vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and related consumer protection statutes. Experians reporting practices have materially harmed me, resulting in years of financial hardship, denials of housing and assistance, and ongoing credit damage.

Violations and Issues 1. Systematic Errors & Cookie-Cutter Investigations Experian has failed to conduct proper reinvestigations under 15 U.S.C. 1681i, instead relying on generic responses and unverifiable data copied from other bureaus.

2. Re-Aging of Accounts Multiple accounts, including charge-offs, have been illegally re-aged in violation of 15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ).

3. Double Jeopardy/ Double Reporting Certain debts are reported twice, by both the creditor and a collector, misleadingly duplicating negative entries in violation of 15 U.S.C. 1681e ( b ).

4. Inconsistencies Across Bureaus The same accounts show different dates, balances, and statuses compared to Equifax and TransUnion, proving Experians failure to ensure accuracy.

5. Willful Non-Compliance Experian knowingly placed false dates and altered information on my accounts without proper verification. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 

These companies, along with Experian, have re-aged accounts, reported duplicates, and failed to verify.

Damages and Hardship Due to Experians unlawful practices, I have suffered : Denials of housing and financial assistance programs. 
Inability to access credit opportunities. 
Emotional distress and financial strain.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: F.H. Cann & Associates, Inc.

Complaint narrative:
I am writing to formally dispute the validity of a utility account that appears on my credit report under my name. I did not open this account, nor did I authorize anyone to do so on my behalf. I am a victim of identity theft, and this account was opened fraudulently using my personal information while I was residing in XXXX. 
Under both XXXX consumer protection laws and the Fair Credit Reporting Act ( FCRA ) ( if applicable due to any U.S. credit reporting overlap ), I have the right to dispute inaccurate or fraudulent information on my credit file. I hereby request the immediate investigation and removal of this fraudulent account from all credit reporting records associated with my name.

Please consider this letter as my formal dispute and request for deletion under applicable laws. In support of my claim, I have enclosed the following documents : A copy of my government-issued ID As required by law, please complete your investigation within 30 days of receiving this dispute. If the account is found to be fraudulentas it clearly isI request immediate deletion from
all records and a confirmation in writing that this account has been removed and will not impact my credit.

Failure to take appropriate action may result in further complaints filed with the provincial consumer affairs XXXX, the Privacy Commissioner of XXXX, or other applicable regulatory bodies. 
Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
I am filing a complaint against XXXX, XXXX XXXX, and Bridgecrest Finance. 

The vehicle I purchased on XX/XX/XXXX suffered a major transmission failure within XXXX weeks, rendering it inoperable for XXXX weeks. This caused over {$6300.00} in lost wages and job loss. 

Bridgecrest Finance is threatening repossession despite : The vehicle being defective Brake/rotor repairs quoted at {$1700.00} Gas door and check engine light defects Registration set to expire XX/XX/XXXX XXXX refuses to replace the vehicle or provide meaningful compensation. 



Supporting timeline attached. 

Exhibit A Timeline of Events Date Event XX/XX/XXXX Purchased vehicle from XXXX XX/XX/XXXX Brake light came on quoted {$1700.00} for brakes/rotors XX/XX/XXXX Transmission failed ; vehicle inoperable XX/XX/XXXX XX/XX/XXXX Vehicle down for XXXX weeks ( transmission repair ) XX/XX/XXXX Vehicle returned gas door wont close, check engine light on XX/XX/XXXX Vehicle drivable for XXXX weeks total since purchase XX/XX/XXXX Temporary registration expires

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: AL

Complaint narrative:
On XX/XX/year>, I discovered and disputed XXXX unauthorized charges on my NetSpend prepaid debit card account. The charges occurred on XX/XX/year> and XX/XX/year>. These charges were processed on random days without my knowledge or authorization and are not consistent with my normal spending activity. 

The only legitimate and consistent transactions were XXXX charges of {$300.00} each in XX/XX/year>. The XXXX charges were unauthorized. As of XX/XX/year>, there were no pending charges, and I only became aware of the unauthorized transactions on XX/XX/year>, at which point I immediately filed a dispute. 

During my own research, I found multiple emails from XXXX XXXX ( dated XX/XX/XXXX through XX/XX/year> ) indicating that unauthorized attempts were made to access my account and that my card was locked for security reasons. If the card was locked as these emails state, it is unclear how transactions were still processed on XX/XX/XXXX and XX/XX/XXXX. 

Additionally, I have not received any text alerts or transaction notifications for over a year, despite being enrolled in this service. I reported this problem to NetSpend multiple times, including when I filed the dispute on XX/XX/year>. Therefore, I could not have acted on transaction alerts because I never received them. 

