vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I sent {$400.00} from my cashapp account to my XXXX account. I didn't make the fee transactions so cashapp sent XXXX to my Chase account then on the XXXX of XXXX pulled {$400.00} from my account and I asked both customer service of XXXX and cashapp and only XXXX provided that it was cash out who pulled it cash app denied and said they canceled the transaction but I have proof showing and XXXX said that it was pulled for my account I asked customer service to look into it Cashapp customer service sent me XXXX emails and both saying that they have an investigation going on with no results. I actually have the recorded line when I had both parties on the line about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am the sponsor on my sons account for Cash App. He is XXXX XXXX XXXX. On XX/XX/XXXX an unauthorized card was added to his account withdrawing XXXX, his entire balance, then the card was removed from his account. Neither he nor I approved this transaction. He attempted to lock his account but the transaction still went through. I have tried multiple times via chat and phone calls to resolve the fraudulent withdrawal only to be told that I as the sponsor approved the transaction. I was not even made aware of the transaction, which is another issue. We have gotten nothing but the runaround from Cash App my son worked hard for his money and should not be cheated out of it. I do not see how something like this happened without being an internal issue with Cash App employees taking advantage of a minors account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am begging for help because these inaccurate accounts are still appearing on my credit report and they were never taken off. I am pleading that you carefully review the documents I attached so I can finally stop living in constant fear over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
b"REXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Sir or Madam,\n\nI am writing to formally document a phone conversation I had with a representative of the office above regarding the recorded history and ownership details of my former residence located at XXXX XXXX XXXX XXXX XXXX XXXX, which was sold through foreclosure proceedings initiated by US Bank.\n\nDuring my call with the office above today, requested assistance in identifying the current grantees and reviewing key documents related to the mortgage and foreclosure history of the property.\n\nI was told that the current owners of my property are XXXX XXXX XXXX XXXX who acquired title by deed on XXXX XXXX XXXX, from XXXX XXXX. The sale followed foreclosure proceedings that culminated earlier in 2025.  I asked how the house was sold at auction prior to the foreclosure and was not given an answer. \n\nAccording to records, the property's mortgage and legal history includes the following:\n\nOn XXXX XXXX XXXX, a mortgage in the amount of $376,000 was recorded in Book XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as mortgagors, and USAA Federal Savings Bank as mortgagee, with Mortgage Electronic Registration Systems, Inc. (MERS) as nominee.\n\nThis mortgage document is 17 pages in length and was notarized bXXXX XXXX XXXX XXXX, who is listed as the return address. The original note associated with this mortgage was not recorded electronically and was physically submitted; it is not publicly available on the registry site.\n\nOver the years, the property has seen a series of assignments and legal actions leading up to the foreclosure, summarized as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is understood that the Registry of Deeds does not retain original documents; originals would remain in the possession of the originating attorney onlyXXXX XXXX XXXX, in this case.\n\nI appreciate the assistance provided by your staff during this inquiry and thank you for maintaining such a detailed and accessible public record.\n\nThe initials/signature on the attached mortgage are not mine.  \nI plan to hire a handwriting verification expert is necessary and was told to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have reviewed my credit repoet and found these unverified items. Please remove, update or correct these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX * * * * * * XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I receive repetitive calls all times of the day and every day of the week even at late at XXXX on a XXXX night. 

I've told them to remove my number and my husbands number from their call list and send all communication in writing. 

They have refused to do so and the calls have increased from multiple numbers. 

Latest Calls : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Ive had a Bank of America Home Loan for about 20 years. The last four digits of my social security number are XXXX. 

The address is XXXX XXXX XXXX XXXX GA XXXX I called Bank of America on XX/XX/year> to find about escrow. 

I went into a XXXX on XX/XX/year>. 

My regularly scheduled mortgage payments are {$1300.00} with no escrow. 

At XXXXXXXX XXXX on XX/XX/year> I spoke with XXXX from Texas. He was very arrogant and condescending. He kept repeating the same thing repeatedly even after I told him to stop repeating the same thing over and over. 

