vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-12-05 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: GA

Complaint narrative:
My Cash App account was accessed by someone without my authorization. I was locked out of my account and could not get back in. On the same day, several unauthorized transactions were made from my Cash App balance. I did not approve or initiate these transactions. 
I contacted Cash App Support via phone immediately. Support confirmed that I was locked out and helped me regain access to my account. After that, I submitted a dispute for the unauthorized transactions. 
Despite the clear evidence that my account was compromised and that the transactions were not made by me, Cash App denied my dispute. They did not provide a detailed explanation for the denial, and the decision contradicts the fact that I was not in control of my account at the time. I asked for clarification on the denial and did not receive a meaningful response. 
I am requesting that Cash App reopen and properly review my dispute, refund the unauthorized charges, and provide a clear explanation for why the initial dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXXXXXX 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 2025-12-05 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: NJ

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXXXXXX 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 2025-12-05 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: CA

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 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
We attended a XXXX sales presentation in XXXX, FL on XX/XX/year>. We were shown only a XXXX-page Statement of Understanding on an iPad about a XXXX XXXX program at $ XXXX. We initialed that XXXX page. No total price, contract terms, or {$10000.00} charge were shown or disclosed. 

After we initialed that page, the XXXX representative took back the device and completed the rest of the documents himself using XXXX host controls. We did not receive a XXXX email, did not have access to the XXXX-page contract at signing, and did not approve the {$10000.00} charge on the XXXX Barclays card . 

We later discovered the charge and immediately disputed it in writing. Barclays later sent a letter saying they attempted to reach us for more information and closed the dispute. We checked our phones and email and did not receive any contact. We believe the dispute was closed before our notarized documents were added to the file. 

We called Barclays immediately, and the representative confirmed our documents are now in the case file and instructed us to submit a written request to reopen. We faxed that request. XXXX has only told us verbally that we are liable and said they would follow up with this decision by email ; we have not received any written decision from them. We are also filing a police report for misuse of our electronic signature and will provide it when available. We are asking Barclays to reopen the dispute, pause charges and credit reporting, and conduct a full review of the evidence.

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 2025-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage acquired my loan in XX/XX/year>. From XXXX until the end of XX/XX/year>, I did not receive a single notice, letter, email, or communication stating that wind insurance was required or that any coverage was missing. There were no warnings, no deficiency letters, and no requests for proof of insurance. 
The very first time I became aware that Freedom believed wind coverage was required was when I contacted them myself at the end of XXXX or beginning of XXXX. Only then was I told that they had just realized my loan did not show wind insurance. This means the servicer overlooked this for more than XXXX months and then attempted to shift that error onto me. 
I was never given the mandatory written notice that servicers are required to send before force-placing insurance. I was never given the opportunity to provide my own policy, never informed of any deadline, and never told that charges would be back-dated or added to my account. Instead, Freedom is attempting to bill me retroactively for months of coverage that I was never notified about and could not have avoided because they failed to communicate the requirement in the first place. 
As of the date of this complaint, I have secured the required wind coverage through my XXXX umbrella policy, and proof has already been provided. There is no dispute about current coverage. 
The issue is Freedoms failure to provide notice, their failure to follow the legally required force-placed insurance procedures, and their attempt to charge me for their own oversight. Their actions are unfair, unreasonable, and financially harmful. 
I am requesting that the CFPB require Freedom Mortgage to remove all back-dated forced-placed insurance charges, correct my account, and ensure they follow all required notice procedures going forward.

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 2025-12-04 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:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: IL

Complaint narrative:
XXXX they keep calling about medical debt when im a XXXX veteran and the va covers my medical expenses since I was severely injured during XXXX XXXX they are calling every single day to my father and call when he hangs up XXXX out answering while he is in company meetings and refuse to tell him what its about please get these scamers off my back they keep switching company names and just breath into the mic for XXXX seconds when you call them back like weirdos I keep telling them to go to the va for payment because I have given them the information way to many times and im feeling they are selling the information I give them expessially because they record voices and specify they do so any answers you give them they can use to do anything with its XXXX  why are we still dealing with scamers calling us that barely speak English asked a dude sometime we're he was calling from and he said XXXX I hung up immediately no wonder why the old people are being scammed out of the clothes they wear XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
IDENTITY THEFT BLOCK REQUEST 15 U.S.C. 1681c-2 Re : Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am formally requesting that your agency block and delete all fraudulent accounts and inquiries that resulted from identity theft, as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

I have included the required documentation to prove my identity and the identity theft, including : FTC Identity Theft Report Government-issued ID Social Security documentation Proof of address These documents meet the statutory requirements for processing an identity theft block under the FCRA. A police report is not required under federal law, and you must accept my FTC Identity Theft Report as sufficient documentation. 

Fraudulent Accounts to Be Blocked : Account Name : XXXX XXXX XXXX Account Amount : {$340.00} Account Number : XXXX These accounts were not opened or authorized by me, and I am requesting an immediate block and deletion. 

FCRA Compliance Requirement Under 15 U.S.C. 1681c-2 ( a ) and ( b ) your agency is required to block the reporting of this fraudulent information within XXXX business days of receiving : XXXX. Proof of identity, XXXX. A valid identity theft report, and XXXX. Identification of fraudulent information. 

I have provided all required information. 

Demand I therefore demand that you : XXXX. Block and delete the fraudulent accounts and related information within XXXX business days, XXXX. Provide me written confirmation of the deletion, and XXXX. Send an updated copy of my credit report once the block is complete. 

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention. Please send confirmation to the mailing address listed above. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am attempting to provide feedback about Shellpoint 's response to my original complaint ID XXXX as requested. I totally refute Shellpoint 's response to my original complaint. 
Shellpoint stated that my complaint " is not a proper CFPB complaint ''. That is false. The CFPB states, " We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. '' Shellpoint has engaged in all of the CFPB stated standards. 
In Shellpoint 's response they allege that I am attempting to " circumvent '' the XXXX XXXX Florida XXXX XXXX, Case No. XXXX. That is false. In the Court Order signed on XX/XX/2025 by XXXX XXXX XXXX XXXX, Shellpoint was required to voluntarily dismiss their case " within XXXX ( XXXX ) days of Defendant 's final payment of the temporary plan '', which was accomplished on XX/XX/2025 as acknowledged in Shellpoint 's own records. 
Shellpoint ignored and violated this Court Order and is attempting to illegally Circumvent the XXXX XXXX XXXX. This glaring violation falls under the CFPB jurisdiction. 
In addition to this violation, as I stated in my original Complaint, they made demands for previously undisclosed payment terms. They are demanding monthly payments that are XXXX % higher than the trial payments for mortgage modification that I made. They try to cover this extortion by calling the trial payments " estimates ''. What are the limits on good faith estimates, XXXX %, XXXX %, XXXX %? 
This reckless, fast and loose book keeping certainly falls within the unfair, deceptive, or abusive practices protection mandate of the CFPB. 
I am available to discuss any and all aspects of my complaint.

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 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
A fraudulent Capital One account ending in XXXX was opened in my name without my knowledge. I submitted an FTC Identity Theft Report, government ID, proof of address, and multiple written disputes. Capital One admitted in writing that it can not provide a signed application or any documentation authenticating the account. They also sent contradictory lettersone requesting my full SSN again ( stalling ), and another claiming no fraud found despite lacking any application or identity-verification records. Capital One continues furnishing unverifiable information in violation of FCRA 605B, 611 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), and 1681g ( e ). This is an ongoing problem despite multiple disputes and prior CFPB complaints. I am requesting CFPB assistance to correct this unlawful reporting.

Company response to consumer: Closed with explanation