vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-08-12 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I was trying to buy a house and realized that I had damages on my according to 15 ifs 1681c-2 there should not me any damages on my credit report it is a declamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
Experian TRANSUNION AND EQUIFAX FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Violation Fraudulent Account Previously Deleted Without Required Certification or Notice I am a victim of identity theft. Experian previously deleted a fraudulent XXXX  account ( Acct # XXXX ) from my credit file. The account has now been re-inserted without notice or certification from the furnisher, violating FCRA 611 ( a ) ( 5 ) ( B ). The law requires that before reinsertion, Experian must ( 1 ) obtain a certification from the furnisher that the information is accurate and ( 2 ) notify me within 5 business days with the furnishers contact details. Neither was done. I have already provided Experian with my passport, Social Security card, and CFPB complaint IDs proving the account is fraudulent. This reinsertion has harmed my credit and caused emotional distress. I request immediate removal of the account, full verification documentation, and written assurance it will not be reinserted again without legal compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I had to change my XXXX XXXXXXXX XXXX  card twice due to fraud since my information is so inaccurate my bills are going anywhere out of these 14 addresses! I eventually had to get a whole new account and new routing number for my XXXX XXXX checking account- to no avail. Theft kept happening. XXXX XXXX denied all three claims. Just recently they sent me a check for {$60.00} since I was consistent in my efforts of assuring them I was the only account holder no one else had authorization to use my account nor did anyone know my pin ( which XXXX XXXX claimed must have happened to dismiss reimbursing me! ) I ended up closing my savings and checking accounts. I am in the process of closing my XXXX XXXX credit card as well I just paid the {$12000.00} balance but they told me I needed to call to close it and working full time and going through a divorce with XXXX kids and MASSiVE identity theft and complete negligence and inaccuracy showing up everywhere is frightening. My credit score has dropped about XXXX points due to this error that has opened the door to an invasion of privacy and theft. They also hacked INTO my experience account, my SS account my trust fund asset accounts through ftci. This needs to be remedied. There are so many outlandish charges. Some I dont even have access to since I am going through a divorce. 
Theft so far only six months damage $ 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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I made several purchases with XXXX  an online gaming app. The total was {$600.00} in disputed transactions. The app and payment processor recently introduced a XXXX  restriction and has disallowed ny residents to use the app or platform. I cant even log into my account to do the in app customer support their only option so I disputed with chime bc the transactions were on my chime card. Chime was notified XX/XX/year> and they still havent completed the investigation or contacted me for anymore info. I provided screenshots of the apps new policy barring access to the platform for anyone is XXXX and other restricted territories. Chime told me the investigation can take XXXX days and the transactions arent eligible for a provisional credit according to XXXX XXXX Also I tried to cancel the transactions while the were pending once I realized I was locked out of XXXX  account and chime said it could not be done the also told me that I cant dispute or report the transactions until the are completed and change from pending to complete which is bs bc they are supposed to start investigating the transactions as a I notify them of potential errors. I really cant be without this money its {$600.00}. I know the merchant will not dispute the chargeback XXXX has a community ab my residents locked out of their gaming account and what they did to receive their player balances or deposits made but blocked from accessing. They all did a chargeback and received funds from the merchant bit I know chime wont even attempt to do a charge back bc they are lazy XXXX that have outsourced customer support to a country that hates Americans and they enjoy making me auffer without my money that a brick and mortar bank would have credited me immediately. XXXX are the ones that asked to provide customer support and dispute resolution on behalf of XXXX XXXX  they actually have a policy prohibiting XXXX from providing any support if contacted by a customer directly. So y are they allowed to literally do the XXXX  job a customer could ever XXXX a bank could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX : Account opened ; portal showed no payment due, blocking autopay setup. 
XXXX XXXX XXXX  : No periodic statements were mailed or delivered to me. 
XX/XX/XXXX : I paid {$220.00} in full ( two payments posted by TD ). 
XX/XX/XXXX : My XXXX score dropped XXXXXXXX XXXX  ( XXXX ). 
XX/XX/XXXX : TD issued a {$40.00} courtesy credit yet refused to correct reporting. 
XX/XX/XXXX & XX/XX/XXXX : Auto-loan denials ( XXXX, XXXX ) citing this derogatory tradeline. 
TD later migrated/decommissioned legacy portals in XX/XX/XXXX and XXXX Financing was discontinued ( last day to use : XX/XX/XXXX ). 

Why its unlawful : ( 1 ) Reg Z 1026.7 & 1026.13 ( a ) ( 7 ) : A periodic statement must be furnished each cycle ; failure to mail/deliver to the last known address is a billing error. 
( 2 ) Reg Z 1026.13 ( d ) ( 2 ) : During a billing-error investigation, a creditor may not report an amount/account as delinquent due to nonpayment of the disputed amount. 
( 3 ) E-SIGN Act 7001 ( c ) : If TD relies on e-delivery, it must have affirmative consent obtained/confirmed electronically in a manner demonstrating the consumer could access the disclosuresTD furnished no such record. 
( 4 ) FCRA/Reg V 1022.43 : As a furnisher, TD must reasonably investigate direct disputes and correct/delete inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: IN

Complaint narrative:
These accounts are being reported in my name without my authorization or knowledge. I have never applied for, opened, or managed them, and their presence on my credit report is inaccurate and misleading. 

I take the accuracy of my credit profile very seriously and require immediate clarification as to why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate, outdated, and incomplete information that continues to appear on my credit report despite my prior disputes. These errors negatively impact my ability to obtain credit and do not accurately reflect my true credit history. 
The Fair Credit Reporting Act ( FCRA ) was enacted to ensure fairness, accuracy, and privacy in credit reporting.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
As of XX/XX/XXXX I purchased {$1000.00} worth of an asset that was & still currently tradable on Base app as of XX/XX/XXXX. I can not withdraw my funds or send to another wallet because they say it's a duplicate XXXX token. If it was so why is it still able to trade? If so why does it mention a base asset? If they know it's a scam why isn't it taken down for safety? I would like my refund of the amount given. The trade was XXXX  swapped with XXXX. I have the hash IDs for transactions & all of my screenshots. I'm have a coinbase ONE subscription so I should be covered for insurance of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed inquires that do not belong to 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 2025-08-12 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: SC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX  inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am the borrower on XXXX XXXX. XXXX with PHH Mortgage. I am represented by attorney XXXX XXXX XXXX, XXXX. of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX. 

In XXXX, I successfully completed a trial loan modification with PHH and have remained fully current on my mortgage since that time. Prior to the trial modification, PHH regularly accepted my monthly payments via ACH/bank draft from my bank account. 

After I completed the trial modification, PHH unilaterally and without contractual basis refused to accept my ACH/bank draft payments. PHH now requires me to use XXXX as the sole payment method, which costs me {$70.00} per transaction ( a third-party fee ). While that {$70.00} fee is charged by XXXX, PHHs refusal to accept reasonable, fee-free payment methods is creating unnecessary financial hardship. 

In addition to blocking ACH payments, PHH has been generating false payment receipts showing that my monthly mortgage payment has been processed, when my bank statements clearly show that the funds were never withdrawn from my account. This creates the false impression that my account has been credited when in reality it has not.

This conduct : Violates RESPA ( 12 C.F.R. 1024.38 ) requiring servicers to maintain reasonable payment acceptance procedures. 
Violates TILA ( 12 C.F.R. 1026.36 ( c ) ) requiring accurate account statements.

Breaches the modification agreement I earned by completing my trial period. 
Constitutes an unfair and deceptive business practice, especially as I am a XXXX  borrower on a limited income and the unnecessary costs reduce my ability to afford medication and essential expenses.

I have supporting evidence, including : Proof of trial modification completion Proof of prior ACH payment acceptance XXXX receipts and fees paid Copies of PHHs false payment receipts alongside bank statements showing no withdrawal of funds Numerous recorded phone calls ( retained for quality control purposes ) in which PHH representatives confirm or discuss these issues these recordings will be provided to support my claims. 

I sent PHH a RESPA Notice of Error on [ insert date ] demanding that they : 1. Reinstate ACH or another fee-free payment option.
2. Cease the creation of false payment receipts.

3. Stop improper payment restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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