NetSpend denied my claim on XX/XX/year>, stating that : XXXX. The merchants and charges are consistent with my account activity. 
XXXX. I accessed the online account center during or after the activity but did not block the card or dispute the charges. 
XXXX. I was signed up for alerts and failed to act on them. 

These statements are inaccurate and misleading : The XXXX charges are not consistent with my account activity. Only the XXXX charges of {$300.00} were legitimate. 
I took action immediately on XX/XX/year>, once I saw the unauthorized charges. Prior to XX/XX/XXXX, no such charges were pending. 
Emails from XXXX XXXX prove the card was flagged and locked for suspicious access attempts from XX/XX/XXXX through XX/XX/year>. NetSpend has not explained how charges could be processed on a locked card. 
Their claim about transaction alerts is false, as I have not received any alerts for over a year. This has been an ongoing unresolved issue despite repeated reports.

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
I am disputing a collection account that has been inaccurately reported on my credit file. The furnisher has failed to provide documentation verifying ownership or showing that this account rightfully belongs to me. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation and verification of disputed information. Furthermore, 15 U.S.C. 1692e ( 6 ) of the Fair Debt Collection Practices Act prohibits debt collectors from making false or misleading representations about the legal status of a debt. Reporting this account without verification violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I made my mortgage payment of {$2800.00} through Select Portfolio Servicings online portal. I received an email confirmation on XX/XX/XXXX showing the payment was submitted. However, the SPS system would not allow me to select XX/XX/XXXX as the payment date. The date was grayed out, and the system forced me to choose XX/XX/XXXX instead. This is problematic because : XX/XX/XXXX was a Sunday and I was making my payment before the end of the month, but the system would not permit it. XXXX was a federal holiday, so the ACH debit did not clear my bank until XX/XX/XXXX. Because of this system limitation, SPS is refusing to credit my payment as timely. They are now treating my XXXX payment as if it was missed and assessed default interest charges of XXXX XXXX totaling an approximate charge of {$1900.00}, increasing my monthly obligation to approximately {$4800.00}. This is incorrect and predatory. Under 12 CFR 1026.36 ( c ) ( 1 ) ( Truth in Lending Act/ Regulation Z ), a servicer must credit a payment as of the date received, or if received on a weekend/holiday, on the next business day. My payment was made XX/XX/XXXX and should be credited no later than XXXX. SPSs refusal to apply it correctly has caused unnecessary stress, inaccurate delinquency status, and the threat of foreclosure despite the fact that I paid on time. I have called SPS multiple times to resolve this, but they continue to state they do not accept Sunday payments. This is not consistent with federal law, and their system design unfairly blocks consumers from making timely payments on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

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. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Someone unknown logged in to my coinbase account and took or moved all the money from my acount and coinbase.com can tell anything what happend and it was around XXXX XXXX or more then that have been taken out my acount is under my name XXXX XXXX they have no answer and i have report to my local police and made a police report please call me for any other info XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I submitted a written debt validation request to XXXX XXXX on or around XX/XX/year>, after noticing a collection account in the amount of {$1500.00} appearing on my credit reports with XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I exercised my right to request full validation of this alleged debt. 

To date, I have received no response from XXXX XXXX. They have failed to provide : The name of the original creditor A full breakdown of the alleged debt A copy of any signed agreement or contract bearing my signature Proof that they had legal permission to collect or report on this account Any explanation of how they obtained my personal identifying information without my consent This lack of response is a clear violation of my rights under both FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b, as they accessed and used my consumer information without my written authorization or permissible purpose.

Their continued reporting of this alleged debt without validation also violates 15 USC 1681s-2 ( b ) and 15 USC 1692e ( 8 ), as they are knowingly furnishing inaccurate, unverifiable, and disputed information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I neither opened nor authorized these accounts, and it is unfair for me to be held accountable for them.

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 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SIMM Associates, Inc.
State: LA

Complaint narrative:
XXXX sent bills of XXXX  equipment due, we called and gave them our supplimental insurance info. they had not filed for our secondary, we are getting bills stating insurance pending. I just saw on email that we were turned over to a coll. agency from a bill from XXXX, I called XXXX  ( when you call XXXX  there is always atleast a XXXX XXXX  or more wait ) they said ins. wasn't hooked up, but that it looked like it was put on hold. they told me we didn't owe anything that I should call the dept collector and tell them, and then the debt collector would contact them. I just called the debt company and they said no that XXXX would have to contact them. 
now XXXX won't answer their phone. I can't seem to get any help with this company to help correct this problem of them not submitting our secondary ins. or help with his debt company issue! 

Our account number at XXXX is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
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 XXXX 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 2025-09-04 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: IL

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 XXXX 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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