vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App regarding their refusal to reimburse me for fraudulent transactions totaling {$1600.00}. On XX/XX/year>, I sent three payments ( {$150.00}, {$260.00}, and {$1200.00} ) to an individual who was posing as a legitimate housing service. This individual misrepresented themselves and intentionally deceived me into sending money under false pretenses. This was a scam involving impersonation and fraud. I reported the transactions to Cash App immediately after realizing I had been scammed. However, Cash App denied my claim, stating they were unable to reimburse me, and treated these transactions as authorized despite the clear fraudulent circumstances. These transactions were not truly authorized, as they were induced by deception. I would not have sent any money had I known the recipient was not legitimate. I am requesting that Cash App : - Reopen and properly investigate my claim as fraud - Review the recipient account for fraudulent activity - Provide the basis and evidence used in their initial denial - Issue a full refund of {$1600.00} Cash App has failed to provide adequate consumer protection in this case and has not properly addressed a clear instance of fraud. I am requesting assistance in resolving this matter and obtaining reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: VA

Complaint narrative:
They are reporting incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
* * Subject : * * CFPB Complaint Unverified Debt, Furnisher Liability, and FDCPA Violations * * Consumer : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Creditor/Collector : * * Midland Credit Management , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Account : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$710.00} -- - # # FORMAL DISPUTE This account is disputed in its entirety. -- - # # VALIDATION FAILURE ( 1692g ) You have not produced : * Assignment documentation * Signed agreement * Proof of authority -- - # # 5-DAY NOTICE VIOLATION You failed to provide the required written notice. -- - # # PRIOR DISPUTE HISTORY AND REINVESTIGATION FAILURE This account was previously disputed through the CFPB on XX/XX/year>. Following reinvestigation, you verified the account as accurate. However : * No documentary evidence has been produced * No contract has been provided * No chain of assignment has been shown Under the Fair Credit Reporting Act, a furnisher must conduct a reasonable investigation. Verification without evidence constitutes noncompliance. -- - # # FURNISHER LIABILITY You are reporting unverifiable information to consumer reporting agencies. -- - # # MISREPRESENTATION ( 1692e ) You are misrepresenting the legal status of the alleged debt. -- - # # UNFAIR PRACTICES ( 1692f ) Collection without proof of ownership is unlawful. -- - # # THIRD-PARTY DISCLOSURE ( 1692b ) Reporting to c redit bureaus without proper verification constitutes improper disclosure. -- - # # CEASE AND DESIST All communication must cease. Communication includes any means direct or indirect, which includes reporting on my consumer report. -- - # # DEMAND * Delete tradeline * Confirm closure * Cease all activity -- - Failure to comply will result in further action. * * Sincerely, * * XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I have a several loans through Affrim I made 2 payment together they stated that I am paying the interest. i stated that this is fixed and the interest ins in the monthly payment. I made 2 payments in two diiferent account which was for XXXX and XXXX. I was told that I should have made one payment for XXXX than XXXX. I said what the diiference and I was told I am paying interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
A collection account appeared on my credit report that I have no knowledge of. I never opened this account, have no business relationship with this collector, and was never contacted prior to this appearing on my credit report. I did not receive any written debt validation notice as required by the FDCPA. When I requested validation of this debt, the company failed to provide it. This account is the result of identity theft. An FTC Identity Theft Report has been filed. A dispute was submitted to TransUnion. I am requesting immediate cessation of collection activity and removal of this account from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I DISPUTE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DID NOT AUTHORIZE OR ENGAGE IN THESE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I deposited XXXX dollars I transferred XXXX to my XXXXXXXX XXXX them i sent my boyfriend XXXX the next day they then proceeded to close my account with XXXX XXXX dollars and some change. I called numerous of time and keep getting the run around about my money i have not did fraud so i should be allowed a refund check i was with chime sense XXXX and they abruptly closed my account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I had issues submitting my payment online and on the app I escalated the issue with XXXX and also called in I made my payment before the XXXX of the payment in XXXX but it shows the XXXX of XXXX. It was reported to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I am retired from XXXX and I am currently living in XXXX. I have a Cheque account TD Bank XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, ME XXXX, Tel # XXXX. I am XXXX XXXX XXXX retired from XXXX XXXX XXXX and I receive monthly payment pension benefit from The United States Social Security Administration. My benefit is due every month on XXXX I do not get my deposit on time and TD Bank always holding my deposit fund XXXX to 10 days for no reason. Money comes from US treasure and was deposit on time but bank some reason holds 5 to 10 days. Please, kindly requesting to resolve this issue why TD Bank holding pension fund, I am XXXX Citizen living in XXXX. I have no issue with SSA. Today XX/XX/XXXXXXXX XXXX XXXX pension fund TD did not deposited my account, TD Bank holding the Fund for no reason. Spoke SSA and they said that they get confirmation from the Bank fund has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
