vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TX

Complaint narrative:
I am filing this complaint because inaccurate and unauthorized accounts are being reported on my consumer credit file and are causing ongoing harm. I did not open, authorize, or consent to these accounts, and I have repeatedly disputed them with the credit bureau ( XXXX ) and the furnisher ( XXXX ). Despite my disputes and supporting documentation, the items continue to be verified and/or re-reported without a reasonable investigation. 
I submitted an FTC Identity Theft Report ( Report XXXX. XXXX, dated XX/XX/XXXX ) and requested that the credit bureau ( XXXX ) block the fraudulent/unauthorized tradelines as required by the FCRA ( 15 U.S.C. 1681c-2 ) and reinvestigate under 15 U.S.C. 1681i. Instead of correcting the file, the bureau ( s ) and/or furnisher ( XXXX ) have continued reporting the disputed items, which results in incomplete/misleading reporting and ongoing damage to my credit standing. 
The accounts at issue include items reported under BANK XXXX XXXX ( XXXX ) opened XX/XX/XXXX balance {$1.00} - XXXX  XXXX ( XXXX ) opened on XX/XX/XXXX balance {$0.00} - XXXX XXXX XXXX  ( XXXX ) opened on XX/XX/XXXX balance {$0.00} - XXXX XXXX XXXX XXXX  XXXX ) opened on XX/XX/XXXX balance {$11.00} - XXXX XXXX XXXX  ( XXXX ) opened on XX/XX/XXXX balance {$0.00} shown in my documentation. I am requesting immediate deletion/blocking of these items, written confirmation of the actions taken, and the details of the investigation/verification method used ( including whether e-OSCAR/ACDV was used and what documentation XXXX actually reviewed ).

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: AK

Complaint narrative:
My mortgage was transfered from another mortgage servicer through FHA to Freedom Mortgage. According to the original servicer, the transfer was complete on XX/XX/year> and all further business and loan payments should be conducted with Freedom Mortgage. 

I have my Freedom Mortgage account number and tried creating an online account with Freedom Mortgage, but their web site would not allow this. I have tried this several times between XX/XX/XXXX and XX/XX/year>. The response is that Freedom Mortgage does not recognize me or the account. 

I have called their customer service dept. multiple times during this period and been told that they are still processing the transfer and that it is not active for payments or otherwise. I have been told to wait until they are done with their process, but they do not know when the process will be complete. 

Interest accrues continuously. I want to start making additional payments as soon as possible in order to reduce the amount of interest I am paying. Freedom Mortgage unfairly profits at my expense for every day that Freedom Mortgage delays in activating my account and providing a means by which I can make a payment.

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 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I made XXXX 's mortgage on the XXXX which was presented to the bank on XX/XX/year>. Due to a deposit delay the payment was not honored and returned. The funds were posted later that same day. I was assure by the bank it would re-presented and honored. I checked daily on the mortgage website and it did not show a return check, until today. I tried making the payment online, and it would not let me. 

On XX/XX/XXXX, I received an email from a XXXX XXXX, and tried calling to no avail. 

On XX/XX/XXXX, I called and spoke with a XXXX  rep at Fay Servicing who first told me they tried representing the payment several time before it was returned, and when I said that was not true, I was told they could not represent a payment unless they have my authorization, and that I could only make a payment with a XXXX  rep. However, when I tried making the payment for XXXX for {$2700.00}, with the rep, I was told they would not accept it, and that I had to pay {$7500.00}, which was for the month of XXXX and XXXX, in addition to late fees of {$1300.00}, and that for each day that the mortgage was not paid, I incurred {$77.00} in interest fees which would have to be paid before I could re-instate the loan. Further more, I tried speaking with the loss mitigation department but I was not transferred to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX Experian XXXX TransUnion XXXX Equifax for Failing to Remove Fraudulent Identity Theft Accounts My name is XXXX XXXX, and I am filing a formal complaint because the credit bureau has failed to properly investigate and delete multiple fraudulent identity theft accounts, despite receiving my dispute letter and FTC Identity Theft Affidavit. 

The following accounts were opened without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX ( Collection ) XXXX XXXX ( Collection ) XXXX XXXX XXXX XXXX ( Collection ) KikOff Lending LLC ( XXXX XXXX ) These are clear cases of identity theft. Under FCRA XXXX, the bureau is required to block and delete any fraudulent accounts within XXXX business days after receiving proper documentation. 

