vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — VA 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:
Hello, I am reporting mortgage/servicing fraud tied to XXXX and identity abuse. 
I am a XXXX  victim. I did not have the ability or capacity to consent to any mortgage or related credit obligations opened in my name. 
I notified Newrez that the account was opened fraudulently and that my name and marital status were falsified ( a false marriage/name was used ). 
Despite written notice, Newrez refused to correct the records, refused to assist, and continued making changes and servicing activity that strap me to a debt I do not owe. 

This conduct violates or implicates : RESPA ( 12 U.S.C. 2605 & Reg. X ) failure to properly respond to a qualified written request/error resolution and to correct servicing errors. 
TILA ( 15 U.S.C. 1641 & Reg. Z ) servicing/assignment duties and accuracy.

FCRA ( 15 U.S.C. 1681c-2/1681s-2 ) failure to block/flag identity-theft information and furnish accurate data. 
Mail/Wire Fraud concerns where documents were transmitted with false identifiers.

What I requested from Newrez ( and still need ) : 1. Immediate fraud flag on the account ; cease all collection, billing, credit reporting, and foreclosure activity.

2. Validation package : full application file, IP and submission logs, e-sign audit trails, any wet-ink signed documents, notary pages, closing package, and chain-of-title/assignments.

3. Correction of my legal name ; removal of any false spouse information ; acknowledgement that no consent was given.

4. FCRA 605B identity-theft block and deletion of any tradeline furnished to CRAs.

5. Written confirmation within 30 days o
f the corrective actions.

Related law-enforcement / regulator case numbers already filed ( establishing a pattern of fraud and coercion ) : XXXX XXXX XXXX XXXX XXXX ( investigator assigned ) XXXX XXXX : XXXX ( investigator assigned ) XXXX XXXX XXXX XXXX XXXX IRS ( fraudulent return ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX SSA identity reversion/marriage fraud : corrected XX/XX/year> FTC reports : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( mail theft/tampering ) : XXXX, XXXX, XXXX FCC complaints ( account/phone hijacking ) XXXX XXXX, XXXXXXXX XXXX XXXX case opened DCS ( child services ) : investigation opened

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 2025-08-23 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: ME

Complaint narrative:
I

am submitting this complaint regarding multiple inaccuracies on my Experian credit report that have caused significant harm to my creditworthiness and personal financial standing. Despite my efforts to resolve these issues directly with Experian, the inaccurate information remains on my report, and it continues to affect my ability to obtain credit and conduct financial transactions. First, my credit report lists an address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, which has never been associated with me. I have never resided at this location, and its presence on my report creates a risk of mistaken identity and potential fraudulent activity being attributed to me. Reporting inaccurate addresses violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit reporting agencies to ensure that all reported information is accurate.

Additionally, my report shows a collection account, XXXX XXXX, opened on XX/XX/XXXX with a {$0.00} balance. I never received proper notice regarding this collection, and its inclusion is inaccurate. Reporting unverified collections constitutes a violation of FCRA 1681i ( a ) and 1681s-2 ( b ), which require proper investigation and accuracy from both the reporting agency and the furnisher. This false reporting misrepresents my financial history and negatively impacts my credit profile.

My report also lists a late payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, with a {$0.00} balance. This late payment is incorrectly reported and does not reflect my actual account activity. Reporting inaccurate late payments violates FCRA 1681i ( a ) and 1681e ( b ), which mandate that disputed information must be verified and that credit reporting agencies maintain maximum possible accuracy.

Finally, an inquiry from XXXX XXXX XXXX , dated XX/XX/XXXX, appears on my report, which I did not authorize. Unauthorized inquiries violate FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), which limits access to consumer reports to permissible purposes only. This unauthorized inquiry misrepresents my credit activity and has negatively impacted my credit score.

These inaccuracies collectively have caused undue stress, potential financial loss, and damage to my credit reputation. I request that the CFPB forward this complaint to Experian for a full investigation and that each disputed item be either verified or removed. I seek confirmation that my credit report will accurately reflect my true financial history and that all unverified, incorrect, or unauthorized information will be corrected or deleted.

