vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
XXXXThis is my second submission to the CFPB regarding this merchant. The content of the first is at the end of this message. XXXXAfter many failed attempts to speak to a human that could initiate any disputes or action at Cashapp, out of the blue, with no email or notification, I was credited XXXX. This was not the exact amount of the charges by XXXX XXXX, but it covered most of it. XXXX XXXX, nearly 2 1/2 months after my first contact with Cashapp, I received an email from a person. She asked me for the information that I have sent several times to be disputed. She did file the disputes. I am including the email thread with this person. On Friday, I received a pre-composed email, informing me the disputes have been denied and my account had been closed. The ironic part is, the account has been closed since XXXX. I am uploading the messages from the email correspondence with the Cashapp manager. She has not responded since they denied the dispute. XXXXPREVIOUS COMPLAINT CONTENT**\XXXXI had a XXXX  child staying in my household for several months. Over the course of that time this child used my cash app to purchase from two separate merchants on several different occasions between the months of XXXX XXXX XXXX These were unauthorized by me, and my electronic devices were used, which had my cash app information stored, and my banking information stored. I contacted cash app support and requested that they dispute all of the transactions from both merchants, one being bingo winner and the other being bungee soft works. I contacted cash app six separate times trying to get this resolved and the last communication I had they had closed my account and denied the disputes for only XXXX XXXX. They never filed the disputes for XXXX XXXX XXXX. I did not try to appeal the account closure at that time because I had trusted, they did the appeal for both merchants. Today I found out they did not initiate the dispute process for any XXXX XXXX XXXX transactions. I have received several emails stating they denied the disputes for the XXXX XXXX purchases, however, today I have received notification that theyve approved two of the many disputes for that merchant. Upon my discoveries today, I contacted Cash app Support one more time and was told that they would have someone reach out to me via email so I could appeal the closure, get it reopened, so I can dispute the charges from XXXX XXXX XXXX Im currently waiting for contact from the company via email.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian 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 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

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 2025-10-13 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-13 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, that assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and has resulted in ongoing emotional and financial distress.

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 2025-10-13 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: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-13 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: CA

Complaint narrative:
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 and terms context; violates 607(b) completeness.\n3. Dispute code continuity not properly reflected (Compliance Condition Code XXXX XXXX. Furnisher policy/accuracy obligations under Reg V 1022.42(a).\nAll late months are disputed: XXXX XXXX XXXX\nUnder FCRA 611(a)(1)(A) and Cushman, perform an independent reinvestigation. Codes are\nnot proof. Produce running statements/ledger (due/receipt/posting) and the accounting basis\nfor any Past Due after CO. If unverifiable, delete under 611(a)(5)(AXXXX 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 missing/undisclosed (field 25), affecting obsolescence.\n Dispute code XXXX continuity deficiencies.\n Reg V 1022.42(a) policies/controls.\nAll late months are disputed: XXXX XXXX XXXX\nProvide ledger (due/receipt/posting) for each late; verify independently per Cushman or delete\nunder 611(a)(5)(A). Noncompliance  XXXX XXXXEnclosures: ID, address proof, highlighted XXXX XXXXages.'

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 2025-10-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-10-13 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: Experian Information Solutions Inc.
State: FL

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. 

Please delete the following accounts : XXXX - XXXXXXXX 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  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - XXXX Personal XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX, XXXX, XXXX  - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on [ date ] 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 generally, 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four ( 4 ) business days.

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIOis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIOis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
I dispute specific items connected to accounts I never initiated. Please complete a meticulous inquiry and eliminate them. Documentation accompanies this request.

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 2025-10-13 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: Experian Information Solutions Inc.
State: NY

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 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 2025-10-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX Re : Unauthorized Hard Inquiry Dispute File Number XXXX Dear TransUnion, I am formally disputing a hard inquiry that appears on my credit report : Creditor : XXXX XXXX  XXXX via XXXX XXXX  XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Date of Inquiry : XX/XX/XXXX Phone : ( XXXX ) XXXX Under the Fair Credit Reporting Act ( FCRA XXXX, XXXX, XXXX ), only inquiries made with my written authorization or for a permissible purpose may be reported. I do not recall authorizing this company to access my credit file, and I request that you provide me with proof of such authorization. If you can not provide this verification, you are required by law to delete the inquiry from my credit report. 