I provided : Written dispute Identity theft statement FTC Identity Theft Report Proof of identity Address verification The bureau has refused or failed to delete these fraudulent accounts. 

This failure has caused : Denial of credit Lowered XXXX XXXX Emotional distress Interference with a pending mortgage application Requested Resolution : I request immediate deletion of all accounts listed above, removal of any related inquiries, and a corrected credit report. I also request that the CFPB ensure the bureau complies with the FCRA. 

Thank you. 

Name : XXXX XXXX Email : XXXX Phone : XXXX Address : 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 2025-12-09 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I sent money to someones cash app and it was there old cash app that they no longer have access too and get get the money off the account. The person I sent it too called in to get the money transferred to there new account and cash app didnt help. I called and chatted numerous times asking for a reversal and they refused. 

It doesnt not make since how cash app is the only bank that cant dispute a transaction or refund one.

The person the money was sent too refuses to call back to cash app as they dont help. The lady told me my money would just sent on his old account in limbo forever This is wrong and extremely unfair to the consumer

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: NC

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian and Equifax credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$43000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have a negative report from regions bank on my credit over seven years old that the credit bureaus will not take off, and Ive disputed it several times. They wont even let me dispute it anymore

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 2025-12-08 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: PR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-08 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: PR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-08 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 am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit 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 2025-12-08 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 am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was a regular CashApp user for over a XXXX year time span. I used the application to pay XXXX separate hair stylists and for the rewards program for the coffee shop I use to frequent. I never had an issue until earlier this year in XX/XX/year>, where CashApp locked my account then presented a message stating that I have illegally used my account for XXXX  activity. I initially opened a support case with CashApp, XXXX, in XX/XX/year>, to review reopening my account explaining how I have been leveraging the account and was informed that it was documented that I was using my account for XXXX XXXX activity. I recently noticed my support case was closed out in XX/XX/year>. After realizing my support case was closed, I attempted to talk to support through the chat service on XX/XX/year> and was told to contact the phone support since they couldn't provide details surrounding why my account was flagged for illegal activity on the chat service because XXXX of the federal agencies prevents the chat support from providing case related details online. So for my next steps, I called CashApp on XX/XX/year>, in attempts to receive specific details surrounding what specific actions I took that violated the TOS with them specifying which sections of the TOS covers those activities. I was unable to get anyone over chat, phone, or email to explain what I did wrong and they continue to provide the same canned response over and over again. I have provided screenshots of some of the emails from the support case where they provided absolutely no explanation and just linked me to the TOS FAQ that still doesn't explain why my account was closed. There is no explanation in the email saying even which section of the FAQ link to review to determine why my account was closed. I would like to have my account reopened because I know for a fact that I wasn't doing anything illegal, I was literally sending cash to someone. Outside of this agency, I did file a complaint though the XXXX and was met with the same limited response from CashApp saying I violated the TOS. If I am unable to reopen my account, I would like for someone to provide specific details surrounding why my account was closed. I have never seen any company that couldn't provide any specific details surrounding your account other than you completed some unknown illegal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
On XX/XX/year>, XXXX XXXX ( the furnisher ) sent a written communication confirming that my account ( ending in XXXX ) was " Paid in Full. '' This acknowledgment directly contradicts any negative classification.Despite this, XXXX XXXX has continued to furnish an inaccurate " account abuse '' designation to ChexSystems.On XX/XX/year>, I sent a formal written dispute via certified mail to XXXX XXXX. This letter cited the Fair Credit Reporting Act ( FCRA ), specifically $ \S 623 , and demanded : Full disclosure of the exact language, codes, and evidentiary basis for the " account abuse '' designation.Immediate correction or deletion of the designation if it could not be fully verified as accurate and complete.As of today, XX/XX/year>, I have not received the required verification or an acknowledgment that the inaccuracy will be corrected. Furthermore, XXXX issued XXXX communications today, including Consumer Disclosure Reports, which still reflect the contradictory and unverifiable " account abuse '' status.XXXX XXXX XXXX  failure to conduct a reasonable investigation, verify, and/or correct this inaccurate information within a reasonable timeframe is a violation of its duties as a furnisher under the FCRA.I demand the immediate deletion of the " account abuse '' designation reported by XXXX XXXX from my XXXX file .

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