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 2025-08-22 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: MN

Complaint narrative:
I am refiling this complaint because Experian continues to mishandle multiple tradelines by ignoring the legal issues I raised under the Fair Credit Reporting Act and Metro 2 compliance. In my prior complaint, Experian mischaracterized my filing as a simple accuracy dispute. That is false. This is about unlawful reporting of excluded and incomplete information. 

Accounts in question include : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX ) paid/closed in XXXX, still reporting derogatory late payments. 
XXXX XXXX collection account scheduled to remain until XXXX, reporting derogatories that can not be verified with proper documentation. 
XXXX XXXX XXXX ( # XXXX ) collection account opened XX/XX/XXXX, balance {$150.00}, reporting inaccurate balances and payment history. 
Auto Loan ( opened XX/XX/XXXX ) charged off XX/XX/XXXX, {$10000.00} written off, reporting inconsistent dates of delinquency. 
XXXX XXXX XXXX ( # XXXX ) credit card, charged off XX/XX/XXXX, {$3000.00} written off, reporting inaccurate charge-off months and balance updates. 
XXXX XXXX XXXX auto loan marked paid in settlement but still reporting derogatories that are misleading and incomplete. 

Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), transactions or experiences between the consumer and the person making the report are excluded from consumer reports. Experian continues to include this excluded information, which is both unlawful and misleading. Further, this violates FCRA 611 ( a ) ( 1 ) ( A ) because Experian has failed to conduct a reasonable reinvestigation into the actual legal issue raised, and FCRA XXXX ( a ) ( XXXX ) ( A ) because the reporting is incomplete and misleading.

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 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Dear Sir/Madam, I am writing to formally submit a complaint concerning a missing cryptocurrency transaction involving XXXX ( XXXX ) on the Coinbase platform, and to report Coinbases complete lack of response to my attempts at resolving the matter. 

On [ XX/XX/2020 ], I initiated a transfer of XXXX from my Coinbase account to my Coinbase Wallet. Despite confirming that the transaction was initiated successfully, the XXXX has not arrived in my wallet, and it has effectively disappeared. There is no trace of the funds in either account. 

I have attempted to contact Coinbase multiple times through their official support channels, but I have not received any response to my inquiries. The lack of communication and accountability is alarming, particularly considering the financial and regulatory implications of such a loss. 

As a U.S. investor, I am deeply concerned about the safety of my assets and the lack of consumer protections in situations like this. I am requesting that the SEC investigate this matter and take appropriate action to ensure that platforms like Coinbase uphold their responsibility to users and provide timely support and transparency. 

For your reference, I am including the following details : - Date of Transfer : [ XX/XX/2020 ] - Amount of XXXX  Sent : [ XXXX ] - Destination Wallet Address : [ XXXX ] - Transaction ( ID XXXX ) I would appreciate any assistance the SEC can provide in ensuring my funds are recovered and in holding Coinbase accountable for their lack of responsiveness. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have repeatedly requested, both by phone and in writing, that you provide validation of the alleged debt in the amount of {$680.00}. To date, no response has been received. Attached is a copy of one of the letters previously sent, along with proof of service. Despite my requests, your collection service has continued to call and harass me and my family. Until you provide proper validation of this alleged debt, including the original signed contract with wet signature or other proof of my obligation, you must cease all collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reporting that XXXX XXXX and the credit reporting agencies ( Experian, Equifax, and TransUnion ) failed to conduct a proper reinvestigation of the disputed charge-off account, in violation of the Fair Credit Reporting Act ( FCRA 611 ).

I previously disputed this account and requested verification of its accuracy. However, the responses I received did not include any supporting documentation such as signed agreements, account statements, or proof of liability. Instead, the bureaus simply verified the account by parroting information from the furnisher, without conducting an independent reinvestigation.

This constitutes an improper reinvestigation, as the FCRA requires a reasonable investigation and a disclosure of the method of verification upon request. Since the account remains unverified and inaccurate, I am requesting that the credit reporting agencies delete this account from my credit file and that XXXX XXXX cease reporting unverifiable information. 

