vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I am filing a complaint regarding an account takeover involving my Cash App account. 

On or about XX/XX/year>, my Cash App account was compromised. Without my authorization, my email address ( XXXX ) was removed from my account and replaced with an XXXX email address that I do not own or control. I did not authorize this change. 

In addition to the unauthorized email change, the individual who gained access to my account also removed my linked bank account, unlinked my debit card, and removed my phone number without my consent. These actions locked me out of my account and prevented me from securing or recovering it. 

After my account was taken over, funds totaling {$2900.00} were removed without my authorization. These transactions were fraudulent and occurred after I lost access to my account. 

I immediately reported this fraud to Cash App and was assigned case number # XXXX. I have been informed that the case is still under review by a specialty team ; however, my account has not been restored and my stolen funds have not been reimbursed. 

This fraud caused severe financial hardship. As a result of the unauthorized loss of {$2900.00}, I was nearly displaced from my home. I am a single mother supporting XXXX children, including XXXX XXXX  with XXXX, and I rely on each paycheck to meet basic living expenses. The loss of these funds created an immediate and serious hardship for my family. 

This incident constitutes fraud and an account takeover. I am requesting a full investigation, restoration of my account to my correct email address and phone number, relinking of my legitimate bank and debit card, and reimbursement of the {$2900.00} in unauthorized transactions. 

I have attached screenshots showing the unauthorized activity. These include evidence that my account login was changed to an XXXX email address I do not recognize, confirmation that a debit card ending in XXXX was linked without my authorization, and a transaction record with reference number XXXX showing unauthorized movement of funds. These actions occurred after my legitimate email, phone number, bank account, and debit card were removed from my account. This documentation clearly demonstrates account takeover and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NY

Complaint narrative:
I am an XXXX XXXX XXXX XXXX service member. EdFinancial Services has failed to apply Servicemembers Civil Relief Act ( SCRA ) protections to my federal student loan despite being notified of my XXXX XXXX status. 

EdFinancial has also failed to respond to multiple written communications requesting SCRA compliance. Interest and/or negative credit reporting has continued in violation of federal law.

I am requesting immediate application of SCRA protections, retroactive correction of interest and fees to the start of my XXXX XXXX service, correction of any adverse credit reporting, and written confirmation that my account is SCRA-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I tried disputing twice on transunion and Equifax, it got disputed at first but came right back. I know my laws and according to the15USC1681c-2, it's not supposed to allowed to come back as it is fraudulent information and should be blocked. My credit score as tanked by XXXX points in a span of a month. I can't apply for credit cards or build my credit now. The two things on my credit are : XXXX Education Loan Status reporting : 120+ days late / Derogatory Dispute reason : I believe the reporting contains inaccurate or incomplete information. I request verification of dates, payment history, and status. If the furnisher can not validate the late or derogatory information, it must be corrected or removed. 
XXXX. XXXX XXXX XXXX XXXX Credit Card Status reporting : In Collections/ Charge-off / Closed by credit grantor Dispute reason : This account may be inaccurately reported and/or not fully validated. I request full proof of the debt, accurate balance details, correct dates, and verification of the charge-off status. If validation can not be provided, the entry must be deleted. 
I have received no information for either and the payment history is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Well i opened a new account because XXXX XXXX stoped using mastercard debit cards and i travel a lot and they wont accept XXXX  so i made an account in XXXX XXXX amd i deposited my payroll check and i have not received that amount back after they closed my account and its been two months almost or more

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 monetary relief
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-28 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them.They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NC

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 2025-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have notified the mortgage company that my mortgage information has been listed on XXXX  by individuals identified as XXXX and XXXX XXXX, who are engaging in fraudulent activities. Furthermore, I informed them that these individuals perpetrated a data breach affecting the entire mortgage company in XXXX and XXXX. I also communicated that I have been receiving text messages from my scammer, in which she falsely claims to have sold my home. Additionally, I reported that XXXX XXXX has improperly processed a payment that resulted in the addition of monthly late charges to my account. I provided evidence of a name change that occurred three years ago ; however, this information appears to have had no impact. Despite reaching out to the FHA, my efforts have been continuously obstructed by my scammer. It is important to note that while this portion of the claim pertains to our credit reports, my scammer has been responsible for multiple data breaches on a global scale.. I am hereby reporting another cyber incident involving XXXX XXXX and XXXX XXXXXXXX XXXX regime. On XX/XX/XXXX, at XXXX XXXX, I received an alert from XXXX  credit bureau to my work e-mail. I did not initiate a dispute with XXXX  due to XXXXXXXX XXXX XXXX ability to compromise it. Furthermore, XXXX XXXX continues to propagate the effects of my identity theft. She remains within my network, and despite her awareness of my report regarding this data breach to the Federal Bureau of Investigation and the XXXX XXXX Police, she consistently obstructs all measures taken to resolve the issue.

Additionally, I have been informed that XXXX XXXX harasses me daily via the email account XXXX, seeking to make me aware of her unlawful actions targeting my credit, as well as the ongoing investigation by the IRS concerning our social security numbers. It is also noted that XXXX and XXXX are cognizant of their investigation by both the FBI and the XXXX XXXX XXXX. I will be meeting with them shortly to discuss the persistent harassment and the global cyber attacks affecting not only my family and me but also innocent individuals.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I was selling a {$15.00} item on XXXX XXXX. This profile contacted me on XX/XX/year> wanting to buy it. They asked for my email to send the XXXX payment and then I received this email : Unfortunately, we're unable to credit the amount of ( {$15.00} USD ) into your account now due to the status of your account not being set up yet to accept payment from business account users which makes your account due for expansion. For assistance call : XXXX ( XXXX ) XXXX. 