In approximately XX/XX/XXXX, a sales representative for XXXX XXXX came to my home and sold me a home security monitoring system. The representative verbally told me the contract was for aXX/XX/XXXXyear term. I agreed to a XX/XX/XXXXyear term and signed the agreement. I later discovered that the written contract reflected a longer term that I did not knowingly agree to. When I contacted Hillcrest Davidson and Associates, the collection agency now holding the account, their representative told me that XXXX XXXX does not offer XX/XX/XXXXyear contracts and only sells XX/XX/XXXX-year and XX/XX/XXXX-year agreements. This confirms the sales representative misrepresented the contract term to induce my signature. Hillcrest Davidson and Associates is now reporting a {$1600.00} collection on my credit report. The account was opened in XX/XX/XXXX and has been reporting as a collection since XX/XX/XXXX. The balance has remained at {$1600.00} with no payments made because the underlying contract was obtained through misrepresentation. I sent a formal debt validation letter to Hillcrest Davidson and Associates via XXXX Certified Mail requesting a copy of the original signed contract and demanding they cease collection and credit reporting until the debt is validated. The company has not provided the requested documentation. I have also filed a complaint with the XX/XX/XXXX Attorney General regarding the deceptive sales practices of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: OH

Complaint narrative:
I am submitting this complaint against * * Experian * * and * * TransUnion * * for ongoing reporting of inaccurate and unverifiable information in violation of * * FCRA Section 611 * *, * * FCRA 605 * *, and * * FCRA 604 ( a ) * *. My Experian credit file continues to report * * inaccurate addresses * * including * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX * * and * * XXXX XXXX XXXX XXXX OH XXXX * *, as well as an * * inaccurate name XXXX XXXX XXXX, * * all of which violate * * FCRA Section 611 * * requiring accuracy and * * FCRA 605 * * requiring exclusion of outdated or unverifiable information. Additionally, Experian is reporting multiple * * hard inquiries * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which raise serious concerns under * * FCRA 604 ( a ) * * requiring a permissible purpose and * * FCRA 605 ( a ) * * governing reporting limits, particularly due to the concentration of inquiries on * * XX/XX/XXXX * *. At the same time, my TransUnion credit file is reporting a * * new inaccurate address * * listed as * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which also violates * * FCRA Section 611 * * and * * FCRA 605 * * as it is not associated with me and reflects a failure to maintain accurate consumer data. The continued reporting of these items demonstrates a systemic breakdown in compliance, verification, and lawful reporting obligations required under federal 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 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EdFinancial Services
State: TN

Complaint narrative:
There are two student loan accounts on my credit, both were being paid for up to date until XX/XX/XXXX, I am unaware of any information with this loans and was unaware they were even taken out until it hit my credit for missed payments. I have never made a payment towards these two loans and I have tried to dispute these loans with on XX/XX/XXXX, yet no one responded to my claim, no one has reached out regarding why these loans are on my credit, I have no knowledge of these two loans and no one has contacted me about these loans ever even when trying to dispute they did not reach out to me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Experian for failure to properly investigate and correct inaccurate personal identifying information on my credit report, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). On XX/XX/year>, I submitted a written dispute to Experian requesting the removal of inaccurate personal information, including incorrect names and outdated addresses. A copy of that dispute letter is attached to this complaint. Although several dispute were opened and closed, despite my clear and specific request, Experian failed to correct the inaccurate information. My credit report, dated XX/XX/year>, still reflects incorrect identifying information, including the continued reporting of XXXX XXXX XXXX as the primary name on my file, along with additional name variations that do not reflect my current legal identity. As shown in the attached Experian credit report, inaccurate names and outdated addresses remain associated with my file. Additionally, I have attached supporting documentation, including my marriage license, which establishes my legal name and supports my request for correction. Experians failure to remove or correct this inaccurate information after receiving proper notice demonstrates a failure to conduct a reasonable investigation as required under federal 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 