vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: OK

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I received an alert from XXXX that my XXXX XXXX had changed with at least one of the credit bureaus. It was a decrease of over XXXX points. 

When I checked my report, I saw a new mortgage had been added to the account. 

The account is with XXXX and the amount is the partial payment that was sent to XXXX from XXXX VA in XXXX of XXXX as a result of a loan modification. 

I never received notification from XXXX regarding this new mortgage, but I did receive a letter from XXXX around XXXX of XXXX. 

I called XXXX because I questioned why this mortgage was just now being listed on my credit account and why the date it was established is being reported as XX/XX/XXXX. XX/XX/XXXX is the month we signed the loan modification agreement. That's XXXX months BEFORE the VA sent the funds, and ten months BEFORE I was notified that we had a mortgage with XXXX. 

On XX/XX/XXXX, I spoke with a representative named XXXX to try to understand what was being reported on my credit report. He suggested a do a dispute in writing. I told him that I needed detailed information before I submitted a dispute. I was on the phone with him over 30 minutes. At least one time he gave me wrong information and admitted that, for some reason THE SYSTEM WAS PULLING UP SOMEONE ELSE 'S INFORMATION UNDER MY ACCOUNT NUMBER. He finally told me he couldn't provide me with the information I wanted and promised he would get with the loan processor to answer my questions.

I have left several messages and one day I spoke with a lady named XXXX. While I was on the phone with her, she said she was direct messaging XXXX, and that, " he'll call you back when he's done with his phone call ''. He never called back. 

I spoke with another representative. She reached out to XXXX and he was unavailable but she told me he said that he'll get back to me when he hears back from the loan processor. 

Today is XX/XX/XXXX. I have not received a call back. And, just like the last time I was trying to get information from XXXX, I was on hold recently, heard someone pick up the call, and then disconnect after they heard my voice. 

I am rebuilding my credit after XXXX violated several laws regarding my account ( see my previous complaint if you'd like more information : XXXX ). Those violations directly impacted my credit and my life. Therefore, it is important that they communicate with me and provide me with the information I requested. 

I reached out to XXXX. Their representative was very helpful. XXXX, she strongly encouraged me to demand the information from XXXX. Well, the only course of action that worked before was to file complaints with CFPB, BBB, and the Texas Department XXXX XXXX and Mortgage Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: CA

Complaint narrative:
It is Westlake Financial calling me about an auto loan debt. Ive spoken with then numerous times on a recorded line informing them that I am not able to pay it right now and that I can pay it when I have the money to. The lady I spoke to told me that they will keep calling me until they collect the debt which is fine but they call me over 6 times a day, from multiple numbers. The number I listed is the main number they call me from and is the same number Ive called them back on to please stop calling me at work. They do not listen or care and continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
I was given a XXXX giftcard for {$100.00}. I've tried to use it for purchases a few times and it never worked. I went to check the balance on XXXX and the mastercard website and both tell me something is wrong with the card. I typed the number in several times and am sure it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent information from my credit file pursuant to 15 U.S.C. 1681c-2, under the Fair Credit Reporting Act ( FCRA ). 
The account in question is as follows : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$570.00} Status : Charge-off I am a victim of identity theft and did not open or authorize this account Under 15 U.S.C. 1681c-2, a consumer reporting agency must block the reporting of information resulting from identity theft within four ( 4 ) business days of receiving appropriate documentation. A police report is not required under this section.

