vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I received a debit card in the mail from Cash App under my full name, with the card displaying the user XXXX XXXX. This user is publicly listed as my full name. 

I do not have a Cash App account, and I did not order a debit card from Cash App. User XXXX XXXXXXXX is not me. This appears to be identity fraud. 

At XXXX XXXX  EST, I made an attempt to contact Cash App 's support team over phone. I have thoroughly explained my issue over the phone as requested. They have made the promise to call back within 20-40 minutes. As of XXXX XXXX  EST, I have still yet to receive a call back from Cash App 's support team. 

The only other options available for support are through the Cash App app 's live chat ( I do not have a Cash App account, so I'm unable to access this ), and social media ( I do not use social media at all, so this is also unavailable for me ). Cash App appears to provide a mailing address, but this identity fraud is an issue too urgent for mail. I'm unable to find any email or other alternative methods to contact Cash App 's support team in a reasonably timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account 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 non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Company called me about a debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I am disputing a medical collection account in the amount of {$1000.00} being reported by Telerecovery Corp. 

On XX/XX/year>, and again on XX/XX/year>, I submitted debt validation requests to Telerecovery ( via webform and U.S. Mail ). They never provided any documentation validating this alleged debt. 

After my webform submission, I received an email response from Telerecovery asking me to call in. This acknowledgment proves they received my request. Based on that email, I called and spoke with a representative, XXXX, on XX/XX/year>. She confirmed they had no record of any authorization for this debt. She said documentation would be mailed, but nothing was ever sent. 

On XX/XX/year>, I filed a dispute with XXXX. They marked it completed and verified even though no documentation was produced. This suggests XXXX  verified the account without evidence, violating their duties under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

The same account is also reported by TransUnion, despite my ongoing disputes and the lack of validation. 

Violations : Telerecoverys failure to validate violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

XXXX  and XXXX actions violate the FCRA, which requires a reasonable reinvestigation before verifying disputed 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: WV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I opened an account with Citizens Bank. I then deposited a check for XXXX roughly. It was an inheritance. I made a few large transactions and transferred a few large transactions. I was in contact with the local bank the whole time to assure I would have no problems. I then went to open my account one morning and was denied access. My card did not work. I contacted the bank and they said the account had been paused. They said they could not give a reason until we got a letter in the mail. Once a letter arrived, all it said was that my account had been closed and there was again no reason. The letter stated if I tried to access the account it would freeze the account and it would take longer to get my money pending investigation. I called customer support line. They were of no help, they stated the same thing the bank said that they could not help. I spoke to a supervisor several times only to be told that the account over drafted, while knowing I had well over XXXX still in the account. They then said that I would receive a check containing the full amount of funds from the account. Weeks later, I received a check for XXXX XXXX  with no information about what account it was from or anything helpful. I don't recall have XXXX XXXX  in savings and certainly not checking. I went to the bank to ask for statements and for them to look into what happened. They vaguely said there was a transfer to an account number that nobody recognized. The branch manager then said that it was possibly my old checking account number and they couldn't see who owned the mysterious account number unless they contacted their back offices. I then asked for statements dating back to the opening of Saudi accounts. They said they would contact their back offices and reach back out when we could come pick them up. They also stated the XXXX XXXX  check was possibly from the savings account and that there would be another check within a couple days. They also stated if one didn't come, to go back to the branch so they could have another one sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-22 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: GA

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting multiple late payments without providing original records, violating FCRA 607 ( b ), 611. 

XXXX  XXXX is reported as both Charged Off and Transferred/Sold, which is contradictory and inaccurate, violating FCRA 623 ( a ) ( 1 ) ( A ), 611. 

XXXX also shows Charged Off and Transferred/Sold at the same time, which is misleading and unverifiable, violating FCRA 623 ( a ) ( 1 ) ( A ), 611. 

I request a reasonable investigation and correction or deletion of all unverifiable information.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Dispute False and Misclassified Reporting Tradelines in Dispute : Dept. of Education XXXX XXXX XXXX XXXX  loan ) You report Open/ {$1000.00} while XXXX XXXX XXXXXXXX {$0.00}. 
XXXX XXXX XXXX Misclassified as Installment Rental, should be Open/Service account ( monthly rent ). 
AKA Name XXXX XXXX false identity contamination. 
Errors Identified : Contradictory statuses across CRAs = inaccuracy under FCRA 607 ( b ).

