vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am filing this complaint because the company is reporting inaccurate and inconsistent information across all three credit bureaus for my account XXXX ( Account # XXXX * * * * * * ) * *. 

The account shows a balance of {$1200.00}, listed as Collection/Charge-off, and reported as closed in XX/XX/year>, yet the last payment is shown as XX/XX/year>, and each bureau lists different Date Reported and Date of Last Activity. 

No documentation or validation has been provided to confirm that this charge-off is accurate or that the balance is legally owed. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These inconsistencies violate that standard.

Furthermore, under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of any disputed item. I have previously disputed this account, but neither XXXX XXXX nor XXXX has supplied verification of the alleged debt or corrected the errors. 

Because the account was canceled by the credit grantor and has not been validated, it should not remain listed as derogatory. The balance is unverified and appears to have been transferred or charged off without proper notice or proof. 

I request that the CFPB require XXXX XXXX XXXX XXXX and all three credit bureaus to : Provide full validation of the alleged debt ( including signed agreement, payment records, and accounting of charges ) ; or Delete the account entirely from my credit reports if no verifiable evidence exists. 

Reporting conflicting data among bureaus is misleading and constitutes non-compliance with the FCRAs accuracy and reinvestigation requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
These accounts are not connected to me and must be deleted within 15 days in line with USC 1681g.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
am writing to report an issue with SoFi regarding two denied disputed transactions on my account following a serious criminal incident. This letter focuses specifically on the two transactions that SoFi denied, each for {$1000.00}, while noting that my account was otherwise compromised. 
On XX/XX/year>, at approximately XXXXXXXX XXXX. Central Time, I was the victim of a kidnapping and theft. During this incident, my phone, car, debit card, XXXX XXXX card, drivers license, and military ID were stolen. The perpetrators had full access to my phone, accounts, and apps, which they used to make 7 unauthorized transactions on my debit card. On my SoFi credit card, one transaction has been resolved, four are still under investigation, and two transactions of {$1000.00} each were denied. 
I provided SoFi with the police report file number ( Report No. XXXX ) from the XXXX Police Department, but SoFi still denied the two disputed transactions, even though I promptly reported the crime and submitted all required information. 
I am requesting the CFPBs assistance to ensure that SoFi conducts a full and fair investigation of the two denied transactions and complies with federal consumer protection laws, including the Electronic Fund Transfer Act ( Regulation E ). 
TIME LINE OF EVENTS Police report number : XXXX Filed with XXXX Police Department, XXXX XXXX, XXXX, Illinois Timeline & Details of Fraudulent Activity : 1. Abduction & Theft Date/Time : XX/XX/year>, approx. XXXXXXXX XXXX  CST Location : XXXX, Illinois Details : Unauthorized individuals abducted me and stole : phone, debit card, XXXX XXXX card, drivers license, and military ID. They gained access to my phone apps and email. 

2. Unauthorized Transfers Date : XX/XX/year> Details : Immediately following the theft, unauthorized individuals transferred a total of {$10000.00} from my savings to checking in two separate {$5000.00} transfers, just before fraudulent debit card transactions. This activity is extremely unusual for my account. 

3. Debit Card Fraud Date : XX/XX/year> Details : Unauthorized debit card transactions appeared as pending. 

4. Reporting & Dispute Filing Initial Report to SoFi : XX/XX/year> ( while transactions were pending ) Formal Dispute Filed : XXXX after charges posted Police Report File Number Provided to SoFi : XX/XX/year> 5. Dispute Status # XXXX : Solved, permanent credit issued for first unauthorized transaction # XXXX : Four cases pending permanent credit # XXXX : Two cases pending permanent credit 6. Ongoing Security Concerns XX/XX/year>, approx. XXXXXXXX XXXX CST : Received email alert of attempted unauthorized account access XX/XX/year> : Emailed investigators regarding another unauthorized access attempt Account Status : Restricted since XX/XX/year>, preventing movement of funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App suddenly restricted and then closed my account without prior notice, a clear explanation, or a meaningful opportunity to resolve or dispute the action. I received only a generic statement that my account violated the Cash App Terms of Service, but no specific policy, section, or factual basis was provided. 
My Cash App account was under the name [ Your Full Name ], associated with [ Phone Number ] and [ Email ]. Prior to the closure, I had no unresolved support issues, compliance flags, or prior warnings from the company.

I contacted Cash App Support and requested : ( 1 ) the specific policy or term allegedly violated ; ( 2 ) any supporting documentation or findings; and ( 3 ) a fair review of the closure. I received only scripted responses stating that the decision was final. No explanation, evidence, or due-process opportunity to understand, correct, or dispute the allegation was provided.

Cash Apps refusal to provide the specific basis for the account termination raises concerns under Unfair or Deceptive Acts or Practices ( UDAP ) principles, as it denies the consumer transparency and the ability to remedy or challenge the allegation. Financial services providers are expected to act fairly, provide clear reasoning for adverse actions, and maintain transparent business practices. Abrupt account closures without specific justification can create substantial consumer harm and may conflict with standards the CFPB has outlined in prior supervisory guidance and enforcement actions involving digital payment platforms.

Additionally, while this matter does not involve disputed transactions, the lack of clear notice and the inability to obtain information related to the account decision conflicts with the spirit of consumer transparency reflected in Regulation E and fair-treatment expectations for financial service providers.

I am requesting the CFPBs assistance to require Cash App to : Provide a clear, specific, and detailed written explanation citing the exact policy and facts relied upon for the account closure ; Provide supporting documentation or evidence used to reach the decision ; and Reopen and restore my account if no valid, lawful, or substantiated reason exists for the termination.

I am seeking a transparent, fair review consistent with consumer-protection standards and responsible compliance practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a new XXXX XXXX XXXX card on approximately XX/XX/XXXX. I made purchases including XXXX XXXX XXXX flights. I immediately paid for the charges I had made. 
Soon after that time I received a call from Citi requesting to know if I had made any charges on XXXX. My card was then declined for an XXXX purchase I had tried to make. I did not know I had used the new card in my XXXX XXXX  for that charge and so I said no. 
I called back on three separate occasions and was given various timetables from 1 hour to several days for Citi to correct the error. Citi never did reopen the card. 
I spent enough monies to receive my XXXX XXXX XXXX points I was promised. I would like the account reopened and my eligibility for XXXX points secured. 
I spent over 50 minutes on the phone attempting to resolve this issue and could not.

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 2025-11-06 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: FL

Complaint narrative:
I am filing this complaint because the company continues to report inaccurate and outdated information on my credit reports with TransUnion, Experian, and Equifax. 

The account XXXXXXXX XXXX XXXXXXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was paid in full and closed with a {$0.00} balance on XX/XX/2023, as shown on my credit report. However, the credit bureaus continue to report late payments ( XXXX, XXXX, and XXXX  days ) even though the account is paid and closed in good standing. 

This is inaccurate and misleading because under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure maximum possible accuracy of information. Continuing to report late payments after the account was paid in full violates this provision.

Additionally, under 15 U.S.C. 1681i ( a ), I have the right to a reinvestigation when information is disputed. I have already disputed these late payments, yet no correction or verification documentation was provided by the furnisher or the credit bureaus. 

The account clearly shows Paid/ Settled for less than full balance, {$0.00} owed, and closed status, which means no future delinquencies should be reflected. Reporting it as derogatory is damaging and unlawful. 

I request that the CFPB require XXXX XXXX  XXXX and all credit bureaus to : Remove the XXXX late payment notations ; Correct the account to show Paid as Agreed, Never Late ( PAANL ) ; or Delete the account entirely if it can not be verified or corrected under FCRA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not connected to these accounts ; they must be deleted within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Freedom Mortgage failed to notify us of a material change to our cash-to-close until less than XXXX hours before our scheduled closing on Thursday, XX/XX/XXXX at XXXX ET. The final Closing XXXX was delivered by Freedom Mortgage for review on XXXX at XXXX ET showing nearly {$3000.00} in additional cash due. 

