vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage has been reporting false and damaging information on our mortgage account. In the beginning of XX/XX/year>, we requested forbearance multiple times via phone calls with Freedom Mortgage, while in the process of selling our home. They delayed sending us the forms for over a XXXX  after our request. When we finally received the forbearing application forms, we submitted all required documentation by email, fax, and postal mail. Freedom Mortgage never acknowledged or processed our request despite repeated follow-ups. 

As a result of their inaction, they reported XXXX and XXXX delinquencies in XXXX and XX/XX/year>, even though we acted responsibly and sold the property to satisfy the loan in full. The mortgage was paid off on XX/XX/year>, as documented in the Sellers Final Settlement Statement and in the payoff confirmation downloaded from Freedom Mortgages own online account portal. 

To correct this, we submitted disputes to all three major credit bureaus- XXXX XXXX XXXX XXXX  and uploaded the documentation proving the mortgage was paid in full. However, each bureau simply accepted Freedom Mortgages incorrect response, which falsely claimed we remain delinquent and still owe over {$350000.00}, despite the closing documents showing the loan was satisfied in full. As a result, the false late payments and false outstanding balance remain on all XXXX  credit reports. 

Our credit scores have collapsed from the XXXX into the low XXXX because of this uncorrected misinformation, and we are now entering our XXXX  week without stable housing. This is a direct consequence of Freedom Mortgages failure to update or verify accurate information as required under the Fair Credit Reporting Act. 

We request immediate investigation and correction of all credit bureau data to reflect the account as Paid in Full - {$0.00} balance - Never Late, and removal of all delinquency notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint because Experian XXXX XXXX XXXX  are continuing to report multiple inaccurate accounts on my credit reports despite a previous dispute. These accounts contain conflicting dates balances and status codes which violate FCRA 1681e b and 1681i. Several accounts were previously disputed but no corrections were made. This is a reinvestigation failure. 

Collectors such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have not validated the debts as required under 1692g but are still reporting. Metro2 fields including DOFD XXXX  payment rating and compliance condition codes are incorrect or missing. These accounts include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account was on legal hold. I spoke to XXXX XXXX XXXX XXXX that they sent Capital One bank the release document for my account. I also asked lawyer to email me this document just incase the bank tried to deny. My account is still not released & they are issuing another check for a different amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are profoundly negative, and I insist they be addressed immediately during these challenging times. Correcting or removing them would provide significant relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
Someone filed a cell phone claim to assurant in my namewhich is was fraud .. they wrote a check in my name with a chase account .. now trs sent me a bill like I bounce the check.. I do not have a chase account .. the check was XXXX written on XX/XX/year> for {$260.00} .. a month before that XXXX XXXX called me about fraudulent activity on XXXX XXXX XXXX I do not have a XXXX XXXX account either .. Im a victim of fraud my information has been compromised .. Ive also had tax returns filed in my name as well .. they have my name address .. social security number and my drivers license too.. please help..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: NJ

Complaint narrative:
On thursday, XX/XX/XXXX almost XXXX transaction were charged towards my cash app card without my approval or me knowing. I was out somewhere and someone must have stolen my card out of my bag, unbeknownst to me. Cashapp rejected most of the transactions except two that were used by someone who physically held the card for almost {$200.00}. When i reported the issue through the cash app app, they enabled me to cancel the card and order a new one as well as filing a dispute. Yet they have still denied my dispute and the appeal ive filed on top of it. Multiple disputes in the next 12 hours from that night occurred randomly and didnt go through so its clear that cash app knew my card was violated. I dont see why they wont return the immense bulk of the money to me.Ive been a member of cash app for years and a benefit holder. I dont understand how they can see my issue and force me to cancel the card yet not refund the money stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate, incomplete, and improperly verified information furnished by XXXX and reported by Experian, XXXX, and XXXX. All three bureaus failed to conduct a lawful reinvestigation under FCRA 1681i, and XXXX failed to meet its duties under FCRA 623 ( a ). 

Despite multiple disputes, the XXXX XXXX continues to display : An incorrect Date of First Delinquency ( DOFD ) False or fabricated late payment history ND/No Data entries that contradict historical account data Inconsistent reporting across all three bureaus An incorrect charge-off date Improperly aged delinquencies Incorrect major delinquency dates Historical account information that contradicts the payment grid Re-aged data, which is prohibited under FCRA 1681c ( a ) ( 5 ) and 1681s-2 ( a ) ( 2 ) XXXX  modified several fields that Experian and XXXX  did not modify, proving the reinvestigation was not conducted uniformly, reasonably, or based on the same documentation. 

The results letters show that the bureaus updated only metadata fields rather than conducting a lawful reinvestigation. No supporting documentation from XXXX was ever provided, and no verification evidence exists to support the reporting. 

XXXX has continued to furnish contradictory, unverifiable, and incomplete information, which makes the tradeline legally unverifiable under FCRA 623 ( a ), 1681s-2 ( b ), and 1681i ( a ) ( 5 ). 
Because the information can not be verified accurately or consistently, the entire XXXX tradeline must be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). 

