vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I mistakenly sent {$300.00} through Cash App to a phone number that previously belonged to my sister. She had changed her number, and no one is currently assigned to the old number. Because the number is inactive, the intended recipient never received the funds. 

I contacted Cash App immediately. I was told that since the phone number was no longer active and no user had access to it, the payment would automatically be returned to me after 14 days if it remained unclaimed. After the 14 days passed, the money did not return to my account. 

I then filed a dispute through Cash App on XX/XX/year>. I was told the dispute process would take up to 14 days. When I checked the status in the app on XX/XX/year>, I saw the dispute had been denied without any explanation. I contacted Cash App support again on XX/XX/year>, and was told that someone would email me with the reason for the denial, but as of XX/XX/year>, I have received no explanation. 

During this process, Cash App told my sister that she should send me {$300.00} to resolve the issue. She did send me {$300.00}, but this did not correct the original missing {$300.00} transaction. I returned that money to her, and the original {$300.00} is still missing. 

I am requesting assistance because : Cash App gave incorrect information about the automatic refund. 
Cash App denied my dispute without providing a reason. 
The funds were sent to an inactive phone number with no Cash App user attached to it. 
Cash App has not explained where the funds went or why they can not be returned. 

I am asking that Cash App provide a written explanation of their decision and refund the {$300.00} that never reached any valid Cash App user.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
XXXX : Wrongful Foreclosure Despite Full Reinstatement Family Hardship & XXXX Impact I am filing this complaint against XXXX XXXX XXXX and its foreclosure attorney XXXX XXXX XXXX regarding my property : XXXX XXXX XXXX, XXXX, TX XXXX Loan Number : XXXX I received a Reinstatement Quote from XXXX dated XX/XX/XXXX indicating that payment of {$7700.00} would stop foreclosure. On XX/XX/XXXX, I wired the reinstatement amount exactly as required. XXXX has posted the payment in my account. 

Despite this, foreclosure has not been stopped, and my home remains scheduled for sale on XX/XX/XXXX, which is contradictory to their written reinstatement terms and constitutes prohibited dual tracking under federal servicing rules. 

Severe Hardship and XXXX Impact In addition to the financial and procedural violations, this situation has caused serious emotional and psychological harm to my family. 
I have an XXXX son with XXXX, and due to repeated foreclosure threats and legal notices posted on our door, he has developed extreme fear and anxiety about losing our home. 
My entire family is suffering distress, lack of sleep, and constant fear of displacement. 

This violates federal guidelines regarding : Protection of XXXX household members XXXX servicing conduct Prohibition of deceptive foreclosure continuation after reinstatement payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. Late accounts : XXXX XXXXXXXX Balance : {$1500.00} CCB/BALANCE XXXX Balance : {$0.00} Legal Basis : 1.15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 2.15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 3.15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 4.15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. Legal Precedent : In XXXX XXXX Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

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 2025-12-09 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. Late accounts : XXXX XXXXXXXX Balance : {$1500.00} CCB/BALANCE XXXX Balance : {$0.00} Legal Basis : 1.15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 2.15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 3.15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 4.15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. Legal Precedent : In XXXX XXXX Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/year>, I paid XXXX Affirm accounts in full after they had been charged off and sent to collections ( XXXX ). I requested updated reporting and debt validation directly from Affirm. Affirm confirmed in writing that both loans are paid in full, charged off, and that I am no longer responsible for repayment. Despite this, Affirm continues to verify inaccurate information with the credit bureaus, including an outstanding balance and incorrect account status. The information Affirm is reporting is not consistent with their own validation letter, payment confirmations, or my updated account records. This is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting or verifying information they know or should know is inaccurate. I am asking for CFPB assistance because the company has not corrected the reporting after multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
To Whom It XXXX Concern, I am writing regarding the above referenced auto loan accounts. I entered into XXXX settlement agreements with your company for these accounts, and both settlements were paid in full, concluding my financial obligation to you. 