I therefore demand that you : Block and delete this fraudulent account from my credit file immediately. 
Provide me with written confirmation once the account has been removed. 
Send me an updated copy of my credit report reflecting this deletion. 
Please process this request as soon as possible and no later than four business days from receipt of this letter and supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-02 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
My account was closed by representative due to online fraudulent attempts and was unable to process account fund due to no physical card present and was told by representative1 # funds were to remain frozen upon opening a new account after 3 attempts of speaking with 4 representatives the 1st representative stated to transfer fund manually by requesting new card from HR with my employer which I did and was expired so I spoke to # 2representative which sent out a replacement new card for new account and card and told me to activate upon arrival XX/XX/XXXX ,2025 received new card expedited. And to call to activate new card and to call to unfreeze funds which takes 3 days # 3 told me to activate card and transfer would be made automatically thru my employer but also agreed funds would automatically be moved un frezzed to new account and all account numbers and routing numver would remaim same, upon checking and creating a new user ID and online password I noticed new account number and new routing number was different so I attempted to call customer service again for r th time and representative stated was unable to do a card to card transfer after waiting she stated she would send email to a team who handles card 2 card transfer to release funds it would take up to 24-48 hours to release, I need my funds released i always have online issues and account locked out issues I feel they people working in this company are the online scanners and something needs to be addressed ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against Credit Acceptance Corporation for continuing to report a debt as valid and past due, even though they had an opportunity to validate it in court and did not. 

In XXXX, Credit Acceptance filed a lawsuit against me in XXXX XXXX XXXX XXXX, XXXX XXXX Case No. XXXX. On XX/XX/XXXX, that case was dismissed without prejudice for want of prosecution. They never showed up to court and therefore never proved that I owed a legally enforceable debt.

I have submitted the official court-stamped dismissal order to both Credit Acceptance and XXXX. I have disputed this account multiple times. Yet Credit Acceptance continues to report the account as open, past due, and valid, which is inaccurate, unverifiable, and misleading.

A Credit Acceptance representative continues to call me by phone to say the contract is still valid and therefore they are allowed to report the balance, regardless of the court dismissal. Ive told her this is incorrect and that she is misrepresenting the legal reality. She refuses to document our conversations and insists on phone calls rather than official written responses. This is both unprofessional and deceptive.

I am not disputing that I signed a retail installment contract with a dealer in XXXX. What I am disputing is : Credit Acceptance filed a lawsuit over that contract They failed to prosecute it The case was dismissed They lost their opportunity to prove the debt They are now damaging my credit with unverifiable reporting This behavior violates the Fair Credit Reporting Act ( FCRA 1681i and 1681s-2 ) which requires information to be accurate, not misleading, and removed when it can not be verified.

I have also filed complaints against XXXX  for continuing to report this account despite being given the same court documentation. Neither party has conducted a proper reinvestigation. This ongoing reporting is not only harming my credit but causing mental stress, financial damage, and unnecessary hardship.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit is extremely important to me, and I have serious concerns about the inaccurate information currently appearing on my credit report. These errors are causing ongoing stress and have repeatedly led to denials when I apply for new credit.

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 2025-07-02 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-02 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-07-02 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 dont recognize these Address on my credit report and did not authorize. 
I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and my credit report showing the items that I dispute. [ Consumers should redact information fro

m both reports that is unrelated to the dispute with this company. ] Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. Enclosed are copies of [ use this sentence if applicable and describe any additional enclosed documentation ] supporting my position. Also enclosed is
a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. Please cease reporting this information to the CRAs, investigate [ this/these matter ( s ) ], and delete the disputed item ( s ) as soon as possible.

Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Sincerely,

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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 explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am filing this complaint against Experian for refusing to properly update my credit report, despite valid documentation showing both accounts were resolved. 

I submitted disputes with Experian for XXXX accounts : XXXX XXXX XXXX I attached official letters from both creditors showing the accounts were settled and have {$0.00} balances. These letters included account numbers and settlement confirmation. Despite this, Experian responded that they were unable to accept the proof with no valid explanation or path to resolution. 

These disputes were submitted on XX/XX/year> and XX/XX/year>, and I am under contract to close on a home. XXXX refusal to update these accounts even when provided valid, direct documentation is jeopardizing my XXXX  loan eligibility. 

I am requesting that Experian update these XXXX accounts immediately to reflect their resolved status or clearly explain, in writing, why the provided proof was rejected. 

I have attached the payoff letters for 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