vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have executed several trades through XXXX XXXX, only to see receipts altered at the conclusion of the transactions. 
On multiple occasions, the maximum amount of fees was deducted, and receipts were later burned or modified. 
Your own representatives have confirmed that they observed my funds and completed transactions, yet I have not been given access to my rightful balance. 
Most recently, during a spike in one of my held coins, I attempted to cash out. The transaction appeared valid, I was able to press confirm, yet the cash out returned XXXX dollars, despite the system showing a clear available payout. 
I have filed complaints and spoken directly with verified representatives of XXXX XXXX. 
These representatives confirmed seeing the funds and the transaction records, but ultimately informed me they could not help further. 
I have since been denied access to any corporate contact information or escalation channels, leaving me with no internal recourse.

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: NY

Complaint narrative:
I have not granted permission for this inquiry, nor did I communicate with the lender on the specified date.

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: CA

Complaint narrative:
I am submitting this complaint because I believe there are serious inaccuracies and reporting issues with several accounts appearing on my credit reports. These accounts include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reviewed my reports carefully and do not recognize some of these accounts, while others contain reporting errors such as incorrect balances, dates, and payment histories. 

I have already disputed these accounts with the credit bureaus, but they continue to report the same inaccurate and damaging information. For example, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are being reported as charge-offs, which is severely hurting my credit, yet I have no knowledge of these accounts, and they can not provide me with proof that these debts are valid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are showing late payments that I do not agree with, and no proper documentation has been provided to validate these claims. 

These inaccurate entries are causing significant harm to my creditworthiness and financial stability. I have tried to resolve these issues directly with the credit bureaus and creditors, but the responses I received did not include proper documentation or investigation as required under the Fair Credit Reporting Act ( FCRA ). This has left me with incorrect information on my credit reports that I can not get corrected on my own. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that these companies comply with federal law by conducting proper investigations and either verifying these accounts with clear documentation or removing them entirely from my credit reports.

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: 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: MD

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and stress it's causing 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 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: GREATER SUBURBAN ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> my car was unlawfully repossessed by Greater suburban acceptance corp. As I just made a Payment of {$350.00} on XX/XX/year> I was delinquent on the account due to financial hardship and my girlfriend and I just had a baby and she had not been working. I made numerous attempts to speak to the company to keep the account in question. I made a verbal agreement with a representative of the company in XXXX and XXXX to come to a mutual understanding and retrieve the account until my situation changed. To my knowledge I was going to be paying {$350.00} moving forward until I was able to start making the full payments. But was surprised when on XX/XX/year> I noticed the vehicle had been takin by Greater suburban acceptance corp after I made a {$350.00} payment in XX/XX/year>. Greater suburban acceptance corp then demanded an additional {$87.00} which I did not have. After we agreed on {$350.00}. I believe this falls under " deceptive business practices '' " Fraud '' and " breach of contract ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Re : Request for Debt Validation Under the FDCPA Account Allegedly Opened : XX/XX/XXXX Date of First Contact : XX/XX/XXXX Dear XXXX XXXX, I am writing in response to your communication received on XX/XX/XXXX, regarding an alleged debt you claim I owe related to an account reportedly opened on XX/XX/XXXX. 

This letter is a formal request for debt validation, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept responsibility for this alleged debt and request full validation before any further collection activity continues.

Please provide the following documentation : 1. The total amount of the alleged debt, including a full breakdown of all interest, fees, and charges. 2. The name and address of the original creditor. 3. A copy of the original agreement or contract bearing my signature, if applicable.

4. Proof that Aargon Agency is legally authorized to collect debts in my state.

5. A complete payment history and accounting of the alleged debt.

Until this information is provided, I request that you cease all collection activity, including phone calls, letters, and reporting to any credit bureaus. 

If you can not provide validation, you are required to stop collection efforts and remove any negative credit reporting regarding this debt. 

This request is made without acknowledgment of any liability or debt. I expect your full compliance with the FDCPA. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Ga XXXX Account No : XXXX To Whom It May Concern : This letter is a formal cease and desist notice and dispute of the collection account you are reporting to the credit reporting agencies under my name.

FDCPA Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) Under 1692c ( c ), I hereby demand that you cease all communications with me immediately, except as allowed by law ( to confirm termination of collection efforts, notify me of specific legal remedies, or to advise that collection efforts are being ceased ).

Under 1692g ( b ), you are also prohibited from continuing collection activities or reporting this account to the credit bureaus unless and until you provide full validation of the debt, including : * Proof that you own or have been assigned the debt, * A copy of the original signed agreement, and * A complete payment history showing how the balance was calculated.

FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) As a furnisher of information, you have a legal duty under 623 ( a ) ( 1 ) ( A ) to ensure that all information you report to the credit reporting agencies is accurate and verifiable. Reporting unverifiable, incomplete, or inaccurate information is a violation of federal law.

