vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/year>, I was held at gunpoint in XXXX and forced to make several transactions with my SchoolsFirst FCU debit card. I immediately reported these transactions as fraud. SchoolsFirst initially credited my account for the disputed amounts.

Without warning, SchoolsFirst reversed those credits back onto my account. I received no email or online notice, and no mailed letter has arrived, even though my account is set for paperless communication. When I called, they claimed a letter had been mailed, but I have never received it.

SchoolsFirst said my claim was denied because I did not file a police report in XXXX. However, I did not feel safe doing so because I believed law enforcement might have been involved in the robbery. SchoolsFirst has refused to reinstate my credit, saying they do not believe my claim.

I believe they violated my rights under Regulation E because : They reversed the provisional credit without proper written notice or explanation as required under federal law and their own account agreement.

They ignored the circumstances of duress and my safety concerns about reporting the crime locally.

I have suffered financial hardship as a result. I want my money returned and the reversal removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
XX/XX/year> my SOFI debit card was stolen and used. There are attached police reports confirming the theft and unauthorized use of my card caught on film. The person who used my card was XXXX  female I am XXXXXXXX XXXX XXXX female. I have attached my ID which I know I not supposed to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management
State: TX

Complaint narrative:
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 Failure to adhere to the widely accepted industry standards is completely unacceptable. It appears that you are not following the rules, which damages the credibility of credit reporting. There is an urgent matter at hand. Kindly eliminate these errors as soon as possible to rebuild trust in your reporting proceduresXXXX 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 I respectfully ask for clarification on how you maintain compliance, considering the repercussions of reporting errors and the stringent requirements, including those set forth by the FCRA. The system's integrity depends on your compliance with these guidelines. It is necessary to eliminate every entry from my report if any discrepancies are discoveredXXXXAccount#: 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 In addition to being recommendations, the XXXX XXXX XXXX 4 guidelines are necessary requirements that ensure reporting. Finding out that there have been departures from these standards during your oversight is alarming. Please resolve this matter and remove any errors from my report as soon as possible."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
They refused to provide an Amortization Schedule. Even though the representative I spoke said the information was available to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am a victim of identity theft. Several fraudulent or unauthorized accounts were opened or misused in my name without my knowledge or consent. I filed an official FTC Identity Theft Report ( # XXXX ) and submitted it to the credit bureaus under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which requires them to block or remove the disputed information within 4 business days. 
The following accounts are at issue : XXXXXXXX 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 XXXXXXXX Charged-off account XXXX {$1500.00} reported Despite multiple disputes and supporting documentation, Experian has failed to remove these accounts from my credit report. These inaccuracies are harming my credit score and financial standing. I am requesting CFPB enforcement to compel Experian and the creditors listed above to : Fully investigate and comply with FCRA, Permanently remove or block all disputed information, and Confirm in writing the correction of my credit file. 
Ive attached my FTC Identity Theft Report, credit report, and supporting evidence for your review.

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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to add {$100.00} to my Cash App account from my XXXX XXXX checking. The transaction initially posted, then immediately failed with an insufficient funds message, despite my bank still showed the {$100.00} withdrawn. After waiting several days with no refund, and many efforts to contact Cash App support, I filed a dispute with XXXX XXXX. On XX/XX/year>, XXXX XXXX re-credited my account {$100.00}. On XX/XX/year>, I then re-sent the {$100.00} to Cash App, but Cash App debited my account again. Cash App support had explained to me that it was reversing the funds because Id filed a claim with my bank. They have not returned the {$100.00} and instead said that this problem is for XXXX XXXX to fix, despite them already have crediting me the money. I am now out {$100.00} through no fault of my own and need Cash App to restore these funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consuner Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-debt Final Rule 1002.142 ( b ) ( 4 ) -5- 1002.142 ( b ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accountsXXXX 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

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There was a credit card opened without my knowledge and I have been asking them to remove this inaccurate information from my credit for years now. Also to send me copies of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im contacting you regarding an account currently showing on my credit report that is completely inaccurate and not mine. After reviewing my report carefully, I noticed that this account has absolutely no connection to me, and I need it to be corrected immediately. 

