vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 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: SC

Complaint narrative:
On XX/XX/year>, EQUIFAX received my formal identity theft blocking request submitted under the Fair Credit Reporting Act ( FCRA ) 605B. This submission was not a standard dispute under 611, but a formal demand for the blocking of fraudulent information resulting from identity theft. My package included all documentation required under 605B ( b ) : A copy of my government-issued ID Proof of current address ( bank statement ) A copy of my Social Security card A completed and signed FTC Identity Theft Report The fraudulent account identified in my credit report is : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX Account XXXX, Opened on XXXX, TRUIST Account XXXX, Opened on XXXX EQUIFAX confirmed receipt of my identity theft submission on XX/XX/year>, yet as of today ( well beyond 4 business days ), this fraudulent account remains on my credit report. This is a direct violation of FCRA 605B ( c ) ( 1 ) ( A ), which mandates that consumer reporting agencies must block all information resulting from identity theft within four business days after receiving proper documentation. Furthermore, EQUIFAX continued publication of information that it knows or should know to be false constitutes noncompliance with 623 ( a ) ( 1 ) ( A ), which prohibits furnishers or consumer reporting agencies from reporting information they know to be inaccurate. EQUIFAX failure to implement the required block also enabled continued data furnishing in violation of 623 ( a ) ( 5 ) ( A ), which requires furnishers to properly identify, suppress, and cease reporting accounts that have been confirmed as resulting from identity theft. By not fulfilling its blocking duty under 605B, EQUIFAX effectively allowed furnishers to continue transmitting fraudulent data undermining the legal protections Congress established to safeguard victims of identity theft. As a result, my credit report remains distorted, my credit score is artificially suppressed, and I continue to face unjust denials of credit and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Beginning in approximately XX/XX/XXXX through XX/XX/XXXX, unemployment benefit deposits totaling approximately {$13000.00} were issued to prepaid debit card accounts associated with my identity. After reviewing account records and transaction history, I discovered multiple discrepancies, unauthorized withdrawals, irregular account activity, and transactions that I did not authorize or recognize. The deposits included multiple unemployment benefit payments ranging from approximately {$160.00} to {$8700.00}. Suspicious activity involved accounts ending in XXXX, XXXX, and XXXX. I believe my personal identifying information XXXX have been used without authorization, resulting in potential identity theft and misuse of unemployment benefits. After discovering the activity, I reviewed available transaction histories and gathered supporting records regarding the deposits and withdrawals. I also filed reports regarding suspected fraud and requested investigations into the unauthorized activity. I requested that the involved parties review all debit card activity, ATM withdrawals, account access logs, replacement card requests, login history, device and IP records, and any related communications tied to the accounts. I am requesting a full investigation into the unauthorized transactions and account activity, preservation of all related records and electronic data, and written confirmation acknowledging receipt of this complaint. I also request that all disputed transactions and potential fraudulent activity be thoroughly reviewed and corrected as appropriate.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Mercury Financial Intermediate LLC
State: IL