It had the XXXX logo and the email address actually looked like a legitimate email address. Not the ones you normally see from scammers. So I called and got in touch with a person who told me the call was being recorded. He gave him a badge number. So it all sounded legitimate. And he told me this person had sent an additional {$500.00} because my account couldn't receive payments from business accounts. Then he spent an hour trying to get that money from me to pay her back. He did it in small amounts because it kept getting flagged. I finally realized it was a scam when he asked if I could try going to a XXXX or XXXX and getting an XXXX gift card instead. Then I called XXXX myself and asked if the phone number and email were legitimate and they said no. 

So I called CashApp and my bank to try to get all payment stopped. My bank said they couldn't stop the CashApp ones and that I had to do that through CashApp. CashApp said they'd get right on it and send everything to their fraud department. 

However today, I received this email from CashApp : My name is XXXX, your Cash App Account XXXX. Thank you for providing that information. 
We compared the transaction you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( s ) was authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed. 
You are entitled to request the documents upon which our denial was based. To initiate this request, please click here ( XXXX XXXX XXXX ). 
For your reference, the case number associated with this claim decision is XXXX. 


The problem is, an error DID occur. This was a fraud scam and I notified them immediately after it happened. I asked them to block the transactions right after they happened so they should never have gone through in the first place. They transactions were still showing as processing in my bank for 2 days after this so there was time on their end to cancel these transactions. 

I have filed fraud reports with the local police and the FTC. I have filed with my bank. But now I need my money back from CashApp because they were notified within minutes of these transactions taking place. They should have canceled these immediately. I did my due diligence. They failed to do theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes 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 2025-12-28 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX filed on FTC Complaint XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes 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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Bank of America XXXX payment held in XXXX XXXX with no resolution Summary of Issue : A XXXX transfer sent from XXXX Bank of America business account has been placed on hold for compliance review for over 7 days with no clear resolution or timeline. The payment was for a domestic jewelry transaction within the United States, and there is no connection to XXXX, sanctioned countries, or XXXX parties. The word XXXX was included in the memo strictly to describe the style of gold bracelet, which triggered the hold. 

Details of Transaction : Bank : Bank of America XXXX type : XXXX Status : Pending Review/Hold for XXXX XXXX XXXX Amount : {$2000.00} Date of Transfer : XX/XX/year> Recipient : XXXX XXXX XXXX XXXX Purchase of a XXXX Cuban-style gold bracelet Bank support has confirmed XXXX the hold is specifically due to the word Cuban in the memo. I have repeatedly contacted support and have been told only that the transaction is under review, with no movement, timeline, or option to release or reverse the payment. This has locked up business funds needed for operations. 

I have documentation showing that this is a legitimate domestic jewelry purchase, the bracelet has already been received, and I have even paid the seller while the transfer remains frozen. I am simply requesting that Bank of America reverse the payment back in my account. At minimum, I need a compliance update or decision so funds are not indefinitely held.

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 monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting related to my former XXXX XXXX account ( Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which appears on my Experian credit report. 

According to my Experian report, XXXX XXXX is reporting that I was * * XXXX  days late on this account XXXX ( XXXX ) times * *. This information is * * inaccurate and misleading * * and has caused significant harm to my credit profile. 

Additionally, Experian lists * * no available date * * for this account while simultaneously reporting repeated XXXX-day delinquencies. This inconsistency clearly indicates that the information has * * not been properly verified * * and calls into question the accuracy and completeness of the data being reported. 

Under the * * Fair Credit Reporting Act ( FCRA ) * *, consumers have the right to a credit report that is * * 100 % accurate * *, and credit reporting agencies are required to * * reasonably investigate and verify * * all information before reporting it. Experian has failed to meet this obligation by reporting unverifiable and contradictory information on my credit file. 

Because this account is being reported inaccurately and can not be properly substantiated, I am requesting that Experian * * immediately remove this account from my credit report * * or correct it to reflect accurate and verifiable information in full compliance with the FCRA. 


Thank you for your prompt attention to this issue.

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 2025-12-28 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: W&A Intermediate Co., LLC
State: OK

Complaint narrative:
Wakefield & Associates is reporting a medical debt on my credit report that is not mine.I have never received medical care in the state of Kentucky, which is where they claim the debt originated. I live in Oklahoma and have not visited any doctor in years. 
I disputed this account through the credit bureaus twice, and XXXX continues to verify the debt without providing any proof. They have never provided : * the original providers name * date of service * itemized billing * my signature * any proof they have the correct person This appears to be a case of misidentification or incorrect data reporting. 
I requested validation from XXXX under the FDCPA, and they have not provided any documentation to prove this debt belongs to me. Continuing to report an unvalidated debt is a violation of the FDCPA and FCRA. 
I am requesting that Wakefield & Associates : 1. Provide full validation of this alleged debt OR 2. Remove the account from all credit reporting agencies immediately This inaccurate reporting is harming my credit, and I need this resolved.

Company response to consumer: Closed with non-monetary relief