vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1.Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2.A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as Perry v. Stewart Title Co. , 756 F.2d 1197 ( 5th Cir. 1985 ).

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC v. United Pac. Ins. Co., 20 F.3d 1070 ( 10th Cir. 1994 ).

Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in Carpenter v. Longan , 83 U.S. 271 ( 1872 ), which supports the principle that the note and security instrument can not be separated.

Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity.

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

XXXX ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
Ongoing Inaccurate Reporting and Inadequate Reinvestigation FCRA Violations I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) in connection with a formal dispute I submitted on XX/XX/year>2025, regarding inaccurate and outdated accounts on my credit report. Despite providing a timely dispute and requesting the Method of Verification for accounts allegedly verified, Equifax has failed to provide proper documentation or an adequate response. 


Equifax XXXX XXXX : XXXX ( Name Dispute ) XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( Credit Card XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX  XXXX ) XXXX ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ) Disputed and Still-Inaccurate Accounts : XXXX XXXX XXXX  XXXX Account ending XXXX XXXX Verified and Updated XXXX XXXX XXXX XXXX Account ending XXXX XXXX Verified and Updated Credit Card XXXX XXXX XXXX Account ending XXXX XXXX Verified and Updated XXXX Account ending XXXX XXXXXXXX Verified and Updated XXXX  XXXX XXXX XXXX Account ending XXXX XXXX Verified and XXXX XXXX XXXX Account ending XXXX  XXXX XXXX XXXX XXXX XXXX Account ending XXXX XXXX Verified and XXXX XXXX XXXX Account ending XXXX XXXXXXXX Verified and Updated XXXX XXXX Account ending XXXX XXXXXXXX Balance Updated Only FCRA Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a Method of Verification upon request.

Despite multiple updates to the fields such as historical data, payment history, and delinquency dates, Equifax has not provided any verifiable documentation or disclosure of how these items were verified. These actions raise serious doubts about the reliability and integrity of the reinvestigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MD

Complaint narrative:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Subject : Urgent Complaint Regarding Incorrect Student Loan Interest Charges, Misreporting, and Loan Servicing Errors To Whom It May Concern, I am writing to formally file a complaint regarding multiple issues with my federal student loans, currently serviced by MOHELA. Since the COVID-19 administrative forbearance began in 2020, I have experienced numerous problems that have severely impacted my credit standing and financial stability.

During the CARES Act pause on student loan payments and interest accrual ( XX/XX/XXXX XX/XX/XXXX ), I noticed that interest was still being charged on my account, despite federal guidance that interest should have been suspended during this period. I raised this issue several times with MOHELA, but it was never corrected. As a result, my loan balances have increased instead of being frozen, and interest continues to be tacked on based on what I believe is an incorrect principal balance. 

When student loan repayments resumed, my loan amounts were never adjusted or corrected to reflect the appropriate balances, and the interest continued to compound inaccurately. On top of this, MOHELA began reporting that I was in default, despite the confusion and servicing errors that occurred during the transition back into repayment. I have never knowingly missed a payment and have made repeated attempts to resolve the issue. 

This situation has had a devastating effect on my credit score, which has dropped from XXXX to nearly XXXX, despite my continued on-time payments on credit cards and other accounts. In fact, several of my credit card accounts have now been closed automatically due to the default status reported on my student loansa status I believe is inaccurate and unjustified. 

I have contacted MOHELA more than XXXX times to resolve these issues. Each time, I receive a different explanation and no resolution. My loan amounts remain inflated, my credit continues to suffer, and I am not receiving consistent or accurate information. 

I am requesting the following actions : XXXX. A full review and correction of my student loan account to remove any improperly charged interest during the XXXX pause.

2. Immediate correction of my loan balance to reflect accurate, federally compliant numbers.

3. Correction of the inaccurate default status on my credit report.

4. Restoration of my good standing with credit bureaus.

5. A consistent monthly payment plan based on the corrected amount so I can move forward without further penalties.

Please consider this a formal dispute and urgent request for resolution. I am attaching any relevant documentation and am available to discuss further as needed. 

Thank you for your attention to this serious matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I attempted to purchase XXXX tokens using the Crypto.com mobile app. Due to an unclear and poorly designed interface, I mistakenly executed a market sell order instead of a buy. The app did not provide clear XXXX separation or distinct warning to confirm the direction of the trade, and defaulted to a market order without giving me a final confirmation that I was about to sell. 

At XXXX PM, XXXX XXXX tokens were mistakenly sold. I realized the error immediately and, at XXXX PM, attempted to re-buy the same token. I was only able to repurchase XXXX XXXX losing over XXXX XXXX tokens due to price changes and the platform spread. This loss occurred entirely within the Crypto.com platform no blockchain transaction took place. 