I then asked for a manager.Edgar refused to let me speak with a XXXX. 

XXXX over XXXX XXXX XXXX and should never be spoken to like a XXXX XXXX XXXX. 

Per XXXX with the new escrow amount of {$1300.00} my new monthly mortgage is {$2700.00}. 

Per XXXX the escrow is calculation shows {$10000.00} needs to be in my account to pay next years taxes. I told XXXX repeatedly that that projection calculation is incorrect. 

This is the second XXXX Bank of America XXXX department has calculated my escrow incorrectly and when its pointed out its XXXX the escrow department double downs and refuses to correct it. 

It should be fraud to have escrow payments higher than the mortgage. 

I explained to XXXX that no one in the community will have taxes of {$10000.00}. Further my taxes are frozen and will never increase beyond {$5500.00}. 

The estimate of over {$10000.00} for property taxes is an Error and should be corrected.

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 2025-10-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand and dispute under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Upon reviewing my credit reports maintained by your respective agencies, I identified multiple hard inquiries that I do not recognize, authorize, or recall granting any permissible purpose for. These inquiries are unverified, unauthorized, and in direct violation of FCRA 604 [ 15 U.S.C. 1681b ], which restricts access to consumer credit files solely for legitimate and documented permissible purposes. 

Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Services ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis : Under FCRA 604 ( a ), each credit reporting agency must confirm a permissible purpose before releasing or displaying consumer information. If no such documentation exists, maintaining these inquiries constitutes unlawful publication of private consumer data. 

Furthermore, FCRA 611 [ 15 U.S.C. 1681i ] requires a reasonable reinvestigation within 30 days of a consumer dispute. This investigation must yield verifiable documentationspecifically, a copy of the signed credit application or digital consent proving I authorized access. Absence of such documentation requires immediate deletion of the inquiries from my consumer file. 

Failure to comply constitutes willful or negligent noncompliance under FCRA XXXX, subjecting your agency to potential civil liability, including actual damages, statutory damages, attorneys fees, and punitive damages. 

Demand for Relief : Conduct a full reinvestigation of all inquiries listed above. 

Permanently delete any inquiry lacking written proof of authorization or permissible purpose. 

Provide me a corrected credit report reflecting the deletions within 30 days of receipt of this letter. 

Provide written confirmation of your findings and actions taken. 

If compliance is not met, I reserve the right to escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for enforcement and damages under federal law. 

Sincerely, 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 2025-10-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand and dispute under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Upon reviewing my credit reports maintained by your respective agencies, I identified multiple hard inquiries that I do not recognize, authorize, or recall granting any permissible purpose for. These inquiries are unverified, unauthorized, and in direct violation of FCRA 604 [ 15 U.S.C. 1681b ], which restricts access to consumer credit files solely for legitimate and documented permissible purposes. 

Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Services ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis : Under FCRA 604 ( a ), each credit reporting agency must confirm a permissible purpose before releasing or displaying consumer information. If no such documentation exists, maintaining these inquiries constitutes unlawful publication of private consumer data. 

Furthermore, FCRA 611 [ 15 U.S.C. 1681i ] requires a reasonable reinvestigation within 30 days of a consumer dispute. This investigation must yield verifiable documentationspecifically, a copy of the signed credit application or digital consent proving I authorized access. Absence of such documentation requires immediate deletion of the inquiries from my consumer file. 

Failure to comply constitutes willful or negligent noncompliance under FCRA XXXX, subjecting your agency to potential civil liability, including actual damages, statutory damages, attorneys fees, and punitive damages. 

Demand for Relief : Conduct a full reinvestigation of all inquiries listed above. 

Permanently delete any inquiry lacking written proof of authorization or permissible purpose. 

Provide me a corrected credit report reflecting the deletions within 30 days of receipt of this letter. 

Provide written confirmation of your findings and actions taken. 

If compliance is not met, I reserve the right to escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for enforcement and damages under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief