vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Someone offered me to work with a company named XXXX XXXXXXXX where they have a platform or website that I need to log-in a complete a set of task and I will earn some comission by doing so. Some tasks need you to deposit your personal funds on the account to complete it. You need to complete the task in order to get your earning including your personal funds. The funds were transferred through coinbase. I have deposited a total of {$5400.00}. The company is now demanding me to deposit another {$5000.00} in order for me to withdraw all my funds claiming I did not follow their withdrawal steps. I have not signed any legal documents or contracts with them and I believe they do not have the legal rights to hold or take my personal money which initially they claim it will be a temporary deposit just to complete a task. I have asked several times to at least just give my personal funds back and they told me I just can report them to any authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
A transaction occurred on XX/XX/2025 for the amount of {$640.00} for information relating to my companies DOT # Ended up finding out that this DOT # that I was charged for can be obtained through the official website instead for free A dispute was submitted to my bank ( TRUIST ) Trust reviewed my dispute & admitted it was fraudulent & yet denied that my credits get returned to my account I have been charged with other fees by the bank after this occurred as well The transaction for the amount of {$640.00} was indeed fraudulent & should not have been taken from me & should most definitely be returned to me ASAP Additional information was also provided by COMPLIENCE that would assist my dispute in getting resolved ASAP

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MD

Complaint narrative:
MY STUDENT LOANS WERE SERVICED BY MOHELA. BOTH LOANS WERE DISCHARGED ( FORGIVEN ) AND FULLY PAID AND CLOSED IN XXXX. MOHELA CONTINUES TO REPORT OPEN BALANCE TO CREDIT REPORTING AGENCIES IN XX/XX/XXXX. AFTER DISPUTING TO CREDIT AGENCIES AND SPEAKING WITH MOHELA CONFIRMING LOAN BALANCE IS XXXX. CREDIT AGENCIES FIX THE OPEN ACCOUNT TO CLOSED IN XX/XX/XXXX. IN LATE XX/XX/XXXX MOHELA STUDENT LOAN ACCOUNT WAS SHOWING OPEN WITH BALANCE ON XXXX  CREDIT REPORTING AGENCIES AGAIN. CONTACTED MOHELA AND THEY CONFIRMED THEY HAVE NO OPEN ACCOUNT AND BALANCE IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CT

Complaint narrative:
Re : Follow-up to Complaint No. XXXX against Sun West Mortgage Company , Inc . 

Dear CFPB Representative, I am writing to follow up on my pending complaint ( No. XXXX ) regarding the mortgage loan assumption process I initiated with Sun West Mortgage Company , Inc. XXXX XX/XX/XXXX. This matter remains unresolved more than 90 days later, despite my full compliance with all documentation requests and even after my attorney submitted a formal letter to Sun West on XX/XX/XXXX. 

When I began this assumption process in XXXX, I was advised that it would take XXXX  days. Despite being conditionally approved multiple times already in the process, I am now at well over 90 days, with no resolution. This unreasonable delay has had significant consequences : it has directly impacted my ongoing contempt case against my ex-husband, which remains unresolved solely because his name has not yet been removed from the mortgage. The court has repeatedly postponed hearings due to the lenders inaction, prolonging my legal and financial uncertainty. 

Under the XXXX XXXX XXXX XXXX XXXX of XXXX, lenders XXXX not obstruct a loan assumption in the context of divorce. While an assuming spouse must meet creditworthiness standards, lenders XXXX not impose improper or unnecessary requirements that cause delay. I have been solely responsible for this mortgage for the past XXXX years and have made every payment on timedemonstrating my clear creditworthiness. Yet Sun West has imposed unnecessary, shifting, and baseless requirements that have stalled the process. For example, they requested a quit claim deed, which has no legal or factual basis under XXXX XXXX property law. My ex-husbands name was already removed from the property and tax records as of XX/XX/XXXX, and I provided all supporting documentation at that time. 

Sun West has also continually requested information that I had already sent in. For example, they falsely claimed that my XX/XX/XXXX paystub and employment verification were delayed, despite proof that both were provided on XX/XX/XXXX. These repeated, unnecessary requests and inaccuracies show a clear pattern of mismanagement. 

Most troubling, on XX/XX/XXXX, Sun West mistakenly sent me another customers private financial records. Although I immediately reported this serious breach, the matter still has never been properly addressed. This raises grave concerns about the companys data protection safeguards and the handling of sensitive customer information, including my own.

