vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
Subject : Inability to Verify Identity and Access Account Funds Details : I am submitting this complaint regarding an ongoing issue with my Cash App account. Despite following every instruction from Cash App Support, I have been unable to verify my identity and regain access to my account and funds.

Cash App Support has reset my account multiple times and instructed me to repeat the verification process. I have carefully completed every step using accurate personal information and valid government-issued identification. However, the app continues to display an error message stating that my identity can not be verified.

I have communicated this issue repeatedly through in-app support, but my case has not been resolved. Ive requested escalation to the Account Review or Compliance Team several times, but I have not received a clear response or timeline for resolution.

This issue has prevented me from accessing my own funds for an extended period of time, causing significant inconvenience and frustration. I am requesting immediate assistance from Cash Apps higher-level support or compliance department to manually review and verify my identity so my account can be restored.

Requested Resolution : 1. Manual review of my account and verification documents.

2. Immediate restoration of access to my account and funds.

3. Written confirmation that my identity has been verified successfully.

Thank you for your attention to this matter. I am willing to provide any additional documentation needed to verify my identity and resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I am submitting this complaint because Equifax is inaccurately reporting a late payment on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, even though the account was fully paid and current at the time. The reported Past Due Amount : {$0.00} is misleading and falsely implies that a delinquency occurred.

Despite disputing this item directly with Equifax, I received a generic verified as accurate response without any documentation from the creditor confirming that a late payment took place. Under 15 U.S. Code 1666 ( b ) and 1681n, credit reporting agencies and furnishers are required to report only accurate, verified information and to conduct proper reinvestigations when errors are reported. Continuing to maintain unverified late payment data violates these legal obligations and harms my creditworthiness.

The inaccurate reporting has negatively impacted my credit profile, creating an unjust impression of financial irresponsibility and causing unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account was randomly closed and restricted due to an internal review. When I contacted the bank they refused to tell me why my account was closed. I have never did any fraud on my account and my direct deposit goes to that account. They took my money and I would like to file a dispute and compliant against CAPITAL ONE BANK for you to force them to release my money and expedite it. THIS BANK NEED TO BE SUED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXXXXXX XXXX XXXX XXXX XXXX, Account Name : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX, Account Name : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing to formally demand that TD Bank XXXX/Target XXXX  immediately cease and desist from engaging in the following actions related to my account : [ describe the specific issue, e.g., repeated collection calls after written dispute, reporting inaccurate information to credit bureaus, unauthorized charges, etc. ]. 

Your actions constitute a violation of my rights under applicable XXXX  and XXXX laws, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ). 

I hereby request that you : Immediately stop all direct or XXXXXXXXXXXX  contact with me except as permitted by law ; Cease reporting or correct any inaccurate information you have furnished to credit reporting agencies ; and Provide written confirmation within XXXX  days of receipt of this letter that you have complied with these requests. 

Failure to comply will leave me no choice but to consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office, and to pursue all legal remedies available to me. 

This letter is written without waiver of any of my rights or remedies under XXXX  or XXXX  law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a house in XXXX, FL, XXXX years ago. My taxes and homeowners insurance are escrowed. The house was XXXX by the previous owners, so the taxes were locked in place based on the value of the home in XXXX. I was never informed about this when I purchased the house. 

When there is a change from XXXX homeowner to a different homeowner, the bank should notice the taxes are XXXX and adjust this difference BEFORE the closing of a property. However, it has taken Fifth Third Bank XXXX years to notice their oversight. And only XXXX weeks ago, I received a letter from them stating I owe them almost {$5000.00}. And my mortgage will suddenly increase {$450.00} as of XX/XX/XXXX. 

I have not received adequate notice of Fifth Thirds disorganized/flawed nature of this problem. I certainly dont have an extra {$450.00} a month to pay the mortgage. I am asking for a loan modification. I am asking the bank to decrease the extra {$450.00} per month and have it spread out over a longer period of time. 

