vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX  # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  XXXX/XXXX XXXX  # XXXX -- Balance : {$120.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$150.00} - Date Opened : XX/XX/XXXX XXXX  XXXX  XXXX  # CL -- Balance : {$24.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$670.00} - Date Opened : XX/XX/XXXX XXXX  / XXXX  # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
Noticed a collection company on my credit report. Sent out a debt VALIDATION letter to Credit collections via certified mail on XX/XX/year>. Credit Collections received on XX/XX/year>. I have not heard from credit collections via mail at all. They have not validated this debt that they are reporting on my credit report and is harming my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a dispute regarding XXXX accounts currently being reported on my credit report with unclear or vague status designations that XXXX misrepresent the true nature of the accounts, including their charge-off status, and negatively impact my creditworthiness. The accounts in question are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$23000.00}, and AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$20000.00}. The status designations for these accounts are vague, lack an industry-standard definition, and may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that all information furnished to credit reporting agencies be accurate, complete, and not misleading. Despite my prior dispute, these accounts remain on my credit report without verification or clarification. This constitutes a violation of FCRA Section 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation of disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a written dispute notifying you that specific accounts and/or inquiries on my credit report were fraudulent and unauthorized. I cited the relevant sections of the FCRA, including 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 5 ), and 1681s-2, and clearly requested the deletion of those items.

Instead of removing the fraudulent information as required under 15 U.S.C. 1681c-2 ( Section 605B ), your investigation merely verified the items, despite no verifiable authorization existing. This constitutes willful and negligent non-compliance with 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 2025-11-12 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: MI

Complaint narrative:
I am writing to dispute a collection account that is being reported on my credit report. The account in question, Account # XXXX, is listed under XXXX XXXX XXXX. I want to state clearly that this account does not belong to me, and I have no knowledge of it. 

I am requesting that this account be investigated and removed immediately from my credit file, as it is inaccurately affecting my credit and causing me harm. Please provide written confirmation once this matter has been resolved. 

Thank you for your prompt attention to this issue.

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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I sent a letter in XXXX and XXXX of this year by certified mail to them with the same demands as the last one below which was on XX/XX/year>. 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Federal law requires you to respond within 15 days, yet you have failed to respond, and it has been over 30 days. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC. 

I demand the following accounts be verified or deleted immediately.

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 2025-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
I attempted to make a purchase at XXXX XXXX XXXX and the transaction was declined even after 4 attempts. After that every transaction was declined except for those that allowed people to send me money. I have been unable to get the cash from my account since Friday. I have made multiple calls to cash app. They keep telling me to wait by my email and someone will reach out to me. All I want is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I am formally disputing the XXXXYAMAHA MOTOR FINANCE account reporting on my credit file. This account is not mine and is the result of a data breach where my personal information was compromised. I received notice that my information was exposed in a confirmed data breach, which has led to unauthorized accounts being reported under my name. 

Despite multiple disputes and validation requests, XXXXYAMAHA MOTOR FINANCE has failed to provide documentation verifying the accuracy or ownership of this account. I have repeatedly requested validation, including a signed contract, itemized statement, proof of assignment, and verification procedures, but have received no such evidence. 

Furthermore, XXXXYAMAHA MOTOR FINANCE failed to properly investigate or verify this account as required under : 15 USC 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) duty to provide the consumer with a description of the verification process 15 USC 1692g validation of debts 15 USC 1692e ( 8 ) prohibition of reporting information known to be false The continued reporting of this unverifiable and fraudulent account violates these provisions and has caused me significant hardship, including denial of services, credit opportunities, and emotional distress. 

I have also filed complaints with the FTC and XXXX  regarding this fraudulent activity. I am requesting that the CFPB investigate this matter, compel XXXXYAMAHA MOTOR FINANCE and the credit bureaus to provide full verification or immediately remove this fraudulent account from my credit reports to restore the accuracy and integrity of my consumer file. 

ACCOUNT LISTED BELOW : XXXX ) XXXXYAMAHA MOTOR FINANCE Amount : {$1000.00} Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive had multiple calls from debt collectors for things I have no clue about I was formally incarcerated an my social security number was stolen from 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting once again to formally dispute the continued reporting of inaccurate late payment data on several open accounts. This constitutes my fourth request for Equifax, Experian, and TransUnion to conduct a thorough and fair reinvestigation as required by the Fair Credit Reporting Act ( FCRA ) 1681i ( a ). Despite my previous disputes and the submission of supporting evidence, these accounts remain reported inaccurately, indicating that prior investigations were not conducted with the diligence and care required by law. 
XXXX XXXX XXXX XXXX  Balance Owed : {$31000.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$82000.00}

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: GA

Complaint narrative:
Hi my name is XXXX I got a discover card in it was used by someone else in I filled a dispute out in called them but they said they couldnt find fraud because the transactions were the same I made one transaction on the card which I told them I never made any other transaction now I have to pay a lot to fix everything I just want the limit to XXXX in Ill pay that but XXXX dollars i dont think that ok

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I have attached copies of all three closure notices from Capital One ( XXXXXXXX XXXX XXXXXXXX, Cabelas CLUB XXXX, and XXXX XXXXXXXX ), along with my formal complaint letter sent to Capital One requesting reinstatement and clarification. 

