vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
In mid-to-late XX/XX/year>, my nearly 10-year-old Cash App account ( which successfully received XXXX prior direct deposit payouts from XXXX Managed Payments for verified seller earnings, with no issues ) was flagged for identity verification after the 10th payout arrived.The in-app verification process failed first due to Cash App 's technical issues : despite multiple attempts to upload clear photos of my government-issued ID ( front/back ) and selfies in good lighting, on different devices and WiFi networks, the app repeatedly returned errors like " need more info to verify '' or similar upload failures, providing no specific guidance or resolution.Only after these failed verification attempts ( caused by their system errors ), on Friday, XX/XX/year>, Cash App voided the most recent incoming XXXX deposit of {$60.00} without any explanation or evidence of wrongdoing on my part. This reversal created an artificial negative balance of approximately - {$36.00} ( due to the void plus enabled overdraft coverage ) and returned the funds to XXXX.Finally, Cash App fully suspended the account, blocking all use ( including routing number and card ), citing non-verificationdespite the verification failure stemming from their technical glitches, not my actions.I have no violations : no fraud, chargebacks, or suspicious activity. The prior XXXX XXXX payouts were processed normally, confirming the account was legitimate and in good standing. I contacted support via in-app chat and phone ( XXXX ) multiple times for manual review/escalation, but received only generic responses with no fix.This sequencefailed verification due to their errors voided deposit suspensionhas locked me out of my account and funds, and may have flagged my XXXX payouts as suspicious. It aligns with unfair practices in the CFPB 's XX/XX/year> consent order against Block, Inc. ( Cash App 's parent ), which required $ XXXX in redress for inadequate investigations, wrongful account restrictions, and mishandling of legitimate transactions.I request CFPB forward this to Block/Cash App for investigation, immediate account reinstatement, negative balance removal, and any applicable redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this correspondence as a formal escalation and rebuttal to Capital One Auto Finances XX/XX/XXXX response. 

Capital Ones response is conclusory, unsupported by evidence, and fails to address the material legal issues raised in my complaint, particularly concerning ( 1 ) breach of the peace during repossession and ( 2 ) lack of proof of legally sufficient notice. 

I. CAPITAL ONE FAILED TO SUBSTANTIATE NO BREACH OF THE PEACE Capital One asserts that it was unable to substantiate a breach of the peace by its repossession service provider. This statement is legally insufficient and unsupported by any documentary evidence. 

Capital One did not provide : Incident reports Repossession logs or timestamps Identity or licensing of the repossession agent Body camera, dash camera, or third-party footage Any investigative findings demonstrating compliance with UCC 9-609 Under UCC 9-609 ( b ) and applicable Florida law, a creditor bears the responsibility to ensure that repossession occurs without breach of the peace, and the creditor is vicariously liable for the acts of its agents and contractors. 

I possess private-property surveillance footage and documentation showing conduct that constitutes a breach of the peace, including unauthorized entry onto private property. Capital Ones failure to address or request this evidence reflects a lack of meaningful investigation. 

II. NO PROOF OF NOTICE OR RECEIPT WAS PROVIDED Capital One claims it mailed a Notice of Default and Right to Cure on XX/XX/XXXX. However, no proof of receipt was provided. 

Capital One failed to produce : Certified mail receipts USPS tracking confirmation Return receipt or proof of delivery Any evidence establishing that notice was actually received Mere internal mailing records do not satisfy due process requirements or consumer-protection standards when repossession rights are exercised. Without proof of receipt, Capital One can not lawfully rely on alleged notice as justification for repossession. 