Improper account type coding for rent tradeline violates Metro 2 Portfolio Type and Terms Duration.

AKA mismatch violates FCRA 609 ( a ) ( 1 ) and 611.

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 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: PA

Complaint narrative:
I was trying to pay off my loan and it kept on denying. I called the company multiple times to rectify it and they said they would call me back.its been a month and I still didn't get a resolution. This has added more interest on the loan I was trying to pay off ; about {$500.00} to be exact. No call back yet from this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: VA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent account is : XXXX XXXX XXXX ( {$2700.00} ). The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-09-22 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: VA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent account is : XXXX XXXX XXXX ( {$2700.00} ). The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
CashApp Issue- Going on 3 months Now it is going on 3 months and no response. Several calls have been made and I have spoken to 3 individuals however there has been no follow up email or call regarding this matter. 

Please kindly advise as the the resolution of this issue which should not have taken 3 months and still no resolution. 
Sent from XXXX On XX/XX/year>, at XXXX, XXXX XXXX XXXX wrote : This is payment to my Sister for my portion of dinner at the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX on XXXX XXXX for my XXXX XXXX 


Sent from XXXX On XX/XX/year>, at XXXX, Cash App Support XXXX wrote : Hello XXXX, Were reaching out to help us gain a better understanding of some recent activity on your account.On XX/XX/year>, you sent a payment for the amount of {$80.00}, with " XXXX XXXX in the subject line. 

Please reply to this email with information detailing the purpose of the payment, including an explanation of what was being paid for with this transaction and your relationship to the recipient. 

Cash App has a policy to comply with XXXX laws regarding economic sanctions. Engaging in transactions that involve jurisdictions sanctioned by the United States, or engaging in any other activity that violates XXXX sanctions is prohibited under Cash App 's General Terms of Service. 

Please note that failure to respond to this email in five days will result in adverse action being taken against your account. 

Thank you in advance for your response. 



XXXX Cash App Compliance thread : XXXX : :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made a single payment of {$7000.00} to Mohela from my XXXX XXXX XXXXXXXX account. My bank statement confirms this transaction cleared on that date. 

Mohelas account history does not match my bank records. Instead of showing one {$7000.00} payment, Mohelas ledger splits it into three separate payments ( two dated XX/XX/XXXX and one dated XX/XX/XXXX ) totaling about {$7000.00}. Mohela also shows a {$1500.00} refund/cancellation that was never deposited into my bank account. 

This is fraudulent accounting. By changing dates, splitting one payment into multiple transactions, and showing a refund that never occurred, Mohela created the false impression that I did not make the full payment. This inflated my balance and undermined my targeted payment toward my highest-interest loans.

The Department of Educations official record on XXXX directly contradicts Mohelas accounting. For my XXXX XXXX XXXX XXXX of {$1500.00}, XXXX shows Loan Disbursed {$1500.00}, Loan Canceled {$0.00}, and Outstanding Principal {$1500.00} ( Interest {$15.00} ). Mohela, however, recorded a 120 Day Loan Cancellation/Refund of {$1500.00} that never reached my bank and is not reflected in EDs system. This demonstrates fraudulent and inaccurate servicing by Mohela. I request reconciliation so that Mohelas records match XXXX, removal of the phantom refund, reversal of any fees/interest caused by it, and written confirmation of my corrected balance and allocations. XXXX totals show {$20000.00} principal / {$15.00} interest, while Mohela shows has records of inflating my loan account previously and is still accurate as of XX/XX/XXXX. 

When I raised this issue, Mohela told me to prove the {$1500.00} was paid. But my bank statement already proves the entire {$7000.00} payment was made on XX/XX/XXXX. The problem is Mohelas own fraudulent recordkeeping. 

In addition, my official federal record on XXXX ( XXXX ) does not match Mohelas ledger. As of XX/XX/XXXX, XXXX shows my balance as {$20000.00} with only {$15.00} in interest, while Mohela shows inflated balances and transactions. This suggests Mohela is misreporting my loan information to the Department of Education. 

I am disputing this error. Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693f ), Mohela must provide documentation ( ACH trace or check number ) showing where the alleged refund went. No such refund ever appeared in my account. This is not only a servicing error but also fraudulent and deceptive accounting.

Company response to consumer: Untimely response