However, after several attempts to contact Fifth Third Bank, no one has returned my call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as it was created and reported without my consent. Enclosed are the documents supporting my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
Subject : Formal Dispute of Fraudulent Accounts Due to Identity Theft Under FCRA and XXXX To Whom It May Concern, I am writing to formally dispute the inclusion of fraudulent accounts on my credit report maintained by Experian. These accounts are the result of identity theft and do not belong to me. Despite my previous attempts to resolve this matter, Experian has refused to remove these accounts, which is a violation of my rights under federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the blocking of information resulting from identity theft. I have submitted a valid identity theft report, as defined under 15 U.S.C. 1681a ( q ), along with proper identification and documentation. According to the FCRA, Experian and Equifax are required to block the fraudulent information from my credit report within XXXX  business days of receiving such documentation.

Furthermore, the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) of XXXX, which amended the FCRA, reinforces these protections and obligates credit reporting agencies to take immediate action upon receiving notice of identity theft.

Your continued reporting of these fraudulent accounts is causing me significant harm, including damage to my creditworthiness and emotional distress. I demand that Experian : Immediately block and remove all accounts and inquiries resulting from identity theft.

Provide written confirmation that these items have been removed.

Refrain from re-inserting any of the disputed information unless all conditions under 15 U.S.C. 1681c-2 ( d ) are met, including notifying me in writing.

If Experian and Equifax fail to comply with these legal obligations, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to pursue legal remedies under 15 U.S.C. 1681n and 1681o, which provide for actual damages, statutory damages, and attorneys fees for willful or negligent noncompliance. 

Fraudulent Accounts Reporting On MY Credit Reports : XXXX. XXXX XXXX XXXX ACCOUNT NUMBER ENDING : XXXX OPEN : XX/XX/XXXX XXXX. XXXX XXXX XXXX  ACCOUNT NUMBER ENDING : XXXX OPEN : XX/XX/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 2025-11-05 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:
Complaint Summary I am submitting this complaint because multiple consumer reporting agencies and specialty credit bureaus are reporting inaccurate, unverifiable, and identity-theftrelated data that has damaged my personal and business creditworthiness. Despite multiple disputes and verification demands, the bureaus have failed to properly investigate, delete, or block the fraudulent information as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 605B, 607 ( b ), 609 ( a ), 611, and related provisions.

I am requesting the CFPBs assistance to ensure compliance and enforcement. 

Parties Involved The following consumer reporting agencies and data furnishers are impacted : XXXXXXXX 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  ( managed by Equifax ) Background / Timeline On XX/XX/year>, I discovered multiple credit and specialty-bureau files containing false or inconsistent data tied to accounts I did not open. 

I filed a verified FTC Identity Theft Report ( XXXX XXXX. XXXX ) and submitted formal FCRA disputes and reinvestigation requests to all affected bureaus. 

I also provided proof of identity, address verification, and highlighted report pages showing the discrepancies. 

Despite this, certain agencies either failed to respond within the XXXX statutory period or returned form letters claiming verified results without providing a lawful XXXXXXXX XXXX XXXXXXXX ( XXXX  ). 

As a result, the same inaccurate tradelines, inquiries, and mixed-file identifiers remain, causing repeated denials for banking, lending, and business-credit products. 

Violations Claimed 605B Failure to block identity-theft-related information after receiving an FTC ID-theft affidavit.

607 ( b ) Failure to maintain maximum possible accuracy of consumer data.

611 ( a ) Failure to conduct a reasonable reinvestigation and provide the furnisher/member-code documentation used to verify disputed items.

609 ( a ) Failure to disclose complete file data and furnish clear information about the sources of the data. 

611 ( a ) ( 5 ) ( B ) Improper reinsertion of deleted items without required XXXX written notice and furnisher certification. 

Specific Examples of Harm Tradelines such as XXXX, XXXX  & XXXX XXXX, XXXX, XXXX, and XXXX  XXXX show XXXX balances, limits, and statuses across bureaus. 

Banking databases ( XXXX, XXXX, XXXX ) list unverifiable or fraudulent closures that prevent me from opening legitimate checking accounts. 

XXXX and XXXX files contain outdated or mismatched identifiers that are producing false risk signals for lenders. 

Several inquiries were made without my authorization, violating 604 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
This complaint involves serious, ongoing violations of federal and state consumer protection laws by my mortgage servicers, stemming from the deceptive placement of a Partial Claim and the subsequent origination of a predatory loan modification that has created an inescapable debt trap. 

A previous servicer, XXXX, placed a {$53000.00} Partial Claim on my XXXXinsured mortgage. A company representative explicitly stated this action was taken because I " did not qualify for the original loan from XXXX XXXX  XXXX. '' This admission proves a clear violation of U.S. Department of Housing and Urban Development ( HUD ) guidelines, which mandate that a borrower must be a qualified borrower, able to resume making full payments and repay the total indebtedness, to be eligible for a Partial Claim. The misuse of this federal loss-mitigation tool on a known unqualified borrower is a deceptive and unfair act. 

My current servicers, Lakeview Loan Servicing and XXXX XXXX, are now enforcing this illegally obtained debt. 

While enforcing the above invalid debt, Lakeview Loan Servicing XXXX via XXXX XXXX ) offered a " solution '' that worsened my situation. They capitalized arrears and over ~ {$1200.00} in unexplained fees into a new {$150000.00} loan with a XXXX term, requiring a ~ {$1200.00} monthly payment. The total cost of this loan will be ~ {$700000.00}. 

This loan is unconscionable under Pennsylvania XXXX  law and constitutes a predatory practice. Its extreme term and cost are inherently unfair and abusive, designed to create a permanent state of indebtedness. When combined with the illegal Partial Claim, which blocks any escape via sale or refinance, it forms an illegal debt trap. The failure to justify the additional ~ {$1200.00} fee is a deceptive practice. 

The actions described above potentially violate the following laws : Consumer Financial Protection Act ( CFPA ) : Prohibiting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ). The entire schemefrom the invalid Partial Claim to the predatory modification with hidden feesconstitutes deceptive and abusive practices. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Potential failure to provide clear and accurate disclosures for the XXXX modification, hiding the true cost of credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Violations of servicing rules, including failure to provide a proper accounting for the ~ {$1200.00} fee and to offer sustainable loss mitigation. 

Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) : Prohibiting deceptive conduct that creates a likelihood of confusion. The servicers ' actions are a textbook example.

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 2025-11-05 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: TX

Complaint narrative:
A charged-off account that had previously been deleted from my credit report has been reinserted without proper notice or verification. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to notify me within XXXX business days after reinserting any previously deleted information. I did not receive any such notice. This reinsertion has negatively affected my credit score and caused confusion regarding the status and validity of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX  XX/XX/year> I recently spoke with customer service, and they advised me to contact the XXXX XXXX directly regarding a late payment that appears on my account report. 

The report indicates that my account was past due ; however, I never received any statement or notification regarding a missed or late payment. I have consistently made my payments on time, as reflected in my previous statements. I only became aware of this late fee and negative report when I began the process of refinancing my home. 

Given my history of timely payments and the lack of prior notice about any past-due amount, I kindly request that you review my account and consider removing the late payment and any related negative reporting from my credit record. 

Thank you very much for your time and understanding. I appreciate your assistance in resolving this matter.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citi XXXX  XX/XX/year> I recently spoke with customer service, and they advised me to contact the XXXX XXXX directly regarding a late payment that appears on my account report. 

The report indicates that my account was past due ; however, I never received any statement or notification regarding a missed or late payment. I have consistently made my payments on time, as reflected in my previous statements. I only became aware of this late fee and negative report when I began the process of refinancing my home. 

Given my history of timely payments and the lack of prior notice about any past-due amount, I kindly request that you review my account and consider removing the late payment and any related negative reporting from my credit record. 

Thank you very much for your time and understanding. I appreciate your assistance in resolving this matter.

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