vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I had a XXXX XXXX XXXX  credit card several years ago. My limit was {$1000.00} or {$1200.00}. The original balance on my credit report shows {$1600.00} with XXXX XXXXXXXX XXXX  as the original creditor and somehow the balance grew to {$2000.00} as of XX/XX/year>. In XX/XX/year> the balance grew to {$2000.00} and I paid the {$2000.00} in full. After the bill was paid in full, LVNV is now giving me a new balance of {$25.00} on my credit after I paid it off. For some reason balance keeps increasing. 

I called LVNV Funding to ask them to remove the {$25.00} new balance that they started, but I got hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase locked my account and wont let me withdraw. My account is verified and they locked it for no reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CO

Complaint narrative:
I moved from XXXXXXXX XXXX XXXX XXXX XXXX and contacted XXXX to cancel my service before relocating. Despite canceling the service and no longer living at that address, I was still charged {$42.00} by XXXX on XX/XX/2025. 

I disputed this charge with U.S. Bank, explaining that the service had been canceled and I did not receive or use it after moving. However, U.S. Bank declined to resolve the dispute and has not been helpful in addressing the unauthorized charge. 

I am requesting assistance in resolving this issue, receiving a refund for the improper charge, and ensuring companies do not bill customers for services they have canceled.

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 2025-10-21 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: NY

Complaint narrative:
Two of my accounts have been affected by bank errors related to billing and reporting. According to TILA ( 15 U.S. Code 1666 ( b ) ), creditors are legally obligated to ensure that all payments and credits are accurately recorded. However, payments I made toward these accounts were not properly applied, and the reported amounts show clear calculation discrepancies. Additionally, I was not provided with the required 21-day notice before payments were due, making any reported late marks invalid. These inaccuracies violate federal law and have caused unfair harm to my credit.

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 2025-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
SHELLPOINT MORTGAGE SERVICING was called on Friday XX/XX/XXXX and until today Tuesday XX/XX/XXXX they have failed to provide me with a Verification of Mortgage on my HELOC. I have called them multiple times and each agent gives misleading information and setting a false customer expectation on when I would receive a verification of mortgage. 


The customer service representatives have been incompetent and have stated that they can not present a supervisor to speak with directly. They have no formal structure of escalating the call and they have falsely claimed that the supervisor would reach out to me only to find out that they had false and inaccurate contact information on my account profile that I never provided to them in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I signed a contract XXXX with XXXX XXXX and XXXX for solar panels to be placed on my home. The loan with XXXX was for {$55000.00} with 1.98 % interest. XXXX placed a Notice of Commencement on my property. The solar company XXXX XXXX installed the solar panels within the same week. XXXX XXXX never returned to complete the process or the home inspection. XXXX XXXX went out of business. I was left with the loan. XXXX attempted to hire a new contractor to finish completing the installation. However, the new contractors refused to provide a new installation contract to complete the work. I am not willing to allow another company to work on my home under the old contract with XXXXXXXX XXXX as they are no longer in business and filed for bankruptcy. XXXX XXXX  were found liable. I need assistance with resolving this issue on my credit report and Notice of Commencement on my property. I was scammed and left with the loan. Please let me know if you can assist me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I signed a contract XXXX with XXXX XXXX and XXXX for solar panels to be placed on my home. The loan with XXXX was for {$55000.00} with 1.98 % interest. XXXX placed a Notice of Commencement on my property. The solar company XXXX XXXX installed the solar panels within the same week. XXXX XXXX never returned to complete the process or the home inspection. XXXX XXXX went out of business. I was left with the loan. XXXX attempted to hire a new contractor to finish completing the installation. However, the new contractors refused to provide a new installation contract to complete the work. I am not willing to allow another company to work on my home under the old contract with XXXX XXXX  as they are no longer in business and filed for bankruptcy. XXXX XXXX were found liable. I need assistance with resolving this issue on my credit report and Notice of Commencement on my property. I was scammed and left with the loan. Please let me know if you can assist me with this matter.

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 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
I opened account in XXXX  and followed what need to be done to earn XXXX $ extra in XXXX ( XXXX ) as that was promotion for making purchases to gain this XXXX $ - I received confirmation email that all I did is enough and I will receive the extra XXXX XXXX but money never came nor being deposited nor anyone can explain why ( also XXXX have hundreds posts about exactly the same cases - XXXX XXXX just attracting customers to use them but then not paying promotional cash! ) this is the email I received from them on XXXX XXXX XXXX  : Welcome to the Club! You've achieved Recruit status. 
You've earned {$75.00} in the crypto of your choice since you achieved Recruit status. You and your referrer will receive your rewards starting 30 days after you created an account. 

You can still level up to a higher status to earn you and your referrer even more rewards! If you qualify for Icon or Legend status, the 12-month time period also starts 30 days after your account creation. Trading fee commissions will be credited to your account in the crypto token youve selected in Rewards Hub. 

Don't forget to update your XXXX app to ensure you're getting all the latest features. 

Start referring friends to multiply your rewards!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-21 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
The listing of this account has been emotionally burdensome and mentally draining. All necessary documentation is enclosed for its immediate deletion.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX XXXX American Express unilaterally closed all of my credit card accounts, including my Platinum Card, Gold Card, Delta Card and two Blue cash everyday Cards. 

The only reason provided was " indicia of misuse. '' I contacted customer service via online chat multiple times ( speaking with reps XXXX and XXXX ) asking for specific details of this " misuse '' and which clause of the Cardmember Agreement I violated. They were unable to provide any specific information and only gave generic examples that do not apply to me ( such as gambling, which I have never done ). 

My primary complaint is that American Express refuses to refund the annual fees I paid for these cards. 

Customer service 's justification for this refusal is that the cancellation occurred more than 30 days after the annual fees were billed. This 30-day refund policy is intended for voluntary cancellations initiated by the cardholder. 

It is unfair and unjust to apply this policy to an involuntary account closure initiated by Amex. I paid for a full year of services and benefits, and Amex chose to terminate those services mid-year. They are now keeping the money for services they are refusing to provide. 

This action is unacceptable. Amex can not close my accounts without specific cause and then retain fees for services they have not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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, XXXX XXXX, am filing this CFPB complaint against Experian Information Services LLC for willful and negligent violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and UCC 1-308. 

I submitted a formal reinvestigation and deletion request on XX/XX/XXXX, with complete proof of identity, residence, and identity-theft documentation. I have also sent previous letters, but Experian either failed to respond within 30 days or issued stall letters. My personal data was compromised in the XXXX XXXXXXXX XXXX ( Engagement No. XXXX ) and eight other breaches confirmed through XXXX, yet Experian continues to report fraudulent, inaccurate, and duplicate data. 

Fraudulent and Inaccurate Accounts : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1700.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$6300.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$870.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX  Charge-Off {$2100.00} XXXX. XXXX / XXXX XXXX {$0.00} ( still derogatory ) XXXX. XXXX XXXX XXXX XXXX ( SECU ) Charge-Off {$6600.00} Duplicate/Redundant Reporting : XXXX XXXX XXXX XXXX listed twice as charge-offs XXXX XXXX XXXX duplicate entries under different IDs XXXX XXXX XXXX repeated collection entries XXXX XXXX XXXX XXXX inconsistent charge-off data XXXX XXXX XXXX XXXX  duplicate listing of same debt Unauthorized Hard Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Incorrect Personal Information : Only XXXX XXXX XXXX XXXX XXXX XXXX is valid. 
All other addresses and employment listings are inaccurate and must be deleted. 

Evidence and Enclosures Provided to Experian : 1. Driver License ( proof of identity ) 2. Social Security Card ( proof of SSN ) 3. Proof of Residence ( utility bill and/or bank statement ) 4. XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) 5. Screenshots from XXXX ( 8 confirmed breaches ) 6. Notarized Identity Theft Affidavit 7. Three-Bureau Report highlighting inaccuracies Violations : Experians actions violate FCRA 1681e ( b ) ( accuracy ), 1681i ( a ) ( reinvestigation ), 1681c-2 ( a ) ( blocking identity-theft data ), and 1681b ( f ) ( unauthorized inquiries ). Their failure to delete, block, or correct fraudulent data after receiving full proof constitutes willful non-compliance under 1681n and 1681o.

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 2025-10-21 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
The continued presence of this account has been mentally taxing and emotionally difficult. All supporting evidence is provided for prompt resolution.

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 2025-10-21 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: FL

Complaint narrative:
Subject : Equifax Failure to Conduct Reinvestigation After Receiving Sufficient Identifying Information ( 15 U.S.C. 1681i ) I am filing this complaint against Equifax Information Services LLC for failure to conduct a reinvestigation of disputed credit information as required by the Fair Credit Reporting Act ( FCRA ). 
On or about XXXX [ insert USPS delivery date ] XXXX, I mailed a written dispute to Equifax via certified mail. That package included my full legal name, date of birth, current and former addresses, and a copy of my passport cardinformation sufficient under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) for Equifax to identify my file and begin its reinvestigation. Delivery was confirmed by USPS.

Instead of reinvestigating, Equifax sent two form letters dated XX/XX/XXXX and XXXX XXXX XXXX, each claiming it was unable to locate a credit file and demanding that I resend identification documents ( full SSN and proof of address ). These stall letters improperly delay or reset the 30-day statutory clock. The FCRA does not permit a consumer reporting agency to suspend or restart the reinvestigation period once sufficient identifying information has been provided.

Equifaxs conduct violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate within 30 days 15 U.S.C. 1681i ( a ) ( 3 ) improper refusal to reinvestigate a file that can be identified 1681n and 1681o negligent or willful noncompliance Relief Requested : 1. Immediate reinvestigation based on the identifying information already supplied 2. W
ritten acknowledgment that Equifaxs XXXX XXXX letters do not reset or suspend the statutory deadline 3. Correction or deletion of the disputed inaccurate accounts 4. Confirmation that Equifax will comply with 1681i in future disputes Evidence Attached : Original dispute letter ( certified mail copy ) USPS delivery confirmation Equifax letters dated XX/XX/XXXX and XXXX XXXX XXXX  Photocopy of passport card used for identification Timeline summary showing delivery and response dates I request that the Consumer Financial Protection Bureau compel Equifax to perform the reinvestigation required by law and verify compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
am filing a complaint regarding a collection account being reported by Portfolio Recovery Associates that I do not recognize. I have never received any notice or validation of this debt, and I do not believe it belongs to me. 

I checked my credit report on XXXX and noticed this account was added without my authorization or knowledge. I contacted the credit bureaus to dispute it, but the company has not provided any proof or documentation showing that I owe this debt. 

I am requesting that Portfolio Recovery Associates provide full validation of this debt, including the original creditors name, account number, and proof that I am legally responsible for it. If they can not verify it, I ask that it be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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