Complaint narrative:
Beginning in approximately XX/XX/XXXX, I became concerned about communications associated with my Mercury credit card account and my ability to verify the legitimacy of account-related contacts. Beginning around early XXXX and continuing through the present, I received communications from multiple telephone numbers claiming to be associated with my account. Some calls appeared to originate from U.S.-based telephone numbers displayed in international dialing formats or formats that made it difficult for me to determine whether the communications were legitimate. Due to the increasing prevalence of identity theft, phishing schemes, caller-ID spoofing, and impersonation fraud, I became concerned about whether I was communicating with authorized representatives. During this period, I contacted Mercury to discuss my account and to seek clarification regarding account security, communication practices, and methods available to verify the authenticity of communications. I requested information regarding the company 's authentication procedures and the methods consumers can use to confirm that account-related communications are legitimate before sharing personal or financial information. Despite my efforts to obtain clarification, I remain concerned that the communication practices used did not provide a reasonable means for consumers to independently authenticate contacts. As a result, I became concerned that my personal information may have been exposed, compromised, or placed at increased risk due to inadequate consumer authentication controls. I am requesting that Mercury conduct a comprehensive review of my account and provide : XXXX. A review of all communications associated with my account beginning in XX/XX/XXXX. XXXX. Identification of all telephone numbers used to contact me. XXXX. Confirmation of whether any unauthorized activity occurred on the account. XXXX. Confirmation that my personal information was not improperly disclosed, accessed, or shared. XXXX. An explanation of the authentication procedures available to consumers receiving account-related communications. XXXX. A review of any recorded conversations, account notes, correspondence, and servicing records related to these concerns. XXXX. Written findings detailing the results of the investigation and any corrective actions taken. My objective is to determine whether my account information remains secure, whether all communications originated from authorized representatives, and whether Mercury 's communication and authentication practices adequately protected consumers from potential phishing, impersonation, or fraud-related risks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
FULL CFPB COMPLAINT PENNYMAC FAILURE TO PROVIDE REQUIRED DOCUMENTS ( RESPA VIOLATION ) Complaint Type : Mortgage Failure to Provide Required Documents/ Incomplete Response to Prior CFPB Complaint Company : Pennymac Loan Services Issue : Failure to provide documents requested under RESPA ; incomplete and misleading response to CFPB ; refusal to comply with federal disclosure requirements. Narrative I am filing this complaint because Pennymac Loan Services failed to provide the documents I requested under the Real Estate Settlement Procedures Act ( RESPA ) and provided an incomplete and misleading response to my prior CFPB complaint. On multiple occasions, I requested the following documents from Pennymac : 1. Full closing package 2. Closing cost disclosures 3. Written explanation for the removal of four creditors 4. Proof of payoff checks 5. Documentation supporting the changes made to my loan 6. Any internal notes or records related to my dispute Pennymac did not provide any of these documents. Instead, Pennymac submitted a generic response to the CFPB stating that they had responded, even though they did not address or fulfill my document requests. Their response did not include the required disclosures, did not answer my questions, and did not provide the records I am legally entitled to under RESPA. I submitted feedback to the CFPB on XX/XX/year> explaining that Pennymacs response was incomplete and did not resolve the issue. Despite this, Pennymac has still not provided the documents I requested. Pennymacs failure to provide these documents is a violation of : 1. RES PA 2605 ( e ) ( failure to respond to a Qualified Written Request ) ; 2. Regulation X ( 12 CFR 1024.36 ) ( failure to provide requested servicing information ) ; 3. Regulation X ( 12 CFR 1024.35 ) ( failure to correct errors or provide information related to servicing ) ; 4. Pennymacs incomplete response to the CFPB also constitutes : 5. Failure to comply with federal consumerprotection requirements ; 6. Failure to provide accurate information to a federal agency ; and 7. Failure to provide required disclosures related to my mortgage. I am requesting that the CFPB require Pennymac to : 1. Provide all documents I requested, including the full closing package, closing cost disclosures, payoff documentation, and internal servicing records ; 2. Provide a complete and accurate written explanation for the removal of four creditors and any changes made to my loan. 3. Correct any errors in my loan records. 4. Provide a complete response to my dispute, not a generic or incomplete statement. 5. Comply with all RESPA and Regulation X requirements. Pennymacs refusal to provide these documents has prevented me from understanding the servicing of my loan, verifying the accuracy of my records, and resolving my dispute. I am requesting CFPB intervention to ensure Pennymac complies with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of the debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Hi I'm looking at my new credit report today and I found this inaccurate fraud collection that was opened without my knowledge. This collection account name Fair Collections and Outsourcing was incorrect and shall delete from my credit report. I am aware that, as per 15 U.S.C 1692c and 15 U.S.C 1692g, you are required to delete this inaccurate collection 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 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
PLEASE NOTE : This XXXX account was originally opened under my former name, XXXX XXXX. My current legal name is XXXX XXXX XXXX. I am filing this complaint regarding XXXX XXXX XXXX and collection activity associated with an alleged balance of approximately {$1200.00}. I first became aware of this matter only after receiving a collection notice in the mail. Prior to that notice, I did not receive billing statements, phone calls, written notices, or communication advising me : - that a balance remained due, - that the account was at risk of being placed into collections, - or that the balance had reached approximately {$1200.00}. The collection notice itself also did not clearly state the amount allegedly owed. I only learned the balance amount after contacting XXXX directly. Once I became aware of the issue, I immediately contacted both XXXX and Source Receivables Management in good faith in an attempt to resolve the matter. During my phone conversation with Source Receivables Management, I explained that I had not previously received notice regarding the account and attempted to discuss resolving the matter. I was informed that it was too late to resolve the account. I previously attempted to resolve this matter directly with XXXX and spoke with a corporate resolution representative named XXXX on XXXX separate occasions regarding the balance and possible resolution options. During conversations with XXXX, I was informed that the charges relate to equipment costs incorporated into the contractual agreement rather than unreturned equipment. However, I continue to dispute the handling of the account due to the lack of notice and communication prior to collection escalation. I also specifically requested documentation showing prior billing notices or communications allegedly sent regarding this account. During my conversation with XXXX corporate resolution staff, XXXX, I was advised that I would need a subpoena to obtain those records. I also requested a copy of my original contract for my records. XXXX attempted to email the contract to me during a phone call, but I never received the email. I have consistently acted in good faith by : - promptly disputing the account, - communicating with XXXX and the collection agency, - requesting documentation,- and attempting to resolve the matter cooperatively. I am requesting : - investigation into the handling and communication practices associated with this account, - verification of alleged billing and collection notices, - fair review of the disputed balance, - and that the account not be negatively reported to credit bureaus while the matter remains under active dispute and review. This issue is particularly important because I am currently preparing for a mortgage/home purchase process, and inaccurate or unfair credit reporting could cause substantial financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: WA

