vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NVR INC.
State: OH

Complaint narrative:
Recently we did applied for a mortgage with NVR financial, to purchase a home with XXXX XXXX, we got conditionally approved, as per what they said. The next thing was that they started to ask for credit reports from XXXX with the excuse that as my wife had less than two years working in the country. We have provided the information and construction has started late ( contract said it would start XXXX ) this week they started breaking ground ).

The issue comes when they are asking for translation of documents, which the cost is high due to the need of a certified translator which charges per word. The amount can come up to XXXX usd as per the loan officer mentioned over the phone.

NVR has shady procedures on their mortgage approvals, and keeps demanding things, which if the customer fails to provides might loose his money.

Also, during the pre construction meeting, sales agent XXXX XXXX, mentioned that we were already approved and everything should move on fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am disputing the validity of the ~ {$13000.00} collection account you are reporting under my name, originating from XXXX XXXX XXXX XXXXXXXX in XXXX, AZ. 
The attached documentation includes email correspondence from the propertys own manager, XXXX XXXX of XXXX XXXX, who confirmed in writing on XX/XX/year> : I will waive fees on move out ( Early Term and 60-day notice ) and allow you to move out. The cleaning charges will still stand like all move outs. This written waiver eliminates the bulk of the {$13000.00} you are attempting to collect, which consists largely of lease cancellation and rent charges that were explicitly excused. Furthermore, the unit suffered from documented roach infestations, a violation of Arizona habitability laws. I have filed complaints with both the Arizona Attorney Generals Office and the Consumer Financial Protection Bureau ( CFPB ) regarding your continued reporting of this false debt. This letter serves as notice that the debt is disputed and unverifiable. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), you are required to : Cease all collection efforts until full validation is provided. Remove this account from all credit bureau reporting if validation can not be provided. I request written confirmation within 30 days that this account has been deleted from my credit reports and closed as uncollectible. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had noticed that there were a total of three transactions on my bank statement in the amount of {$20.00} to XXXX XXXXXXXX. I had only authorized one. So I had reached out to the merchant and the agent informed me that a refund in the amount of {$40.00} will go back to the original payment method used but it can take up to 30 days which is very unheard of but okay. Well I ended up forgetting about it and when I remembered I reached back out to the merchant and the agent informed me that I was provided with the wrong information there system doesn't allow them to issue refunds my best bet would be to reach out to my financial institution. So I did as I needed to anyways because I had two unaurized transactions on my account for {$8.00} each to XXXX XXXX XXXX whatever that's supposed to be. So on XX/XX/XXXX a dispute was filed for all four transactions. On XX/XX/XXXX I received {$8.00} back for one dispute and on XX/XX/XXXX I received {$8.00} back for the other. It's now XX/XX/XXXX and I haven't received my money back for the other two disputes which clearly doesn't make any sense especially if I had made it perfectly clear that I had authorized one the other two were due to system error. I need my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
The incident began when I ( XXXX XXXX XXXX XXXX was contacted by a woman on XXXX who presented herself as XXXX XXXX. What started as a casual conversation gradually turned into a discussion about investment opportunities. She encouraged me to consider investing through a platform called XXXX, which operated under the website honestswap.org ( refer to evidence # XXXX ). ) Ours communication became increasingly frequent, with regular phone calls in which she assured me of the platform 's legitimacy and the potential for high returns. 
I was Motivated by her persuasion, and decided to start with an initial investment of {$4800.00}. Over time, I was shown apparent growth in his XXXX, which eventually reflected a total of approximately {$36000.00}. Encouraged by what I saw as promising returns, and under continued pressure from XXXX XXXX, i increased her involvement and sent further funds to the platform. These transfers were made via Coinbase ( refer to evidence # XXXX ), and he even sold some of his personal stock holdings to meet the requested amounts. 
When I eventually decided to withdraw my assets, I was informed that he would need to pay an additional {$10000.00} in the form of cryptocurrency to cover a so-called platform tax. I refused to comply with this demand, but despite my assets still appearing within my account, the platform did not allow me to proceed with any withdrawal. The total value of digital assets he lost through this process was XXXX XXXX and XXXX XXXX. 

