as derogatory Duplicate reporting of the same XXXX  tradeline ( violation of XXXX XXXX and FCRA XXXX ( a ) XXXX XXXX ) ) XXXX was previously involved in litigation and agreed XXXX remove the tradelineyet it was reinserted without FCRA 611 ( a ) ( XXXX ) ( B ) notice I contacted each creditor individually. None were able to verify these debts with any original contracts, billing statements, accounting of charges, or chain of title, which are required under FDCPA 809 ( b ). Despite this, the bureaus continue to report these tradelines based solely on the furnishers word, without independent verification. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX  XXXX ), and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), CRAs must do more than parrot back whatever the furnisher says. They must independently evaluate disputes. These agencies have not. Instead, they are rubber-stamping repeated violations, harming my creditworthiness, and exposing themselves to statutory damages under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
XXXX XXXX XXXX has yet to provide the documentation necessary to verify that the alleged debt reported on my consumer credit report is accurate and valid. Over the past XXXX months, I have filed XXXX separate complaints with the Consumer Financial Protection Bureau ( CFPB ), and despite these efforts, the company has failed to produce any documents that substantiate their claim. 

Given their continued non-compliance, I am formally requesting that the consumer reporting agencies remove this account from my credit report. It is deeply concerning that XXXX XXXX XXXX has not followed the appropriate procedures to ensure consumers are protected from inaccurate reporting. I trust that the credit bureaus will take the necessary action to uphold the integrity of the reporting process and safeguard consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX has yet to provide the documentation necessary to verify that the alleged debt reported on my consumer credit report is accurate and valid. Over the past XXXX months, I have filed XXXX separate complaints with the Consumer Financial Protection Bureau ( CFPB ), and despite these efforts, the company has failed to produce any documents that substantiate their claim. 

Given their continued non-compliance, I am formally requesting that the consumer reporting agencies remove this account from my credit report. It is deeply concerning that XXXX XXXX XXXX has not followed the appropriate procedures to ensure consumers are protected from inaccurate reporting. I trust that the credit bureaus will take the necessary action to uphold the integrity of the reporting process and safeguard consumer rights.

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