vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint against IC System , Inc. for improper debt collection and credit reporting practices involving an alleged XXXX debt, reference number XXXX. 

Earlier this year, I disputed this debt in writing and requested validation under the FDCPA, 15 U.S.C. 1692g. I clearly denied owing this debt. IC System failed to provide legally sufficient validation and did not establish the accuracy, ownership, or enforceability of the alleged obligation. 

Despite this, IC System continued collection efforts by sending a threatening letter and furnishing the disputed account to consumer reporting agencies. Such conduct appears to violate FDCPA 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt. 

Furthermore, IC Systems decision to report this account after receiving notice of disputewithout first conducting a reasonable investigation or correcting inaccurate informationraises concerns under the FCRA, 15 U.S.C. 1681s-2 ( a ) and ( b ). 

* * cease desist demand : * * IC System must immediately cease all collection activity related to this account. 

* * Demand for Deletion : * * Because the debt remains unvalidated and inaccurately reported, IC System should be required to delete this account from all consumer reporting agencies. 

I respectfully request that the Consumer Financial Protection Bureau investigate IC Systems conduct and take appropriate corrective and supervisory action. I am prepared to provide supporting documentation, including my original dispute letter, IC Systems threat letter, and evidence of my credit report. 

Thank you for your attention to this matter. 

Sincerely, * * XXXX XXXX * * XXXX, NJ XXXX : XXXX Ic system ref # 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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
This is regarding the same issue I previously filed for XXXX XXXXk. I thought I would at least learn what efforts they went to in order to return my money, but they only offered their decision, which was that I authorized the Zelle transfer. However, Idid not knowingly authorize the transfer to a scammer. I would like this time to file this same complaint ( described in full previously ) to the owners/ managers of Zelle XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TRUIST FINANCIAL CORPORATION
State: MT

Complaint narrative:
On XX/XX/year> a company named XXXX XXXX XXXX posted XXXX charges that were not authorized to the Truist Credit Card Account I have. The amounts were for XXXX and XXXX. I contacted Truist about the fraudulent charges. XXXX XXXX XXXX stole information about me and tried to post credit card transactions on the same day to XXXX other banks ( XXXX and XXXX ) besides Truist. Both of those banks resolved those fraudulent transactions via a dispute process but Truist did not. Truist has spent several months not resolving this and didn't provide any updates on the dispute. Meanwhile I contacted Truist requesting that the credit card be cancelled so no more fraudulent charges could be made. They said they couldn't do that while a dispute is outstanding. While I was on the phone I asked if anything else could be done to prevent fraudulent charges and they said no. They sent a letter on XX/XX/year> creating a case number and saying they were going to investigate the dispute. On XX/XX/XXXX someone called Truist pretending to be me and tried to get the account balance paid through an external checking account with another bank. On XX/XX/XXXX I saw the transaction trying to be posted in the checking account and immediately issued a stop payment. I contacted Truist to find out why they did that. They said someone called at XXXX EST to authorize it on XX/XX/XXXX. We can produce phone records showing that didn't happen. While I was on the phone today I asked Truist what could be done to stop any more unauthorized transactions from being posted and they said that they can't stop fraudulent payment requests like the one on XX/XX/XXXX but this time they finally admitted they could put my card on temporary hold to stop any more credit card transactions from being posted. Afterwards I asked about the dispute status. I was on hold for a while and the customer service person finally came back and said an analyst rejected it. 

I need help. The people at Truist are allowing fraudulent payment requests to be initiated from their bank to my checking account without me requesting it. Secondly, they are required to provide in writing within XXXX days the status of a dispute. Their case number was created on XX/XX/XXXX, more than XXXX days ago. Finally there are ample documents that have been sent to Truist about the fraudulent charges to the account and there has been no reason given why they rejected the dispute.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I noticed an unauthorized transaction in the amount of {$400.00} was taken from my Cash App account. I did not authorize, initiate, or approve this transaction, nor did I receive any goods or services related to it. 

I immediately reported the transaction to Cash App as fraud. Despite submitting the dispute XXXX separate times, Cash App denied my claims and stated that the transaction was authorized by me, which is incorrect. I did not share my login information, PIN, or device with anyone, and I did not approve this payment. 

This transaction was completed without my consent and resulted in a financial loss of {$400.00}. I am formally disputing the charge and requesting reimbursement of the unauthorized funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Self Financial Inc.
State: LA

Complaint narrative:
On XX/XX/year> a company named XXXX have put a total of XXXX late closed payment on my credit report that I havent authorized. Ive never open a SELF account ever. XXXX also a victim of identity fraud. Id like this removed from my credit report as soon as possible. Its negative affecting my XXXX score. These marks do not reflect my actual payment history and are being reported in error. I have already attempted to resolve this with the credit bureaus, but the incorrect data remains. I am requesting a full correction of my payment history to reflect 'On-Time ' for these periods as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a formal dispute and notice of inaccurate information pursuant to 15 U.S.C. 1681i. You are reporting information furnished by XXXX XXXX XXXX XXXX and/or its subsequent assignees regarding accounts enrolled in a debt resolution program ( Contract XX/XX/year> ). 

THE FURNISHER IS IN ACTIVE VIOLATION OF FEDERAL LAW. 

XXXX ( a ) VIOLATION : The furnisher has failed to provide statutory validation of the alleged debts. 

XXXX ( XXXX ) VIOLATION : The furnisher is reportingor will reporta debt that is formally disputed without noting the dispute. 

UNLICENSED ACTIVITY : XXXX XXXX XXXX XXXX appears to be engaging in debt adjustment in XXXX XXXX without the required NYS Debt Collection Agent license and is not listed in NMLS Consumer Access. 

Your failure to accurately report this status and your reliance on a furnisher in per XXXX violation of the FDCPA breaches your own duties under the FCRA. 

VIOLATIONS OF YOUR DUTIES : XXXX ( b ) : Failing to follow reasonable procedures to assure maximum possible accuracy. 

XXXX ( a ) ( XXXX ) ( A ) : Failing to conduct a reasonable reinvestigation of information a consumer disputes.

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 2025-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been working with PHH Mortgage Corp for a loan modification since around XXXX of this year. I received approval for the modification in a letter dated XX/XX/XXXX. The letter laid out a plan to pay 3 trial payments for XXXX, XXXX and XXXX and if I met the required 3 trial payments, the modification would move forward. I complied and then proceeded to make the XXXX and XXXX installments. We were sent documents to sign and have notarized and return to the company by XX/XX/XXXX. We had a notary come to our home to complete the process. He overnighted the documents and we assumed all was well. When I called to make the XXXX payment, I was told that the documents would need to be resigned due to an error on the part of PHH in completing the signature page. We worked with a company called XXXX which PHH commissioned to have us resign the documents. XXXX returned the signed notarized forms to PHH. When I called to make the XX/XX/XXXX modified payment, I was told there was a problem. Many phone calls later, all recorded by PHH, I was told that the modification was cancelled since we did not return the documents on time. The problem was with PHH and XXXX. I need help getting the modification reinstated.

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 2025-12-24 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: FL

Complaint narrative:
I am complaining about Experians handling of a credit-reporting dispute involving an auto loan tradeline furnished by XXXX XXXX XXXX XXXX Experian is reporting multiple fields that conflict with each other and with documents I provided, yet Experian completed its reinvestigation and marked the tradeline as verified/unchanged.

Key issues : Contract term misreporting : Experian reports the loan term as 84 months, but the original Retail Installment Sales Contract is 72 months. I have not signed any contract modification that changes the term, and payment extensions do not change the original term.

Disaster coding conflicts : Experians tradeline shows the account as affected by a declared disaster for Oct 2024Nov 2024, but Experian continued reporting adverse payment history around that period without clearly applying or explaining how disaster reporting was handled, and still verified the tradeline. 
Delinquencies reported when payments were deferred : XXXX issued multiple payment extension notices deferring specific monthly payments. Experians payment history still reports 30/60/90-day delinquencies during some months that were deferred by those extension notices. A payment can not be delinquent if it was not due. 
Duplicate/illogical payment reporting : Experians balance/payment history reflects a single {$840.00} payment on XX/XX/year> being credited across two billing periods, which is a data integrity error that should not have been verified. 
I submitted a dispute to Experian with supporting documentation ( contract, extension notices, and XXXX  written final response stating its records were reviewed, the reported information is accurate, and no additional documentation will be provided ). Despite having this information, Experian verified the tradeline and continues routing me back to the furnisher, creating a circular process that prevents correction. 
What I want : Experian should conduct and document a lawful reinvestigation and either ( 1 ) correct the tradeline to match the contract and the extension/deferment history and properly reconcile the disaster coding, or ( 2 ) delete any information it can not independently verify for accuracy.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am filing this CFPB Complaint to report 3 separate accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of a data breach. These accounts include : 1. XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX 3. XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several hard inquiries and collections appearing on my consumer credit report. I demand that the aforementioned items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MS

Complaint narrative:
XXXX XXXX and XXXX overseas was using Cash App and had over {$400.00} in my account and suddenly I cant transfer it anywhere then locked my account and customer service will not sen my money back to my original bank account! Been on XXXX for over a month suddenly they decide to make my account non accessible without warning or disclosing that I shouldnt use it over seas. All I want is my money back in my original account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: MOHELA
State: CA

Complaint narrative:
I have attempted to call and then login multiple times. Using my valid Social Security info and other information to attemot to login. I have troubleshooted everythign and canot get through or obtain any information.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I discovered that Experian is reporting adverse, inaccurate, and unverifiable information on my consumer credit file after my personal identifying information was compromised in a known data breach affecting consumer reporting systems. 

On XX/XX/year>, I sent Experian a formal written notice of data compromise and dispute, advising that because my identifiers were exposed, any verification process relying on those identifiers is legally unreliable. In that notice, I specifically invoked Experians obligations under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 15 U.S.C. 1681i ( a ) ( reasonable reinvestigation ), and 15 U.S.C. 1681c-2 ( blocking of identity-theft-related information ). 

Despite receiving this notice and identity documentation, Experian continued to report the disputed tradelines without providing original source documentation, a lawful method of verification, or evidence of a manual reinvestigation. Instead, Experian relied on automated or boilerplate processes, which do not satisfy the FCRA or CFPB standards for a reasonable investigationespecially where the integrity of the consumers identifiers has been compromised. 

Because Experians systems rely on exposed identifiers, it can not certify the accuracy of the reported data. Continuing to publish this information has caused ongoing credit harm, including reduced creditworthiness and financial injury. 

In short, Experian failed to : Maintain maximum possible accuracy, Conduct a reasonable reinvestigation after receiving notice of dispute, and Delete or block unverifiable information connected to compromised identifiers, in violation of 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 2025-12-24 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: CA

Complaint narrative:
I discovered fraudulent 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
Equifax completed a reinvestigation of this account and reported that SUNRISE CREDIT SERVICES verified the account as accurate, however, no documentation has ever been provided to me proving that i owe this debt or that SUNRISE has the legal right to report it. 

I never received contract, account statements, or proof of assignment showing SUNRISE owns this debt. XXXX  has not disclosed the method of verification used. 

This violates the fair credit reporting act ( 15 usc 1681s-2 and 15 usc1681 ) and the fair debt collection practices 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 2025-12-24 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I opened a dispute with Chase Sapphire credit card for a duplicate payment, the mechant said they would like to refund the duplicate payment and attached a refund evidence with refund number, but Chase is not working on it and keeps closing my dispute on this issue. The final reason was it happened too long, my XXXX dispute was only 3 days post the transation, XXXX one was XXXX weeks from the trasaction, I don't understand why it was too long. Although mechant provided the refund proof, Chase still decided to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
On XX/XX/year> I got a call saying this person was from XXXX XXXX correctional facility and a friend had been arrested and needed bail money. I sent two different transactions, one for {$600.00} for bail and the second one for {$400.00} for ankle monitor ankle ankle monitor he had to have before being released. And the scammer ask for more money and I hung up called my bank XXXX and told them I was a victim of fraud and a scam. I also went to the local police department in XXXX and told them what. Had happened, they told me it was a scam. XXXX notified Zelle with whom I sent them money thru and I was denied reimbursement. I am requesting reconsideration and restitution. I was induced under false pretenses.

Company response to consumer: Closed with explanation