vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: OR

Complaint narrative:
Cash App refunded XXXX unauthorized transactions for the same gambling merchant XXXX XXXX XXXX XXXX but denied XXXX identical transactions. I appealed and Cash App refunded XXXX more but froze the remaining XXXX and escalated the case to the partner bank ( XXXX XXXX  ). I am requesting CFPB assistance to require a consistent RegulationI am appealing the inconsistent handling of my unauthorized transactions involving the merchant XXXX  / XXXX XXXX  on my Cash App XXXX  Debit Card issued by XXXX XXXX. 

I reported XXXX unauthorized transactions in total. Cash App refunded XXXX during the first investigation. After I appealed, Cash App refunded XXXX more, bringing the total to XXXX approved disputes. 

However, XXXX identical transactions were denied even though : They are the same merchant They follow the same pattern They include identical descriptions They are the same type of illegal gambling transfers No authorization or merchant evidence exists Many refunded transactions were higher amounts than the denied ones This is a clear inconsistency and violates the fair investigation requirements under Regulation E ( 12 CFR 1005.11 ). 

When I contacted Cash App, they told me my case was sent to the right team for further review and then stopped processing the remaining appeals, which indicates the case has been escalated to XXXX XXXX  Regulation E team. 

I am requesting the CFPB to require : A complete Regulation E reinvestigation of the remaining XXXX denied transactions XXXX XXXX  to provide the required reason codes, merchant evidence, and written determination Consistency with the XXXX disputes already refunded Full compliance with Regulation E for unauthorized electronic fund transfers Evidence Submitted : I uploaded the following files : Final_CFPB_Appeal_Packet.pdf Contains my official appeal letter All screenshots of refunds and denials Full explanation of inconsistencies XXXX Spreadsheet of all XXXX transactions Marked refunded vs denied Identical merchant name and pattern Summary Cash App already confirmed these transactions were unauthorized by refunding XXXX of them. The remaining XXXX denials are arbitrary and inconsistent and require review by XXXX XXXX. I am asking the CFPB to ensure a complete and fair Regulation E reinvestigation. E reinvestigation of the remaining XXXX denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Currently, BMO Bank has inaccurate information about me that is based on an unreliable account that does not belong to me. A full Method of Verification was requested ( FCRA 611 ). As far as the account and the debt are concerned, BMO could not provide any documentation proving the accuracy of the information or the account. FCRA requires furnishers to verify or remove disputed information. Having not provided any documentation or verification, BMO 's report can not be verified and should be removed. In this case, I am requesting CFPB assistance to compel BMO to provide valid documentation or to remove the negative item altogether.

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 2025-11-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-24 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:
I am submitting this complaint because Equifax continues to report a XXXX XXXX XXXX account that is obsolete, inaccurate, and unlawfully reinserted into my credit file.This account was charged off and closed over XXXX years ago, which exceeds the seven-year reporting limit under FCRA 605 ( a ) ( 5 ). Despite being obsolete, the account has been reinserted multiple times after prior deletion without any written notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ) .Equifax also continues to show late payments after charge-off, which is factually and legally incorrect because no payments are due once an account is charged off. This constitutes inaccurate reporting under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) .I have disputed this matter directly with Equifax XXXX but they have failed to properly reinvestigate or provide verification documentation. I am requesting the CFPB to intervene and require Equifax to delete this reinserted, obsolete, and falsely reported account immediately and ensure full compliance with all FCRA provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} ( Original Creditor : ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$150.00XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-24 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-11-24 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: SC

Complaint narrative:
These accounts are unauthorized and are not mine. I would like these accounts to be removed from my credit report immediately.

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 2025-11-24 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: SC

Complaint narrative:
These accounts are unauthorized and are not mine. I would like these accounts to be removed from my credit report immediately.

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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am disputing a debt reported by XXXX XXXX XXXX for {$1700.00}. This account is allegedly connected to XXXX XXXX XXXX, but I have never opened or authorized any account with XXXX XXXX XXXX. This is a case of identity theft, and I do not owe this debt. 

