vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NV

Complaint narrative:
Hello, I am submitting this complaint concerning the fraudulent items found in Experian, Equifax, and TransUnion Credit Bureaus. I am requesting once again for the correction of these fraudulent items from my credit file. Please review the list of fraudulent items that I would like to be updated in my next update XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
My son purchased a truck from a Toyota dealership in XXXX XXXX, NV. I agreed to be a co-signer on the loan with Toyota Financial. Due to issues directly and attributed to the pandemic my son was not able to stay current on the payments and in XX/XX/XXXX turned the truck back into Toyota. Toyota then turned the debt over to XXXX XXXX. Once my son was contacted by XXXX XXXX he began making {$1000.00} per month payments. When the debt was paid down to XXXX XXXX offered the option to pay {$12000.00} to settle the debt. My son paid this on XX/XX/XXXX. Toyota removed the derogatory entries from my son 's credit reports but did not follow through and remove them from my credit reports. I have filed disputes with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Cash App ( Square , Inc. ) regarding the unauthorized withdrawal of {$1000.00} from my account and the companys failure to resolve the issue despite multiple dispute attempts. 

On XX/XX/year>, someone gained unauthorized access to my Cash App account. An unknown card was fraudulently linked to my account, and {$1000.00} was taken from my savings balance without my knowledge or consent. I did not authorize this transaction, and I do not recognize the card involved. 

Despite filing multiple claims and providing all requested documentation, Cash App continues to assert that the transaction appears to be authorized by someone with permission to use the account. This is completely false. No one else had permission to access or use my account. 

To address this issue formally, I have filed a police report, confirming that this was a fraudulent and unauthorized transaction. Cash Apps ongoing refusal to accept this fact and return my funds is unacceptable and deeply troubling. 

I am requesting : A full and immediate refund of the {$1000.00} withdrawn without authorization, A formal investigation by the XXXX  into Cash Apps fraud investigation process, Guidance or support regarding potential legal action, as this may constitute a violation of consumer protection and financial fraud laws. 

Thank you for your time and assistance in helping to hold this company accountable and ensure better protection for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: AR

Complaint narrative:
I don't know who XXXX, or Bridgecrest is. On my credit report I see this entity change from BRIDGECREST, to BRIDGECREST Formally XXXX, to XXXX XXXX XXXX BRIDGECREST. With each having a different address and a different phone number. I don't have any paperwork showing any agreement with XXXX, BRIDGECREST OR BRIDGECREST FORMALLY XXXX. This has ruined my credit and I demand removal. This is identity theft. I have no contract. This is criminal and also caused my injury to my everyday living, as well as hardship to my credit.I DO NOT GRANT ACCESS TO MY PERSONAL INFORMATION ANY PERSONAL INFO YOU HAVE MUST NOT BE SOLD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Go Capital Holdings, LLC
State: AR

Complaint narrative:
I don't know who XXXX, or XXXX is. On my credit report I see this entity change from XXXX, to XXXX Formally XXXX, to XXXX XXXX XXXX XXXX. With each having a different address and a different phone number. I don't have any paperwork showing any agreement with XXXX, XXXX OR XXXX FORMALLY XXXX. This has ruined my credit and I demand removal. This is identity theft. I have no contract. This is criminal and also caused my injury to my everyday living, as well as hardship to my credit.I DO NOT GRANT ACCESS TO MY PERSONAL INFORMATION ANY PERSONAL INFO YOU HAVE MUST NOT BE SOLD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Since approximately XX/XX/XXXX, I have contacted Equifax on numerous occasions regarding a recurring issue in which I receive correspondence stating that Equifax is " unable to locate a credit file '' for me. Despite submitting over XXXX dispute requests concerning inaccurate or questionable information on my credit report, I continue to receive these letters immediately following each dispute attempt. 

This pattern strongly suggests that my consumer file is either not being properly accessed or has been mishandledpotentially constituting a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed information, and 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information in consumer reports.

I have spoken with multiple representatives and managers at Equifax who assured me that my credit profile exists and that this matter had been resolved. However, as of XX/XX/XXXX, I continue to receive the same generic responses and letters. More concerning, when attempting to follow up on this issue, I am repeatedly disconnected, denied escalation to a senior manager or specialist, and refused substantive assistance.

To date, I have sent two certified mailings to Equifax containing formal documentation related to this issue. Equifax has failed to respond to these written communications, which may also constitute a violation of 15 U.S.C. 1681i ( a ) ( 2 ), regarding the obligation to investigate and respond to direct disputes.