The account is on my reports listed at XXXX XXXX Charge off for the amount of {$3100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Formal Dispute of Inaccurate Bankruptcy Reporting Case Numbers : XXXX and XXXX XXXX XXXX XXXX XXXXXXXX confirmed they " do not report any information to any credit reporting agency. '' - See Attached 1. No Direct Source : The court confirms they do not directly report bankruptcy information to credit agencies 2. No Control : The court states they do not control credit reporting agency actions 3. FCRA Compliance Issue : If the court doesn't report directly, how do you verify accuracy under FCRA Section 607 ( b )? LEGAL AUTHORITY : The court 's response specifically references " Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. '' Under this law : Section 607 ( b ) : You must follow reasonable procedures to assure maximum possible accuracy Section 609 : You must provide verification of reported information upon request Section 611 : You must investigate disputed information and delete unverifiable items DEMAND FOR DELETION : Since you can not verify these bankruptcies through the direct source ( the court admits no direct control ), and since both cases were DISMISSED rather than completed, these entries must be deleted immediately under FCRA Section 611 ( a ) ( 5 ) ( A ).

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 2025-08-23 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: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
After fleeing from a physically violent XXXX situation in Washington state in XXXX and then surviving a violent assault and robbery from my landlord in XXXX. 
I have found myself looking at my credit report- shocked. And wondering where all this negative impact came from? 

In both of the above cases, my abusers ; ( previous lover from WA ) XXXX XXXX XXXX XX/XX/XXXX and ( landlord from XXXX ) XXXX XXXX XXXX XX/XX/XXXX- stole and obtained my identity ; credit cards, cell phones, computer, passwords, identify documents, Social Security cards, birth certificates, journals, tax documents, car titles, police reports .. Im just about anything and everything in between that you could possibly need to obtain my identity.

I cant tell whats up from down, in from out, and KNOW I didnt have the accounts Im seeing on my current reports. The timelines dont make sense. Im confused and I have multiple disputes on my credit report. I need to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Early Warning Services, LLC
State: FL

Complaint narrative:
My personal information ; including XXXX 's security number, address, and email were shared with this thirst party data furnishing company without my knowledge or permission. Also inaccurate information was submitted, this account was opened XX/XX/XXXX that was open until XX/XX/XXXX initially I was locked out of the account and unable to access any documents being sent directly to me from the company. Also prior to Closure of the account I was asked to submit and provide some personal information to keep the account open and stop closure. A month following this notice the account was closed and I was informed that some information about the account would be shared to a third party consumer agency, not my personal information but the account information. I also noticed inconsistencies with the accounts with this company. I had a checking and savings account with XXXX and as reported in my Early warning report, the checking account information differs from the savings as I opened both accounts at the same time. The address information does not match and is inconsistent with the account. So there are a number of issues with this company that needs to be addressed and handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I visited a Bank Of America Branch that Ive held a checking account with for the last 3 years. I deposited a check from my mortgage company, XXXX XXXX in the amount of a little over {$44000.00}. The teller ( whom was very nice ) asked me what the funds are being used for. She proceeded to speak to me about a CD account but I told her the funds were being allocated for flood damage repair. She assisted me in depositing the {$44000.00} check that had both mine and my mothers endorsement on the back and told me the funds would be available the next business day. This message also reflected in my mobile account so you could imagine my surprise when I later received an email from BOA stating that the funds were being placed on hold because they received information that the check may be returned. Naturally, I called to inquire what information they were referring to and no one in the check and financing department had an answer. They said the information was not visible to them. Im basically homeless right now, living in a hotel because my home is inhabitable following a major flooding disaster and Bank Of America is attempting to hold my check till the XXXX of XXXX. Yet, they have no answer as to why! Its unethical! I have contractors that are on standby because I dont have the funds to provide them a down payment. My house repairs are delayed due to the greed of Bank Of America! Shame on you Bank Of America!

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 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
So my phone was stolen I have a police report when I got a new phone a number I tried to open my account couldn't get in due to verification and not having access to my phone so I was told to open a new one I did so and when I put social security number in was told my account was closed with absolutely no explanation I've tried to reach out but I was redirected here cash app will not say anything about why or what was done for this or provide a way for me to prove myself

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
while shoping for auto insurance I received a note that I had an accident, which I confirmed with my current auto insuarance is incorrect. I want LexisNexis to remove this information and also block anyone from submitting any information in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: MI

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 XXXX 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 2025-08-23 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: CA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GFS II, LLC
State: TN

Complaint narrative:
They were garnishing my check and then they stopped. I assumed that I didnt have to pay anymore now they are garnishing my check again after 6 months of not. Please help me fix this.

Company response to consumer: Closed with explanation