Please investigate this matter within 30 days and provide written confirmation of the results. I have enclosed a copy of my identification and proof of address to assist with your investigation. 


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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global Solutions called and would not say who they were calling on behalf of. She kept trying to get me to give up my identity. Just kept saying it was a personal matter and did not disclose that she was attempting to collect a debt. But I asked on behalf of who? Like who did you buy the debt/ collect the debt for? Simple. Since she would not give me that information that I am entitled to now we are here.

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 2025-10-13 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: MI

Complaint narrative:
I XXXX XXXX am A victim of Identity theft request the deletion and removal of the following fraudulent accounts : XXXXXXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXXXXXX XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX  opened XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: CT

Complaint narrative:
Dear TransUnion 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 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

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 2025-10-13 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: IL

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 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
On XX/XX/2025 I received a letter stating that I owe {$4.00}, XXXX to XXXX XXXX. On XX/XX/2025 I disputed the letter because I paid them. I enclosed documents showing it was paid in full. On XX/XX/2025 XXXX and XXXX sends me a response saying I owe the debt along with a ledger with the wrong amounts. It has the {$4700.00} as a property insurance premium when my property insurance premium was only {$780.00}. The other amounts I highlighted are incorrect as well. So, I replied again on XX/XX/2025 with all transaction copies and my last payment receipt as well as the confirmed details page with the correct premiums. I even included where XXXX Tried to offer another loan, but I declined it. On XX/XX/2025 I received a response about investigating. Then on XX/XX/2025 I received a response saying they need more information. I provided them the correct information. The ledger that was sent from them was not accurate. At this point they are trying to force me to pay a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I am a customer of PennyMac who is the servicer of my VA loan. I am in the process of selling my home in Oregon, and the buyer is assuming my VA loan. I was made aware loan assumptions can take longer than a typical home sale, but otherwise shouldn't be an issue. My realtor and I spoke with PennyMac at the beginning of this process ( XX/XX/XXXX ) and we were told XX/XX/XXXX was a date we could set as a closing date, as it was approximately 60 days from the initial buy offer from the buyers. 

I was updated several times by XXXX at PennyMac that everything was going smoothly and we actually could have closed earlier if everything was ready. On Thursday XX/XX/XXXX, I hadn't received anything from PennyMac or the title company as far as an appointment to sign documents to complete the sale of my home. I called in and was unable to get ahold of XXXX or her supervisor. Later on the same evening, XXXX called me and told me unfortunately the loan wont close on XX/XX/XXXX because the " closer '', XXXX, still needed to finish some things. I was told Tuesday XX/XX/XXXX would be the new closing date. 

On Friday XX/XX/XXXX I attempted to contact XXXX to clarify some things per my realtor. He wanted me to confirm she meant closing in the sense of signatures and funds being collected and signed by title company etc. I was unable to get ahold of XXXX or her supervisor. I was eventually sent an email by the " closer '', XXXX, who told me the closing date was pushed out by XXXX and there was nothing she could do to assist me. I asked her what was holding up closing and she told me the down payment funds from the buyer were not in order. I explained the title company, XXXX, had tried reaching out to her 3 times on XX/XX/XXXX and if she had answered the phone, she would have known the funds were secured and ready to go. 

It is now Monday XX/XX/XXXX and I still have no answers or explanations of why my house isn't closing. I have called and emailed XXXX, left a message with her manager, called and emailed XXXX, and emailed XXXX 's manager, and nobody has called me back or emailed me. I do understand that things come up, but the lack of accountability at PennyMac is unbelievable. I have been a loyal customer for several years, never missed a payment, and I am just trying to purchase a new home due to moving across the country. My house purchase in Colorado is in jeopardy due to PennyMac 's negligence in handling this matter in a reasonable amount of time. I personally have thousands of dollars on the line if this house sale does not go through and PennyMac does not care. I most recently spoke with a manager named XXXX who told me he can't help me and I should expect a phone call from a different manager in 1-3 business days, but otherwise offered no explanation or plan to move forward.

Company response to consumer: Closed with explanation