vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am the borrower on a mortgage originated by XXXX Mortgage XXXX and recorded in XXXX XXXX, Florida on XX/XX/XXXX. 

I sent Carrington Mortgage Services , LLC a Qualified Written Request ( QWR ) via certified mail on XX/XX/XXXX, requesting proof of loan ownership, XXXX XXXX, chain of title, and documentation supporting Carringtons right to service and collect on the loan. 

Carrington acknowledged receipt of my QWR in writing on XX/XX/XXXX, stating that it was researching the matter and would respond by XX/XX/XXXX. 

In its acknowledgment letter, Carrington identified the current investor or note holder as XXXX Mortgage XXXX XXXX XXXX. However, this representation conflicts with other records, including the XXXX XXXX system, which has listed XXXX XXXX XXXX and, at other times, XXXXXXXX XXXX XXXX XXXX XXXXXXXX as the investor. 

A search of the XXXX XXXX XXXX records shows no recorded assignment of the mortgage from XXXXXXXX XXXX XXXXXXXX or XXXX  to XXXX XXXX XXXX or to any XXXX trust. 

As of today, Carrington has not produced any documentary evidence showing a valid assignment of the mortgage, endorsement of the note, pooling and servicing agreement, power of attorney, or servicing authorization.

I am concerned that Carrington is servicing and attempting to collect on this loan without verified ownership or authority, and that conflicting investor representations violate the Real Estate Settlement Procedures Act ( RESPA ), Regulation X, and Truth in Lending Act ( TILA ). 


I submitted a detailed QWR requesting proof of ownership, servicing authority, and a complete chain of title. 

Carrington acknowledged receipt but has not yet provided the required documents. 

I have not agreed to any loan modification or loss mitigation because ownership and authority have not been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I filed 6 disputes on cash app for a company called XXXX XXXX XXXX XXXX  I filled them. I gave the same details and reasoning why I was disputing for each other six transactions. So I answered every question was asking gave the same type of supporting documents and everything so every dispute was the exact same. They accepted one of the transactions I disputed and denied the others the reason for denying the other 5 disputes ( like I said identical reasoning and documentation ) they said exactly " we reviewed your dispute based on the details provided we are unable to refund this transaction '' which makes no sense because I gave the same exact details for the one dispute in transaction they refunded me so why is it good enough for that one but the exact same information isn't for the rest of them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: TX

Complaint narrative:
CFPB COMPLAINT Company : XXXX XXXX XXXX. 
Type of debt : Medical / Dental Amount : {$1300.00} Complaint Narrative : I am submitting this complaint regarding inaccurate credit reporting and improper collection activity by TekCollect , Inc. related to a disputed dental bill. 
The underlying charges involve placement of XXXX anterior dental crowns that were medically necessary. The procedure was recommended by my dentist due to documented enamel erosion caused by medical acidity issues. Prior to treatment, I explicitly informed the dental office that the insurance carrier might misclassify the procedure as cosmetic. I was repeatedly assured by the dental office that the treatment would be covered at 50 %. 
Based on those representations, I proceeded with treatment and paid more than {$2000.00} out of pocket. After treatment, I was unexpectedly billed for 100 % of the charges, contrary to the representations made before the procedure. I immediately requested a detailed, itemized bill and documentation showing how the claim was submitted to insurance and why coverage was denied. 
The dental office stated that billing was handled by a third party and that they could not provide itemized billing details, insurance submissions, or explanations of benefits. As a result, the account was actively disputed with the provider prior to being referred to collections. 
Despite the active dispute, the account was sent to TekCollect , Inc., and TekCollect reported the debt to credit bureaus. Reporting a disputed medical debt without proper verification constitutes inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). 
I formally disputed the debt with TekCollect and requested full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including an itemized bill, proof of obligation, proof of accuracy, and proof of authority to collect. At the time of this complaint, the debt has been reported to credit bureaus without proper validation. 
This collection activity has caused damage to my credit profile and should not have occurred while the debt was disputed and unsupported by proper documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: WA

Complaint narrative:
Subject : XXXX  XXXX wire received but not credited to my account I sent a domestic wire transfer to XXXX  on XX/XX/XXXX for the amount of {$48000.00} USD. 

My bank XXXX XXXX XXXX XXXX XXXX has confirmed that the wire was successfully delivered to XXXX  's receiving bank XXXX XXXX Bank ) on XX/XX/XXXX and the funds are no longer eligible for recall. 

I have provided XXXX  with the XXXX reference number, the wire confirmation document, and all requested information. However, XXXX  has not credited the funds to my account and has not provided a clear explanation or timeframe for resolution. 