Additionally, XXXX XXXX XXXX increased the balance, even though the official letter from XXXX XXXX XXXX  shows the debt was sold for {$920.00}. Their inflated amount is inaccurate and misleading. Because this account is fraudulent and the balance has been improperly increased, I am requesting that it be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am filing this complaint because multiple credit bureausExperian, Equifax, and TransUnion have reported inaccurate addresses, unauthorized inquiries, and conflicting account information on my credit files, all in violation of the Fair Credit Reporting Act, including but not limited to FCRA 611 requiring proper reinvestigation, 623 ( a ) ( 1 ) ( A ) mandating accurate reporting, 623 ( a ) ( 2 ) and 623 ( b ) requiring furnishers to correct and investigate disputed information, 605 ( a ) prohibiting obsolete or inaccurate data, and 604 ( a ) requiring permissible purpose for inquiries. Experian continues to show false addresses at XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXXXXXX XXXX XXXX AL XXXX, while Equifax lists incorrect addresses at XXXX XXXX XXXX XXXX XXXX, AL XXXX and XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX, and TransUnion reports inaccurate addresses at XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX, AL XXXX none of which belong to me, indicating severe file contamination. Furthermore, the XXXX XXXX  account ending in XXXXXXXX XXXX XXXX, which was deleted in Experian, continues to appear with conflicting dates and balances in Equifax and TransUnion, violating the requirement to report accurate DOFD and maintain consistent data across bureaus. Equifax has also reported multiple unauthorized inquiries dated XX/XX/XXXX from XXXX, XXXX, XXXX ( duplicate ), XXXX, and XXXX from XXXX on XX/XX/XXXX, while TransUnion displays unauthorized XXXX XXXX  inquiries dated XX/XX/XXXX and XX/XX/XXXX, all lacking permissible purpose under FCRA 604 ( a ). These combined inaccuracies and failures to investigate have caused significant harm, placed my identity at risk, and demonstrate clear noncompliance by the bureaus and furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am filing this complaint because multiple credit bureausExperian, Equifax, and TransUnion have reported inaccurate addresses, unauthorized inquiries, and conflicting account information on my credit files, all in violation of the Fair Credit Reporting Act, including but not limited to FCRA 611 requiring proper reinvestigation, 623 ( a ) ( 1 ) ( A ) mandating accurate reporting, 623 ( a ) ( 2 ) and 623 ( b ) requiring furnishers to correct and investigate disputed information, 605 ( a ) prohibiting obsolete or inaccurate data, and 604 ( a ) requiring permissible purpose for inquiries. Experian continues to show false addresses at XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXXXXXX XXXX XXXX AL XXXX, while Equifax lists incorrect addresses at XXXX XXXX XXXX XXXX XXXX, AL XXXX and XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX, and TransUnion reports inaccurate addresses at XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX, AL XXXX none of which belong to me, indicating severe file contamination. Furthermore, the XXXX XXXX  account ending in XXXXXXXX XXXX XXXX, which was deleted in Experian, continues to appear with conflicting dates and balances in Equifax and TransUnion, violating the requirement to report accurate DOFD and maintain consistent data across bureaus. Equifax has also reported multiple unauthorized inquiries dated XX/XX/XXXX from XXXX, XXXX, XXXX ( duplicate ), XXXX, and XXXX from XXXX on XX/XX/XXXX, while TransUnion displays unauthorized XXXX XXXX  inquiries dated XX/XX/XXXX and XX/XX/XXXX, all lacking permissible purpose under FCRA 604 ( a ). These combined inaccuracies and failures to investigate have caused significant harm, placed my identity at risk, and demonstrate clear noncompliance by the bureaus and furnishers.

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 2025-11-24 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
On or around XX/XX/XXXX, I noticed that Aidvantage started to furnish data about me to XXXX, XXXX, and XXXX stating that I owed them for an unidentified account. Aidvantage used my social security number and other private information to open an account in my name. They reported negative things to my credit report to coerce payments from me. This inaccurate reporting to the credit reporting agencies negatively impacted my credit score and made me appear as if I wasnt creditworthy. I reached out Aidvantage via certified mail on XX/XX/XXXX asking them to cease all collection and reporting efforts until the alleged debt is validated. Aidvantage never responded with the requested as well as continued to furnish this inaccurate and unverified information. I never received any of the documents I requested so I contacted them again on XX/XX/XXXX. Still Aidvantage, didnt respond or remove the negative reporting from neither of the 3 credit reporting agencies. This is my last attempt to get this problem fixed before I am forced to take this complaint to the XXXX XXXX District Courts to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Chime Financial Inc
State: OR

Complaint narrative:
Ive taken it into my own hands and have called various times regarding a chime check refund that I had requested to be sent to me since they were closing my account. The checks they have sent have all been processed inaccurately and will not allow me to cash the check because there is no bank institution listed on the check. I have called in to ask for new checks to make sure they put a bank on it and they have failed to do so. Nothing has been resolved. I dont have access to my money and they wont reopen my account. The check was issued for XXXX and has not been resolved even after they said they reported this and that I would recieve an email in XXXX hrs, which I did not recieve. Ill be calling again but I feel like there is nothing I can do to get my money back, they didnt give me any options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
The handling of my biweekly payments is being presented as a benefit but, in reality, results in a financial disadvantage to the borrower. 
Heres whats occurring under the current setup : My total monthly payment is {$3100.00}. 
Each half-payment of {$1500.00} is withdrawn biweekly. 
The first half-payment sits in a suspense account for about XXXX weeks and is not applied to principal or interest until the second half is collected. 
During this time, interest continues to accrue on the full balance, which was {$500000.00} at origination. 
As a result, my principal remains higher for most of each month, and the early interest savings typically associated with true biweekly amortization never occur. 
Quantified Financial Impact Based on the amortization data from Freedoms own loan schedule and a comparison to a true biweekly amortization plan : Structure Total Interest Loan Duration Interest Savings Freedom ( Current Monthly Application ) {$610000.00} 30 years True Biweekly Amortization {$570000.00} XXXX years {$43000.00} saved The differenceapproximately {$43000.00} in additional interest and XXXX extra years of paymentsis entirely due to how Freedom holds payments unapplied in suspense instead of crediting them when received. 
This method benefits the servicer by keeping funds on hold longer while borrowers continue paying interest on higher principal balances. 
Disclosure and Compliance Concerns This biweekly collection, monthly application process was never disclosed in : My Closing Disclosure ( CD ) from XXXX. 
The loan transfer documentation from Freedom. 
The biweekly enrollment or modification agreement. 
Under 12 CFR 1024.33 ( c ) ( RESPA ), a servicer must clearly disclose how partial payments are treated, including when funds are held unapplied. 
Under the Truth in Lending Act ( TILA ), a servicer must accurately disclose payment application methods that affect how interest accrues and how long the borrower will pay on the loan. 
By failing to disclose this suspense handling policyand by advertising the biweekly program as a means to save interest or shorten the loan termFreedom Mortgages program presentation becomes deceptive and financially misleading. 

have attached my Qualified Written Request ( QWR ) and the Amortization Comparison Chart for your reference. Please confirm receipt and provide a written response outlining Freedoms position and corrective steps within the required RESPA response timeframe. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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