Complaint narrative:
XXXX XXXX solicited on the streets of XXXX XXXX debit cards for listening to timeshare offers. This was refused and pressure tactics imployed to get people to sign up. I never signed up or used these services. They added my name to my wife, XXXX XXXX, who also never used or signed up for the services. Later the company tried to imply the services were never cancelled and tried to charge our credit more than {$3100.00} for a timeshare we knew nothing about and never used. This is an illegal act of fraud that was reported to the credit bureaus,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a {$3000.00} purchase from a clothing seller who ultimately did not have the items and was unable to ship them. The seller attempted to issue a refund multiple times ; however, each attempt was cancelled on their end. I have proof of these refund attempts. The seller instructed me to contact Cash App and file a dispute, which I did. Shortly after, my Cash App account was closed and my dispute was denied. I have submitted multiple disputes since then, but none have resulted in assistance or reversal. After my account was closed on XX/XX/XXXX, I contacted Cash App support to ask whether I could submit additional proof or have my case properly reviewed, since my appeal to reopen the account had already been denied. I was informed that there is no way to submit further documentation or escalate the case, and that the only option is to continue appealing for account reactivation. This call took place on XX/XX/XXXX. It has now been nearly XXXX months without access to my {$3000.00}. This situation has caused significant financial hardship, including missed rent payments and inability to pay for summer classes, which resulted in my being dropped from enrollment. At this point, my account is closed, my appeals have been denied, and I have no clear path to recover my funds or resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I am filing a complaint against Freedom Mortgage regarding an escrow refund check from my paid-off mortgage loan. I sold my property and closed on XX/XX/XXXX. After closing, Freedom Mortgage issued my escrow refund check to an incorrect address. I notified the company that the address was incorrect and requested that the check be reissued to the correct address. Despite reporting the issue, I have continued to experience delays and inconsistent information regarding the status of my escrow refund. I have repeatedly contacted Freedom Mortgage seeking assistance and documentation confirming the status of the original check and replacement check. A previous representative told me that the check was supposed to be re-issued on XX/XX/XXXX. XXXX, the supervisor told me that request was canceled. No one from the company reached out to me to notify me that the request was canceled so my money is just sitting in limbo and theyre holding onto my escrow money. Most recently, I spoke with a representative/supervisor named XXXX ( XXXX ), on XX/XX/XXXX who advised me that the replacement check may not be issued until XX/XX/XXXX. This means I may be waiting over two months after my mortgage payoff and closing date to receive funds that belong to me. I am requesting : Immediate escalation and review of my escrow refund issue Written confirmation that the original check was voided/stopped Confirmation of the correct mailing address on file Prompt reissuance and mailing of my escrow refund check certified mail with tracking Clear written communication regarding the delay and expected delivery timeline I believe Freedom Mortgage has failed to handle this matter in a timely and reasonable manner despite multiple notifications and follow-up attempts.

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: MO

Complaint narrative:
I am disputing a debt being collected and/or reported by Velocity Investments , LLC. On XX/XX/year>, I sent a written dispute and request for debt validation by certified mail. The company received the correspondence on XX/XX/year>, as confirmed by USPS tracking records. In my request, I asked for documentation supporting the alleged debt, verification of the balance, and documentation establishing that Velocity Investments had the legal right to collect and report the account. After receiving no response, I sent a second written notice on XX/XX/year>, again requesting validation and asking the company to address my dispute. Despite XXXX written requests, I have received no validation documents, no account documentation, and no substantive response. The account remains disputed. Because Velocity Investments has failed to provide the requested validation, I am unable to verify the accuracy of the information being collected and/or furnished to consumer reporting agencies. I have made multiple good-faith attempts to resolve this matter directly with the company before filing this complaint. I am requesting that Velocity Investments investigate this matter, provide proper validation of the alleged debt, ensure any credit reporting accurately reflects the disputed status of the account, and remove any information that can not be verified and substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I have no knowledge of a loan that I apparently got of XXXX dollars havent received any cash for it and didnt want the XXXX but its saying I got to pay it back from upgrade inc. it has dropped my credit score from a XXXX to a XXXX I am not happy and think this is fraud, I have never applied for a loan and dont need to

Company response to consumer: Closed with explanation