vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion reported a debt of {$4000.00} on XX/XX/year>2026 from an XX/XX/XXXX. Im not associated or familiar or have any knowledge that and I need it to released from my credit report

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
I opened a Discover secured credit card account in XX/XX/year> for the specific purpose of building positive credit history. This was a brand-new account, and the late payment at issue occurred on the first billing cycle after the account was opened. 

The minimum payment was missed unintentionally. As soon as I became aware of the oversight, I paid the account balance in full immediately and contacted Discover. I also enrolled the account in AutoPay to ensure that this would not happen again. The account has remained current since and has never carried an outstanding balance beyond that first cycle. 

I submitted a written goodwill request to Discover explaining that this was a first-cycle issue on a new secured credit card and asked for a one-time courtesy adjustment to remove the late payment reporting. Discover responded in writing that they are required to report accurate information and declined to make any adjustment, without indicating that the request was reviewed at a higher or discretionary level. 

I am not disputing the accuracy of the reporting. I am requesting reconsideration as a customer-service and goodwill matter. The continued reporting of a first-cycle late payment on a secured credit-building product is disproportionately damaging and undermines the stated purpose of the account, especially after the balance was paid in full and safeguards were put in place immediately. 

I am requesting that Discover review this matter through its executive or regulatory response team and consider a one-time goodwill removal of the initial late payment, or provide a detailed written explanation of why such consideration is being refused under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Improper Reinsertion and Inaccurate Credit Reporting Account : XXXX XXXX XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Companies Involved : Experian Information Solutions , Inc . 

I am filing this complaint regarding the improper reinsertion and continued reporting of a charged-off account originally issued by XXXX / XXXX XXXX Bank XXXX account ending in XXXX ). 

Prior to submitting this complaint, I have attempted to resolve this matter directly by sending written correspondence and disputes via standard mail and certified mail. Despite providing documentation and clearly identifying the inaccuracies, I have consistently received generic or form responses that do not address the specific issues raised, including the improper reinsertion and inaccurate creditor reporting. These prior efforts did not result in a meaningful investigation or correction, which is why I am now seeking CFPB assistance. 

XXXX XXXX XXXX XXXX XXXX  has already confirmed in writing to the CFPB that this account was charged off and sold, and that it is no longer the creditor and is reporting a XXXX balance. Copies of this documentation are attached. 

After prior disputes and investigations, the tradeline associated with this account was deleted. Despite this deletion, the credit reporting agency later reinserted the account under XXXX name without providing any certification of accuracy, notice of reinsertion, or evidence of a new reasonable investigation as required under FCRA 611 ( a ) ( 5 ). 

Reinserting this account under XXXX name is inaccurate and misleading because the furnisher has admitted it no longer owns or controls the debt. Reporting the account as a charge-off under the original creditor creates a false creditor identity and misrepresents the legal status of the account.

The credit reporting agency failed to maintain reasonable procedures to ensure maximum possible accuracy and failed to comply with reinsertion requirements under the Fair Credit Reporting Act. 

This complaint concerns only the actions of the credit reporting agency regarding improper reinsertion and inaccurate reporting. 
This complaint is being submitted directly by me, the consumer. I am not represented by any third party, credit repair organization, or outside agent in this matter. All correspondence, disputes, and documentation related to this complaint have been prepared and submitted by me personally. This clarification is provided to prevent any delay, mischaracterization, or improper refusal to address the substance of this 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 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Viva Finance Inc.
State: FL

Complaint narrative:
I refinanced a loan with Viva Finance in XX/XX/XXXX after previously making on time payments on an earlier loan. Payments were made in XX/XX/XXXX and XX/XX/XXXX, and neither payment was reported correctly. 

Despite this, Viva Finance began furnishing information to XXXX  showing the account as XXXX XXXX XXXX XXXXXXXX days past due. Based on the payment dates, this level of delinquency is not possible. A XXXX XXXXXXXX XXXX  XXXX day late status would require missed payments across prior billing cycles that did not occur. 

I disputed the inaccurate late payment reporting with XXXX XXXX responded by verifying the account as accurate and stated it relied on supporting payment history. However, the payment dates do not support the delinquency being reported, indicating that the information was not reasonably investigated or reconciled. 

As a result, inaccurate delinquency information continues to appear on my credit report even though it is not supported by the creditors own records. This has caused harm to my credit profile and required additional time and effort to correct information that should not have been reported in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently filed a case and Synchrony responded with Fraudulent information. They responded that I had signed a delivery document when I was not even home when this was delivered. 

I have proof that that living spaces had already acknowledge that I was not home when this was delivered and stated I had chosen a outdoor drop off no signature required and now the response from XXXX with Synchrony is stating living spaces provided proof that I received the item and that if FRAUD!!!! I was not home when this was delivered and I never signed this paper. 

I demand consumer protection and demand that this charge be removed and credited on my account ASAP before I file a civil and criminal case against you guys for not protecting me. 

See attached email from Living spaces that states they left the items with no signature required. and today I received a signed document that was fraudulently signed NOT by Me.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

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

Company 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 2026-02-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-02-05 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I am unable to log in to my Robinhood account ( despite using the correct email/password combination ) and therefore can not access customer support through in-app chat. My repeated attempts to contact support via email result in automated responses instructing me to log in, which is not possible. 

This issue affects my access to banking features and funds. I am requesting immediate assistance to regain account access and speak with a human representative. 

XXXX has not provided a reasonable way to resolve this issue despite multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I dispute any inaccurate or fraudulent information appearing on my consumer credit report. Under the FCRA, consumer reporting agencies and furnishers are required to investigate disputed information and delete or block information resulting from identity theft. 

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ) and 15 U.S.C. 1681c-2, I request that any information resulting from identity theft be blocked from my credit file and that I not be held liable for fraudulent accounts or transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Intake / Consumer Response Hello, I am filing a debt collection complaint against Midland Credit Management ( MCM ) regarding repeated/wrong-party contact and an attempt to obtain sensitive identifying information by phone. 

On XX/XX/year> at approximately XXXX, I received a call from Midland Credit Management ( MCM ) at XXXX ( XXXX ) XXXX. The caller asked for my date of birth in connection with a Rooms To Go account. I advised the caller that I have never owed any Rooms To Go account and that they had reached the wrong person. I requested that they explain why they were calling my number, how my name/number was associated with any alleged account, and to verify the basis for contacting me. I did not provide my date of birth or any other sensitive personal information. 

Based on the nature of the call, I am concerned this may be an improper identity verification or fishing attempt ... contacting people who share my name and asking for a date of birth to confirm identity ... despite no valid relationship or debt being owed by me.

During the call, I clearly requested that MCM stop contacting me. After ending the call, I proactively contacted MCMs headquarters/customer service and again demanded that my phone number be removed from any database or contact list associated with this matter and that I not be called again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I dont have exact dates. But they have record of all of this. We called them approximately over a month ago and requested a new analysis and a refund because we have thousands of extra dollars in our escrow after paying our property taxes and homeowners insurance. ( We knew this was going to happen a year ago, contacted them, had our home insurance company contact them too, but they did absolutely nothing. ) When we called, we were on the phone for an exorbitant amount of time and they also hung up on us. But we called back and they promised to address these issues.

We have not received the analysis or refund yet. For three weeks straight I asked for assistance in their online portal ( I obviously dont want to call them again ) and it tells me we will hear from them in the next few days. I did this once a week three times-the last time was over a week ago.

We are being overcharged, we need a refund, and they are ignoring us.

I really wish there was a way to get a new loan servicer without getting a new loan. These people are incompetent and unaccountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am not a customer of Synchrony Bank. I am being contacted regarding an account I did not open, receiving emails/statement showing the outstanding balance on the Synchrony/Amazon card . I reported this as identity theft. Synchrony Bank is refusing to investigate or correct the issue unless I provide my Social Security number, which I do not consent to provide to a bank with which I have no relationship.

I am requesting that Synchrony Bank investigate the fraud, cease collection and reporting, and correct any inaccurate credit reporting without requiring my SSN.

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 2026-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OH

Complaint narrative:
My cash app account was randomly closed in XXXX. When I inquired multiple times as to why it was closed I was only provided the terms and conditions and told to file a dispute. I filed several disputes and not a single person reached back to me. I even asked what I was supposed to be reading in the terms and conditions because if I didn't violate anything I won't know what it is I'm supposed to be looking for. No one was able to provide a legitimate explanation and this has inconvenienced me so bad because I need to receive money for financial help I have to have sent to other people 's cash apps, then it's still hard for me to get access to the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I made a huge payment in XXXXXXXX XXXX XXXX  and the funds were misapplied causing my interest to keep growing. 

Also the customer service reps are not trained properly and have no idea what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint to alert regulators to a serious institutional failure involving a large banks third-party intake controls, reliance vetting processes, and safeguards governing the release of sensitive consumer financial information.

The bank accepted and acted upon directives from an external entity that was later determined through federal proceedings to be a criminal enterprise. The individual presented as the responsible professional associated with that entity was subsequently disbarred following findings of massive client fund misappropriation affecting tens of thousands of consumers and totaling hundreds of millions of dollars.

Despite the nature of this entity and the absence of any verified consumer-facing execution, the bank relied on the third partys submission to alter internal account handling and to permit external involvement with private financial records. The banks systems treated the submission as legitimate without meaningful validation, exposing consumer data to an entity that was neither trustworthy nor lawful.

This complaint is not about correcting records, disputing transactions, obtaining documentation, or resolving a customer service issue. It concerns whether the banks internal controls are sufficient to prevent unauthorized third-party intrusion, particularly when obvious red flags exist regarding the legitimacy of the outside party.

The fact that a federally regulated financial institution relied on an entity later judicially described as criminal raises significant concerns about the banks third-party risk management framework, escalation protocols, and safeguards designed to prevent unlawful access to non-public personal information.

Company response to consumer: Closed with explanation