vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
XXXX XXXX, I invested XXXX in Gemini crypto. Shortly after, the brothers who owned the company stole everyone 's money. After much litigation and a few years, I received an email that the company had settled and that I could get {$2200.00} of my money back. 
-On XX/XX/XXXX, I requested gemini support to send me directions on how to withdraw my dollars and get it into me checking account. I followed the directions they sent me and they took the almost {$2200.00} on XX/XX/XXXX out of my checking. I called my bank and supplied the documentation of my communication and realizing this was a fraudulent transaction, my bank refunded my money immediately. Gemini never responded to any of this. 
XXXX went back to work on trying to access my money and told then that on my previous attempt to get my money out, they took my money instead and I called it fraud. 
-Once I called it fraud, they put my account into a lock status and after almost 100 emails, i have never been able to access my account again. I did report Gemini to the XXXX  XXXX XXXX XXXX XXXX XXXX as they were based in XXXX. They have since renamed themselves from Gemini XXXX XXXX to Gemini XXXX and moved to XXXX  XXXXThroughout my communications to unlock my account, they would sporadically communicate back and then cut me off again. Twice, they asked me to submit a picture of myself along with my drivers license and a sepical number they sent me. The first time was XX/XX/XXXX with a " submission number '' of XXXX. The second time was was on XX/XX/XXXX with a submission number of XXXX. Communication went silent after each submission. 
-The company recently switched to Gemini XXXX in XXXX  and while I can still enter my username and password as of XX/XX/XXXX, the website says it does not recognize my computer and that they will send me a link to verify. The link never comes - I have tried several times. 
The company is a complete scam with no one live to speak to and what seems to be AI responses from their gemini support email, hence the sporadic, meaningless responses. 
Please help me to get what is left of my money back and help to shut this fraudulent operation down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Per federal student aid when I opened a case on XX/XX/XXXX Records indicate MOHELA placed your account on a Remediation Forbearance beginning XX/XX/XXXX, through XX/XX/XXXX. The Remediation Forbearance provides no accrued interest ( 0 % ) however over that time my balance has grown from {$40000.00} to over XXXX. I messaged Mohela on XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX about this issue to do resolution. On XX/XX/XXXX my interest rates were finally corrected back to 0 % and the balanced reduced to XXXX. I spoke to a Mohela rep on XX/XX/XXXX who stated that this was a known issue and the interest would be removed. Now interest is set to begin accruing on XXXX and I would like to pay off these loans but can not until the additional interest is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: WAFD BANK
State: NV

Complaint narrative:
Subject : Formal Complaint Regarding Incident at WaFd Bank XXXX XXXX NV Branch Dear WaFd Bank Customer Relations, I am writing to formally report an incident that occurred on XX/XX/year>, at approximately noon at your XXXX, Nevada branch. 

I visited the branch to request a cash advance using my XXXX XXXX debit card. The teller informed me that the transaction required managerial approval. At that point, the branch manager, XXXX XXXX XXXXXXXX, approached the counter and immediately declined the request, stating, I dont know who you are and you dont have an account here. I asked for a written explanation of the denial, and XXXX XXXX agreed and escorted me to her desk. 

During our conversation, I expressed concern that denying the transaction might not be legally justified, given that I had sufficient funds in my XXXX account and was presenting a valid debit card. XXXX XXXX reiterated that I did not have an account with WaFd Bank and then declined my request to open one, stating that I was too aggressive. 

Unexpectedly, she accused me of mocking her due to her use of an oxygen cannula, which I had not commented on in any way. I responded calmly and noted that the banks security cameras would confirm my behavior. After I provided my contact information, XXXX XXXX read it back to me. When I confirmed the accuracy by saying, Thats what I said, she paused, called me an XXXX, and threw my ID back at me. As I exited the branch, she loudly shouted SEE YA across the lobby. 

I have video evidence of XXXX XXXX calling me an XXXX, accusing me of mocking her, and throwing my ID. 

The video is available at the following link XXXX XXXX XXXX XXXX XXXX XXXX respectfully request that WaFd Bank review the security footage from the branch at the time of the incident and take appropriate action regarding the conduct displayed. I believe this situation warrants serious attention and follow-up. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
dissatisfaction regarding a recent experience with Genesis Finance involving an ACH payment I submitted on XX/XX/year>, for {$49000.00} According to Genesis Finance : You received my ACH payment on XX/XX/XXXX. 
I was later informed via text message that the payment could not be accepted and a refund would be issued. 
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, confirming receipt of my payment and stating a refund had been processed. 
However, on XX/XX/XXXX, I received a statement showing the payment was credited to my account. 
On XX/XX/XXXX at XXXX XXXX EST, I spoke with a customer service representative named XXXX, who initially said Genesis was waiting for my check to clear. I explained that the payment was an ACH transfer, not a check. XXXX later acknowledged that the payment was received, but she could not provide a clear explanation or resolution.

When I requested to speak to a supervisor, I was told, rather curtly, that managers do not take customer calls, and the only recourse was to email XXXX XXXX  and wait two or more days for reviewwithout any follow-up or communication unless I proactively call back. XXXX also refused to escalate the matter beyond an email to XXXX XXXX, stating

it could take five days for a response. This process is unacceptable. I now have conflicting documentation showing the payment was refunded and credited, yet no one at
Genesis is willing or able to explain the discrepancy or offer timely resolution. Additionally, your staffs unwillingness to escalate this issue or provide transparent communication reflects poorly on your customer care standards.

