vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — Conventional home 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: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
A few weeks ago, not sure exactly what day but, my ex husband called 21st mortgage to get information on my loan. He is NOT on the loan only the deed. I advised the company several times I was in a nasty divorce and to not speak to him or give him information. He advised me that he was told by the agent that released information to him about the loan and also gave him my company name where I work. I asked them to pull the call and they refused. I advised I will be getting an attorney as this is a serious privacy issue. This is a very scary situation as he is abusive and I am trying to hide from him. He knows knows where I work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-23 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My checking accounts with Citibank were closed and the funds were withdrawn, which I had no issue with as there were minimal balances. However, my savings account was also blocked with over {$50000.00} remaining in it. On XX/XX/, a withdrawal of over {$50000.00} was made from my savings account, but the funds were not sent to me. I was left with less than {$10.00} in the account, which remains blocked with no explanation provided by Citibank or Citigroup. I have not been contacted, nor have I received any written or verbal reasoning for these actions despite the substantial amount involved.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, Experian exposed credit scores via unsecured APIs. In XXXX, XXXX XXXX showed users others credit data. These breaches risked my identityplease investigate and ensure accountability. 

I am requesting the description of reinvestigation procedure according to 15 USC1681 i ( 7 ) states if requested by consumer, this must be in compliance with FCRA guidelines.

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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/25, {$1200.00} was mistakenly sent to my Bank of America joint checking account by my sons grandmother. She is almost XXXX and mixed up the amount with her mortgage payment. Only {$500.00} of the funds were intended for me to prevent eviction, and {$700.00} was meant to be returned to her. Unknown to me, the joint account was linked to my sisters overdrawn checking account, which had a negative balance of {$1100.00}. 

Bank of America immediately applied the deposit to cover that overdraft using right of offset, even though these were third-party funds sent in error. I contacted the bank and explained that I am currently unemployed, have a XXXX case pending, and am in a verified financial hardship. I asked for a reversal or partial restoration under their hardship policy and was denied. 

The bank claims I am fully responsible because I am on the joint account, but I believe it is unethical and potentially unlawful for them to seize third-party funds not intended to repay debt, especially in a clear hardship situation. 

I am asking for the CFPBs help to recover either the full {$1200.00} or the {$700.00} owed back to the original sender and to investigate Bank of Americas misuse of right of offset in this case.

I spoke with XXXX XXXX and my case ID 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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info I am not familiar with.

Please find attached copy of my ID, The FTC complaint, copy of the Equifaxreport showing my information being exposed in a national database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Incorrect Personal Information : My report includes outdated or completely incorrect addresses and phone numbers that I have never used or lived at. The report also includes incorrect variations of my name.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Incorrect Personal Information : My report includes outdated or completely incorrect addresses and phone numbers that I have never used or lived at. The report also includes incorrect variations of my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On or about XXXX of last year, our credit card with Capital One was affected. A third party individual accessed our profile from a mobile app and added a foreign bank account with XXXX  XXXX XXXX to our profile. He then proceeded to make a full payment of the balance owed. The payment was rejected due to insufficient funds or bad account. Capital One placed an immediate restriction on the account ending in XXXX and the other account ending in XXXX. I spoke with the fraud department and the restriction is placed as a result of this payment issue. The only way they are willing to resolve it is if I provide a bank statement from XXXX  XXXX XXXX showing authorization of payment. The problem is that my XXXX  and I bank with XXXX XXXX bank and we have never owned a bank account with XXXX  XXXX XXXX. Furthermore, bank policies will not allow me to request or obtain any bank records for accounts that I do not have ownership of. Essentially, the verification requirement of Capital One is impossible to comply with. We are victims of fraud and have also uncovered several other accounts that were similarly affected. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In each of these cases, payment were attempted to be made from a foreign account and rejected. Each bank reissued a new card and we changed our online profiles to avoid further fraud. Capital One is the only bank that is asking for something that they themselves know we can not provide. There has to be another solution to allow us to use our accounts. I am asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and 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 2025-06-23 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and 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 non-monetary relief
Consumer complaint received 2025-06-23 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: Westlake Services, LLC
State: AL

Complaint narrative:
I was a co signer for a car and I wont it off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Repossession and Inaccurate Payment History To Whom It XXXX Concern, I am writing to formally dispute the information being reported on my credit file regarding the above-referenced auto loan account with Bridgecrest ( formerly XXXX ). The current reporting reflects a repossession and inaccurate payment history, which I believe is incorrect and does not accurately reflect the accounts history. 

Specifically, I am disputing the following : Repossession Status This repossession is either reported in error or does not reflect the full and accurate context of the account 's status at the time.

Payment History Errors There are multiple entries showing missed or late payments that I believe to be inaccurate. I have attached available records, including payment confirmations and bank statements, which support my claim that payments were made on time or within any applicable grace period.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. I respectfully request that Bridgecrest : Conduct a full investigation into the reporting of this account.

Provide written documentation verifying the accuracy of the reported repossession and payment history.

Update or correct the information with all credit reporting agencies if it is found to be inaccurate or unverifiable.

If Bridgecrest can not verify the accuracy of the reported information, I ask that the account be corrected or removed from my credit report entirely.

Please respond to this request within 30 days as required by the FCRA. You may contact me via mail or email with any questions or if further documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of of identity theft 15 U.S. Code 1681 ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
This complaint is being filed to address unauthorized accounts that have been added to my credit report without my consent or knowledge. I did not initiate or approve these accounts. In accordance with USC 1681g, I am requesting that they be removed within 15 days. Attached are the documents necessary for review. Its also important to highlight that the reported information is inconsistent and incorrect across all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
I have submitted multiple disputes to Experian regarding negative accounts on my credit report, particularly related to student loans and other derogatory items. Despite my disputes, Experian has consistently marked the items as verified without ever providing documentation or evidence to support the verification. 

In XXXX, I experienced late payments due to a delay in deferment processing with my student loan servicer at the time ( XXXX ). Although I later entered deferment and notified the servicer of the paperwork gap, they refused to remove the late marks. These same late payments have since been carried over by future loan servicersXXXX  and XXXXand continue to be reported as if they were valid, even though they originated under a different company. I now have eight tradelines reporting instead of the original four, which has multiplied the negative impact on my credit profile. 

In addition, I have disputed other accounts and hard inquiries, but Experian never provides me with actual responses from the furnishers or evidence that the data is accurate. In past communication, I was told Experian works for their clientthe companies reportingnot the consumer. I find this troubling, especially when Experian fails to provide supporting documents but continues to report disputed information. 

This has gone on for years and has had a serious impact on my credit score, ability to qualify for reasonable credit, housing, and peace of mind. I am requesting that Experian stop verifying data without documentation, conduct a real investigation, and remove any information that can not be independently verified.

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