vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: IN

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file. Below are the accounts in dispute, separated by credit bureau. Please review the following information and correct the discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$23.00}

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 2025-12-09 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: AL

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 : XXXXXXXX XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$310.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00}

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 2025-12-09 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: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I did not receive the XXXX mortgage statement and was unable to make payment by phone because the servicer only accepts wire transfers when calling in. I was also unable to pay online because their system would not link my mortgage to my account despite using the correct loan number. 

The XXXX  written statement related to XXXX arrived postmarked XX/XX/XXXX. On XX/XX/XXXX, I submitted a payment covering both XXXX and XXXX based on a combined billing statement. I later received the XXXX statement and paid that as well. 

When I contacted the servicer on XX/XX/XXXX to verify my status, I was told their system shows I am paid through XXXX, which does not logically align with when payments were due. This suggests possible misapplication or misallocation of funds. 

On XX/XX/year>, I received a default notice stating that I was in default while also showing a XXXX XXXX XXXX of {$0.00}. Shortly after, I observed that the servicer reported a XXXX delinquency to the credit bureaus, causing a XXXX XXXX drop of approximately XXXX points. 

I sent a Notice of Error under XXXX XXXX on XX/XX/XXXX using the email address provided on their notice. The servicer responded but refused to acknowledge the Notice of Error, stating they could not assist because the email was not on file. I then resent the Notice of Error from my verified email on XX/XX/XXXX, and again they responded without acknowledging receipt or investigating the error. They instead directed me to call, which does not satisfy XXXX  XXXX  requirements for written acknowledgment. 

The servicer remains out of compliance with XXXX C.F.R. XXXX ( d ), ( XXXX ), ( g ), and ( i ), including failure to acknowledge the XXXX within XXXX business days, failure to suspend adverse credit reporting during dispute, and failure to investigate or correct the clear servicing errors. 

This is a XXXX loan, and there has been no required delinquency assistance, outreach, or single point of contact. I have made multiple attempts to resolve this directly. I have also contacted XXXX  to dispute the inaccurate negative credit reporting. 

I am seeking CFPB assistance to correct the account, restore my credit, prevent any further wrongful default activity, and address the servicers failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I discovered that I am a victim of identity theft, and as a result there is incorrect information on my credit reports. This includes bank accounts, credit cards, and a personal loan that I did not open or authorize. 

I noticed unfamiliar accounts and activity on my credit report and in my financial records. Specifically, the following types of accounts appear to have been fraudulently opened in my name : Bank account ( XXXX ) that I did not open Credit card account ( XXXX ) that I did not open A personal loan that I did not apply for or authorize These accounts do not belong to me, and I never gave anyone permission to open or use them. 

What I expected to happen I expected : That no accounts would be opened in my name without my knowledge and consent. 
That once I reported the identity theft and fraudulent accounts, the companies and credit bureaus would : Investigate my dispute Remove or correct the fraudulent accounts and any related negative information from my credit reports Stop collection activity on any debts resulting from the identity theft What actually happened After discovering the fraudulent accounts, I took the following steps : Contacted the companies and/or banks I contacted the companies that appeared on my credit report as the owners of these accounts ( bank ( XXXX ), credit card issuer ( XXXX ), and the personal loan provider ). 

I informed them that I am a victim of identity theft. 
I stated clearly that I did not open these accounts and did not authorize any related transactions. 
Contacted the credit bureaus I contacted the major credit bureaus and : Filed disputes about the fraudulent accounts and any negative marks Requested that the fraudulent accounts be removed or marked as identity theft Requested a fraud alert and/or security freeze on my credit file Filed an identity theft report Despite these actions, the problem has not been fully resolved : The fraudulent bank account ( XXXX ), credit card ( XXXX ), and personal loan may still be showing on my credit report.

Some negative information ( late payments, collections, or high balances ) related to these fraudulent accounts may still be reported under my name.

This incorrect information is harming my credit profile and may be affecting my ability to obtain credit or other services.

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 2025-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: LENCO FINANCE OF CARENCRO, INC
State: TX

Complaint narrative:
Information XXXX XXXX XXXX XXXX ( b ) ( XXXX ) 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 violationoXXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-09 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: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

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 : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX  XXXX  Date : XXXX ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$740.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$760.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX  XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, XXXX XXXX {$0.00}

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 2025-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Federal Student Aid ( FSA ) holds my student loans and I have been in repayment for XXXX  years. I work in public service and I have been making my XXXX payments the entire time. In XX/XX/XXXX, I made my XXXX ( and final ) payment, as per the terms of XXXX. 

