vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: DISCOVER BANK
State: NY

Complaint narrative:
I am disputing the reporting and collection activity conducted by Discover Bank on an alleged account in my name. Discover Banks actions violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ) as implemented by Regulation F, and the XXXX credit reporting guidelines recognized by the XXXX XXXX XXXX XXXX XXXX XXXX ). 

VIOLATIONS : Failure to Conduct a Reasonable Investigation Under 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ), furnishers must conduct a reasonable investigation after receiving notice of a dispute from a CRA. Discover Bank failed to properly investigate before re-reporting the tradeline and provided no supporting documentation or dispute results. 


Negligent and Willful Furnishing of Inaccurate Information Per 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) - ( D ), a furnisher must review all relevant information and correct or delete inaccuracies. Discover Bank continues to report false information regarding account status, balances, and payment history, which has harmed my credit profile. 


Unlawful Debt Sale / Improper DA XXXX Status Code Use If Discover Bank transferred or sold the account without proper chain-of-title documentation or consumer notification, it violates FCRAs accuracy requirements and constitutes deceptive collection under Reg F 1006.18.

Re-Aging of the Account to Extend Statute of Limitations Altering the Date of First Delinquency or re-aging the account is a violation of 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ) and a deceptive act under Reg F 1006.18 ( b ) ( 2 ). This practice unlawfully extends the reporting period and misleads consumers about the legal enforceability of the debt.

Failure to Provide Proof of Contract or Wet Signature Under Reg F 1006.34 ( c ), collectors and furnishers must provide validation of the debt, including a copy of the original signed agreement. Discover Bank has failed to provide a valid, consumer-signed contract linking me to this alleged debt.

Metro-2 Condition Code Misuse Per 15 U.S.C. 1681s-2 ( a ) ( XXXX ), furnishers must indicate when an account is disputed by using proper XXXX compliance condition codes ( such as XB for an account under investigation ). Discover Bank failed to report the dispute correctly, resulting in misleading credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 opened a new credit hard with XXXX XXXX ( {$300.00} ) nothing crazy I seen the hard inquiry hit my credit in which it went down a few points. About almost two months later the new card started to report I got an alert from Transunion that it dropped my score another XXXX points! Ironically another card from XXXX XXXX finally reported about 4 days later to Transunion that was opened a few weeks before with a credit line of XXXX and guess what it RAISED my score XXXX points! If it was about credit age why would XXXX card lower XXXX points and another raise XXXX points reported days apart. Id also like to add I dont have a ton of credit cards only XXXX! This should be illegal for credit bureaus to do, I dont have a ton of negative items on my report and Id also just cleaned it up. It also seems like each bureau does the complete opposite of the other when its time to raise the score but when its negatively impacted they all report to lower it. Equifax did the same with my accounts but opposite. It seems like every single thing thats getting reported to my credit is reflecting negative instead of positive and this needs to be looked into. They also allowed XXXX XXXX to report my balances THREE times in one statement cycle and I have proof, this while Im using my card dropped my score XXXX yesterday a cross all three. In just three weeks Equifax and Transunion has allowed this new account to drop my score XXXX! At XXXX point XXXX month ago I woke up to an minor remark being added because Id rapped up credit restoration, this little remark dropped my score XXXX points I contacted them right away and demanded they remove this pointless remark their customer service put and fix my score ironically within XXXX hours I received a alert my score was increased back the XXXX points! Now this is proof these credit bureaus are ruing the credit people are working so hard to fix and build. XXXX to think it takes months and years to build these scores and XXXX minor change or remark with cause your score to plummet. These credit bureaus are scams.

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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App wrongfully closed my account without providing a valid explanation, despite my repeated requests for details. I have been a loyal Cash App user for over 6 years and have always used my account strictly for legitimate purposes : sending and receiving funds with friends and family, occasionally receiving payment for small sales ( homemade treats and drinks ), and paying my bills. I am the sole user of my account no one else has access to it. 

Cash App has accused me of violating their terms of service and implied fraudulent activity. This is completely false. Fraudulent activity, by definition, is intentional deception for unlawful gain my account history contains no such activity. I demanded specifics, but Cash App refuses to provide any clear examples, evidence, or documentation to support their claim. They simply repeat vague, canned responses and will not directly address my questions. 

