vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint & Request for Investigation Inaccurate Reporting of Collection Account # XXXX To Whom It May Concern : I am submitting this complaint to the Consumer Financial Protection Bureau regarding the inaccurate and unlawful reporting of a collection account ( Reference/Account # XXXX ) appearing on my consumer credit file. I am requesting a full investigation into the furnishers violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation V ( 12 CFR Part 1022 ). 
Summary of Reporting Issues : The following data points demonstrate clear and material inaccuracies : Account Type : Open Account Collection Status : Derogatory / Late XXXX  Days Date Opened : XX/XX/XXXX Balance : {$1600.00} Past Due : {$1600.00} Comment : Collection account Date Last Active & Last Payment : XX/XX/XXXX ( more than XXXX years before the date opened ) Two-Year Payment History reported for months predating the account ( including XXXX activity ) Payment history showing late payments on a collection account, which is not permitted Conflicting status and dates across TransUnion and Experian Violations Committed : FCRA Violations : FCRA 602 ( A ) FCRA 607 ( b ) FCRA 609 ( a ) FCRA 611 ( a ) FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( a ) ( 2 ) FCRA 623 ( a ) ( 5 ) FDCPA Violations : 15 USC 1692e 15 USC 1692f 15 USC 1692e ( 8 ) Regulation V Violations ( 12 CFR 1022 ) : Failure to report complete and accurate consumer information Reporting payment history on a collection account Failure to correct the account after dispute Requested CFPB Action : I request that the CFPB investigate the furnisher and the credit bureaus, compel deletion or correction of Account # XXXX, and require the furnisher to supply full documentation including the original contract, validation of debt, itemized accounting, DOFD records, and permissible purpose proof. 
Desired Resolution : I respectfully request full deletion of this account from all consumer reports due to ongoing federal reporting violations. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AR

Complaint narrative:
I am submitting this as a follow-up regarding multiple inaccuracies that continue to appear on my Equifax, Experian, and TransUnion credit reports. Despite my prior dispute, these errors remain unresolved. Upon careful review, I have identified several serious discrepancies that materially misrepresent my creditworthiness and cause ongoing stress and financial harm. The inaccuracies include an incorrect address, misreported account statuses, charge-offs with inaccurate balances, and hard inquiries that were either unauthorized or inaccurately recorded. Specific accounts affected include XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$680.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$17000.00} ), and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$23000.00} ), as well as multiple other accounts with incorrect dates or statuses, such as XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and 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 2025-12-08 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: AR

Complaint narrative:
I am submitting this as a follow-up regarding multiple inaccuracies that continue to appear on my Equifax, Experian, and TransUnion credit reports. Despite my prior dispute, these errors remain unresolved. Upon careful review, I have identified several serious discrepancies that materially misrepresent my creditworthiness and cause ongoing stress and financial harm. The inaccuracies include an incorrect address, misreported account statuses, charge-offs with inaccurate balances, and hard inquiries that were either unauthorized or inaccurately recorded. Specific accounts affected include XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$680.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$17000.00} ), and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$23000.00} ), as well as multiple other accounts with incorrect dates or statuses, such as XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PROVIDENT FUNDING ASSOCIATES
State: NC

Complaint narrative:
I am filing this complaint because my mortgage servicer ( Provident Funding ) reported severe delinquency during a period when I was under an approved forbearance and a pending/approved loan modification. These reports appear inaccurate, inconsistent across credit bureaus, and potentially in violation of both the CARES Act and the FCRA. The servicer also did not provide clear information when I requested clarification. 

Here is the timeline : XX/XX/XXXX : I requested forbearance. 
XX/XX/XXXX : XXXX approved a XXXX forbearance ( XXXX XXXX ). 
XX/XX/XXXX : XXXX instructed me to submit a loan modification application to avoid credit damange. I complied. 
XX/XX/XXXX : Loan modification was approved after more than 3 months of review. 
XX/XX/XXXX : Payment system reopened and payed, more than 2 months after modification approval, and I could not make payments until the system became available. 

Despite being fully within approved loss-mitigation programs, the servicer reported the following delinquencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inconsistent reports suggest that the servicer submitted inaccurate and non-uniform data to the credit bureaus. Under the CARES Act, accounts in an approved forbearance or modification should be reported as current. Under the FCRA, furnishers must report accurate, consistent information and must conduct a reasonable investigation when a dispute is raised. 

I contacted the servicer multiple times, but they did not explain : Why delinquency was reported during protected periods Why different delinquency levels were submitted to different bureaus Why the payment portal was closed for over XXXX months How the inaccurate credit reporting would be corrected This has significantly damaged my credit even though I followed all instructions and complied with all approved plans. 
I respectfully request CFPBs assistance to : Investigate the servicers handling of my forbearance and loan modification. 
Determine why delinquency was reported during a protected loss-mitigation period. 
Require correction of the inaccurate delinquency reporting to the credit bureaus. 
Ensure the servicer complies with CARES Act requirements. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I am filing a complaint against PayPal because they created an illegitimate negative balance on my account after mishandling a fraudulent chargeback, ignored the final decision issued by XXXX dispute system, and then wrongfully referred the alleged balance to multiple outside debt collectors. The underlying transaction was already adjudicated and closed in my favor by XXXX, which determined that the buyer had violated their platform rules when attempting to dispute the shipping cost. After losing the dispute through the proper channel, the buyer attempted to circumvent XXXX decision by filing a credit card chargeback through PayPal. 

