vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
MY ACCOUNT HISTORY IS ACCURATE EXCEPT FOR THIS ENTRY.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I dispute all accounts in my credit file as invalid, unenforceable, and/or legally challenged. I demand full reinvestigation and verification under FCRA 1681i ( a ) and 1681e ( b ). Any unverifiable account must be removed immediately. Notify all data furnishers.

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 2025-12-29 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: TX

Complaint narrative:
I dispute all accounts in my credit file as invalid, unenforceable, and/or legally challenged. I demand full reinvestigation and verification under FCRA 1681i ( a ) and 1681e ( b ). Any unverifiable account must be removed immediately. Notify all data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
This CFPB complaint is being filed to demand, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX  immediately block and remove all information on my consumer credit report that stems from identity theft and fraudand to do so within the required 4 business days of receiving this notice. Your agency is now formally on record and legally obligated to act. 

The fraudulent, inaccurate, and unauthorized information includes, but is not limited to : XXXX XXXX XXXX - These accounts have triggered fraudulent hard inquiries and fraudulent collections, all of which are currently appearing on my consumer XXXX credit report and causing ongoing financial harm. Every one of these accounts, collections, and inquiries is the direct result of identity theft, and their continued presence on my report is unacceptable, damaging, and in violation of my rights under federal law. 

I have attached FTC Identity Theft Criminal Complaint # XXXX as official proof from the U.S. Federal Trade Commission verifying that these accounts, collections, and hard inquiries are fraudulent. 

I expect full compliance and immediate corrective action

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 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an email offer from Capital One XXXX on XX/XX/year>, stating I would earn {$34.00} back in rewards for my next order of XXXX. That same day, I clicked the link in the email, and completed my purchase through the app, taking a screenshot every step of the way. I then waited the 30 days required for rewards, but they never showed. Upon contacting the company, I was told I did not complete the order through the app. This is easily disproved by the time stamps in the screenshots I took. They refused to resolve the situation, so now i am asking for assistance in resolving this matter. I only made a purchase because of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I am a victim of identity theft resulting from a data breach and unauthorized access to my personal identifying information. As a result of this breach, multiple accounts were opened, used, or reported on my consumer credit reports without my knowledge, consent, or authorization. 

The following accounts do not belong to me and are the direct result of fraud and identity theft : XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX In addition, XXXX XXXX XXXX, XXXX. ( XXXX  ) placed a hard credit inquiry on my credit report that I did not authorize. I did not apply for credit with XXXX XXXX XXXX, nor did I provide written or electronic permission for this inquiry. 

Despite notice that these accounts and the XXXX XXXX hard inquiry are fraudulent, the consumer reporting agencies and/or furnishers have continued to report this inaccurate information, causing significant harm to my credit profile. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy. Reporting accounts and inquiries resulting from identity theft violates this duty.

Under FCRA 1681c-2 ( Section 605B ), once a consumer identifies information resulting from identity theft, the consumer reporting agency is required to block and delete the fraudulent information from the credit file. Continued reporting after notice constitutes noncompliance.

Additionally, under FCRA 1681i, consumer reporting agencies must conduct a reasonable reinvestigation and delete any information that can not be verified as accurate. Furnishers also have duties under FCRA 1681s-2 ( b ) to investigate and correct inaccurate reporting. 

The continued reporting of fraudulent accounts and the unauthorized XXXX XXXX hard inquiry after notice demonstrates a failure to comply with federal consumer protection law and has caused ongoing financial and credit harm. 

I am requesting CFPB intervention to require immediate deletion and permanent blocking of all accounts resulting from identity theft, removal of the unauthorized XXXX XXXX hard inquiry, written confirmation of deletion, and assurance that these items will not be reinserted.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to request an update to my personal information on my credit file. 

Please update my records with the following correct information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Email : XXXX Phone Number : XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The information currently on file XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX are incorrect I'M requesting that it be corrected/Deleted as soon as possible. I have enclosed copies of the necessary identification documents to verify my identity and support this request. 



Please confirm once the updates have been completed, or contact me if any additional information is required. 


Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Email : XXXX Phone Number : 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to TransUnion by certified mail requesting reinvestigation and correction or deletion of inaccurate and unverifiable information on my credit report. USPS records confirm TransUnion received the dispute no later than XX/XX/year>. More than 30 days passed without TransUnion conducting a reasonable reinvestigation or providing written results and an updated consumer report as required by the Fair Credit Reporting Act. On XX/XX/year>, I sent a follow-up written notice documenting TransUnions failure to comply, yet the disputed information continues to be reported without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVLN stated I owe {$3000.00} dollars, but then the notes states {$2800.00} original balance. LVLN is false misrepresentation the amount and this aligns with 15 U.S.C. 1692e is the section of the Fair Debt Collection Practices Act ( FDCPA ) that prohibits false, deceptive, or misleading representations by debt collector. Request for removal permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation. 

Names : 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 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 2025-12-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, an unauthorized transaction of {$1900.00} was made from my Cash App account to XXXX XXXX XXXX. I did not authorize or benefit from this transaction. 

I reported the transaction promptly to Cash App and filed both a dispute and an appeal. Cash App denied both, claiming the transaction was authorized, but did not provide device, IP address, login history, or authentication evidence. 

I have filed an FTC Identity Theft report regarding this unauthorized transaction and am attaching the confirmation. I am requesting reimbursement under Regulation E for an unauthorized electronic funds transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: ID Analytics, Inc.
State: TX

Complaint narrative:
The bankruptcy record ( XXXX XXXX. XXXX ) and the address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX appearing on my XXXX consumer file do not belong to me and are the result of identity theft. I have never lived at that address and never filed or authorized any bankruptcy. 

Despite my dispute, XXXX relied on third-party data ( PACER ) and partial identifiers instead of ensuring maximum possible accuracy, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). Once identity theft is asserted, the FCRA requires the blocking and deletion of fraudulent information ( 15 U.S.C. 1681c-2 ), not continued reporting. 

I am requesting CFPB assistance to ensure immediate removal of this inaccurate and identity-theft-related information and to prevent further harm caused by unlawful credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I pulled a copy of my credit report and you are reporting a late payment in XXXX of XXXX  for my XXXX  Account. I was never past due 30 days from the due date. My account was closed and paid as of XX/XX/year> ( which youre reporting ), which means its impossible for me to be 30 days past the DUE date. This late payment doesn't meet Metro 2 Requirements. 

Please update my account to PAID AS AGREED NEVER LATE. 

Account Name + Number : XXXX XXXX XXXX - XXXX Relevant Information : Screenshot from creditor showing past due date & credit report showing account closed and paid in full XX/XX/year>.

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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
I opened a XXXX  account on XX/XX/year>, and used a referral code publicly shared on XXXX as part of a {$50.00} signup bonus promotion. To qualify, I was required to complete specific trading volume requirements, which I fulfilled in good faith. 

On XX/XX/year>, XXXX  sent me a formal confirmation email stating : " Welcome to the XXXX! You've achieved Recruit status. You've earned {$50.00} in the crypto of your choice since you achieved Recruit status. '' The email further clarified that rewards would be received starting 30 days after account creation. 

Despite this official confirmation, I never received the credit. I contacted XXXX  support under Ticket XXXX. The company confirmed that referral code XXXX was correctly applied to my account but is now refusing to issue the credit, claiming the third party referrer must contact them directly. 

I have no personal relationship with the owner of the referral code and no means to compel a stranger to contact XXXX  support. XXXX  has full access to their own database and the identity of the referrer, making this a trivial internal matter for them to resolve, yet they are placing an impossible burden of responsibility on me. I should not be held accountable for XXXXXXXX XXXX internal verification issues with another user. 

Holding a customer reward hostage based on the undisclosed status of a third party, especially after sending a formal confirmation email, is an unfair and deceptive trade practice. I am requesting the {$50.00} reward that I legally earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disagree with Equifaxs response. All of the accounts referenced in Equifaxs reply including XXXX XXXX and XXXX XXXX XXXX were disputed as part of a documented identity theft investigation. 

I submitted identity theft documentation in support of my dispute, including proof of identity and supporting evidence, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). Once identity theft is properly alleged and documented, Equifax is required to block the reporting of the fraudulent information, not merely verify or modify tradeline fields. 

Equifaxs response fails to address why these accounts were not blocked or removed despite my submission of identity theft documentation. Verification without disclosure of the actual evidence relied upon does not satisfy Equifaxs statutory obligations. 

I am requesting immediate compliance with the FCRA by blocking and/or deleting all information resulting from identity theft and providing written confirmation of the action taken. If Equifax believes any account is valid, I am requesting full documentation supporting that determination, including the method of verification and the specific evidence used. 

I reserve all rights under federal and applicable state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
COMPLAINT ID XXXX Response to the company : The mortgage refinance was approved in XXXX, with a monthly payment of {$1700.00} scheduled to begin in XXXX. An approved notary was sent to execute the refinance documents ; however, Mr. Cooper failed to timely process the signed forms. 

During multiple follow-up calls, I was repeatedly advised that the underwriter was still processing the paperwork. Although representatives were unable to explain the delay, I was consistently assured that I was fully locked into the {$1700.00} payment amount and instructed not to worry. 

When I made the XX/XX/XXXX payment as agreed, the payment required manual underwriting approval. I was assured that this was a temporary workaround, that the payment amount would not change, and that the signed agreement was simply awaiting final booking. I made the same payment on XX/XX/XXXX, which again required approval. Despite receiving automated notices in my online account stating that I was underpaying, I was repeatedly instructed to ignore those notices because the workaround had not yet been fully booked. 

On XX/XX/year>, without prior notice, I was informed that the workaround solution had been changed. I was told that underwriting had held the signed forms for such an extended period that investor approval was now required, and as a result, my monthly payment was increased to {$1900.00}, effective XX/XX/year>. No revised agreement or workaround solution was signed or approved by me. 

Additionally, my online loan portal reflects inaccurate and alarming information. It appears as though my loan has restarted entirely, showing the original purchase amount from XXXX $ XXXX than the {$20000.00} refinance amount, as if no payments have been made over the past three years. 

This conduct appears unlawful and reflects unsound and potentially deceptive business practices. I believe these actions may also involve age-based discrimination. I was advised that the payment increase was due to insurance and tax adjustments ; however, this is incorrect. I have an active homestead tax credit, and my homeowners insurance has not increased in a manner that would justify a {$120.00} payment increase.

Attempts to obtain assistance by phone have been unsuccessful. I am consistently misinformed, and the ongoing uncertainty has caused significant hardship and stress. Any increase or change to the workaround solution should be the sole responsibility of the company, given its failure to process the signed documents in a timely manner and uphold its fiduciary obligations. 

Out of fear of losing my home, I have continued making payments of {$1900.00} without proper notice or a signed agreement. However, this situation appears highly improper and potentially unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Account I C SYSTEM in the amount of {$900.00} I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account I C SYSTEM as soon as possible from my report or I will have to take legal action.

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