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently reviewed my Equifax credit report and identified inaccurate and incomplete reporting related to an account listed as XXXX XXXX, XXXX. I submitted a dispute with Equifax to have this information investigated and corrected ; however, the results did not resolve the issues. The account is being reported with missing and inconsistent data. Specifically, the Date Closed field is not reported, the account reflects a XXXX delinquency history despite being listed as a charge-off, and the term duration is listed as XXXX months, which is not consistent with a legitimate installment account. Additionally, when compared to other credit bureaus, this same account is reported differently in both balance and account status, which raises concerns about the accuracy and reliability of the information being reported by Equifax. Despite my dispute, Equifax has continued to report this account without correcting the missing or inconsistent information, and I was not provided with sufficient documentation explaining how the account was verified. Due to these unresolved discrepancies, I am requesting a full reinvestigation and correction or removal of this account if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. I have an active legal block on my XXXX XXXX XXXX XXXX XXXX XXXX report under FCRA 605B, which has been in place since XX/XX/year>. Additionally, XXXX officially confirmed the full removal of all fraudulent records from my consumer file as of XX/XX/year> ( see attached removal letter ). Despite these legal blocks and removals being finalized, I have been repeatedly denied for standard deposit accounts by the following institutions : Wells Fargo ( Denied on XX/XX/year> ) XXXX ( Denied on XX/XX/year> ) XXXXXXXX XXXX ( Denied based on outdated XX/XX/XXXX data XXXX XXXX XXXX ( Denied on XX/XX/year> ) XXXX XXXX and Wells Fargo explicitly stated their denials were based on 'fraudulent activity ' reported by XXXX XXXX XXXX XXXX XXXX XXXX Because this information is legally blocked under FCRA 605B, these banks are in violation of federal law by continuing to use suppressed, fraudulent data to deny me service. I have presented my official XX/XX/XXXXXXXX XXXX Removal Letter and my XXXX Block Confirmation to these banks in person, but their internal 'risk ' systems are failing to refresh or recognize the legal status of my reports. I am requesting that these banks manually clear all internal fraud flags and pull fresh, clean consumer reports so I can open a standard account. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I noticed a charge of {$190.00} on my American Express statement for XXXX XXXX on the date XX/XX/2026. I did not make this charge. I am not the passenger listed on the ticket. I have filed disputes with both American Express and XXXX XXXX. Both keep closing my disputes saying it is a valid charge. I have had possession of my card the entire time so I did not report it stolen. They are refusing to treat this as the fraud that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Facts : 1. On the morning of XXXX I booked an XXXX XXXX that said free cancellations on the initial page in the bottom corner. See photo. 2. The address was provided to me from the owner of the property after the deposit of {$1500.00}. 3. I was at work when I booked it. I worked the majority of the day. Around XXXX XXXX I pulled the address that was given to me and did a XXXX search. I had sent the address to a friend to look at it while I was working. The friends reaction prompted me to take a closer look at the property. XXXX. Upon doing the XXXX search I immediately ( before XXXX ) cancelled my reservation. The reservation was for XXXX. XXXX. I sent a message to the owner telling him that the property does not look safe. Does not look as it appears in photos. 6. He returned {$77.00} and stated the rest was non-refundable. 7. This was a cancellation that was on the same day within hours. 8. I immediately called Wells Fargo and filed a claim. 9. I also did a complaint with the CFPB bc the the credit back was not done immediately. 10. The Wells Fargo rep contacted me within a few days. She was irritated with me on the call for opening this complaint. In her words I didnt even allow Wells Fargo to try and assist. 11. My request to get my {$1500.00} mine the {$77.00} was denied. 12. The taxes that he charged me and the other itemized information is listed on the attached receipt. Wells Fargo is allowing this gentleman to rip me off. Pls advise where I can escalate this to within Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Debt Recovery Solutions and their continued reporting of a disputed account on my credit report. I previously disputed this account directly with Debt Recovery Solutions via certified mail and formally requested validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any response, validation, or documentation from Debt Recovery Solutions. Despite failing to validate the debt, they continue to report this account to credit reporting agencies. Under the FDCPA, a debt collector must cease collection activity, including credit reporting, until proper validation is provided. Debt Recovery Solutions has failed to : Provide any validation of the alleged debt Respond to my written dispute Cease reporting the account This constitutes continued reporting of unverified and potentially inaccurate information. This inaccurate reporting has negatively impacted my creditworthiness, including a recent mortgage denial.

Company response to consumer: Closed with explanation