This situation has dragged on far longer than is reasonable, caused unnecessary stress, delayed the resolution of court proceedings, and undermined my confidence in Sun Wests compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: WI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$580.00}

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 explanation
Consumer complaint received 2025-09-27 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate, unauthorized, and misleading items appearing on my consumer credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These errors are severely harming my credit standing and financial well-being. 

Specific Issues in My Report : Wrong Address Reported : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX This address does not belong to me and should never have been associated with my credit file. 

Inaccurate Late Payment Reporting : XXXX XXXX XXXX XXXX High Balance {$250.00} Date Opened : XX/XX/XXXX This account is inaccurately reporting late payments. I dispute these derogatory marks as false and unverifiable. 

Unauthorized/Excessive Hard Inquiries : The following hard inquiries were made without my authorization and/or are excessive, creating a misleading and damaging profile : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries appear clustered and XXXX, and I have not authorized many of them. This conduct violates my rights under the FCRA, specifically regarding permissible purpose for credit inquiries. 

Requested Resolution : I respectfully demand the following corrective actions : Immediate removal of the wrong address from my credit file. 

Deletion or correction of the false late payment reporting for XXXX XXXX XXXX XXXX. 

Removal of all unauthorized and excessive hard inquiries listed above. 

A full investigation into the credit reporting agencies and furnishers responsible for these violations, with written confirmation of the corrective measures taken. 

Legal Notice : Under the FCRA, credit reporting agencies and furnishers must ensure maximum possible accuracy of consumer information. Failing to correct or remove inaccurate, unverifiable, or unauthorized data constitutes willful noncompliance, for which I reserve the right to seek damages.

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 2025-09-27 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized and unvalidated credit inquiry reported under the name RESURGENT/LVNV FUNDING with the account number XXXX. Amount {$610.00} Account type : Debt Buyer I have not received any documentation or communication from RESURGENT/LVNV FUNDING that substantiates or validates this inquiry. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debt or inquiry listed on my credit report. Despite my efforts to obtain this information, I have not been provided with any evidence that confirms the legitimacy of this account or inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
I am writing to request unauthorized credit inquiry on my EQUIFAX Credit Report. My latest credit report shows 1 credit inquiry that I did not authorize. 
I am writing to dispute the following inquiry and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am writing to dispute several unauthorized credit inquiries listed on my credit report. I did not authorize the following inquiries, and I request that they be investigated and removed if the information can not be verified : Transunion : Inquiry details XXXX ( Finance ) XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date Removal date C Inquiry date Removal date XXXX XXXX  Inquiry date Removal date XXXX XXXX Inquiry date Removal date XXXXXXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date Removal date XXXX XXXX XXXX XXXX Inquiry date Removal date XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX Inquiry date XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  Inquiry date Removal date XXXX XXXX XX/XX/XXXXXXXX XXXX  Inquiry date Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date Removal date XXXX XXXX  XX/XX/XXXX XXXX  Inquiry date Removal date XXXX XXXX XXXX XXXXXX/XX/XXXX - Multiple hard inquiries reported over the past 24 months - I do not recall applying for credit with many of these companies- Some may have resulted from fraud or errors On XXXX XXXX XXXX XXXX All Bankruptcies need to be removed on XXXX  and XXXX  immediately they are not reporting on XXXX  at all. 

LVNV Funding in the Amount of {$500.00} is reporting on XXXX XXXX XXXX XXXX  and I have never had an account with them and considered Fraud I have been getting harassed by this company for months. 