Accordingly, if you can not provide proper validation as outlined above, you must immediately delete this collection account from all consumer credit reporting agencies ( Experian, Equifax, and TransUnion ).

Final Notice If you fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, and I will pursue all legal remedies available to me under 15 U.S.C. 1692k and 15 U.S.C. 1681n/o.

This letter is being sent to you in good faith to assert my rights under federal law. I expect a written confirmation of your compliance and removal of the disputed entry within the required timeframe. 
Sincerely, 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 2025-08-27 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: DE

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litgation for defamation of charater ) amex balance {$3200.00}, JPMCB CARD balance {$26000.00}

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 non-monetary relief
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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
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: Kovo
State: CA

Complaint narrative:
My personal information was compromised in the XXXX  XXXX XXXX. As a result, multiple fraudulent accounts, inquiries, and an incorrect address have appeared on my credit reports. 
I have been incarcerated since XX/XX/year> and therefore could not have opened or managed any credit accounts. These accounts and inquiries are fraudulent and are harming my credit. 

I have already disputed these items with XXXX  under FCRA 605B, submitted an FTC Identity Theft Report ( # XXXX ), and provided proof of incarceration and breach confirmation. I am requesting full deletion/blocking of the fraudulent items.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed that my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported as open and current, with the last payment recorded on XX/XX/year>. While the account is currently open, I am concerned that the historical reporting of my payments may not be accurate. Any errors in reporting could misrepresent my financial behavior and XXXX  XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as open and current, with the last payment recorded on XX/XX/year>. I am concerned that the accounts reporting may not fully reflect the accuracy of my payment history. Any errors could unfairly impact my creditworthiness and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
CEASE AND DESIST & DEBT DISPUTE NOTICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist & Debt Dispute Pursuant to 15 U.S.C. 1692c ( c ) & 1692g Account Reference : XXXX Creditor Listed : XXXX Reported Amount : {$470.00} Date Reported : XX/XX/XXXX To Whom It May Concern, I am formally notifying you to cease all communication with me immediately regarding the above-referenced alleged debt, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Any further contact beyond what is permitted by law will constitute a violation and will be documented for legal action. Additionally, pursuant to 15 U.S.C. 1692g, I am disputing the validity of this alleged debt in its entirety. You are required to provide : 1. Verification of the debt, including a complete itemized accounting ; 2. Proof of your legal authority to collect on this account ; and 3. Copies of any contracts, agreements, or documents bearing my signature. Until such verification is provided, you must cease all collection activity, including reporting this debt to credit bureaus. Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue civil remedies for any violations, including statutory damages, court costs, and attorney fees. You are hereby put on notice. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc

Complaint narrative:
Subject : Complaint Regarding PayPal 's Refusal to Handle Account Hacking and Closure Request Dear Staff of the U.S. Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against PayPal, Inc. ( Nasdaq : PYPL ) for its unreasonable refusal to allow me to close my account after a clear case of unauthorized access and fraudulent activity. I kindly request your intervention in this matter. 

I. Background and Incident Details : My PayPal account ( Registered Email : [ XXXX ], Registered Name : XXXX XXXX ) was opened in XXXX. It had been inactive for a long time and was in a dormant state. 
In late XX/XX/XXXX, I logged in and discovered that my account had been compromised. Without any authorization from me, a fraudster successfully linked an unknown MasterCard credit card to my payment methods. This action constitutes a serious breach of PayPal 's security obligations.

II. Remedial Actions Taken and PayPal 's Inadequate Response : Upon discovering the fraudulent activity, I immediately took the following steps : Changed my account password.

Contacted PayPal 's official online customer service chat multiple times, requesting that they : Investigate this security incident.

Permanently close my account to prevent any future risks.

However, PayPal customer service representatives consistently rejected my account closure request, citing reasons such as " outstanding issues with the account '' or " inability to process my request. '' They failed to provide any effective solution or explain why a user can not close an account that poses a security risk.

III. Nature of the Issue and Dispute : I believe PayPal 's actions are highly irresponsible : First, their security mechanisms failed, allowing my dormant account to be easily compromised.

Second, after the incident occurred, they deprived me of my most fundamental right as a userto close my account to protect my personal data security. This violates principles of fair dealing and continuously exposes my personal information to risk.

IV. My Clear Demands : I strongly urge the CFPB to intervene and require PayPal to immediately : Permanently and unconditionally close my aforementioned PayPal account.

Thoroughly delete all associated personally identifiable information ( PII ) from my account, as I have requested. 

Provide a formal explanation regarding this security incident and the subsequent poor customer service. 

Thank you for your time and assistance. 

Sincerely, XXXX, XXXX XX/XX/XXXX XXXX

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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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