I have contacted XXXX  multiple times, opened support tickets, and called their support phone number ( XXXX ), but I either receive generic replies or no response at all. 

At this point, XXXX  is in possession of my {$48000.00} and I am unable to use or withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My legal name is being reported incorrectly on my credit report with TRANSUNION without my authorization. This inaccurate personal information constitutes identity misrepresentation and creates a risk of credit file contamination and misattribution of accounts. My legal name has already been verified and corrected with other consumer reporting agencies, which is XXXX XXXX XXXX. Yet Transunion still has it reported as XXXX XXXX XXXX. Despite XXXX separate notices, this bureau continues to report outdated and inaccurate personal information. I am requesting immediate correction and blocking of the inaccurate name under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding CB/NY & CO account XXXX, which is reporting inaccurate and unlawful information to TransUnion. 

This account is furnishing erroneous late payments that violate the Fair Credit Reporting Acts accuracy requirements. In XXXX, my payments were deferred due to COVID related hardship, and I was protected under the CARES Act. During this period, the account should have been reported as current. Reporting late payments during a CARES Act accommodation is improper and unlawful. 

In addition, the payment history being reported is internally inconsistent and inaccurate. The account reflects 120 days late for three consecutive months, which is not possible under standard delinquency reporting guidelines. In XXXX, the account again reflects two consecutive months reported as 120 days late, further demonstrating inaccurate and unreliable reporting. 

These reporting practices materially misrepresent the status of the account and violate the FCRAs requirement to furnish complete and accurate information. Despite disputes, this account has never been properly validated or verified as an account that was opened by me. 

Due to these violations of the FCRA and the CARES Act, I am demanding the immediate removal of CB/NY & CO account XXXX from my credit report. 

I am requesting CFPB assistance to ensure these inaccurate and unlawful reporting practices are corrected and that this account is removed from my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX  account XXXX, which is reporting inaccurate and unlawful information to TransUnion. 

This account is furnishing erroneous late payments that violate the Fair Credit Reporting Acts accuracy requirements. In XXXX, my payments were deferred due to COVID related hardship, and I was protected under the CARES Act. During this period, the account should have been reported as current. Reporting late payments during a CARES Act accommodation is improper and unlawful. 

In addition, the payment history being reported is internally inconsistent and inaccurate. The account reflects 120 days late for three consecutive months, which is not possible under standard delinquency reporting guidelines. In XXXX, the account again reflects two consecutive months reported as 120 days late, further demonstrating inaccurate and unreliable reporting. 

These reporting practices materially misrepresent the status of the account and violate the FCRAs requirement to furnish complete and accurate information. Despite disputes, this account has never been properly validated or verified as an account that was opened by me. 

Due to these violations of the FCRA and the CARES Act, I am demanding the immediate removal of XXXXXXXX XXXX XXXX  account XXXX from my credit report. 

I am requesting CFPB assistance to ensure these inaccurate and unlawful reporting practices are corrected and that this account is removed from my consumer credit file.

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 2025-12-28 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:
I am writing to dispute an incorrect credit account that is listed on my credit report. According to my report, XXXXXXXX XXXX has reported a credit card account that I never applied for, activated, or used. The account is listed as XXXXXXXX XXXX XXXX, with account details including a balance of {$190.00} and a credit limit of {$1000.00}. 

I want to be absolutely clear : I never received this card, nor did I ever authorize or use it in any capacity. Additionally, I have never made any payments on this account, as I never had possession of the card in the first place. XXXX can not deny this fact. 

The account was opened without my consent, and I request that TransUnion immediately remove this account from my credit report. I believe this to be an error that should not be affecting my credit score or financial standing. 

Please investigate this matter thoroughly and ensure that all necessary updates are made to my credit report to reflect that I never opened or used this account. I would appreciate confirmation that the account has been removed from my report as soon as possible. 

For your reference, I have also raised this issue with XXXX, and I am requesting their confirmation that this account is erroneous. 

Thank you for your prompt attention to this matter. I look forward to your response and the swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I am writing to dispute an incorrect credit account that is listed on my credit report. According to my report, XXXXXXXX XXXX has reported a credit card account that I never applied for, activated, or used. The account is listed as XXXXXXXX XXXX XXXX, with account details including a balance of {$190.00} and a credit limit of {$1000.00}. 

I want to be absolutely clear : I never received this card, nor did I ever authorize or use it in any capacity. Additionally, I have never made any payments on this account, as I never had possession of the card in the first place. XXXX can not deny this fact. 

The account was opened without my consent, and I request that TransUnion immediately remove this account from my credit report. I believe this to be an error that should not be affecting my credit score or financial standing. 

Please investigate this matter thoroughly and ensure that all necessary updates are made to my credit report to reflect that I never opened or used this account. I would appreciate confirmation that the account has been removed from my report as soon as possible. 

For your reference, I have also raised this issue with XXXX, and I am requesting their confirmation that this account is erroneous. 

Thank you for your prompt attention to this matter. I look forward to your response and the swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: PA

Complaint narrative:
the information on my credit report is wrong and I would like it removed off my credit report.

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 2025-12-28 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: NJ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing this account because the information being reported is inaccurate and can not be verified. I am requesting a full investigation and correction or removal of this account if it can not be confirmed as accurate under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
In XX/XX/year>, Toyota Financial Services alleged that I owed a balance of {$4400.00} resulting from a purported repossession. This action was taken without prior notice or communication to me, the lessee. Furthermore, Toyota breached the terms of its own lease agreement, which expressly required that I be given the opportunity to return the vehicle to a designated location selected by Toyota Financial Services. Instead, Toyota authorized a third party to unlawfully seize the vehicle from my private property.

Subsequently, Toyota charged off the account based on this unverified and disputed amount of {$4400.00} and has continued to report the alleged balance to consumer reporting agencies as a valid debt. 

I have formally disputed this claim and submitted multiple notices to the Office of the Chief Financial Officer of Toyota Motor Credit Corporation requesting an investigation into this matter. Despite these efforts, I have only received automated, non-substantive responses demanding payment in U.S. dollar, without addressing the legitimacy of the alleged debt.

Most recently, I formally requested that Toyota provide full accounting documentation, including all daily transactional ledgers, identifying the transmitting utility, the chain of authority, and the capacity in which Toyota or any delegated entity claims the right to collect and report this alleged obligation arising from the purported retail installment contract. 

To date, no such verification or documentation has been produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was sending bitcoin and it was cancelled. So I called to complain and was put on to the bitcoin department. I received an email from XXXX and was told t I get a new address which I did. I tried it and my account got deactivated. 
I sent money and bitcoin on cashapp and never encounter a problem. There was no fraud involved and cashapp wont be specific and let me know what I did wrong. I reported that my transaction was cancelled and their employer told me to try as another address. Thats not fraud or illegal activity. 
I was expecting support from cashapp. 
I hope you can help. 
Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In the late month of XXXX and early month of XXXX I looked into buying a house to see what I could possibly could be approved for. Following doing so between XXXX and XXXX someone made 7 inquiries on my credit. The first inquiry I received was in my mothers name XXXX XXXX on XX/XX/XXXX from XXXX  but had my address on it. Following that letter I received an inquiry from XXXX in my own name. I received paperwork for each of these inquires all stating their was " lack of identity '' so they were not able to get the cards in my name. I had reached out to each company individually and I was assured they would not hit my credit. The following were dates and companies that the thief tried to apply for : XX/XX/XXXX XXXX XXXX XXXX card lack of identity XX/XX/XXXX XXXX XXXX XXXX account Unsuccessful identity verification XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Lack of identity XX/XX/XXXX XXXX & XXXX XXXX government id not provided XX/XX/XXXX XXXX number of credit inquires ( Also I already have a XXXX card it's my only Major credit card I use actively ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX card government id not provided XX/XX/XXXX XXXX XXXX Need financial information verification I also checked my experian where it says on XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX card was inquired . Following those card on XX/XX/XXXX XXXX XXXX XXXX cards again were tried to be opened. I called these businesses and was assured they were going to removed and not to worry and they are still sitting on my credit. I placed freezes and fraud alerts on my accounts. I have impeccable credit and it's crazy that someone else 's evil choices and ruining my hard work. Now that I actually need to apply for a card I am unable to due to this persons actions.

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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Glacier Bancorp Inc.
State: MT

Complaint narrative:
Had fraud on account and reported it. This individual kept turning my debit cards off ehen i went in branch and received a new one. Denied fraud claim whennstotr was online only. Said it was a physical store when it doesnt have a physical location. This started XX/XX/year>. 

Had several withdrawals and checks Come thru when funds were available in the account. Transactions and checks were paid and post to account. The next day the Transactions were reversed manually and funds put back in account and nothing paid. Then the same security individual closed my accounts.. Threatened my husbands and daughters accounts and our business accounts. Banked there almost XXXX  years. Closed my personal account XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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