However, despite the completed settlements, my credit report continues to show these accounts as charge-offs, which is factually incorrect and damaging. This inaccurate reporting has caused me repeated denials when applying for auto financing, and it violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), which requires all information furnished to credit bureaus to be accurate and complete. 

This letter serves as a formal demand and cease and desist notice. 

I am requesting that your company : XXXX. Immediately correct the inaccurate reporting of both accounts ; or XXXX. Remove ( delete ) the accounts entirely from all credit bureaus ( XXXX XXXX XXXX XXXX  ), as they continue to be incorrectly reported as charge-offs even though the debts were settled. 



Because the accounts were settled in full, reporting them as charge-offs is misleading and constitutes an inaccurate representation of the account status. 

Additionally, I am requesting that you : Cease and desist from reporting any inaccurate information regarding these accounts. 

Provide written confirmation that the necessary updates or deletions have been completed. 

Update all credit reporting agencies within 15 days of receiving this notice. 


Failure to correct this matter XXXX result in further action, including filing formal complaints with : The Federal Trade Commission ( FTC ) My states Attorney Generals Office I expect written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: LA

Complaint narrative:
I am filing a complaint against Credit Control , LLC regarding a collection account they are furnishing inaccurately and inconsistently to the credit reporting agencies. 

This collection account was deleted by both XXXX XXXX XXXX after their investigations. However, Credit Control , LLC continues to report the account only to XXXX, even though no documentation has been provided to validate or verify the debt. 

Under the FCRA ( 15 U.S.C. 1681s-2 ), a furnisher is legally required to : Report accurate and consistent information across all consumer reporting agencies Provide verification and documentation when a consumer disputes the validity of an account Update or delete the account when other bureaus find the information unverifiable I disputed this account with all three bureaus : XXXX deleted the account XXXX deleted the account XXXX falsely verified the account on XX/XX/year> without providing any documentation to me This inconsistency shows the furnisher is not providing the same information to all bureaus, which is a direct violation of FCRA 623 ( a ).

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint regarding multiple willful violations of the Fair Credit Reporting Act and the continued publication of inaccurate, misleading, incomplete, and unverified information by Equifax and the listed furnishers. After prior disputes, the following inaccuracies remain reported without correction or proof of investigation :XX/XX/XXXX XXXX XXXX Account XXXX Reports Over 120 days late, including 90, 150, 180 Days late in XXXX, although Last Payment shows XX/XX/XXXX, making the aging timeline mathematically impossible. 
Reports student loan status with disaster codes, despite no proof provided of disaster assistance application. 
Past due fluctuates without payment, which is inconsistent with static principal balance. 

* XXXX XXXX XXXX Account XXXX XXXX 90 and 150 day delinquencies, despite Last Payment date XX/XX/XXXX, creating the same chronological and mathematical impossibility. 
Past due increases but no payment activity, which is inaccurate reporting under Metro 2 guidance. 
Reporting Account resolved/ Previously in dispute codes while still reporting negative history referencing resolution. 

DUPLICATE REPORTING ON ONE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-12-09 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: GA

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the XXXX business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX TRW Inc. and XXXX XXXX Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.

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 2025-12-09 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: IN

Complaint narrative:
I want to emphasize that this complaint is valid and not the result of any misunderstanding. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy. These errors are having a significant negative impact on me, and the situation continues to cause serious hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$8700.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-09 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. Late 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 Legal Basis : XXXX U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 2.15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 3.15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 4.15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. Legal Precedent : In Cushman v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

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 2025-12-09 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. Late 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 Legal Basis : XXXX U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 2.15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 3.15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 4.15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. Legal Precedent : In Cushman v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
On XXXX I filed a dispute with XXXX. The dispute was with pofolio recovery associates ( XXXX ) ( XXXX ). I requested method of verification and all documents use to verify this alleged account. I requested the original contract from the original creditor with my signature. proof of chain of ownership of the alleged debt. They company stated that they didn't have to provide this.please help with getting this account removed immediately from my credit report because they can't provide any documentation that this alleged debt is mine. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

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