I found out the last XXXX payments I made did not count toward my PSLF forgiveness, because of some forbearance the Government placed on all student loans. I contacted FSA to find out what I needed to do in order to have my final XXXX payments count toward my forgiveness and they told me to " submit a buyback request '' on their website, which I did in XX/XX/XXXX. 

To date, I still have not received the buyback amount or instructions on how to pay for the final XXXX months of my terms so I can get this enormous loan forgiven. 

I reached out to " customer service '' and sent several messages and still no response. 

Please help.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-09 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: KY

Complaint narrative:
I am writing to dispute the following accounts that appear on my credit report. Please investigate and remove any inaccurate information, as these accounts may not be accurately reported. I am seeking compliance with the Fair Credit Reporting Act, specifically ensuring that any unverifiable or incomplete information is removed from my credit report. 

CHARGED OFF DEPTEDNELNET Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00}

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi XXXX XXXX card. 

Citi requested that I submit a XXXX form. 

I submitted the form on time. 

I verified that Citi received it. 

Shortly afterward, my card was closed. 

Given this timeline, I dont understand why my documentation wasnt processed and why the account was closed so quickly. Please explain the reason for this action and advise what steps I should take next.

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 monetary relief
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX XXXX . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 2025-12-09 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: IL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
I noticed that large amounts of money missing from my Cashapp account. I immediately disputed over 60 transactions ranging from {$10.00} to {$100.00} USD, for a total exceeding {$1900.00} USD. Cashapp sent me over 60 emails at XXXX today denying all claims. I am a XXXX XXXX XXXX  with a government phone, which as many know is very limited on it's capabilities for things. The money that was stolen belongs to a XXXX non-profit animal rescue that I am vice-president of. The head of the rescue, who is a member of the XXXX XXXX XXXX contacted Cashapp XXXX today for me. The next step for this is a complaint to the XXXX Treasury as well as the Internal Revenue Service with a criminal complaint against Cashapp for theft from a public charity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I submitted the required XXXX form on time for my Citi XXXX XXXX card. Citi confirmed receipt, yet my card was closed shortly afterward with no explanation. Why was the account closed, and why wasnt my documentation processed? I need an immediate answer.

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 monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: DE

Complaint narrative:
I was charged {$220.00} by a merchant named XXXX XXXX XXXXXXXX for a microlocs installation service. 
The service was never provided. The stylist did not install the microlocs, and when I requested a refund, she refused and stated she could not issue one. 
I filed a dispute with Chime regarding this transaction. Despite the fact that the service was not delivered, Chime has not returned my money, nor have they resolved my dispute properly. 
Under the Electronic Fund Transfer Act ( Regulation E ), Chime is required to investigate unauthorized or incorrect transactions, including situations where a merchant charges for services never received. 
I am requesting that Chime complete a proper investigation and issue a refund of {$220.00}, as I paid for a service that was not provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: NJ

Complaint narrative:
This is our 3rd written attempt to resolve this ongoing issue with our escrow account since XXXX of XXXX. There are several issues with incorrect and missing funds. 
We are now making an official complaint with the CFBP ( Consumer Financial Protection Bureau ) on the basis of fraud. 

In XX/XX/XXXX, we were informed that our then current homeowners insurance company did not receive our yearly payment from current lender LoanCare. I spoke with customer service representatives, and they took the information and address to send payment to. THIS WAS NEVER DONE. 

In XX/XX/XXXX as per our escrow account history, LoanCare disbursed hazard insurance in the amount of {$2300.00} ( see attached ). This payment was actually sent to the WRONG insurance XXXX as per XXXX XXXX  ( we have proof ). They never received payment due to an error on LoanCares part. This then caused us so much frustration as our policy was voided, and a forced insurance was place on us. In XX/XX/XXXX, a disbursement of {$3800.00} was sent to XXXX for hazard insurance. LoanCare did not do their job. This is unfair and unacceptable. 

Upon further investigation into our escrow account, there is a major issue with missing funds. Payment of {$2300.00} ( XXXX ) for hazard insurance in XXXX was never placed back into the escrow account. Where is it? Why is it missing? Why did was this payment not returned to us? Also, the XXXX payment of {$3800.00} ( XXXX ) is also incorrect as we obtain a new policy with XXXX XXXX. 

Further, the escrow account projection is also incorrect. There is no projected payment of {$3800.00} as we dropped this ridiculous forced policy. This also must be fixed and reflect in the XX/XX/XXXX payment. There is no escrow shortage. LoanCare owes us back funds which need to be sent as soon as possible. This is stealing funds from customers and as stated above is being reported.

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