vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I had a debt on my business card American Express, I closed it. I make a plan with XXXX, I pay XXXXXXXX XXXX  every month to pay the debt which is done every month directly with American and then now I want to purchase a home and when they pull up my personal credit report they see the business card as a collection I didnt know that my business account would reflect on my personal credit report as a collection. And when I called American Express they told me its not a collection since it is not a third party and my account with them is in good standing because I am paying the debt. How this can be removed on my personal credit report please? Because I am paying directly American Express there is no third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
These inquiries appear to be unauthorized and XXXX indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Subject : Urgent Assistance Needed Regarding Incorrect Late Payment Reporting Westlake ( Account Number : XXXX ) To Whom It May Concern, I am writing to file a complaint regarding an incorrect late payment reported by Westlake on my credit report, which has prevented me from closing on a home purchase. 

At the beginning of XX/XX/year>, a late payment from XXXX was added to my account ( Westlake Account Number : XXXX ). This immediately stopped my mortgage approval process, and I was unable to close on my home as scheduled on XX/XX/year>. 

I attempted to resolve this issue by contacting Westlake directly. However, I discovered there is no way to reach the department responsible for these updates. Even Westlake supervisors were unable to contact them and could only submit internal tickets. Because this process was taking too long, I escalated the matter by contacting the chairman of the company directly. Who then referred me to the Director of Compliance.

The Director of Compliance confirmed in writing that he did not see any record of this late payment being reported. I have attached the Director of Compliance letter for your reference. I forwarded this letter to my lender, who then contacted the credit bureaus. All three bureaus initially agreed to remove the late payment. However, Experian later moved the late payment to XXXX instead of removing it entirely. When my lender followed up with Experian, they stated they would not remove it, despite having proof from Westlakes chairman that the late payment was invalid. 

This situation has been ongoing for weeks, and it has caused me significant financial and emotional stress. I have supporting documentation, including the chairmans letter, to show that this late payment should not have been reported. 

I respectfully request that the Consumer Financial Protection Bureau assist me in rectifying this issue. Specifically, I ask that the inaccurate late payment be removed immediately from my Experian credit report, so I can move forward with purchasing my home. 

Thank you for your time and assistance. Please let me know if you require any additional documentation. 

Sincerely, XXXX XXXX XXXX. 
Phone # 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 2025-08-27 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account XXXX in Dispute : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXXccount Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
Company will not prove debt is mine. I have disputed many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Request for Refund Due to Coinbase Wallet Breach and Product Failure ( Ref. # XXXX, XXXX Complaint, APS Intake ) I was defrauded by impersonating Coinbase staff, who directed me to use the official Coinbase Wallet. The wallet displayed a false balance of XXXX XXXX under a mislabeled network, but the Receive address was actually an XXXX address with a {$0.00} balance. Believing the balance was real, I was pressured into sending fees and lost funds. This shows Coinbase Wallet allowed fake networks and false balances without consumer protections. 

Beginning in XX/XX/year> and continuing through XX/XX/year>, I was instructed by individuals impersonating Coinbase employees ( XXXX and XXXX ) who contacted me through messaging apps. They directed me to download the official Coinbase and Coinbase Wallet apps from the App Store. Using Coinbase logos and titles, they appeared legitimate and instructed me to set up a 12-word recovery phrase. 

I deposited funds through Coinbase, XXXX, XXXX ATMs, XXXX, and XXXX, then transferred them to wallet addresses provided by the scammers. Once transferred, the funds could not be recovered. 

The exploitation was compounded by Coinbase Wallet itself. The app displayed a false balance of XXXX XXXX under a custom network labeled XXXX. When I pressed the Receive button, the wallet generated an XXXX address ( XXXX ). On XXXX, this address shows XXXX XXXX and {$0.00} value, proving that the Bitcoin balance displayed in Coinbase Wallet was fraudulent. Believing it was real, I was pressured to pay multiple activation and gas fees, which caused significant financial loss. 

This is not solely a third-party scam Coinbase Wallets design flaw allowed scammers to add a fake Bitcoin network, copy the name of a legitimate blockchain, and display a false balance linked to a worthless XXXX address. Coinbase provided no safeguards or warnings against mislabeled networks, which left consumers unprotected. This is a product defect and an unfair/deceptive practice under consumer protection law. 

This matter is documented with multiple agencies : Coinbase XXXX XXXX. # XXXX XXXX Complaint ID : XXXX League City Police Department Case No : XXXX XXXX XXXXXXXX XXXX Services Intake No : XXXX ( Worker ID : XXXX ) I am requesting reimbursement for my losses, a written explanation from Coinbase of how its Wallet could be manipulated to show false balances, and corrective action to prevent future consumers from being misled in this way. * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Subject : Urgent Assistance Needed HELOC Loan Transfer to Shellpoint I am trying to resolve confusion with my HELOC loan that was transferred from XXXX XXXX to Shellpoint. 

Loan amount : {$120000.00} HELOC Transferred to : Shellpoint Account statement received shows a {$100000.00} balance due in full by XX/XX/XXXX, which makes no sense. 

I attempted to set up online access, but no loan information is available. I was told I needed to wait for a XXXXdelivered code, which I never received. 

I have repeatedly tried the numbers provided ( XXXX and XXXX ), but neither is functioningI only reach a try again later message. 

At this point, I have : No accurate balance information No clear due date for payments No valid payment address or method Please advise immediately where payments should be sent, the correct amount owed, and how I can access my account. 

Thank you for your urgent attention to 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sent {$290.00} to a friend for a XXXX, for my brothers birthday to XXXX XXXX. and labeled it Mikeys birthday because we are required to put a note before sending. now i accidentally put the Cuban flag ( ) instead of the XXXX XXXX flag. ( ) And that resulted in Cashapp thinking i was fraud or drug dealer in XXXX. because of the Cuban flag. So they locked my whole account and took the {$290.00} ( it has been pending since i sent it ) which was on XX/XX/XXXX. And i also can not transfer my funds but i can still receive for some reason but they are holding my funds without helping me resolve this problem I have left multiple emails on the reasoning of the mistaken flag i have called multilple times and they have not gotten back to me whatsoever nr provided information about unlocking my account and its been a month. 


So i have resulted to here because i donot feel heard over my own money and nothing is being done so im am hoping you can resolve this and get my account unlocked thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. 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 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Consumer Complaint Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am submitting the attached formal complaint for your review and record regarding XXXX XXXX XXXX. This matter involves mishandled payment deferments, misinformation, account mismanagement, and unfair treatment from XX/XX/XXXX through XX/XX/XXXX. 

The attached letter provides a full timeline of events, including : - XXXX  failure to properly process a deferment request. 
- Contradictory and misleading instructions from multiple representatives. 
- Harassment via excessive collection calls and repossession threats. 
- Credit damage and financial harm resulting from XXXX  admitted errors. 

I am requesting regulatory review of this matter and formal oversight to ensure XXXX XXXX XXXX corrects my account, restores my credit, and waives all improper charges. 

Thank you for your attention and assistance. Please confirm receipt of this complaint.

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 2025-08-27 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: TN

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XXXX XXXX I checked the mail ( after XXXX out of town, in IL ) and received several letters stating there was a credit inquiry in my name and I also received a business credit card from XXXX 's XXXX none of which I requested. 

Amongst the letters was the first statement mailed for the XXXX 'XXXX XXXX   credit card, under " XXXX XXXX XXXX XXXX ''. A single charge on XX/XX/XXXX in the amount of {$1600.00}. Description of transaction is : " STORE XXXX XXXX XXXXXXXX NJ ''. Ref. XXXX XXXX XXXX XXXX ''. 

I checked my credit alerts on my XXXX app and it states that there was a credit inquiry under my name on XXXX XXXX, XXXX by " XXXX  XXXX XXXX Solutions ''. I did not request or authorze this inquiry. 

After a second XXXX  agent was able to see this inquiry they transferred me to the XXXX department. The first agent did not find the inquiry and after I called XXXX  and XXXX I called XXXX  back and mentioned the " business '' part, then the inquiry was found in the system. The XXXX agent gave me instructions on how to proceed. 

I called XXXX XXXX  ( XXXX ) to alert them of the fraud and cancel the credit card. The rep could not answer the questions I had since the account was fradulent and provided me with the contact support numbers for law enforcement to use ( only ) : Fax : XXXX ; Ph : 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
A few months ago I called and opted out of marketing and specifically requested Freedom Mortgage stop calling me about borrowing money against my house ever again. Freedom Mortgage confirmed I had opted out of marketing and told me it was done over the phone, no forms necessary. 

They have called almost daily ever since. They skip the ring so I can't answer it and go straight to voicemail. I've tried calling the number back to complain and the call just drops every time you select any of the extensions. This is abusive behavior is a clear violation of the 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 2025-08-27 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: NV

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and XXXX to request immediate investigation and correction of inaccurate and misleading information reported on my credit file. The inaccuracies are affecting my creditworthiness and causing financial harm. Below are the detailed items requiring correction, along with the relevant laws violated and my account history. 

Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Law : FCRA XXXX XXXX ( a ) Right to Dispute Inaccurate Information Issue : This address is not mine and has never been associated with me. Reporting this address is inaccurate and misleading. 
Story : I have never lived, rented, or had any financial or personal accounts associated with XXXX XXXX XXXX XXXX, XXXX, TX. Its presence on my credit report is incorrect and XXXX have contributed to mistaken identity or inaccurate credit scoring. I request immediate verification and removal of this address from my credit file. 

Address : XXXX XX/XX/XXXXXXXX XXXX XXXX, TX XXXX Law : FCRA XXXX XXXX ( a ) Duty to Reinvestigate Disputed Information Issue : This address is incorrectly reported on my credit file. 
Story : I have no history of residence, billing, or transactions at XXXX XXXX XXXX XXXX XXXX XXXX, TX. Including this address in my credit report is a clear inaccuracy. I request that the bureau reinvestigate and delete this wrong address promptly. 

Account : XXXX XXXX Date Opened : XX/XX/year> High Balance : {$720.00} Law : FCRA XXXX XXXX ( a ) ( XXXX ) & Section XXXX ( a ) Right to Obtain Verification of Account Accuracy and Dispute Inaccurate Items Issue : Late payment reported inaccurately. 
XXXX : This accounts late payment is not accurate based on my records. I have consistently made timely payments, and reporting a late payment is misleading and harms my creditworthiness. I request that the bureau obtain proper verification from the creditor, and if they can not validate the late payment, it must be removed immediately. 

I request the CFPB and XXXX to ensure that all the above inaccuracies are promptly corrected, all false addresses deleted, and inaccurate late payments removed. This inaccurate reporting violates my rights under the FCRA and is causing real financial harm. I am requesting written confirmation once these corrections have been made and immediate notification to all parties that received the inaccurate information.

Company response to consumer: Closed with non-monetary relief