I provided PayPal with full documentation showing that the buyers claim had already been denied and that the shipping label was purchased and used exactly as required. Despite this, PayPal chose to ignore XXXX  ruling and permitted the chargeback to stand, which resulted in PayPal placing a negative balance of {$140.00} on my account. This negative balance is not legitimate and should never have been created, because the underlying dispute had already been resolved and the buyer was not entitled to a refund. 
Instead of correcting the error, PayPal assigned my personal information and the invalid balance to third-party debt collectors. This caused repeated harassment in the form of unsolicited collection emails, some of which continued even after I formally disputed the debt in writing and demanded validation. XXXX actions constitute a breach of their Seller Protection obligations, improper assignment of a disputed commercial transaction, and an unfair business practice. I am requesting that the CFPB investigate XXXX handling of this matter, require them to remove the negative balance, and ensure that all collection efforts related to this invalid debt are permanently halted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
There were unauthorized transactions from a merchant called ceaser and for some reason it kept charging my debt card balance without my permission I contact there support because I didnt know what was going on and they informed me that my debt card information was leaked and someone was confined draining my debt card balance by gaining access to my card information through the data breach. But well Fargo closed the case before even seeing the proof email response from High up fraud department specialist then they told me by claim was closed and are closing my account and debt card now Im gon na have no proof of the history of these transactions that happen 1-2 weeks ago and they told me it will be closed the XXXX  and will be going to civil court with my evidence and will sue them for no doing there job correctly or going by the laws that protect consumers against as theres guidelines state.

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 2025-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
Trying to communicate with them is like pulling teeth

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CORELOGIC INC
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-12-08 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 am submitting this follow-up regarding ongoing inaccuracies, outdated information, and unverifiable entries on my credit reports from TransUnion, Experian, and Equifax. Despite prior disputes, these errors remain unresolved and continue to misrepresent my credit history, negatively affecting my creditworthiness and financial opportunities. The inaccuracies include multiple incorrect addresses, such as XXXX XXXX XXXX, XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which violate FCRA 605 ( a ) and 607 ( b ). Several charge-off accounts, including XXXX XXXX, XXXX XXXX XXXX XXXX and OprtUnMetabk, are reported with inaccurate balances or outside permissible reporting periods, in violation of FCRA 605 ( a ) ( 4 ), 605 ( c ), and 623 ( a ) ( 1 ) ( A ). My credit reports also include a repossession with XXXX and multiple collection accounts, such as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others, which are inaccurate, unverifiable, or misleading, violating FCRA 611, 623 ( a ) ( 1 ) ( A ), and FDCPA XXXX. Additionally, hard inquiries, including XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, may be unauthorized or outdated, violating FCRA 604 ( a ) and 605 ( 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 2025-12-08 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: TX

Complaint narrative:
I am submitting this follow-up regarding ongoing inaccuracies, outdated information, and unverifiable entries on my credit reports from TransUnion, Experian, and Equifax. Despite prior disputes, these errors remain unresolved and continue to misrepresent my credit history, negatively affecting my creditworthiness and financial opportunities. The inaccuracies include multiple incorrect addresses, such as XXXX XXXX XXXX, XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which violate FCRA 605 ( a ) and 607 ( b ). Several charge-off accounts, including XXXX XXXX, XXXX XXXX XXXX XXXX and OprtUnMetabk, are reported with inaccurate balances or outside permissible reporting periods, in violation of FCRA 605 ( a ) ( 4 ), 605 ( c ), and 623 ( a ) ( 1 ) ( A ). My credit reports also include a repossession with XXXX and multiple collection accounts, such as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others, which are inaccurate, unverifiable, or misleading, violating FCRA 611, 623 ( a ) ( 1 ) ( A ), and FDCPA XXXX. Additionally, hard inquiries, including XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, may be unauthorized or outdated, violating FCRA 604 ( a ) and 605 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this as a follow-up regarding multiple inaccuracies that continue to appear on my Equifax, Experian, and TransUnion credit reports. Despite my prior dispute, these errors remain unresolved. Upon careful review, I have identified several serious discrepancies that materially misrepresent my creditworthiness and cause ongoing stress and financial harm. The inaccuracies include an incorrect address, misreported account statuses, charge-offs with inaccurate balances, and hard inquiries that were either unauthorized or inaccurately recorded. Specific accounts affected include XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$680.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$17000.00} ), and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$23000.00} ), as well as multiple other accounts with incorrect dates or statuses, such as XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2025-12-08 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app on my phone. I have had a few transactions that I didn't make. I didn't understand that you had to have ur card locked. So I did that but transactions kept happening. I talked to them a couple times and they blocked all kinds of things Don't understand. But now they have closed my account without letting me know anything except wanting more information. That I refuse to give them. They have a team looking at my stuff I don't trust them. Please help me

Company response to consumer: Closed with explanation