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 2025-07-17 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
several derogatory accounts currently reported on my credit file, which appear to be inaccurate, outdated, and unverified. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request an immediate investigation and removal of any and all unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NV

Complaint narrative:
I am writing to formally dispute inaccurate and derogatory late payment information being reported on my XXXX XXXX XXXX XXXX account on my Experian credit report. The payment history inaccurately reflects XXXX and XXXX late payments for XXXX through XX/XX/year>. This is incorrect, and I demand immediate correction. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I have the right to dispute information I believe is inaccurate or incomplete. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) mandates that data furnishers report only accurate information to credit reporting agencies.

I have disputed this account multiple times, yet Experian has failed to conduct a reasonable and thorough investigation as required under 15 U.S. Code 1681i ( a ) ( 1 ) and 1681s-2 ( b ). I have not received a satisfactory response, nor has the information been corrected. 

Furthermore, my personal information was compromised in a known data breach, raising serious concerns about the integrity and accuracy of any negative data associated with my identity. Given this, Experian has a heightened obligation under 1681c-2 to ensure any disputed or fraudulent information is investigated with appropriate diligence.

I am now formally requesting : 1. A full reinvestigation of the disputed late payment entries.

2. Immediate removal of inaccurate negative marks and updating the status to reflect Paid/Closed Never Late. 
3. A written response with evidence of the reinvestigation, including the method used and the name of the data furnisher.

4. Escalation of this matter, if necessary, for compliance review.

If these errors are not corrected within the time allowed by law, I will escalate this to the Consumer Financial Protection Bureau ( CFPB ) and consider additional legal remedies for willful noncompliance under 15 U.S. Code 1681n.

I appreciate your immediate attention to this matter and expect a resolution within the FCRA-mandated time frame. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX DATES OF INCORRECT LATE PAYMENTS : XXXX, XXXX, XXXX AND XXXX of XXXX DATE 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 2025-07-17 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 am filing this complaint because the credit bureau has continued to report fraudulent account resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent account without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the account, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
In XXXX of 2025 I had been with USAA for 23 years. And for the last year to 18 months Ive been going through identity theft. And its cost me over {$100000.00} to date. USAA told me if I ever seen charges that I didnt recognize or didnt make then I should dispute them. So I did. And they had always found in my favor. Then one day out of the blue I tried using my debit card and it wasnt working. So I called USAA and they proceeded to tell me they were no longer doing business with me! No warning or anything and told me they had sent out a letter telling me which did me absolutely no good. This also caused my account to be frozen and my {$3400.00} was inaccessible and I was told it would take 60 days to get me a check. So they left me absolutely no way whatsoever to pay bills or feed my family. Then they magically found my last disputes I filed that I was at fault even though it was the exact same companies they had found all the charges I disputed to that point to be fraudulent and also only after I filed a complaint with the XXXX XXXX XXXX and comp controller or something like that. So they took {$3100.00} of my {$3400.00}. And each time I would try and call to talk to someone or to return a call from the CEOs office they would tell me they were no longer doing business with me and hang up. This has to be some kind of violation or something?

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 2025-07-17 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: OH

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report .Please see attached dispute letter, ftc report, Identification, social security card, and document to verify address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
My account was closed no sooner then I created it so I am not sure why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: OH

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
on XX/XX/year>, I was contacted by XXXX XXXX with IQ DATA INTERNATIONAL stating that I was being sued for a unpaid debt. I replied to the lawsuit and set a court date. I provided the company with documentation on why I am not responsible for this debt and submitted my evidence to IQ DATA lawyer and the courts. IQ data dropped the lawsuit but still refused to drop the collections inquiry from my credit report and demanded {$3000.00} for the inquiry to be removed even after I provided all the documents clearing me from this debt. They also stated that my time to countersue has passed and that they will not remove the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I recently reviewed my credit profile and discovered several third party companies reporting injurious information about me.I have no relationship with any of these companies .These accounts are causing me to get denied for credit. The FCRA code violations ( XXXXusc XXXX ) ( B ) states that a finiancial institution May Not disclose personal information to a third party.There were never any letters requesting permission from me or disclosures giving me the right to opt out.

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 2025-07-17 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: MD

Complaint narrative:
I recently reviewed my credit profile and discovered several third party companies reporting injurious information about me.I have no relationship with any of these companies .These accounts are causing me to get denied for credit. The FCRA code violations ( XXXXusc XXXX ) ( B ) states that a finiancial institution May Not disclose personal information to a third party.There were never any letters requesting permission from me or disclosures giving me the right to opt out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a victim of identity theft as a result of a data breech. In continuously getting items on my consumer report that I do not recognize or authorized. Please delete and block these. Thank you!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a victim of identity theft as a result of a data breech. In continuously getting items on my consumer report that I do not recognize or authorized. Please delete and block these. Thank you!!!

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 2025-07-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
SunTrust now Truist, and former loan officer XXXX XXXX committed appraisal fraud and lender fraud. Although it was previously tried in the courts, the bank, XXXX XXXX, and other defendants all committed perjury and her testimony is now admitting to breaking state and federal lending laws and causing serious injuries to me. The case is void ab initio due to criminal actions and constructive and actual fraud. Void ab initio declaration makes all previous trial void and as if never existed and is a matter of 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 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A.R.M. Solutions, Inc.
State: WA

Complaint narrative:
ARM Solutions out of XXXXXXXX XXXX did not comply with written mail notification that a XXXX cent debt + {$150.00} collection fee had been sent to collections by XXXX XXXX. I received notification on XX/XX/year> to my email account. 

Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation