vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: NY

Complaint narrative:
On XX/XX/XXXX I sent the IRS a paper 1040 form for the year XXXX to take advantage of the last chance to receive the stimulus payment. 
I checked the status of my refund with my IRS account on XX/XX/XXXX and there was a post with a statement showing my stimulus payments were issued. 
I called the IRS to tell them I never received the payments. The agent went into my records verifying the stimulus amounts were sent. 
A trace was initiated and a letter confirming the refund was deposited to a account with Comerica Bank on XX/XX/XXXX. 
Comerica issues the XXXX XXXX debit card. I have an open account with XXXX XXXX which I used for Social Security benefit deposits. 
When I called XXXX XXXX to inquire on my deposits I was unable to connect with a live agent. Every attempt even with the option of lost card ended with the automated response that my pin needed to be reset. After giving my card number, date of birth and social security number the system required my pin on the back of my card to reset. I lost my card and couldn't provide the pin and that ended the call. 
Without my pin I can not proceed. 
I've exhausted all attempts by phone and need help getting to speak to a representative of XXXX XXXX to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: LA

Complaint narrative:
I am a victim of identity theft. Under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX ( FCRA XXXX ), I am exercising my rights to block and remove all information resulting from identity theft. My consumer credit file contains unauthorized inquiries that I did not initiate, authorize, or permit. These inquiries were made without my consent and are the direct result of fraudulent activity. 

I have provided the required Identity Theft Report from the FTC, along with proof of identity and address. Despite this, the credit reporting agencies and/or data furnishers have continued to report these unauthorized inquiries, which is a violation of my rights under XXXX. 

I am requesting that these inquiries be blocked from my file immediately and permanently, and that the furnishers of this data be notified as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
XXXX  notified me that my account was being closed and instructed me to sell all my cryptocurrency into XXXX and withdraw the balance to my linked bank account. I complied with these instructions, but I have been unable to withdraw my funds for over 2 weeks.

Each time I attempt to withdraw, XXXX  requires me to relink my XXXX XXXX  account through XXXX. The connection is successful on XXXX  end, but XXXX  fails to process the withdrawal and continually requests reauthentication. This has left my money trapped on their platform. 

I have contacted XXXX support multiple times ( Ticket numbers : XXXX ) and only receive generic responses that they are investigating. No resolution has been provided despite repeated attempts. 

I am concerned that XXXX  is unlawfully restricting my access to my own funds. I am simply trying to comply with their directive to withdraw. This delay is unreasonable and XXXX constitute a violation of consumer protection and financial services regulations. 

I am requesting that XXXX  immediately release my funds to my XXXX XXXX  account or provide an alternative withdrawal method ( such as wire transfer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 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.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX BANK XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 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: TN

Complaint narrative:
I am formally disputing the accuracy and reporting compliance of the following accounts that appear on my Equifax credit report : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX Mortgage Account Ending XXXX These accounts are being reported with derogatory or negative notations. I assert that they are inaccurate, incomplete, and not in compliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) Metro 2 reporting guidelines.

Legal Grounds for Dispute 15 U.S.C. 1681i Requires Equifax to conduct a reasonable reinvestigation of disputed information and delete or correct inaccurate, unverifiable, or incomplete data.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S.C. 1681e ( b ) Mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy. 
FCRA 605 ( c ) ( 1 ) Restricts reporting of obsolete information.

Metro 2 Compliance Standards Require accurate, consistent, and complete reporting. Misreporting of account statuses ( such as payment history, late codes, balance accuracy, or credit utilization over 100 % ) constitutes non-compliance. 
Specific Issues with the Accounts XXXX XXXX XXXX XXXX XXXX shows credit utilization of XXXX XXXX  which exceeds the account limit and is mathematically inconsistent. This indicates a reporting error or violation of Metro 2 standards requiring accuracy in Credit Limit and Balance fields. 
XXXX XXXX  : Account is flagged as XXXX days late ( XXXX instances ) while also showing as Current. This is contradictory and fails Metro 2 requirements for accurate payment history coding. 
Required XXXX I demand the immediate deletion of these negative accounts from my Equifax credit file if they can not be fully verified and corrected in strict accordance with FCRA and Metro 2 Compliance standards. Failure to do so constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, for which Equifax may be held liable in civil action. 
Please provide me with the results of your reinvestigation within the 30 days required by law. If Equifax fails to delete these unverifiable and inaccurately reported accounts, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and take further legal action as necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
Unlawful Debt Collection, Credit Reporting, and HIPAA Violations by MCA Management Company To Whom It May Concern, I am submitting this complaint against MCA Management Company ( XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). 

MCA is attempting to collect and has reported to the credit bureaus a medical debt of {$500.00}. The original bill from XXXX XXXX XXXX XXXX is only {$240.00}. It appears MCA deliberately inflated the amount to exceed the {$500.00} threshold, since medical debts under {$500.00} are not permitted to be reported to consumer credit bureaus. 

This is a fraudulent, deceptive practice in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). In addition, MCA publicly disclosed protected health information ( a XXXX  ambulance ride ) in a XXXX response, which violates HIPAA.

Fair resolution requested : Immediate deletion of this derogatory entry from all consumer credit reports.

Investigation into MCAs practice of inflating debts to bypass the law.

Full validation of the debt ( original creditor, signed agreement, chain of title, itemized billing ). If validation can not be provided, close the account.

Cease and desist all collection efforts.

Referral of HIPAA violations to the appropriate enforcement authorities. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-18 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - Opened XX/XX/XXXX With a balance of {$820.00} There is also a fraudulent inquiry with - XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
I have been paying 1/2 payments 2 times a month for XXXX years. it has always gone into a suspense account and when the second payment was received it would then cover my monthly payment. THESE terms were agreed upon by the company on several occasions. WITHOUT NOTICE the company changed the way they receive payments and any time I send a XXXX payment they automatically put it towards principle. I then have to call and get it reverse so I can continue to pay the way I agreed to under the terms. I have asked for my original loan documentation and have been refused stating that they do not have the original information. PHH Mortgage escalation manager XXXX then told me the new logic could not be changed due to the federal agencies XXXX XXXX making the logic stipulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: FL

Complaint narrative:
ACI-US attempted to collect a {$110.00} XXXX debt that was already reversed. I mailed a formal FDCPA dispute letter on XX/XX/year>, requesting validation and record deletion. I followed up via email on XX/XX/XXXX and mailed additional packets on XX/XX/XXXX and XX/XX/XXXX. Despite these efforts, ACI-US did not respond in writing. 

On XX/XX/year>, XXXX reversed the charge, confirming the debt was not owed. I sent a final follow-up email to ACI-US on XX/XX/XXXX requesting written closure and confirmation that no credit reporting would occur. ACI-US has remained non-responsive.

I am requesting CFPB assistance to ensure ACI-US confirms closure, ceases collection activity, and complies with FDCPA requirements.

Company response to consumer: Closed with explanation