vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XX/XX/year> and XX/XX/year> a company called XXXX XXXX, XXXX made XXXX charges on my credit card that I was unaware of, totaling {$13000.00}. When I discovered this error, I first looked up " XXXX XXXX '' and called to see what kind of company they were. They said " Web Hosting '' and looked up my phone number to see if I had an account and confirmed that I did not have an account with them. I then called Bank of America to make a fraud claim. They honored my fraud immediately and put the ~ $ XXXX back onto my card. But then, under further " review '', decided {$4100.00} would remain credited, but that {$9300.00} would be removed because, they said, " We confirmed the charge ( XXXX ) is a subscription of reoccurring bill that you've paid in the past. '' I have never done business with XXXX XXXX! I have called BofA many times and reopened the claim 3 times to no avail. I have emailed XXXX XXXX twice asking for evidence of their assessment and never even received a reply! I suspect they are using AI or another faulty system to make these determinations. I am very upset as you might understand.

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 monetary relief
Consumer complaint received 2025-07-10 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to formally request a copy of the 1099-C form related to the cancellation of debt that has been reported on my credit report as a negative account. To date, I have not received this form, which is required for my records and for accurate tax reporting. Since this account has been marked as canceled or forgiven, I am entitled to receive the 1099-C in accordance with IRS regulations . Please provide the form at your earliest convenience or inform me of the steps needed to obtain it. 



Thank you...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IN

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: LA

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

Company 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX  that you couldn't put on the FTc report ). Please see the attached file.

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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
In late XX/XX/2025, I was the victim of a highly sophisticated social engineering scam that directly impersonated Coinbase security. The attackers used Coinbase-branded emails, internal formatting, and referenced a fabricated case number to convince me to take action within my account. They had access to my full name, email address, home state, phone number, and even a copy of my government-issued ID the same type of personal data reportedly involved in a recent Coinbase breach. 

I lost approximately XXXX XXXX in this scam, which represents a significant portion of my savings. This was not a case of negligence or carelessness it was a targeted, deceptive attack designed to mimic Coinbase security protocols and trick me into compromising my wallet. 

I submitted a formal complaint to Coinbase ( XXXX # XXXX ), including a detailed PDF summary with spoofed emails, transaction hashes, and a timeline of events. Despite their acknowledgment of a XX/XX/2025 data breach and a new policy to review cases involving social engineering, Coinbase dismissed my case without adequately investigating whether my data was impacted. 

I requested a re-review under their social engineering reimbursement policy. Coinbase responded that my case was closed and issued a final denial, offering no transparency into their decision-making or support in recovering funds.

Given that Carolus v. Coinbase, an active class action lawsuit, alleges similar failures to protect users from these types of scams, I believe this incident may fall under broader regulatory scrutiny. I am now working with legal counsel and am requesting the CFPBs assistance in holding Coinbase accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. Experian is reporting " Paid account/was 30 days past due '' with a " XXXX delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( XXXX ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 
Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within XXXX  days of the date of this letter. Thank you for your 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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. DEPT OF EDXXXX 2 . DEPT OF ED/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been trying to contact an actual live human person at EXPERIAN regarding an escalation ticket on my account due to possible fraud. I called Monday, XX/XX/XXXX, XXXXXXXX XXXX after receiving a notice from a credit card company that I did not apply for. After speaking with a live agent I received an escalation ticket to reference. I have not heard back from them and have made 11 calls today. When I finally spoke with a person they said they were going to transfer me. I got dumped into their automated system AGAIN. I finally worked thru and got another live person and they transferred me into the automated system again. I need to obtain access to my online account - the information they have is incorrect and I can not get a response to resolve my issue.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX ACCOUNTS : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX 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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XX/XX/year> - BMO closed my credit card account suddenly, without warning, without explanation, despite perfect payment history and 10 years of responsible use. 
XX/XX/year>- I received a vague letter stating the closure was " final '' but did not include reasoning, credit bureau impact, or appeal options. 
XX/XX/year> - I sent a letter via BMO 's secure messaging system formally requesting : -A detailed explanation for the closure of my account.

-Information on how this decision is being reported to the credit bureaus. 
-Whether there is any appeal or reconsideration process ( as there should be, despite what the letter claims ) XX/XX/year> - I received a response from BMO, saying they " do not handle credit card issues '' via that channel. 
XX/XX/year> - I sent another message via BMO 's secure messaging system. " I'd like to send a formal letter regarding this matter. Is there an address I can mail it to? '' XX/XX/year> - I received a response from BMO. I was told they have no mailing address for credit card complaints.

I was repeatedly redirected to phone/chat options, none of which provide a written record.

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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX I had a car loan from Consumer Portfolio, and the vehice was folded due not hail damage, which left me with a deficient from insurance payment and the amount owed. They reached out to me fro a settlement of XXXX which I agreed to and set up a pay off of 5 months. In XXXX of XXXX I was notified that I was 30+ days late on my payment even with me keeping the payment arrangements that they set up. At that point I paid off the settlement the day they called. Up until then I was never contacted either by phone, email or mail that I was behind until I received the letter. Fast forward to XX/XX/XXXX My wife and I are getting a mortgage for a new home and there is a 30 late payment on both of our credit. In have tried after we saw the mark and contacted them and spoke on 2 different occasions with the department that handles reporting and was instructed that there was multiple lates and I have a printed ledge of my history that there was never, also informed at that time I goes back to original contract. I was never told this and why would they suggest a program that would put you in the rears on the contract and additional fees? I believe this a deceptive practice and unfair to a debtor. And can cause damage to someone's worthiness. I was instructed there is nothing they will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX 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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/year>, BMO Bank closed my account and informed me that a cashiers check for the remaining balance of {$16000.00} would be mailed to me after a 90-day hold. It is now past that period, and the bank has failed to deliver the check. I have made multiple attempts to resolve this with no response, no explanation, and no funds.

As a direct result of this delay, I suffered : Loss of housing and was forced to move into a shelter with my newborn child Missed car note payments, risking repossession Falling behind on utility bills and other basic expenses Severe emotional distress, postpartum stress, and mental health deterioration BMO Bank may be in violation of several consumer protection laws, including : The Dodd-Frank Acts UDAAP provisions ( Unfair, Deceptive, or Abusive Acts or Practices ) Regulation E ( 12 CFR 1005 ) delayed access to funds Truth in Savings Act ( 12 CFR Part 1030 ) no written disclosure of holding period Missouri Uniform Commercial Code ( UCC ) failure to act within a commercially reasonable time I have submitted a formal demand letter. I am seeking immediate disbursement of the full {$16000.00} and intend to pursue civil action for additional damages if unresolved.

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 monetary relief