vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the immediate deletion of fraudulent auto loans that have been reported on my credit file. These accounts were not authorized by me, and I am a victim of identity theft. Despite prior disputes, these accounts have been inaccurately verified and continue to appear on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and relevant provisions of the U.S. Code ( e.g., 15 U.S.C. 1681-1681x ). 

Details of the Fraudulent Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> This account is not mine as it belongs to XXXX XXXX alongside her mother, XXXX XXXX ( due to her not having a valid drivers license, and she drove/operated the car ) and I did not authorize these transactions in any form. I have filed a FTC ( Federal Trade Commission ) /police report and an identity theft affidavit, and I have enclosed copies of both documents along with a copy of my government-issued ID and proof of address. 

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally requesting that these fraudulent items be blocked from my credit file immediately. The continued reporting of these fraudulent accounts is causing undue harm and distress, and you are obligated by law to ensure the accuracy and integrity of the information you furnish to creditors and third parties. 

Enclosures : Identity Theft Report ( FTC and/or police report ) Copy of my government-issued ID Proof of residence ( utility bill or lease agreement ) Please investigate and permanently delete this account from my credit file. I also request a new, updated copy of my credit report reflecting these deletions be sent to me at the address listed above. 

I expect a response within 30 days as required under the FCRA. Should you fail to comply, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office, and I will consider seeking legal action for damages incurred. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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:
My name is XXXX XXXX, XXXX XX/XX/XXXX, XXXX ending in XXXX. On XX/XX/XXXX, I formally disputed an inaccurate and inconsistent XXXX collection account reported by XXXXXXXX XXXXt with account number # XXXX, originally from XXXX XXXX XXXX XXXX XXXX. This account is reported across TransUnion, Equifax, and Experian with multiple discrepancies, including conflicting account statuses ( open vs. charged-off ), inconsistent dates of last activity ( XX/XX/XXXX vs. XX/XX/XXXX ), differing creditor names, and missing or blank fields such as payment history and term/source type. 

These discrepancies render the account unverifiable under the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy under 15 U.S.C. 1681e ( b ) and a reasonable reinvestigation within 30 days under 15 U.S.C. 1681i. It is now XX/XX/XXXX over 30 days since my dispute and I have not received any response or verification from the credit bureaus. 

Under the FCRA, if the information can not be verified within the XXXX period, it must be deleted from my credit reports. Therefore, I am requesting the immediate deletion of this account from my credit files with all three credit reporting agencies. If the account is verified as accurate, I request a full XXXX of XXXX ( MOV ) including the name and contact of the entity that verified it and a detailed description of the verification process. 

Enclosed with my original dispute were copies of my government-issued ID, proof of address, and my credit reports highlighting the disputed account. I expect a written response as required by federal law. 

Requested Resolution : Immediate deletion of the XXXX XXXX XXXX collection account ( # XXXX ) from my credit reports due to failure to verify within the XXXX timeframe mandated by the FCRA.

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 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>XXXX  I tried to transfer my XXXX XXXX  balance to my personal cold wallet. Coinbase put a hold on the transaction and then cancelled the transaction. After that Coinbase put a restriction on my account not allowing me to transfer my crypto out of my account. I am allowed to sell it and transfer the dollar value out. Since then I have called 10 times. 

XX/XX/XXXX- I was informed my account has this restriction and I was being validated along with my account. I was told this would take 3 business days. 

XX/XX/XXXX - My restriction was not lifted, and my case was being escalated to another support team and it was going to take another 2 business days. 

XX/XX/XXXX- Called for status. Restricted access not lifted. Coinbase informed me they were unable to give me a time frame for resolution. 

XX/XX/XXXX- Called for status. Restricted access not lifted. Coinbase informed me they were unable to give me a time frame for resolution. 

XX/XX/XXXX- Called for status. Restricted access not lifted. Coinbase informed me they were unable to give me a time frame for resolution. 

XX/XX/XXXX - Restriction not lifted. This time I was told that Coinbase closed the case and reopened a new case. I was promised by XXXX at Coinbase the restriction would be lifted in 7 calendar days. XXXX XXXX # XXXX XX/XX/XXXX - Restriction not lifted. Coinbase needed to escalate case to another team. This supposedly would be the last team to see. Not time given for completion. 

XX/XX/XXXX- Called for status. Restricted access not lifted. Coinbase informed me they were unable to give me a time frame for resolution. 

XX/XX/XXXX- Called for status. Restricted access not lifted. Coinbase informed me the solution team had a system outage and was unable to give me an update on my case. 

XX/XX/XXXX- I finally was able to get Coinbase to work with me. I was given a form to fill out asking questions to verify I am who I am and my intentions of the transaction. I was told they took the restriction off, but it was put right back on, and they closed the case # XXXX and opened a new case # XXXX with no ETA on resolution. 

It has been over a month, and I have no information or status on why Coinbase is not allowing me transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I noticed I was locked-out of my Marcus ( Goldman Sachs ) account. 

On XX/XX/year>, I called Goldman Sachs to inquiry why my account has been locked? 

After being put on hold multiple times, for extended durations, I was referred to a 'specialist '.

The specialist told me that my account was being 'closed ' and the could not provide any reason. The specialist also could not provide any detail on when the account would actually be closed and when I would receive my funds. Access to my funds is critical and not having tangible ( unambiguous ) information is unacceptable and is creating significant, personal financial liabilities. This problem has also further compounded other issues associated with Goldman Sachs, which has negatively affected my personal finances and my financial well being. 

Goldman Sachs has also destroyed my credit history due to existing issues related to stolen identity and fraud associated with an Apple credit card, that was fraudulently opened under my name. The issues were reported/ communicated instantly to Apple & Goldman Sachs and done so on numerous occasions. They have taken no ( zero ) action to remedy and/or rectify the situation. This situation has destroyed my previously exceptional credit and it has caused hardship, duress and personal ( financial ) instability. I have gotten the complete run-a-round from Goldman Sachs XXXX only amplified by this newest event - i.e. being arbitrarily locked out of my savings account and my personal finances, without any advance notice and without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP
State: IN

Complaint narrative:
I am disputing a charged-off auto loan from Professional Financial Services . In 2021, I purchased a used vehicle that broke down within two months. I attempted to fix the water pump, but the engine failed. The dealer told me I had violated the contract and demanded I return the vehicle. I complied. For two months, they gave me no real updates. Then one day, the car was towed back to my apartment still undrivable and missing parts from the engine bay. The dealership later went out of business.

I never received a working vehicle, refund, or any resolution. I disputed the account with XXXX  and attempted with XXXX. No valid documentation has been provided. This debt is inaccurate and unfair under the Fair Credit Reporting Act. Im asking the CFPB to assist in having this account removed from my credit report, as it reflects a broken contract and incomplete transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Credit Collection Services and XXXX XXXX XXXX C as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please remove these unauthorized fraudulent inquiries see attached

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 2025-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I contacted XXXX XXXXrequesting Bank identity and a statement of all transactions on the loan. I also advise XXXX XXXX that they are not allowed to to report my payments as late. I also advised XXXX XXXX that the balance is incorrect and continues to get higher and higher without an explanation as to why. I also requested information as to how they continually are reporting my account as late- although payment is being made on time per our agreement. And finally-I advised Credit acceptance that they are breaking the law as per 15 US Code 1681 ( a ) - ( d1 ) where they have a no right to report on my credit report " Transactions '' NOR AS LATE-It is illegal for them to do so on a consumer report. They are only allowed to report as either- '' PAID '' or " OK '' nothing else. 
I am including the last payment that was made to XXXX XXXXwhere a different/fraudulant balance is now posted on my credit file then the receipt given after the payment-The dates of late payments-the balance etc is incorrect and illegal.

I also contacted XXXX, Transunion and XXXX  -to verify the reporting information by doing and actual and true investigation into the incorrect information and illegal reporting on my credit report via transactional history and incorrect-non matching balances from XXXX XXXX account reporting status and payment recording.

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 2025-06-22 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: NJ

Complaint narrative:
I contacted XXXX XXXXrequesting Bank identity and a statement of all transactions on the loan. I also advise XXXX XXXX that they are not allowed to to report my payments as late. I also advised XXXX XXXX that the balance is incorrect and continues to get higher and higher without an explanation as to why. I also requested information as to how they continually are reporting my account as late- although payment is being made on time per our agreement. And finally-I advised XXXX XXXX that they are breaking the law as per 15 US Code 1681 ( a ) - ( d1 ) where they have a no right to report on my credit report " Transactions '' NOR AS LATE-It is illegal for them to do so on a consumer report. They are only allowed to report as either- '' PAID '' or " OK '' nothing else. 
I am including the last payment that was made to XXXX XXXX-where a different/fraudulant balance is now posted on my credit file then the receipt given after the payment-The dates of late payments-the balance etc is incorrect and illegal. 
I also contacted XXXX, XXXX  and Equifax -to verify the reporting information by doing and actual and true investigation into the incorrect information and illegal reporting on my credit report via transactional history and incorrect-non matching balances from XXXX XXXX account reporting status and payment recording.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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 contacted XXXX XXXX Bank identity and a statement of all transactions on the loan. I also advise XXXX XXXX that they are not allowed to to report my payments as late. I also advised XXXX XXXX that the balance is incorrect and continues to get higher and higher without an explanation as to why. I also requested information as to how they continually are reporting my account as late- although payment is being made on time per our agreement. And finally-I advised XXXX XXXX that they are breaking the law as per 15 US Code 1681 ( a ) - ( d1 ) where they have a no right to report on my credit report " Transactions '' NOR AS LATE-It is illegal for them to do so on a consumer report. They are only allowed to report as either- '' PAID '' or " OK '' nothing else. 
I am including the last payment that was made to XXXX XXXX-where a different/fraudulant balance is now posted on my credit file then the receipt given after the payment-The dates of late payments-the balance etc is incorrect and illegal. 
I also contacted Experian, XXXX XXXX XXXX -to verify the reporting information by doing and actual and true investigation into the incorrect information and illegal reporting on my credit report via transactional history and incorrect-non matching balances from XXXX XXXX account reporting status and payment recording.

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 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
I am filing a complaint against Mid-Atlantic Finance, which took over my auto loan account from a Buy here Pay Here dealership without my knowledge or consent. I had been making payments directly to the dealership and was not informed in writing that my account would be transferred. I did not authorize or agree to any loan transfers, and Mid-Atlantic Finance has not provided any documentation verifying their legal right to collect on this account. I am concerned that this transfer was done improperly and without proper consumer disclosure. I want CFPB to investigate and ensure Mid-Atlantic finance is complying with federal consumer protection laws and is not reporting this account to the credit bureaus without resolving the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information being reported to my credit report. These remarks have been detrimental to my life and credit health

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 2025-06-23 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: MA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX # XXXX XX/XX/year> -- {$700.00}

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 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX XXXXXXXX XXXX, my vehicle was improperly repossessed despite confirmation from a representative on XXXX XXXX that no repossession was scheduled. I spoke with XXXX XXXX in Loss Recovery that morning, and she confirmed shed submit an improper repossession claim. 

On XXXX XXXX, a representative acknowledged the mistake and said the car was to be returned on XXXX XXXX no one contacted me. I retrieved the vehicle myself, only to discover severe rim damage that rendered the car undriveable. I was forced to sign misleading paperwork indicating a flatbed was used, despite the impossibility of that based on the layout of my property. 

The damage includes a destroyed rim and tire, misaligned suspension, and compromised brakesconfirmed by a XXXX dealership and independent experts. As a realtor, being without transportation has led to significant lost income. Insurance wont cover these damages, and your team has failed to respond meaningfully or accept responsibility.

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 2025-06-22 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I contacted Credit Acceptance-requesting Bank identity and a statement of all transactions on the loan. I also advise Credit Acceptance that they are not allowed to to report my payments as late. I also advised Credit Acceptance that the balance is incorrect and continues to get higher and higher without an explanation as to why. I also requested information as to how they continually are reporting my account as late- although payment is being made on time per our agreement. And finally-I advised Credit acceptance that they are breaking the law as per 15 US Code 1681 ( a ) - ( d1 ) where they have a no right to report on my credit report " Transactions '' NOR AS LATE-It is illegal for them to do so on a consumer report. They are only allowed to report as either- '' PAID '' or " OK '' nothing else. 
I am including the last payment that was made to Credit Acceptance-where a different/fraudulant balance is now posted on my credit file then the receipt given after the payment-The dates of late payments-the balance etc is incorrect and illegal.

I also contacted XXXX XXXX XXXX XXXX -to verify the reporting information by doing and actual and true investigation into the incorrect information and illegal reporting on my credit report via transactional history and incorrect-non matching balances from Credit Acceptance account reporting status and payment recording.

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