vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
All three major credit reporting agencies reduced my credit score by approximately XXXX points about two months ago. The information that was used had already been taken into account by the three credit reporting agencies because it occurred in XXXX. The account with XXXX had been resolved in XX/XX/year>. I applied for an XXXX credit card issued through XXXX XXXX about 45 days ago. I was issued an XXXX XXXX with incredibly low limit. 

Over the past several years, I have taken out personals with amounts up to {$60000.00}. Since my XXXX XXXX being lowered unfairly, I have obtained an XXXX XXXX card with a {$30000.00} limit. 

A hard inquiry of my credit was done. All three agencies used information from XX/XX/year> to reduce my credit score by approximately XXXX points. This information from XXXX  had already been taken into account when computing my score of around XXXX. 

I want my score returned to XXXX by all three agencies. 

Sincerely XXXX XXXX XXXX XXXX XXXX ( Retired XXXX XXXX XXXX XXXXXXXX If you need any additional information, please contact me.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
All three major credit reporting agencies reduced my credit score by approximately XXXX points about two months ago. The information that was used had already been taken into account by the three credit reporting agencies because it occurred in XXXX. The account with XXXX had been resolved in XX/XX/year>. I applied for an XXXX credit card issued through XXXX XXXX about 45 days ago. I was issued an XXXX XXXX with incredibly low limit. 

Over the past several years, I have taken out personals with amounts up to {$60000.00}. Since my XXXX XXXX being lowered unfairly, I have obtained an XXXX XXXX card with a {$30000.00} limit. 

A hard inquiry of my credit was done. All three agencies used information from XX/XX/year> to reduce my credit score by approximately XXXX points. This information from XXXX  had already been taken into account when computing my score of around XXXX. 

I want my score returned to XXXX by all three agencies. 

Sincerely XXXX XXXX XXXX XXXX XXXX ( Retired XXXX XXXX XXXX XXXXXXXX If you need any additional information, please contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
This is not my account. I told them it was a fraudulent account. Theyve continued to text me in regards to this account and its not my account. I live in XXXX Tennessee. Ive been living here for quite some time now. Dont know when this account was open or how this account was open, but its not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I opened a new Wells Fargo credit card in XX/XX/year>. When I tried to enroll in online banking, I was told I must verify my identity in person at a branch because I had a prior Wells Fargo account under a different name. There are no Wells Fargo branches in my state ( Rhode Island ), and the nearest branch is 60 miles away in Connecticut.

I offered to verify my identity remotely by uploading my Social Security card, drivers license, divorce decree, and tax return, but Wells Fargo refused. This means I can not use the Wells Fargo mobile app or online banking only phone transactions.

Other banks and even federal agencies allow secure remote identity verification ( document upload or video call ), but Wells Fargos refusal makes my account access unnecessarily difficult and outdated. I am requesting that Wells Fargo provide a secure remote verification option or make an exception in my case so I can fully access my 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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The creditor has reported my account as charged off/profit and loss to the credit bureaus, indicating the debt has been written off. According to IRS regulations ( 26 U.S.C. 6050P ), cancellation of {$600.00} or more of debt should result in the issuance of Form 1099-C to the debtor.

I have not received a 1099-C for this account, yet the creditor continues to report it as a loss while also updating my credit file monthly as if it remains an active delinquency. This creates an inconsistent and potentially misleading record.

I request that the CFPB require the creditor to either : Provide a copy of the Form 1099-C issued for this account, or Explain in writing why no 1099-C was filed despite the account being deemed a profit and loss write-off.

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
* * Issue * * : Coinbase has held my XXXX ETH deposit since XX/XX/XXXX without crediting it to my account, swept it to another wallet on XX/XX/XXXX, without notice or authorization, and provided evasive support, including locking my account during a dispute. Based on when these funds were deemed accessible by Coinbase, they should have been made available in my account since XX/XX/XXXX. 

* * XXXX * * : - * * XX/XX/XXXX * * : Deposited XXXX ETH via XXXX ( unsupported then ) to my Coinbase wallet. Funds arrived ( XXXX proof available ) but were not credited, labeled " lost '' per policy. 
- XXXX XXXX XXXX XXXX XXXX : Multiple support cases opened ( IDs : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). Responses were inconsistent, cases closed unresolved, or cited undelivered emails ( proven false via test transactions ). 
- * * XX/XX/XXXX * * : Uncredited XXXX ETH transfer on XXXX ( hash : XXXX ) to Coinbase-linked address ( XXXX ). 
- * * XX/XX/XXXX * * : XXXX ETH swept to Coinbase-controlled wallet without notice or credit ( XXXX proof available ). 
- * * XX/XX/XXXX * * : During a 2-hour support chat, reported sweep ; after mentioning legal action, account locked for " security reasons. '' Chat ended with me blocked ( screenshots available ). 
- * * XXXX XXXX XXXX * * : Filed XXXX  complaint ; email to legal @ coinbase.com bounced. 

* * Evidence * * : - XXXX  records for XXXX deposit, XX/XX/XXXX sweep, and XX/XX/XXXX transaction. 
- Support screenshots : chat transcript, case closures, test transaction proofs. 
- Case IDs listed above ; XXXX  filing ( ID available ). 

I can provide all details, including links, screenshots, and other evidence, upon request. 

I can provide all evidence, including screenshots, links, and exchanges with Coinbase staff. Thank you for reviewing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XX/XX/year> Central Portfolio Control Attn : Collections Department XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX RE : Debt Validation & Cease Communication To Whom It May Concern, I am formally disputing the alleged debt you claim I owe and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Until you provide proper verification, you must immediately cease all collection activities, including reporting, furnishing, or verifying this account with any credit reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Provide the following : 1. The name and address of the original creditor.

2. The original account number.

3. The date the alleged debt was incurred.

4. A complete, itemized accounting of the amount claimed, including all fees, interest, and payments applied.

5. Copies of any signed contracts or agreements bearing my signature.

6. Proof that Central Portfolio Control has legal authority to collect in my state, including a copy of the assignment or bill of sale.

Be advised : You may not contact me by telephone at any number. All communication must be in writing to the address above.

You may not report or continue to report this account to any credit bureau until validation is provided. If you have already reported it, you must immediately request deletion until validation is completed.

Failure to comply will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and other appropriate agencies.

This is a request for information only and is not an acknowledgment or acceptance of any debt owed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am disputing inaccurate and conflicting information being reported about a debt originally with XXXX XXXX XXXX. Columbia Debt and XXXX are reporting two different balances for the same account, causing confusion and harming my credit. 

XXXX, the current property manager at XXXX, stated she is not familiar with Columbia Debt. She mentioned the previous manager probably sold the debt to a collector but could not confirm this and said she would check archived files and get back to me.

Columbia Debt reports the account as settled and resolved by them, and they have stated they paid XXXXXXXX XXXX XXXXXXXX for the file at a discounted rate. XXXX, however, states they have not sold the debt but hired Columbia Debt to collect. This conflicting information results in unclear ownership and mismatched balances.

I have repeatedly requested validation and clarification from both parties but have not received adequate documentation.

These inconsistencies and lack of transparency violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require debt collectors and credit reporting agencies to provide accurate information and proper validation.

I am requesting a thorough investigation and correction or removal of the inaccurate information from my consumer report to protect my credit and ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
My credit report contains inquiries I do not recognize. I did not give permission to these companies to access my credit report, nor did I apply with them. I am deeply concerned that my rights as a consumer have been violated. Protecting these rights is very important to me, especially given the stress I am already under.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc.
State: MO

Complaint narrative:
XXXX XXXX lied and stated a walk thur could not be moved or changed, after keys turned in, they walked alone for final. I cleaned and fixed what I could, also have lots of pictures and had made requests while living there, they refused to fix issues they are trying to charge me for. Violated serveral state laws, also sent complaint to Attorney general and they ( XXXX XXXX ) lied to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diverse Funding Associates LLC
State: GA

Complaint narrative:
I'm writing to share my experience with a representative named XXXX from XXXX XXXX, XXXX via XXXX XXXX XXXX. She says her ID number is # XXXX. I was calling to discuss my options for settling a collection account and to ask questions about how reporting would be handled should I pay in full or set up an arrangement. 

I kindly started to share my situation with her and was hoping to have a conversation about a solution. She interruptedme several times, and her tone was very combative, given I was not that way to her. Her answers to my questions were condescending, unprofessional, and unaccommodating. She even threatened that the company could sue, without even working with me on a settlement agreement. 

Nonetheless, when I became combative back with her, it was cleara solution could not be reached. I am requesting that I be contacted by a different representative to further discuss my options.

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 2025-08-11 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-08-11 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: TX

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-08-11 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: FL

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX, a bank reference letter was requested from the bank. The bank has been unable to provide this letter within their 10 business day period. I have been told the letter was mailed to me, but have yet to receive the letter in the mail.

I have followed up with the bank and am being told the process will start over again. The bank customer service staff and supervisors were rude, unhelpful, and provided no solutions to sending a copy of this letter in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] [ Date of Charge-Off : [ XX/XX/2025 ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

Company response to consumer: Closed with explanation