This change was only communicated to us when we called Freedom Mortgages about a separate matter on XXXX ; despite the disclosure being finalized on XX/XX/year>, we were never made aware of this change until XXXX. 

This change was not proactively communicated by the lender and appears inconsistent with TRIDs 3-day disclosure requirement. We requested a goodwill credit, which was denied.

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 2025-11-06 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:
There is an inaccurate late payment reporting on my credit report i never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report and request that they be reviewed for accuracy. If any of the items can not be verified, I request that they be removed in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX XXXX, Account # XXXX, Date Opened : XXXX, Balance : {$27000.00} XXXX XXXX, Account # XXXX, Date Opened : XXXX, Balance : {$2100.00} XXXX, Account # XXXX, Date Opened : XXXX, Balance : {$260.00} XXXX XXXX XXXX, Account # XXXX, Date Opened : XXXX, Balance : {$150.00} Inquiries : XXXX, Date : XXXX XXXX XXXX, Date : XXXX XXXX XXXX, Date : XXXX Late Payments : XXXX XXXX XXXX, Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a XXXX wire. They restricted the account and requested the sender 's name and phone number. I provided the information not realizing the telephone number was wrong. They called and reached out to me for the correct number which I provided. the correct phone number but they didn't call the sender. They called her bank that verified the funds were legitimate. They said they can't provide a timeframe of when the review will be finished nor the reason they are reviewing. I keep calling and they always say check back in 2 to 3 business days. One rep claimed the review should be finished on XX/XX/XXXX. I called. It's still restricted and still reviewing. I requested for then to close the account because its been going on for over 2 months. They stated they can't close until the restriction is lifted. I just want my funds mailed to me in a check

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 2025-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX are reporting an inaccurate and unverifiable account under the name CAPITAL ONE XXXX, Date Opened XX/XX/year>, with a High Balance of {$460.00}, listed as a Charge-Off. I have no knowledge of this account and have never opened, authorized, or maintained any financial relationship with Capital One. This account is being falsely reported under my credit profile and is completely unverifiable. 

This false entry is severely damaging my credit reputation and violates my consumer rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ( a ) ), which require credit reporting agencies to ensure maximum possible accuracy and promptly delete any unverifiable or inaccurate information. Despite my prior dispute request, this account continues to appear on my credit report without any documentation or proof from Capital One verifying its validity. 

The continued reporting of this false and unverifiable account has caused significant harm to my credit standing, created unnecessary stress, and limited my access to fair financial opportunities. Such reporting practices demonstrate negligence and a lack of compliance with federal consumer protection laws designed to ensure the accuracy and integrity of consumer credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I reported incorrect and fraudulent information to Equifax and told them to remove. The only thing that should be on my credit report is a public bankruptcy from XXXX and one inquiry from XXXX XXXX in 2025. 

I have dealt with a decade of identity theft and financial loss due to Equifax and even filed a Claim against the company. They do nothing more than try to sell you product.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Im trying to buy a house and I notice I have collections and charge off on my account that I have no knowledge of on 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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
My Cash App account was closed approximately three years ago without clear explanation. I was later contacted by Cash App Support on XX/XX/year>, stating that I violated the Terms of Service, that I was not eligible to appeal, and that there were no further details to provide. 

Since the original closure, Cash App has never provided any written reason, investigation results, or proof of a violation. I was never given an opportunity to appeal or resolve the issue, and I have had no way to verify whether funds, bitcoin, or stock balances were properly released. 

This conduct is consistent with the CFPBs XX/XX/year> consent order against Block Inc. ( Cash App ) for unfair and deceptive practices involving account closures and failure to provide adequate consumer explanations. 

I request that the CFPB investigate Cash Apps handling of my account, require them to provide a full written explanation for the closure, confirm that all funds were released, and determine whether the closure was wrongful or retaliatory. I have attached the official closure email and supporting evidence.

Company response to consumer: Closed with explanation