vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by Equifax, Experian, and TransUnion related to my student loan accounts. These reporting issues are currently part of active litigation ; however, this complaint concerns the credit bureaus independent duties under the Fair Credit Reporting Act to ensure maximum possible accuracy. 

Between XXXX and XXXX, I obtained student loans that were later serviced by XXXX and subsequently transferred to XXXX XXXX. Since entering repayment, I have made payments in good faith. Beginning in XXXX and continuing into XXXX, I identified material discrepancies in how these accounts were reported across all three credit bureaus, including inconsistent balances, inaccurate payment histories, and interest accruals that did not align with my records. 

I submitted disputes to Equifax, Experian, and TransUnion throughout XXXX and XXXX, providing supporting documentation. Despite these disputes, the bureaus continued reporting the same inaccurate information. The responses appeared automated and did not reflect a reasonable reinvestigation of the disputed items. In some instances, information remained inconsistent across bureaus for the same account. 

These inaccuracies have caused ongoing, severe, and extreme harm to my credit profile, including adverse credit reporting despite my efforts to address and resolve the errors. This complaint does not seek to litigate the merits of the underlying loan dispute but instead addresses the credit bureaus failure to independently verify and correct inaccurate reporting. 

I am requesting that the CFPB require Equifax, Experian, and TransUnion to conduct a proper reinvestigation, correct or delete inaccurate information, and ensure that all reporting accurately reflects verified data, consistent with their obligations under the Fair Credit Reporting Act.

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 2025-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: NM

Complaint narrative:
I had a loan authorized and approved from affirm for a product I purchased from a company XXXX XXXX XXXX for {$8100.00} on XX/XX/XXXX. I set up payments and had everything ready to go and on XX/XX/XXXX i received an email saying my account has been locked and the loan was unauthorized. Now I cant get into my account and make payments. Not even sure if the tool I ordered will be cancelled. I dont understand why they decided to rug pull me at the last second. Seems like really terrible business practices and shouldn't be doing business if they cant keep their story straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/year> I received a notice from Cash App stating my account was closed due to violation of terms. I have never violated terms and I have tried to speak with them but no one has responded and no one has given me any information. I have tried to submit an appeal and no other action has been taken or submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: KS

Complaint narrative:
CEASE AND DESIST COMMUNICATION LETTER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Via Certified Mail, Return Receipt Requested Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Demand to Cease and Desist Communication Account No. [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), requiring you to CEASE AND DESIST ALL FURTHER COMMUNICATION with me concerning the debt referenced below. 
Original Creditor : XXXX Jefferson Capital Systems Account No. : XXXX JCS Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA Debt Amount : {$140000.00} You recently sent me a letter, dated XX/XX/2025, which acknowledged my dispute and stated that you would cease collection activity and request that the consumer reporting agencies delete this account. 
This letter serves to formally reinforce that action and require the following : IMMEDIATE CESSATION OF ALL CONTACT : I demand that you immediately cease and desist all direct or indirect communication with me, my family, or my employer regarding the above-referenced account, including but not limited to, telephone calls, mail, email, and text messages. 
CREDIT REPORTING DELETION : I demand that you follow through immediately on your commitment to request deletion of this account from all consumer credit reporting agencies XXXX XXXX XXXX XXXX XXXX ) and provide written confirmation to me when this deletion has been completed. 
NO CONTACT EXCEPT AS ALLOWED BY LAW : You may only contact me one last time to advise me that collection efforts are being terminated or that you intend to pursue a specific legal remedy, as explicitly permitted under 15 U.S.C. 1692c ( c ).

Be advised that any violation of this cease and desist demand will be reported immediately to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of my state. 
I expect full and immediate compliance with this notice. 
Sincerely, XXXX XXXX XXXX XXXX Instructions for Sending Print and Sign : Print the letter and sign it. 
Make Copies : Keep XXXX signed copy for your records. Copy the entire package, including the original letter from Jefferson Capital ( XXXX ), as evidence. 
Mail Certified : Go to the post office and send the letter via Certified Mail with " Return Receipt Requested. '' This service provides you with a mailing receipt and a green card signed by the recipient, which is your legal proof that they received your demand and the date they received it. 
Save Everything : File the mailing receipt and the green Return Receipt card with your copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: IN

Complaint narrative:
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report along with the required proof of identity, consumer reporting agencies are legally required to block the reporting of the disputed accounts within four ( 4 ) business days. This statutory obligation is mandatory, not discretionary, and does not permit delay, reinvestigation, or continued reporting.