From what I can tell, this is a case of mixed or misreported information, and it is now affecting my credit profile in a way that is both unfair and unacceptable. Whether it was reported in error or linked to my file due to a data entry mistake, the bottom line is this : I have no affiliation with this account, I did not open it, and I have no responsibility for it. 

This kind of reporting not only violates the standards of accuracy outlined under the Fair Credit Reporting Act ( FCRA ), but its also actively harming my ability to maintain a healthy financial standing. Under Section 607 ( b ) of the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. That standard is clearly not being met here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Dispute of Inaccurate Collection Account Related to Canceled Insurance Policy Dear Consumer Financial Protection Bureau, I am filing a formal complaint against CREDIT COLLECTION SERVICE being reported on my credit file that I believe to be inaccurate and unjustified. 
CREDIT COLLECTION SERVICES is currently reporting a negative account related to a XXXX XXXX policy. However, I had previously canceled my policy with XXXX XXXX and was no longer a customer at the time the alleged balance was incurred. I have contacted CREDIT COLLECTION SERVICE directly and provided them with proofa valid insurance card from another insurerdemonstrating that I had active coverage with a different company during the time in question. 
Despite my efforts and the evidence I submitted, this account continues to appear on my credit report and is damaging my credit history. This reporting violates the Fair Credit Reporting Act ( FCRA ), which requires that all furnished data be accurate and verifiable. 
I am requesting that the CFPB investigate this matter and compel the collection agency to remove or correct this inaccurate account immediately. I have attached the relevant documentation, including a copy of my insurance card and correspondence to the collection company, to support my claim. 
Thank you for your assistance in protecting my consumer rights and ensuring fair reporting. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan provider is NewRez, who acquired my loan after I had refinanced my home. I have always been current with my mortgage payments and overpay every month. 

This year, XXXX, my house XXXX XXXXe and my insurance company provided me funds to rebuild my home. NewRez must countersign checks as we own the home together. I sent a signed copy of the check from my insurance company XX/XX/year> via certified mail. It is now XX/XX/year> and I still do NOT have the counter-signed check, nor any funds to start the rebuild process. 

I uploaded all of the requisite documentation for them to their document portal ( including the claim report from the insurance company, XXXX separate quotes from XXXX XXXX, and a generic Waiver of Lien to be included in the XXXX from XXXX of the XXXX XXXX ); ordered an inspection for them to have their own inspector photograph the property; called into NewRez roughly XXXX times to obtain the status of the insurance payment as work can not begin without. 

As of XX/XX/year>, I still do not have any funds from NewRez and they have indicated they are holding ~ {$2000.00} of the funds as they have a policy that any repair costs over {$40000.00} they retain ( see : https : //www.newrez.com/blog/disaster-relief/how-to-file-an-insurance-claim-if-your-property-is-damaged/ ). This was not part of the language of my mortgage agreement and imposed for reasons that are unclear. 

NewRez Loss Draft division, responsible for co-signing the checks for rebuilding a home, is targeting customers that have suffered a loss due to a XXXX XXXX XXXX XXXX XXXX XXXX and deliberately causing additional hardships. It is more than just bureaucracy of a large organization. 

If the individuals they have both staffing their phones or issuing letters from the Loss Draft division are unaware of the requirements listed in documentation for claim handling. In order to finally get a definition of the " Waiver of Lien '' document they requested, I had to go through their sales division, requesting a refinance of my loan in order for someone to provide me with a definition of what they were asking for. 

NewRez is targeting customers that experienced a loss and causing much more harm to them in order to get them to default on their loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am a victim of identity theft. A fraudulent checking account was opened in my name at XXXX  XXXX XXXX without my knowledge or authorization. I only discovered this after reviewing my ChexSystems report. I did not apply for this account and have no relationship with XXXX  XXXX XXXX regarding it. I submitted a formal identity theft report to the FTC and am requesting that this unauthorized account be removed from my consumer file with ChexSystems.

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 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from The Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me do to XXXX XXXX debt bondage, which fails under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following 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

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 2025-07-03 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: VA

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 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