XXXX XXXX XXXX XXXX XXXX XXXX Record type XXXX  XXXXpetition filed Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record type XXXX XXXX XXXX Original filing date XXXX XXXX, XXXX Latest status date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record type XXXX XXXX XXXXXXXX Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX I need these removed from my XXXX and XXXX  Credit File Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Even though I have a nearly XXXX credit rating and possess several totally paid up credit cards ( as well as all other debts for which I'm responsible ), I am being shut out from eligibility to open new credit cards, now for a period of about a year, by apparently all of the Big Three credit rating companies. It's like I'm being punished : A long time has passed and no change in their reports ; and communicating with them is totally inadequate in terms of getting satisfaction ( like a stone wall ). The reasons they give are : 1 ) TOO MANY INQUIRIES LAST 12 MONTHS, 2 ) INSUFFICIENT TIME SINCE NEWEST ACCOUNT ESTABLISHED, 3 ) LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED, 4 ) RATIO OF REVOLVING BALANCES TO CREDIT LIMITS ARE TOO HIGH, Ratio of credit bureau trades with a balance greater than XXXX, Number of revolving bankcards reported by credit bureau, and NUMBER OF RECENT INQUIRIES ON CONSUMER REPORT. This analyses regarding my credit risk are erroneous and self perpetuating : Each time I try to apply for a new credit card opportunity ( and am denied ) it evidently restarts their clock and I can never get out of this vicious cycle. Please look into this matter and require the Credit Rating Companies to lift these unfair limitations on my ability to enjoy the credit that I have earned and deserve. Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> i was scammed thru cash app then later blocked while trying to buy merchandise from an individual at XXXX XXXX. He sent the payment to his cash app then drove off without giving me anything in return and ive contacted cash apps support team 4 times and its all the same outcome, ive requested a refund but of course it was denied. he's done this to multiple people resulting in his being arrested a few months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
i recieved notice from cash app about transactions on my account they turned out to be unathorizes transactions there were XXXX total XXXX at a business that i have never visited and XXXX at a casino that i did not visit on that day the first XXXX transactions XXXX was aproved as a unathorized the second was not it should be noted that the aproved transaction was for XXXX the second was for around XXXX dollars what i dont understand is that how could one be aproved and XXXX not approved since they were done within minutes and at the same location

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
I am filing this complaint against multiple credit reporting agencies and furnishers of information for serious and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which require that all information reported be accurate, verifiable, and authorized.

Upon reviewing my credit report, I have identified the following inaccurate and unauthorized entries that are causing significant harm to my creditworthiness and financial stability : XXXX. Wrong Address Reporting XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address These addresses do not belong to me and are being incorrectly associated with my profile. Reporting false personal identifiers is a violation of FCRA XXXX ( b ). 

XXXX. Inaccurate Account Information XXXX  XXXX High Balance {$420000.00}, Date Opened : XX/XX/XXXX, showing Late Payment. 
This account is being reported inaccurately. The late payment notation is false, misleading, and not supported by verifiable documentation. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

3. Unauthorized and Excessive Inquiries My report contains numerous inquiries that I did not authorize, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not initiated by me, nor did I provide consent for them. Under FCRA 604, a permissible purpose must exist for every inquiry. Reporting unauthorized inquiries constitutes a violation of federal law.

Requested Resolution I am demanding the following corrective actions : Immediate deletion of all inaccurate addresses from my credit file. 

Removal or correction of the false late payment entry from XXXXXXXX XXXX 

Permanent deletion of all unauthorized inquiries listed above. 

A full investigation conducted within the legally required XXXX timeframe under FCRA 611 .

Written confirmation of corrections and the updated credit report once all errors have been resolved.

Closing Statement These violations have negatively impacted my credit standing, ability to obtain housing, and financial opportunities. If these errors are not corrected, I will escalate my complaint to include legal remedies available under FCRA, including statutory damages, attorneys fees, and potential civil liability against both the credit reporting agencies and data furnishers.

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 2025-09-27 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: NC

Complaint narrative:
I am a victim of identity theft. Checked my credit today and see alot of fraudulent accounts that werent opened by me. I have never gave anyone permission or authorization to open these accounts in my name. Inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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 a victim of identity theft. Checked my credit today and see alot of fraudulent accounts that werent opened by me. I have never gave anyone permission or authorization to open these accounts in my name. Inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
According to 15 USC 1681 I have the right to dispute inaccurate and unverifiable information that is on my credit report. My personal information was involved in a data breach with XXXX XXXX XXXX and as a result, my information was compromised. Ive asked multiple times that this company provide me with proof that I opened this account and or delete it immediately. They have failed to provide me with proof of the ORIGINAL contract with my signature. 

Midland Credit Management XXXX * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Branch Messenger, Inc.
State: FL

Complaint narrative:
I received today a check for {$1.00} from Branch Messenger INC of CA. I have zero transactions with them nor XXXX XXXX  and XXXX XXXX XXXX.which issues the check. 
They seem to have my name and address correct, however I'm concerned that this amount if deposited or cashed at my bank would lead to this company getting my banking information as well. 
Am I correct in assuming this is a scam or can you explain why I received this amount in a check? 
Thank you XXXX

Company response to consumer: Closed with explanation