vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: NY

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. 

Please delete the following accounts : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal 1988 - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within XXXX 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 2025-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: CA

Complaint narrative:
Subject : Mortgage Servicer Error Incorrect Successor in Interest Placed on My Loan Dear Consumer Financial Protection Bureau, I am writing to file a complaint against my mortgage loan servicer for a serious error regarding my mortgage account. 

Recently, my servicer added a successor in interest to my mortgage loan without my authorization or consent. The individual they added is a woman I do not know and who has no connection to me or my property. 

The servicer informed me that this person submitted court documentation concerning a XXXX XXXX XXXX. However : My legal name is XXXX XXXX XXXX, and is not XXXX XXXX XXXX. 

The documentation provided by this individual does not list my property address at allit lists a completely different residence in Arizona. 

Despite these clear discrepancies, my servicer accepted her claim and placed her on my mortgage loan records as a successor in interest. 

This is a serious error that could affect the ownership, servicing, and reporting of my loan. It also raises significant privacy and fraud concerns, as a third party has been incorrectly granted association with my mortgage. 

I have contacted the servicer and requested that they immediately remove this unauthorized individual from my loan records. However, as of today, this matter has not been resolved. 

I am requesting the CFPBs assistance to ensure : The servicer immediately corrects their records and removes this unauthorized successor in interest. 

Servicer information : Information Requests and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Virginia XXXX, VA XXXX My loan account and credit report remain unaffected by this error. 

The servicer is held accountable for allowing court documents unrelated to me or my property to impact my mortgage account. 

Thank you for your attention to this matter. 

Sincerely,

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 2025-09-10 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: GA

Complaint narrative:
I am filing this complaint because XXXX is inaccurately reporting a closed auto loan account on my credit reports. 

This account was closed over a year ago, but it is now being falsely updated to show as recently closed on XX/XX/year>. This is factually incorrect and misleading. 

Additionally, the account is being reported simultaneously as a charge-off and a repossession, which violates Metro 2 reporting standards and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), requiring maximum possible accuracy in consumer reporting.

To make matters worse, late payments are still being reported after the account was closed, which is not only inaccurate but has significantly harmed my payment history and overall credit score.

I have disputed this multiple times directly with the credit bureaus and Bridgecrest, but the inaccurate reporting continues. This is severely affecting my financial stability, my ability to obtain housing, and access to fair credit opportunities.

Bridgecrests reporting is also re-aging the account by making it appear more recent than it truly is. This is a direct violation of FCRA 1681c ( a ) ( 5 ), which prohibits outdated information from being reported, and violates my rights as a consumer under federal law.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-09-10 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: NY

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. 

Please delete the following accounts : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal 1988 - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/year> I was the victim of a phone swap scam. That entitled the criminal to gain access to my email, crypto currency accounts, bank accounts, XXXX account, and XXXX XXXX account. They took over everything and stole my crypto assets and in some cases spent money in my accounts buying new crypto and transferring it to another wallet. I did immediately noticed what happened and contact Crypto.com, Coinbase, XXXX XXXX XXXX, Cash App, and XXXX. I have resolved the issue with everyone except XXXX and Coinbase. My Coinbase account is locked and I can not get in to see all of the damage and change my information. I have followed there help process over and over again. They requested a XXXX Complaint - which I completed on XX/XX/year>, I filed a police report on XX/XX/year>, I have sent a photo with my ID in more than XXXX or 3 times, I have emailed several times. My latest Case # XXXX has simply been ignored. I keep getting an email stating they have not heard from me and in XXXX hours the case will be closed. 

Crypto.com has a live chat. I have submitted all requested materials to them including filling out a questionnaire of the incident, provided my ID, a new telephone number, and new email address as well as the original information on my account. I keep getting the run around with them. They just keep requesting the same information over and over again. I have been doing all of this for these XXXX companies since XX/XX/year> with no resolution or response. XXXX is stating they will not refund my losses. I have over {$400.00} in their system which I can not get access to because they will not restore my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am disputing inaccurate information on my XXXX  credit report, Confirmation # XXXX ( dated XX/XX/year> ). This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Consumer Financial Protection Bureau guidelines. 

* * Disputed Items : * * 1. Westlake Services Inc Account * XXXX Status shows Charge Off/Transferred or Sold but payment history lists Repossession. This is internally inconsistent and misleading. Additionally, the balance was transferred, yet Westlake continues to report a {$10000.00} charge-off, creating confusion and duplication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection references the same original debt ( Westlake Services ). Reporting by both Westlake and XXXX causes the debt to appear twice, violating FCRA 1681e ( b ) by creating an inaccurate impression of multiple debts. 



Sincerely, [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have been receiving emails from Cashapp telling me XXXX : You received a direct deposit {$1000.00} : XXXX XX/XX/XXXX XXXX ( UTC )! XXXX I have never applied for asked for this money. 
My past tenants opened bank account in my name on the day they moved out. I have reported identity theft with XXXX XXXX the bank they opened the account online. The have my social security number and home address but used different phone number. The bank gave me this info when I received bank card in the mail to an account I never opened on XX/XX/XXXX ( per the bank ). Police report # XXXX on XX/XX/XXXX XXXX, officers XXXX ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX, and received the card in the mail on XX/XX/year>. The card came with a sticker to confirm receipt of the credit card and " hear how to receive a {$20.00} GIFT CARD ''. When I called the number the next day, XX/XX/year> at approx. XXXX XXXX XXXX, I was asked to verify zip and last XXXX of card number via touch tone, but instead of activating it, I got transferred to a live customer service agent, who asked again for my zip code, my card number, my full name spelled out, my address, then transferred me a second time to a second live customer servicer agent who asked for that exact same information again. I hung up and called again, this time asking the first live customer service agent if our card was activated, but instead of telling me yes/no, asked me how the weather was where I lived. I asked her to simply tell me if the card was activated, and she again asked me what the weather was like, as if reading off of a script. This credit card company was not going to activate the card until they gave me a spiel about a credit protection program ( associated with the {$20.00} Gift Card ) that I was in no way interested in and I still don't know if I have an activated card. I tried calling the regular customer service number on the back of the credit card and got the same group of agents as from the activate credit card sticker. They should be investigated for trying to force new card holders to listen to a service that should be optional and not forced on someone because they are trying to activate the card, and in playing games with requesting information that is not necessary for activating a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts are a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
Re : Credit Report XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account # : XXXX * * * * Dear Equifax, I am writing to dispute the reporting of the above-referenced account under the Fair Credit Reporting Act ( FCRA ), Section 611.

Currently, your bureau reports this account as : Status : Paid Comments : Redeemed repossession ; closed or paid account/zero balance This reporting is inconsistent with Experian ( which reports only Paid ) and TransUnion ( which reports Derogatory Repossession ; redeemed ). Such inconsistencies indicate the information in your file is neither complete nor accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXXXXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$62.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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