At the time of the error, my total XXXX holdings were XXXX tokens. As of today, I hold XXXX XXXX, confirming a total, permanent loss of XXXX XXXX caused solely by the platform-induced execution error. 

I contacted Crypto.com within XXXX minutes. They denied any fault, refused to provide a case ID, would not allow me to lock my account for safety, and responded only with Terms & Conditions text. They completely ignored the fact that : My trade history clearly shows an accidental sell and immediate buyback, A traditional stock brokerage would flag this as a clearly erroneous trade, And that their own app design and lack of safety measures caused the outcome. 
I am requesting CFPB assistance in holding Crypto.com accountable for a loss that resulted from platform design failure, not trading intent or strategy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
This letter serves as a formal complaint against Cash App concerning the sudden and unjustified closure of my Cash App account, XXXX XXXXXXXX. I initially established this account under my name for my daughter when she was a minor, and she has been using Cash App under my name. Despite my repeated efforts to obtain an explanation, Cash App has only offered ambiguous and unsubstantiated claims of " suspicious activities, '' refusing to provide any specific details or supporting evidence related to the activity on my account. 

On XX/XX/year>, my Cash App account was unexpectedly closed. Upon contacting Cash App support, I was informed of alleged suspicious activities related to the account I created. Alarmingly, when I pressed for specifics regarding the activity on the account used by my daughter under my name, Cash App representatives were unable to elaborate on the nature of these activities. I was repeatedly assured of support ticket XXXX, escalation of the case, and email updates to myself or my daughter. Regrettably, we have received no communication whatsoever regarding the review 's progress or the alleged suspicious activities on my account. 

The account closure has also created a significant obstacle for the attempt to repay funds previously borrowed through my Cash App account. Having transferred the necessary funds to a linked, verified, and unrestricted bank account, repayment attempts via Cash App on my account were declined due to " insufficient funds. '' Subsequent inquiries with Cash App support revealed that this inability to pay is a direct consequence of the closed status of my account. Once again, I was promised email updates about a potential reopening of my account, promises that have remained unfulfilled. 

The capricious closure of my Cash App account, the complete absence of transparent communication, and the active hindrance of legitimate efforts to settle financial obligations associated with my account are wholly unacceptable. I vehemently assert that no suspicious activity has ever been associated with the account I created. Cash App 's failure to provide a clear rationale, their repeated broken promises of updates, and their obstruction of a valid debt repayment on my account underscore a severe deficiency in customer support and potentially constitute unfair practices. 

I implore the CFPB to conduct a thorough investigation into this matter and to intervene to facilitate the immediate reopening of my Cash App account or, at the very least, to ensure a clear and transparent pathway for me to repay the outstanding balance incurred through my account. Furthermore, I demand a comprehensive explanation from Cash App regarding the alleged " suspicious activities '' that precipitated the closure of my account. Thank you for your time and consideration of this critical matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Viking Client Services
State: OH

Complaint narrative:
Failure to respond to proper debt validation request required by federal laws under FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX * * * * XXXX Date Opened : XX/XX/2023

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 2025-04-30 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently deposited my irs refund check for XXXX on XX/XX/year>2025. They said it would take 7 business days to clear. Once it cleared, XXXX XXXX2025 it was in my savings account for about 3-4 days. On that Saturday XXXX 19,2025 Chase bank closed my account and did not release the funds to me in my other account. I then went to the branch in XXXX, Florida XXXX on XXXX XXXX2025 and gave me them all the paperwork IRS transcript and letter from the IRS explaining that I will be receiving a check for that amount. They said it would take 5 days for them to disburse to my other account. 


I am writing to formally demand the release of funds in the amount of {$72000.00}, representing a United States Treasury-issued IRS refund check that I deposited with Chase Bank . This check was deposited into my Chase account, which was subsequently closed by the bank without disbursing the funds to me. 

Details of the transaction are as follows : Payee Name : [ XXXX XXXX XXXX ] IRS Check Amount : {$72000.00} Date of Deposit : [ XXXX XXXX2025 cleared XXXX XXXX2025 ] Closed Chase Account Number : [ SAVINGS Account ] Check Issuer : United States Treasury ( IRS Refund Check ) As the legal and rightful owner of these federal funds, I demand the immediate release and disbursement of the deposited amount. Chase Banks failure to return or release these funds, despite the closure of the account, is unacceptable and may be in violation of applicable banking regulations. 

I hereby request that you : XXXX. Provide written confirmation of the status of the funds ; XXXX. Release the full amount of {$72000.00} to me by either cashiers check or direct deposit into a valid account I will provide ; and XXXX. Explain the reason for account closure and the current handling of the deposited IRS refund check. 

If I do not receive a resolution or satisfactory response within 10 business days from the date of this letter, I will take further action.

Company response to consumer: Closed with explanation