These documents show that the same vague explanation was used for each account activity inconsistent with typical customer account usage without any specific reason or evidence. I have also included proof of my timely payments to demonstrate responsible account management. 

These attachments support my request for the CFPBs assistance in obtaining a clear, lawful explanation under the Equal Credit Opportunity Act and Fair Credit Reporting Act, and in ensuring my credit is not negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I've submitted multiple claims ( 5 ) and or Appeals. The claims and or Appeal ending in XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), and a request for replacement of a check ( XX/XX/XXXX ) they supposedly mailed.They failed to follow Reg E : No provisional credit after 10 business days, No resolution within 90 days, No notifications if decisions after 5 days and I still haven't had any resolution to any of the claims and or Appeal for the above mentioned claim and no replacement checks

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
This is a follow-up and escalation to my prior CFPB complaint ( # XXXX ) submitted on XX/XX/XXXX, regarding Bridgecrest Acceptance Corporations inaccurate and inconsistent reporting of Account # XXXX on my credit reports. 

As stated previously, Bridgecrest has been furnishing conflicting and unreliable information to the credit bureaus : XXXX XXXX Account Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date of Last Payment XX/XX/XXXX XX/XX/XXXX These material discrepancies demonstrate that Bridgecrest has failed to ensure accuracy and integrity of data as required by the Fair Credit Reporting Act ( FCRA ) and 12 CFR Part 1022, Subpart E ( Regulation V ). 

On XX/XX/XXXX, Bridgecrest responded to the initial complaint only to say : Bridgecrest is currently researching these concerns and will be responding as soon as possible. 

As of XX/XX/XXXX, no further response, investigation results, or corrective action has been received. This prolonged inaction violates both the 30-day reinvestigation requirement and the duty of furnishers to respond to consumer disputes in good faith. 

Bridgecrests conduct represents continued violations of federal consumer protection law, including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or believed to be inaccurate. 

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation and report accurate results after notice from a CRA. 

15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed information within the statutory time frame. 

12 CFR 1022.42 ( a ) Failure to maintain policies to ensure data accuracy and integrity. 

Metro 2 Reporting Standards Improper handling of charge-off accounts, inconsistent date fields, and static balance reporting contrary to CRRG guidance. 

Bridgecrests boilerplate response and refusal to engage in a substantive investigation show a pattern of willful noncompliance under FCRA 1681n and 1681o. Please reference compliant id # XXXX. 

Because Bridgecrest continues to report inaccurate and unverifiable information, my credit profile remains distorted across all three bureaus. I have experienced : Credit denials and increased interest rates on loan applications. 

Lower overall credit scores due to inconsistent negative data. 

Emotional and financial stress from prolonged inaction and refusal to comply. 

This ongoing harm demonstrates that Bridgecrests current dispute process is neither fair nor compliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
My co-borrower and I applied for a conventional loan with Rocket Mortgage to purchase a condo in XXXX XXXX XXXX, NC. We were approved and scheduled to close on XX/XX/year>, but Rocket suddenly reversed course on the day of closing. 

Throughout XXXX, we were repeatedly told that Rocket only needed to verify minor items such as the purchase-agreement addendum and VOE ( Verification of Employment ). On XX/XX/XXXX, Rockets banker, XXXX XXXX, confirmed that if the repairs clause was removed from the contract, the loan could proceedso we amended the PA accordingly. Despite that, Rocket later claimed the loan was denied because the HOA lacked a Building Ordinance or Law ( BOLE ) insurance endorsement. 

That BOLE issue was never raised before the closing date. In fact, on XX/XX/XXXX, our real-estate agent was told by the sellers attorney that Rocket had already informed them the closing was off, while Rocket continued to tell us everything was moving forward. Only on XX/XX/XXXX at XXXX XXXX  did XXXX call saying Rocket was unable to proceed. The adverse-action notice later listed Collateral Unacceptable Property Type, which contradicted earlier explanations ( first repairs, then BOLE ) .

We believe Rocket misrepresented material facts, introduced new internal conditions after clear-to-close, and provided XXXX conflicting reasons for denialviolating federal lending and consumer-protection standards. We also requested preservation of all call recordings, internal emails, underwriting notes, and system logs to prevent spoliation. 

We have since re-applied through another lender ; Fannie Mae has confirmed BOLE coverage can be added, and the same property is now closing successfullyproving Rockets reasoning was false and internally driven. 

This ordeal caused unnecessary delay, stress, and reputational harm. We request the CFPB investigate Rocket Mortgages conduct for potential misrepresentation, procedural negligence, and unfair denial practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Payment History show that I have missed or had late payments. Please remove any late payment from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
I am submitting my formal follow up dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately.

Company response to consumer: Closed with non-monetary relief