III. POTENTIAL VIOLATIONS REMAIN UNADDRESSED Capital Ones response does not address potential violations of : UCC 9-609 ( wrongful repossession / breach of the peace ) FDCPA ( 15 U.S.C. 1692d, 1692e, 1692f ) Florida Consumer Collection Practices Act ( FCCPA ) Common-law trespass and conversion Negligent supervision of third-party repossession agents Capital One also failed to address its duty to preserve evidence and conduct a good-faith investigation once notified of a disputed repossession involving private property and surveillance footage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
b'I am filing this complaint because [XXXX / XXXX / TransUnion] has violated the Fair Credit Reporting Act (15 U.S.C.  1681i). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i(a)(1)(A), 1681i(a)(5), 1681i(a)(6), and 1681e(b). Courts have consistently ruled that such conduct is unlawfulXXXX  v. TransUnion, LLC (XX/XX/XXXX. XX/XX/XXXX confirmed all objectively verifiable inaccuracies must be corrected; Dept. of Agriculture v. XXXX (XX/XX/XXXX) held no entity is immune from FCRA liability; and XXXX v. TransUnion, LLC (XX/XX/XXXX) resulted in a XXXX  million settlement for failing to investigate disputes and allowing inaccuracies to remain.\n\nAccounts to Be Deleted:\n=== CHARGE OFF ===\n\nTU :\n\nXXXX/XXXX\nXXXX\n\n\n=== INQ ===\n\n\nTU : \n\n\nXXXX XXXX XXXX 8\nXX/XX/XXXX\n\nXXXX XXXX XXXX 8\nXX/XX/XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
This complaint is submitted by both borrowers on the mortgage loan, XXXX XXXX ( primary borrower ) and XXXX XXXX ( co-borrower ), regarding ongoing mortgage servicing errors. loan number XXXX am submitting this complaint regarding serious mortgage servicing errors that began at the start of my loan and continue to affect my account today. My mortgage originated in XXXX  as a conventional home mortgage. The first XXXX years were a fixed-rate period. Shortly after the loan began, my payment history reflects the immediate appearance of a large fee balance XXXX and late charges in the amount of {$4100.00} on my very first payment, which I dispute. I was not provided any explanation or disclosure at loan inception showing how or why these fees and late charges were assessed. In XX/XX/year>, XXXX issued a written notice stating that a refund check in the amount of {$1700.00} related to force-placed insurance would be sent to me. I never received this refund. Instead, my payment history shows that this amount was applied internally to reduce an existing fee balance without my knowledge or consent. After the loan converted from fixed to adjustable rate, my payment history shows repeated unexplained payment reversals, deferred payments that I did not request or authorize, unapplied funds, and inconsistent application of payments. Over time, these actions caused fee balances and late charges to grow substantially, even when I was making payments. I have repeatedly requested complete payment histories and explanations of fees from multiple servicers, including XXXX XXXX XXXX XXXX XXXX XXXX, and Shellpoint Mortgage Servicing. While some documents were provided, the information was incomplete, inconsistent, and did not clearly explain the origin, justification, or calculation of the fees, reversals, deferred payments, and unapplied balances reflected on my account.I am now facing active foreclosure-related activity. On Friday, representatives came to my property to take exterior photographs, which has caused significant concern that foreclosure proceedings are moving forward while there is an unresolved and documented dispute regarding my loan servicing history. I am requesting that this complaint be treated as urgent and that foreclosure activity be paused while the accuracy of my loan history, fee balances, and payment application is reviewed and corrected. I am seeking a full and transparent accounting, correction of errors, removal of improperly assessed fees and late charges, and assurance that foreclosure actions do not proceed based on inaccurate servicing records.

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 2025-12-23 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: NH

Complaint narrative:
I am writing to formally dispute and request the removal of multiple hard inquiries that appear on my credit report. These inquiries were either unauthorized, excessive, duplicative, or the result of rate shopping for auto financing, and therefore should not be negatively impacting my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), Section 604, a hard inquiry may only be placed on a consumers credit report when there is a permissible purpose and clear consumer authorization. Additionally, under FCRA guidelines regarding auto loan rate shopping, multiple inquiries made within a short period for the same purpose must be treated as a single inquiry and should not be counted individually against my credit score. 
I did not provide authorization for all of the inquiries listed below, and many of them are duplicative dealership or lender pulls related to the same auto-financing process. Therefore, I respectfully request that these inquiries be verified for permissible purpose and authorization, or otherwise removed immediately if they can not be properly validated. 
Disputed Inquiries : XX/XX/scrub>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 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 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 These inquiries do not accurately reflect my creditworthiness and are causing unnecessary harm to my credit score. If any of the listed creditors can not provide proof of written authorization and permissible purpose, I request their immediate deletion in accordance with FCRA Sections 604 and 611.

Please complete your investigation within the timeframe required by law and provide me with written confirmation of the results. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-12-23 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: NH

Complaint narrative:
I am writing to formally dispute and request the removal of multiple hard inquiries that appear on my credit report. These inquiries were either unauthorized, excessive, duplicative, or the result of rate shopping for auto financing, and therefore should not be negatively impacting my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), Section 604, a hard inquiry may only be placed on a consumers credit report when there is a permissible purpose and clear consumer authorization. Additionally, under FCRA guidelines regarding auto loan rate shopping, multiple inquiries made within a short period for the same purpose must be treated as a single inquiry and should not be counted individually against my credit score. 
I did not provide authorization for all of the inquiries listed below, and many of them are duplicative dealership or lender pulls related to the same auto-financing process. Therefore, I respectfully request that these inquiries be verified for permissible purpose and authorization, or otherwise removed immediately if they can not be properly validated. 
Disputed Inquiries : XX/XX/scrub>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 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 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 These inquiries do not accurately reflect my creditworthiness and are causing unnecessary harm to my credit score. If any of the listed creditors can not provide proof of written authorization and permissible purpose, I request their immediate deletion in accordance with FCRA Sections 604 and 611.

Please complete your investigation within the timeframe required by law and provide me with written confirmation of the results. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This account was showing as closed and now XX/XX/XXXX now it was reported XX/XX/XXXX like a new account but it showing XXXX names for the debt which per FCRA regulations is inaccurate information and should be removed immediately from all credit reports The company listed are Spring Oaks Capitol and XXXX XXXX. At this point XXXX ready to take legal action against both companies due to inaccuracy to my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I used affim to purchase an airline tickets from XXXX a total of {$2600.00} with the XXXX  installment of XXXX dollars due on XXXX of XX/XX/XXXX. On the XXXX of XX/XX/XXXX, I paid {$2600.00} XXXX is charging me {$6.00} as interest for XXXX cents of unpaid balance balance. This is robbery. Please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because [ Experian / XXXX XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation