vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: A-1 Premium Acceptance, Inc.
State: WI

Complaint narrative:
I have filed multiple complaints about king of cash not giving me my refund of money that was taken from my account after a loan was never funded this has been going on since XXXX of 2025 they responded to my last complaint that a refund was submitted XX/XX/XXXX I never received that refund I tried to call on the phone no one can ever transfer me to the finance department to figure out where my refund is and I have been getting the run around since XXXX of this year it's seems to me making a a complaint to you all does nothing because they sit here and they lie and you all go for it with no recourse or reaction this doesn't make any sense I have sent emails and made phone calls problem still not resolved

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I made a payment of {$25.00} through my XXXX bill pay to my Dell credit account on XX/XX/year>. The payment was never applied to my Dell account. I have called Dell multiple times about this payment, and they have made no effort to assist me. They asked me to provide proof, which I did, and they continue to send me generic letters stating that they did not find the payment and for me to send proof. I show that the funds were withdrawn and sent to Dell so I don't understand why they can't or are unwilling to locate and apply the payment. I sent Dell my transaction summary, since they don't accept bank statements, and they still won't apply payment to my account. They told me that maybe my account number changed during their transition, but I checked my Dell bill statement, and it shows the same last XXXX numbers that I have set up through my XXXX bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a verified victim of identity theft. I am submitting this complaint pursuant to the Fair Credit Reporting Act Section 605B. 

I filed an Identity Theft Report with the Federal Trade Commission. My FTC identity theft report number is XXXX. 

Multiple accounts appearing on my consumer credit reports were opened without my knowledge or consent using my personal identifying information. I did not open authorize apply for use or benefit from the following accounts. 

Fraudulent accounts include XXXX XXXX XXXX XXXX account original creditor XXXX XXXX XXXX student loan account XXXX. XXXX XXXX student loan account XXXX. XXXX XXXX XXXX XXXX charged off account. 

All balances delinquency charge off collection activity and any hard inquiries associated with these accounts are the direct result of identity theft. 

Under the Fair Credit Reporting Act Section 605B consumer reporting agencies are required to block and delete information resulting from identity theft within XXXX business days of receipt of a valid identity theft report. This requirement is mandatory and does not require reinvestigation. 

I am requesting immediate blocking and deletion of all listed accounts and any associated adverse information from my consumer credit reports with TransUnion Experian and Equifax. 

I am also requesting written confirmation that all identity theft related information has been blocked and removed in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been going through this for some time now and at thos point me and a few colleagues will be filling a lawsuit fit improper use of information failure to investigate not showing proof of investigation 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to my credit standing and credit score. I previously contacted your agency, and a representative assured me that these unauthorized inquiries would be removed. However, this promise has not been fulfilledthese inquiries remain on my report. This failure to act is unacceptable. The ongoing presence of these potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved issue continues to inflict significant emotional and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX third I went into XXXX XXXX 's website, clicked auto-pay, hit submitit said request received. Made a same-day manual payment too, amount right there on screen. Thought I was golden. Fast-forward XXXX daysno debits, no emails, suddenly it's delinquent and my credit 's wrecked. Only when I started calling did I uncover their buried alert from the twenty-sixthsaid, if you tried anything on the third and it's missing, call us. I never saw that message. Not in spam, not anywhere. Id say thats pretty squarely on them. I tried speaking to them XXXX on XX/XX/year> and the first XXXX but helpful but the XXXX lady couldnt wait to get off the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
RUSHMORE IS ENGAGING IN EQUITY THEFT AND IMPROPER FUNDING OF FORECLOSURE LOANS!!! Please see OUR ATTACHED COUNTERCLAIM filed in XXXX XXXX. We have been fighting this on our own without an attorney and we need immediate assistance. Numerous states have sued Rushmore servicing for the same things we are alleging in our counterclaim and they have paid out millions to keep those violations hidden. They were using bait-and-switch tactics on some phone calls. And we were rushed into bad deals at other times. We have a hearing on XX/XX/year>, that is supposed to address their " XXXX XXXX XXXX '' as they are trying to have our counterclaim dismissed. 

Their bad dealings lured us into a predatory mortgage. The terms change enough to disrupt good payment histories, then increase the payments and interest rate each time a repayment plan is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Starmark Financial LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
I am submitting this follow-up complaint to address the continued inaccurate reporting by Equifax, Experian, and TransUnion regarding XXXX accounts that remain unresolved despite my prior dispute and submission of supporting documentation. The first account, XXXX XXXX XXXXXXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX  is inaccurately reported with a balance of {$0.00}, a start date of XX/XX/XXXX, and a last activity date of XX/XX/XXXX, along with XXXX and XXXX past due notations that do not reflect my timely and satisfactory payment history. The second account, XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX is incorrectly reported with a balance of {$610.00} and multiple late payment notations, including XXXX instances of XXXX  days past due, XXXX instance of XXXX  days past due, and XXXX instance of XXXX days past due, all of which are inconsistent with my records. I previously provided documentation to both the consumer reporting agencies and the furnishers verifying the accurate payment history for these accounts ; however, the inaccuracies remain. I am requesting that the CFPB ensure the credit reporting agencies and furnishers comply fully with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including their obligations to conduct a reasonable reinvestigation, verify the accuracy of the information reported, and promptly correct or delete any inaccurate or unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
I am submitting this follow-up complaint to address the continued inaccurate reporting by Equifax, Experian, and TransUnion regarding XXXX accounts that remain unresolved despite my prior dispute and submission of supporting documentation. The first account, XXXX XXXX XXXXXXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX  is inaccurately reported with a balance of {$0.00}, a start date of XX/XX/XXXX, and a last activity date of XX/XX/XXXX, along with XXXX and XXXX past due notations that do not reflect my timely and satisfactory payment history. The second account, XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX is incorrectly reported with a balance of {$610.00} and multiple late payment notations, including XXXX instances of XXXX  days past due, XXXX instance of XXXX  days past due, and XXXX instance of XXXX days past due, all of which are inconsistent with my records. I previously provided documentation to both the consumer reporting agencies and the furnishers verifying the accurate payment history for these accounts ; however, the inaccuracies remain. I am requesting that the CFPB ensure the credit reporting agencies and furnishers comply fully with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including their obligations to conduct a reasonable reinvestigation, verify the accuracy of the information reported, and promptly correct or delete any inaccurate or unverifiable data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
TRANSWORLD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint regarding unauthorized account access and unauthorized transfers from my Cash App account following a SIM-swap / eSIM compromise. 

My mobile phone number was taken over without my authorization through a SIM-swap/eSIM attack. This allowed a third party to gain access to my Cash App account and initiate unauthorized transfers from my Cash App balance. 

The funds taken were not linked to any bank account or credit card. The money was already in my Cash App balance at the time of the unauthorized access. 

I did not authorize these transactions. I became aware of the issue when I lost control of my phone service and subsequently had to go in person to my mobile carrier ( XXXX XXXX ) to restore my number and secure my account. The XXXX confirmed the XXXX issue and corrected it. 

I reported the unauthorized activity to Cash App immediately and filed both a police report and an FBI IC3 complaint. Despite this, Cash App has not adequately investigated the unauthorized account takeover and has either denied or failed to resolve my claim. 

This situation is not a peer-to-peer scam or user-authorized payment. It is a documented account takeover resulting from telecom fraud. I am requesting a full investigation and reimbursement for the unauthorized transfers. 

XX/XX/year> {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XX/XX/year> - Called company, was on phone for XXXX minutes in total. Had conversation with customer support on the Venmo side and then fraud support team on the synchrony side neither could fix the app problem. And every time I was transferred there was no line of communication. Account app service not restored but I was assured it would be once new card was activated. XX/XX/year> - On phone for XXXX mins cumulatively between Synchrony support and Venmo support. Card successfully activated but app and account features still not visible and still unable to view past statements. Makes it very difficult to ensure my account transactions are legitimate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
b'I am submitting this follow-up complaint as my second formal dispute regarding multiple inaccuracies currently reported on my TransUnion, Experian, and Equifax credit files. Despite my previous dispute submissions, these errors remain uncorrected. I am therefore requesting CFPB assistance to ensure that the consumer reporting agencies comply with their obligations under the Fair Credit Reporting Act (FCRA), including Sections 607(a), 611(a), 623(a)(2), and 605(a), which require that all information reported be accurate, complete, timely, and verifiable.\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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief