vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: MA

Complaint narrative:
Im a Massachusetts resident and was issued a high-interest loan ( 490 % APR ) from Uprova, which violates state usury caps. This loan is void under M.G.L. c.140 96114A. They continue to attempt to collect. I want the loan voided and collection activity stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: WA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : 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 2025-07-31 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: Early Warning Services, LLC
State: FL

Complaint narrative:
To Whom It May Concern, This complaint is submitted against Early Warning Services , LLC ( XXXX  ), a subsidiary of XXXX XXXX XXXX, for ongoing, willful, and egregious violations of the Fair Credit Reporting Act ( FCRA ), specifically : 605B ( 15 U.S.C. 1681c-2 ) Duty to block fraudulent information after identity theft notice 611 ( 15 U.S.C. 1681i ) Obligations regarding reinvestigation of disputed information 604 ( 15 U.S.C. 1681b ) Permissible purpose requirements 616617 ( 15 U.S.C. 1681n1681o ) Civil liability for willful or negligent noncompliance I am a documented victim of identity theft. I submitted a valid FTC Identity Theft Report ( # XXXX ), a corresponding police report, and multiple formal disputes and Method of Verification ( MOV ) requests to Early Warning. 

On XX/XX/year>, XXXX  responded to my CFPB complaint and acknowledged that the following accounts were confirmed identity theft-related and blocked : XXXX XXXX XXXX  XXXX . ( Dispute # XXXX ) XXXX XXXX XXXX XXXX ( Dispute # XXXX ) XXXX XXXX XXXX  ( Dispute # XXXX ) They also confirmed active disputes ( but not blocked ) for : XXXX XXXX XXXX XXXX XXXX ( Dispute # XXXX ) XXXX  XXXX XXXX ( Dispute # XXXX ) Despite these acknowledgments, these same accounts had previously been reinserted, and XXXX  failed to provide the required certifications or MOVs. This is a violation of : FCRA 611 ( a ) ( 5 ) ( B ) ( iii ) : Reinserted data must be certified by the furnisher and the consumer notified within 5 business days.

FCRA 611 ( a ) ( 7 ) : Consumers have a right to request and receive the Method of Verification.

FCRA 604 ( a ) : No data sharing without a permissible purpose. 

Worse still, XXXX previously claimed they had no access to the banks records, which is a clear admission that no lawful reinvestigation was conducted. 

These failures have significantly harmed my ability to open and maintain basic financial services, exposing me to repeated fraud risk and consumer harm. 

Requested Relief : I ask the CFPB to : Order XXXX to permanently delete all disputed identity theft-related data. 

Enforce civil penalties for repeated violations of FCRA reinsertion and notification statutes. 

Require a full and detailed Method of Verification ( MOV ) for each disputed account. 

Audit XXXX  reinvestigation practices and their compliance with the FCRA. 

Exhibits : Exhibit A : Timeline of Disputes, Reinsertions, and Correspondence Exhibit B : XXXX  XX/XX/year> Response Acknowledging Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach. 

Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within 30 days, as outlined by the Fair Credit Reporting Act ( FCRA ) and applicable state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, a fax was sent to Rushmore Mortgage Servicing ( XXXX ) XXXX informing them that my property had homeowner 's insurance with XXXX XXXX and a payment was due. Additionally, using the Rushmore Mortgage Insurance portal ( XXXX ) on XX/XX/XXXX, the information was uploaded, and an email confirmation of the upload was provided by Rushmore Mortgage Servicing. On XX/XX/XXXX, Rushmore Mortgage sent an email confirming receipt of information that stated " [ y ] our insurance information has been reviewed and updated using the details provided. No further action is required at this time. '' On or about XX/XX/XXXX, XXXX XXXX cancelled the homeowner 's policy for non-payment of {$4200.00}. Rushmore then proceeded to place force insurance on the property at a cost of {$6900.00}. Rushmore Mortgage Servicing has not acknowledged that it was their negligence that caused the insurance to lapse, and have informed me that, after receipt of the insurance information, when they proceeded to make a payment, their system alerted them that the payment was a duplicate. Rushmore failed to pay the homeowner 's insurance, and the lapse has caused the inability to secure adequate coverage due to the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Two transactions, one XXXX transaction of {$500.00} and one XXXX XXXX transaction of {$470.00} that I sent on XX/XX/year> under false pretenses. I was contacted by an individual who impersonated a XXXX employee, claiming that sending the money would convert my account to a business account. This was clearly a fraudulent representation that led to unauthorized use of my funds. The transactions are as follows : {$500.00} sent to XXXX XXXX on XX/XX/year> {$470.00} sent via XXXX XXXX on XX/XX/year>. I was misled and manipulated into believing I was communicating with a legitimate representative from XXXX. Once I realized it was a scam, I immediately contacted Chase, but I was told that XXXX payments are irreversible. However, under Regulation E and Chase own policies around unauthorized or fraudulent electronic fund transfers, I respectfully request a more thorough investigation. This was not a simple mistake, it was a fraudulent inducement by a third party using deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I am writing to formally dispute an unauthorized account that has been reported on my credit report. Since XX/XX/XXXX, when Bridgecrest reported a XXXX dollar loan on my credit, opened XX/XX/XXXX. I have been trying to dispute and call this company ever since. Ive called many times to no avail. My last call concluded in the customer service member saying they couldnt find any information on me. I am a victim of ID theft and Fraud and I have been trying to push this matter to the company many days on end. Still to no resolution. Currently somebody WHO IS NOT ME is driving this car bought on this loan under my name. I have to take something valuable like my time, call day after day hour after hour to no response and my credit is being completely ruined. The fact Bridgecrest is letting ID THEFT AND FRAUD happen to a XXXX VETERAN who fought for your freedom is completely unacceptable and I dont think I deserve to have my life ruined due to ID theft, and the fact Bridgecrest cant take calls. Ive submitted a complaint through XXXX  last week, was given a phone number to call and still no response for a whole week, two weeks Monday. Ive left several voicemails. This is an urgent matter as I do not have this car and its probably getting devalued as the days go by. So what happens when the loan company dont want to take the car back and Im sitting here with debt through a stolen identity. Ive been sitting here for months with no answers and due to being a XXXX veteran, I can not even pay for a car loan that is {$1000.00} a month this doesnt even make sense. I dont even know who the car dealer was that let them take it. The only way I was able to get any information and VIN on the car was through the Police car was located at a towing company on the XXXX of XXXX! 
I have a police report case ID # XXXX I have an FTC report that will be attached. 
Car VIN XXXX XXXX XXXX XXXX XXXX I request that the CFPB assist in having this fraudulent account removed from my credit report and coordinate with Bridgecrest to ensure proper corrective action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
Loan History Summary OneMain Financial Borrower : XXXX XXXX Loan Origination Date : XX/XX/XXXXXXXX  Final Payoff Date : XX/XX/XXXXXXXX  I am submitting the following documentation and summary to dispute the inaccurate credit reporting of my loan with OneMain Financial. The loan is currently reported as opened and closed due to refinance in XXXX  by XXXX  and XXXX, and it is not reported at all by XXXX. This is factually incorrect and harmful to my credit score. 


The following timeline reflects that the loan originated in XXXX, was refinanced later that year for a higher balance, and remained open and in good standing until it was paid in full on XX/XX/XXXX. I am requesting correction of the reporting to reflect this accurate payment history. 

Documentation ( Chronological Order ) : XX/XX/XXXX Appointment Confirmation Email Email from OneMain confirming an appointment to finalize the loan at XXXX XXXX 

XX/XX/XXXX Statement Showing Refinance Reflects original loan balance and refinancing with additional funds. 

XXXX XXXX XXXX  Year-End Statement Shows total loan balance of {$27000.00} at end of XXXX. 

XXXX XXXX XXXX  Monthly XXXX XXXX of {$460.00} received. 

XXXX XXXX XXXX Year-End Statement Reflects continuing payment activity with balance of {$22000.00}. 

XXXX XXXX XXXX Year-End Statement Payment of {$460.00} received ; balance : {$17000.00}. 

XX/XX/XXXX Loan Modification Statement Monthly payment adjusted to {$230.00} ; balance : {$13000.00}. 

XX/XX/XXXX Final Settlement Statement Shows agreement and acceptance of a {$6000.00} final payoff. 



Prior Attempts to Resolve : XX/XX/XXXX : I faxed a formal written request to OneMain Financial asking that they re-report my loan information accurately to the credit bureaus. I received no response. I mailed formal written request as well. 
XX/XX/XXXX : I called OneMains credit dispute department and spoke to a representative named XXXX. She acknowledged the issue and told me she would investigate and call me back. 
XX/XX/XXXX : XXXX returned my call and informed me that OneMain refuses to update the tradeline or correct the information reported to XXXX, XXXX, and XXXX  despite being shown clear proof that the loan remained active through XXXX. I was told they do not reissue loan information, even in cases where the current data is incorrect. I stressed to XXXX this was effecting my credit score negatively. 




My Request : This account should reflect : Open date : XXXX Status : Closed Paid in Full Final payment date : XX/XX/XXXX Consistent monthly payments through the loans full term This information is critical to accurately reflect my creditworthiness and history of on-time installment payments. I am asking that all three bureaus and OneMain correct this misinformation without further delay. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I wanted to let you know about my concerns regarding the lack of response from my loan servicer, XXXX XXXX XXXX, concerning my questions about the fees associated with my mortgage loan account. On XX/XX/year>, I received an email containing an attached letter indicating a payment amount of {$12000.00}, dated XX/XX/year>. 

In my communication with XXXX XXXX XXXX, I wanted to clarify the outstanding fees totaling {$4900.00}, including unpaid late fees of {$930.00} and a payment due of {$6700.00}, which sums to a total of {$12000.00}. 

Additionally, I requested permission to make the current overdue payment ; however, my attempts have been met with refusals, and I have been unable to access online payment options for the past three months for this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
These accounts are not mine, and I have reason to believe they are the result of fraudulent actions. Please perform a full investigation and remove them from my credit report. Documents are included.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, CA, XXXX ] [ XXXX ] [ XXXX ] Transunion Hard Inquiries [ Inquiry XXXX XXXX Date of Inquiry XX/XX/year> ] [ XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year> ] [ XXXX Date of Inquiry XX/XX/year> ] [ XXXX Date of Inquiry XX/XX/year> ] [ XXXX  Date of Inquiry XX/XX/year> ] EQUIFAX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX EXPERIAN XX/XX/year> XXXX XXXX XXXX  Subject : Identity Theft and Unauthorized Credit Card Applications TRANSUNION /EXPERIAN/EQUIFAX I am writing to formally report that I have been the victim of identity theft. I recently discovered that someone attempted to open one or more credit card accounts using my personal information without my knowledge or consent. 

On [ XXXX ], I was alerted to suspicious activity involving attempts to apply for credit cards in my name. I did not authorize these applications and have no knowledge of who submitted them. I am concerned that my personal identifying information has been compromised and is being used fraudulently. 

I have taken the following steps in response to this incident : 1. Filed an Identity Theft Report with the Federal Trade Commission ( FTC ).

2. Notified the major credit bureaus ( Equifax, Experian, and TransUnion ) and placed a fraud alert on my credit file.

Please consider this letter as part of my formal complaint. I am requesting a thorough investigation into the matter and that any fraudulent inquiries or accounts be removed from my credit file immediately. I have attached my Identity Theft Report for your review and records. 

Thank you for your attention to this serious matter. Please do not hesitate to contact me at the phone number or email address listed above if further information is needed. 

Sincerely, [ 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 2025-07-31 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I didnt give them written consent to furnish or obtain my information

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