The continued reporting of these accounts after receipt of proper documentation constitutes a direct and willful violation of federal law. Any failure to block the accounts as required by 15 U.S.C. 1681c-2 ( a ) ( 1 ) exposes the consumer reporting agencies to civil liability, including but not limited to actual damages, statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o.

Furthermore, any reinserted or re-reported information without the strict certification required under 15 U.S.C. 1681c-2 ( a ) ( 5 ) is unlawful and prohibited. No certification that these accounts are accurate and not the result of identity theft has been provided.

The continued publication of these accounts after statutory notice has been given is reckless, unlawful, and constitutes noncompliance with the Fair Credit Reporting Act. Immediate corrective action is required to bring the consumer reporting agencies into compliance with federal law.

Account List 1. XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Bureaus Reporting : TransUnion, Experian 2. XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Bureaus Reporting : TransUnion, Equifax 3. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} Bureaus Reporting : TransUnion, Equifax 4. XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Bureaus Reporting : TransUnion, Experian 5. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Bureaus Reporting : TransUnion, Experian, Equifax

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 2025-12-21 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: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX. ) REPORTED BALANCE OF {$460.00}. I HAD NOT BEEN CONTACTED OF THIS DEBT. in accordance with the SERVICE MEMBER RELIEF ACT, fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social 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 2025-12-21 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: Block, Inc.
State: SD

Complaint narrative:
I was wrongfully charged multiple times by a company I have never heard of. They took out small transactions at a time until my balance was XXXX. I had just made a deposit to my cash app and 24 hours later the entire amount has been taken in {$5.00} increments. I would just like to get my money back and not have this company take from my account anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: IN

Complaint narrative:
Type of Product : Debt collection Sub-type : Medical debt COMPLAINT SUMMARY : Medical equipment provider XXXX XXXX is threatening to send my account to outside collections for fraudulent charges that were resolved months ago. Despite documented proof of payment and agreement with their XXXX XXXX they continue billing and now threaten collections. 

DETAILED DESCRIPTION : Company : XXXX XXXX. 
Account : [ XXXX ] Issue : Fraudulent debt collection threat on a resolved medical account After discovering billing errors, I conducted a complete audit ( I am a former public accountant and federal auditor ) and verified all transactions with my insurance company, XXXX XXXX XXXX XXXXXXXX XXXX XXXX representative XXXX XXXX XXXX XXXX 

In a three-way call with XXXX XXXX XXXX I contacted XXXX Accounts XXXXXXXX XXXX  XXXX, who reviewed my audit, agreed on the correct amount owed, and I immediately paid by check. I considered the matter closed. 

The following month, I received another fraudulent bill. After allowing time for system updates, I contacted their Patient Advocate Program. XXXX XXXX XXXX XXXX XXXX  XXXX responded, making false claims that my personal phone number ( which I've had XXXX years ) belonged to a business where I'm not employed. I offered a conference call with XXXX and XXXX, provided detailed documentation of their error, and suggested a meeting time. XXXX XXXX never responded. 

On XX/XX/XXXX, I received an invoice dated XX/XX/XXXX threatening that my account " is being considered for outside collection '' for charges that are fraudulent and were previously resolved. 

As of XX/XX/XXXX, I have begun to receive collections letters from BC Services on this XXXX account.

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 2025-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: KS

Complaint narrative:
My mom passed away on XX/XX/year>. I had her XXXX service turned off and returned all of her equipment to the store. I provided them a copy of the death certificate as well. The store would not accept the cellphones my mom had two. One was locked and could not be used. I mailed the death certificate with the bill that kept coming in the mail as well. On XX/XX/year> while cleaning out the house I called XXXX to see if they received the death certificate in the mail and to inform them that my mom had passed away because she kept getting calls and bills in the mail. On XX/XX/year> someone from XXXX called my phone asking a lot of personal information about me that I didnt feel comfortable answering. I told them I was the daughter and that my mom passed away. The call lasted about 1 minute. On XX/XX/year> all of the sudden I had a debt collection on my credit report for {$800.00} from a debit collection agency. I called the billing department at XXXX and they told me that I called them on XX/XX/year> and stated I wanted to take an account take over by phone. This is not true at all and I asked to hear the recording. They stated they didnt have one. They also stated if I had not have hung up on the representative on XX/XX/year> they would have gave me instructions on where I could drop off the phones. The representative asked me if I still had the phones? I told her yes I did I dont want anything from XXXX I have my own phones and I have no use for phones I can not use. I told her there is no way I would have called them and made that statement to just sign up to take responsibility for bills that do not belong to me. That is not true and fraudulent on them. I asked them how did they get access to my credit account by just knowing my name and phone number? This is not right at all and the fraudulent bill that does not belong to me put a big ding on my credit report. They have nothing in writing stating this account belongs to me or that I stated I was taking it over. Im stating it again now this account is not mine and Im not responsible for it and I do not want to have any part of it. I do not have an account with them and I do not want to take this account over, this is not an accurate statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I chose to close my XXXX  credit card from Continental Finance Company ( XXXX ) and found out on XX/XX/XXXX that I had {$160.00} of credit on the card. 

On XX/XX/XXXX, I called their customer service to have that money refunded. They said they would mail it and I would receive it within 15 business days. 

On XX/XX/XXXX, I called their customer service to, again, have that money refunded. They said they would return it to the card I had been using to pay off monthly payments, and it would be done in 3-5 business days. 

On XX/XX/XXXX, I called their customer service to, once again, have that money refunded. Once again, I received a different story. I begged them for the money back and they said it would take 3-5 business days to be refunded. 

On XX/XX/XXXX, I called their customer service to beg for my money. My family is going through difficulties in this moment, and for them to continue to withhold my money is absolutely frustrating. They said that it would take 10-14 days to receive my refund in the mail, and that transfers to my bank account weren't an option.

At this point, I'm desperate to get my money back.

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 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX has an open fraud claim and I am a victim of it. I paid my loan on time and they closed my account and still stating I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am writing to file a complaint against CareCredit regarding a lack of disclosure about a promotional period associated with my account. 
In XX/XX/year>, I applied for and was approved for a CareCredit account through my dental office to finance dental work. I have been making monthly payments on time since the account was opened. Every month, I logged into the CareCredit app on my mobile phone to make my payment, but there was never any information within the app regarding the promotional period. 
However, in XXXX of this year, I noticed a significant increase in my balance due to accrued interest. Upon reviewing my account, I discovered that I was enrolled in a promotional period where no interest was to be charged for 12 months. After the promotional period ended, I was subjected to a high-interest rate of 32.99 % on the original balance. 
I was never informed about this promotional period by CareCredit. The welcome packet I received did not contain any information about the promotional period, and there was no mention of it in the CareCredit app, where I made my payments each month. This lack of transparency has resulted in financial hardship and feels deceptive.

Under the Federal Trade Commission Act ( 15 U.S.C. 45 et seq. ), unfair or deceptive acts or practices are prohibited. I believe that CareCredit 's failure to disclose the promotional period constitutes an unfair and deceptive practice.

I request that CareCredit address this issue and provide a resolution. I believe that clear communication and full disclosure are essential in such financial agreements. 
Thank you for your attention to this matter. I look forward to a prompt resolution.

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 2025-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I paid my XXXX XXXX  XXXX credit card ( issued by Comenity Capital Bank ) in full, and the payment cleared my bank. The account was then closed.

Despite this, Comenity has failed to report the payoff to the credit bureaus, has locked me out of my online account, and has blocked phone access, refusing to confirm that the account is paid.

I no longer have the card number because the account is closed, and Comenity is refusing to provide written confirmation, payment history, or a final statement.

I am requesting : 1. Written confirmation that the account is paid in full 2. Immediate correction of credit bureau reporting 3. Access to my payment history and final statement I have proof of payment showing the transaction cleared my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have emailed them I have tried calling the office but its not but telemarketing agents the balance should have gotten down by now cause o referred to a payment plan with them so my amount should be very little by now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My wallet was stolen with all my credit cards, ID, social security card, debit cards and other items that have my personal information on it. So now the credit bureaus are reporting negative information on my credit reports.

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