I am requesting a full investigation and deletion of the tradeline across all three credit bureaus due to improper reporting, reinvestigation failures, and statutory noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate, incomplete, and improperly verified information furnished by XXXX and reported by XXXX, XXXX, and TransUnion. All three bureaus failed to conduct a lawful reinvestigation under FCRA 1681i, and Discover failed to meet its duties under FCRA 623 ( a ). 

Despite multiple disputes, the XXXX XXXX continues to display : An incorrect Date of First Delinquency ( DOFD ) False or fabricated late payment history ND/No Data entries that contradict historical account data Inconsistent reporting across all three bureaus An incorrect charge-off date Improperly aged delinquencies Incorrect major delinquency dates Historical account information that contradicts the payment grid Re-aged data, which is prohibited under FCRA 1681c ( a ) ( 5 ) and 1681s-2 ( a ) ( 2 ) XXXX  modified several fields that XXXX  and TransUnion did not modify, proving the reinvestigation was not conducted uniformly, reasonably, or based on the same documentation. 

The results letters show that the bureaus updated only metadata fields rather than conducting a lawful reinvestigation. No supporting documentation from XXXX was ever provided, and no verification evidence exists to support the reporting. 

XXXX has continued to furnish contradictory, unverifiable, and incomplete information, which makes the tradeline legally unverifiable under FCRA 623 ( a ), 1681s-2 ( b ), and 1681i ( a ) ( 5 ). 
Because the information can not be verified accurately or consistently, the entire XXXX tradeline must be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). 

I am requesting a full investigation and deletion of the tradeline across all three credit bureaus due to improper reporting, reinvestigation failures, and statutory noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I am disputing an alleged XXXX  account that Source Receivables is attempting to collect. I have never activated, used, or opened any XXXX  line associated with this suspected account. There is no usage, no billing history, no contract, and no proof of service. I have requested that Source Receivables provide a full debt validation, yet they have not done so and continue to report this debt, which violates FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
XXXX XXXX  has confirmed that the incorrect 180 day lates on XX/XX/year>/ XX/XX/year>/ XX/XX/year>/ XX/XX/year> is incorrect. The forbearance has been extended in XXXX and XXXX. The 3 prior months, XXXX. were not to be reflected as late, this was an error on XXXX XXXX  reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
This account was wrote off as a paid loan. I never received my tax paperwork for this loan. No communication from the company I feel as though my rights have been violated under section 15 USC 1692 states that they need verification of account with original signature of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
Square ( Block, Inc. ) froze my business account without any notice, reason, or explanation. I only discovered the freeze when customers at my business tried to pay and their cards were declined. I received no email, no dashboard alert, and no communication from Square at all.

I operate a legitimate massage business with normal, low-risk transactions. I have no refunds, no chargebacks, no disputes, and no policy violations. Square has now frozen {$5200.00} of my money for 3 days, and I need these funds to pay my commercial rent in 7 days. Their failure to notify me caused customers to walk out, costing me income. 

Squares actions have created financial harm to my business and violated their own policies regarding notification. I am requesting immediate release of my funds or a clear explanation of why they are being held. 
XXXX is my square account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 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 2025-11-25 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is intended as my formal objection to the accounts referenced. I did not approve or open them and have no connection. Please review and remove them. Supporting documents are included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
This complaint concerns a fraudulent collection account being reported by TRANSWORLD SYSTEMS under account ending XXXX. I am a documented victim of identity theft and filed FTC Identity Theft Report No. XXXX, which details multiple fraudulent accounts, false addresses, and unauthorized inquiries in my name. 

TRANSWORLD SYSTEMS is reporting a debt that stems from criminal misuse of my identity. The account does not belong to me, and any reporting or collection activity violates : FCRA 605B ( identity theft blocking requirement ) FCRA 611 ( failure to reinvestigate accurately ) FCRA 623 ( furnishing known inaccurate information ) FDCPA 1692e, 1692f ( misrepresentation & unfair collection ) Their continued reporting harms my credit standing, causes hardship, and ignores the identity-theft documents already provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: NJ

Complaint narrative:
The Collection company XXXX XXXX XXXX have been trying to collect a debt they said I own since XXXX  the debt is a medical bill amount {$2200.00} I had medical insurance at the time of this bill I spoke with the medical insurance company they told me my bill was paid in full after I received a call from XXXX I spoke with them asking for validation of the alleged debt I was told that I could pay a lump some or get put on a payment plan I refused I even was told that they dates didn't match I asked for validation 3 times and never received anything through email or mail I went through XXXX XXXX  still no help I would like them to validate this debt I honestly feel I don't own no debt I am requesting and completes validation of this alleged obligation within the law FDCPA SS1692 C & 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I regularly review my credit report because maintaining an accurate credit profile is extremely important to me. However, I keep seeing inaccurate and false information that has remained uncorrected despite my repeated attempts to address it. This recurring issue has become incredibly stressful and exhausting, and it continues to affect both my life and my credit score in an unfair and damaging way.

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