Closing my account without cause has placed a severe financial burden on me. I rely on Cash App as my primary method to pay bills and send my mother rent money. Now, I am forced to withdraw cash from an ATM, pay unnecessary fees, and deposit it into her account manually. This is costing me both time and money. 

I am requesting the following : A specific, detailed explanation of the alleged violation, supported by evidence.

Immediate reinstatement of my account so I can continue to manage my finances. 

Written confirmation that I am permitted to open and use a Cash App account going forward. 

It is unreasonable, unfair, and harmful for Cash App to make unsupported accusations, refuse to provide details, and disrupt my ability to meet essential financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: SC

Complaint narrative:
I need your help to delete unauthorized accounts from my credit report. I did not authorize them and received no notice. In line with USC 1681g, please remove them within 15 days. Documentation is included.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I received an offer for a XXXX card. When I talked with them after I received the card, they needed more information from me to open the account. Once they asked for additional paperwork, and I found out they have a XXXX XXXX yearly service fee, I told them to close the account. Well I notice the account on my report with a balance. I never used or even activated the card. Please update my file. This account was CLOSED and NEVER used!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: SC

Complaint narrative:
I need your help to delete unauthorized accounts from my credit report. I did not authorize them and received no notice. In line with USC 1681g, please remove them within XXXX  days. Documentation is included.

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 2025-08-13 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY

Complaint narrative:
Issue type : Mortgage Escrow account What happened : My mortgage servicer is continuing to collect escrow for flood insurance that is no longer required and has been canceled.

When I purchased my home, FEMAs flood map incorrectly showed my property in a Special Flood Hazard Area ( SFHA ), so I was required to purchase a full year of flood insurance to close on my loan. My mortgage servicer also began collecting monthly escrow for future flood insurance premiums, even though the first years policy was paid in full. 

On XX/XX/year>, FEMA issued a Letter of Map Change removing my property from the XXXX. On XX/XX/year>, my insurance company canceled my flood insurance policy and provided written confirmation. I sent all XXXX documentation to the mortgage company on XX/XX/year>, of which I have confirmation emails of their receipt. They did not request copies of cancellation from the insurance company until I'd already called them several months in a row to resolve this issue. I submitted these documents to them promptly on XX/XX/year> when I was made aware that they required them. 

Despite my repeated phone calls and assurances from their representatives that an escrow analysis would be completed within XXXX business days, it has now been over XXXX months and my escrow account still includes flood insurance. My monthly payment has not been adjusted, and no surplus escrow funds have been refunded or applied to my account.

Under 12 C.F.R. 1024.17 ( k ) ( 5 ), a servicer must promptly perform an escrow analysis and refund any surplus when an escrow item is canceled or no longer required. Four months of delay is not prompt and constitutes an error in mortgage servicing. 

What I want : Immediate removal of flood insurance from my escrow account.

Updated escrow analysis reflecting the change.

Refund or application of surplus escrow funds.

Written confirmation of the correction.

Documents I can provide : FEMA Letter of Map Change Flood insurance cancellation confirmation Copies of my prior communications to the servicer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
The house is under contract to new owner, Ive asked for assistance, I asked for all programs that can help. They harass me daily for payment. Calling my phone. They refused to assist me with fees and harassing phone calls while the house in under contract to new owner. Ive explained everything and they refuse to assist and freeze account. Now they put on my credit report hurting me bad. I am telling my story to media and spreading what a horrible company they are. I was in XXXX XXXX situation and had to leave state for my safety. And they are making things worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, 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 2025-08-13 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-13 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: WA

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 XXXX 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 : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6900.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, 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 2025-08-13 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synovus Bank
State: NC

Complaint narrative:
Requested a XXXX in a copy of the original contract with my signature on it. That was sold to a third party vendor third party XXXX, after numerous letters removed it immediately. 
Original credit is still posted to my credit report. Damaging my required report as a child job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-13 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: OR

Complaint narrative:
Under USC 1681g, I request the removal of these accounts, which are not linked to me, within 15 days.

Company response to consumer: Closed with explanation