As a result of these ongoing failures, my credit profile appears compromised, and I have suffered significant harmincluding emotional distress, time lost, and potential financial damage due to inaccurate or inaccessible information. 

I am formally requesting that this matter be addressed immediately and that I receive a full investigation, a written response, and a clear explanation of why these repeated failures have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
Subject : Formal Complaint Against CrossCountry Mortgage Mishandling of Insurance Documentation and Unauthorized Force-Placed Policy Dear CFPB Representative, I am submitting this complaint regarding CrossCountry Mortgage due to their continued mishandling of my homeowners insurance documentation and their improper placement of a force-placed insurance policy on my account without my consent. 



Since XX/XX/year>, I have repeatedly contacted CrossCountry Mortgage customer service and provided all requested documentation related to my new homeowners insurance policy. I submitted the documents via their designated online portal as well as through email, multiple times. Despite these efforts, each time I called to follow up, I was told that some portion of the documents was still missingwith no consistency or clear explanation. 



In XX/XX/year>, my insurance agent also contacted CrossCountry Mortgage and asked to speak with a supervisor to help resolve the issue. Her request was denied, and she was instead instructed to resubmit the policy documentationdespite the fact that the same documents had already been submitted more than five times.

To date, CrossCountry Mortgage has failed to acknowledge the valid insurance policy I put in place and has instead force-placed a costly insurance policy on my account without my authorization effective retrogradely since XX/XX/year>. This policy is significantly more expensive and was applied despite my full compliance and clear efforts to communicate and resolve the matter. 



I respectfully request the CFPB to investigate this case and take appropriate action. I am asking that CrossCountry Mortgage : Cancel the unauthorized force-placed insurance policy, Recognize and accept the insurance policy I submitted, and Refund all associated charges from the improper insurance placement. 


I am happy to provide copies of all relevant communications and documents as needed. 

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, FL XXXX Loan # : XXXX Tel : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-05-19 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I have several charge off and inquires, addresses and phone numbers that aren't associated with me. I requested information from multiple companies on my credit file because inaccuracies are reporting various dates and transferred to other companies. will you please investigate and delete these items. All items not associated with my address below should be removed immediately. The bureas are suppose to report accurate information and based on the accounts in collections, chargeoff, and recent inquires this is not happening. I believe that i have been effected by multiple data breaches. XXXX XXXX Credit Management Company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my only address that should be there : XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX everything else I am not associate with and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AVANTE
State: FL

Complaint narrative:
I have several charge off and inquires, addresses and phone numbers that aren't associated with me. I requested information from multiple companies on my credit file because inaccuracies are reporting various dates and transferred to other companies. will you please investigate and delete these items. All items not associated with my address below should be removed immediately. The bureas are suppose to report accurate information and based on the accounts in collections, chargeoff, and recent inquires this is not happening. I believe that i have been effected by multiple data breachesXXXX XXXX XXXX XXXX XXXX XXXX Avante USAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my only address that should be there : XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX everything else I am not associate with and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: VA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-05-19 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: MA

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 2025-05-19 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They never sent me the 1099c they are supposed to by law send after the debt is " charged off '' and paid by the insurance companies for profit loss. Inaccurate debt, when it was all paid by the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
THIS IS FRAUD. I NEVER OPENED STUDENT LOANS. IM IN MY LATE 60s AGE. THIS IS NOT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I closed my account with XXXX ( XXXX XXXX ) during the summer of XXXX. I mailed them the equipment and provided a tracking number to them on a recorded line. While on the phone with them, I asked them to record the tracking number for record keeping purposes. A few weeks later I received a bill in the mail demanding payment. When I called in to discuss the matter with an associate, I asked them to review the notes for the tracking number. They confirmed that they have the tracking number and received the equipment. After the confirmed receipt of the letter, I asked them why did the account go to collections. They told me that they don't know why it went to their collections department. I asked them to speak with their collections department so that my credit doesn't take a hit for their negligence and error. 
My credit score recently dropped because IC Systems ( third party ) reported the account to earlier this month. I don't understand why I am getting a notification from a third party debt collector nearly 4 years after I closed the account with XXXX. Furthermore, I never received anything in writing from IC Systems. I found out that it was on my credit report while reviewing my credit score. XXXX XXXX ( XXXX XXXX ) negligence has caused my credit score to drop. And IC Systems has reported the account to the credit bureau to damage my credit score.

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 2025-05-19 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: WI

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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