From Coinbase : Between XXXX XX/XX/year>, and XXXX XX/XX/year>, XXXXXXXX XXXX  was sent in XXXX transactions from the Clients Coinbase wallet to the following XXXX  address : i. XXXX It is important to note that on XXXX XX/XX/year> the Client also sent XXXX XXXX to the following XXXX address : i. XXXX Importantly, these addresses are not hosted wallets ( namely, associated with a beneficiary XXXX. 
Note : Just because those wallet addresses are not associated with a beneficiary XXXX does not necessarily mean that this is the case. There are some circumstances where addresses that initially appear unposted are subsequently revealed to be hosted in some fashion upon closer inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: WI

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXXXX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: CA

Complaint narrative:
ADDITIONAL FDCPA VIOLATIONS- UNAUTHORIZED CONTACT AFTER CEASE AGREEMENT On XX/XX/year>XXXX Discover Bank stated in their CFPB response : " we have taken appropriate actions to prevent future contact regarding the status of the account. '' However, on XX/XX/year>, Discover Bank violated their own cease contact agreement by sending unrequested account statements, claiming falsely that I requested historical statements.

FDCPA VIOLATIONS : - 1692c ( c ) : Unauthorized contact after cease and desist - 1692e : False representation of consumer request - 1692f : Unfair collection practices This demonstrates willful misconduct during active federal and state regulatory investigations, requiring immediate enforcement action.

Reference existing CFPB complaint # XXXX and active California AG investigation for coordinated enforcement.

This 48-hour timeline ( cease contact XX/XX/XXXX violation XX/XX/XXXX ) demonstrates corporate coordination failures and willful misconduct requiring immediate CFPB enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 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: NJ

Complaint narrative:
Issues with Reporting : The account is reported as Paid/Closed with a {$0.00} balance and {$0.00} original balance, yet it is simultaneously coded as Collection/Charge-Off. This is factually inconsistent and misleading.

The remarks include : Payment after charge off/collection | Dispute resolved ; consumer disagrees, account closed by consumer. This conflicts with the listed condition of Paid/Closed and creates an inaccurate impression of delinquency.

The account reflects no active debt, no payment obligation, and no outstanding balance, yet remains coded as derogatory. This is a direct violation of Metro 2 reporting compliance, which requires accuracy, consistency, and completeness.

The entry provides no verifiable original balance, creditor sale/assignment details, or charge-off documentation, which makes it unverifiable under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-28 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:
I submitted all documents required under FCRA 605B ( 15 U.S.C. 1681c-2 ), including proof of identity, an identity theft report, and my written statement identifying a fraudulent XXXX XXXX account. The credit bureau is required to block identity theft information within 4 business days, yet this account remains on my credit file. This is a direct violation of federal law, and I am requesting immediate and permanent deletion along with written confirmation.

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 2025-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
During the month of XXXX I subleased my apartment to another tenant. I paid my relet fee, rent for the month and gave them the key and all other belongings to the landlord office. After I left they charged me an addition relet fee and rental fee that I paid already and also the new tenant paid their part as well. So I called the office which they saw the documents that I signed that stated I gave over my rights and rent to the new tenant in the month of XXXX and they said they will remove the charges after a called numerous times. Instead of removing the charges, they sent it to a debt collector and every time I contact the apartment no one is answering my calls.

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 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Inadequate Response from Credit Acceptance Corporation Continued Willful Misreporting Dear CFPB, I am providing feedback and filing an additional complaint regarding my prior submission against Credit Acceptance Corporation. 

Companys Admission In their written response to my XX/XX/2025 complaint, Credit Acceptance admitted that : 1. They did not repossess or sell my vehicle. 
2. The City of XXXXXXXX seized and sold it. 
3. They did not receive proceeds from that sale. 

Despite this admission, Credit Acceptance continues to report a full {$17000.00} balance on my credit file as over 120 days past due. 

Why This Is Inaccurate and Misleading The vehicle was collateral subject to their lien. Once it was sold at auction, the account balance should have been adjusted to reflect the proceeds. 
By ignoring the liquidation of collateral and still reporting the full pre-auction balance, Credit Acceptance is furnishing false, inflated, and misleading information to consumer reporting agencies.

Legal Violations FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher may not provide information it knows or should know is inaccurate. Here, the company knows the collateral was sold, yet reports the loan as if it were never liquidated.

FCRA 623 ( b ) : Upon notice of dispute, a furnisher must conduct a reasonable investigation and correct or delete any inaccurate or incomplete information. Credit Acceptances response shows no reasonable investigation, only deflection to t
he City of Detroit.

FDCPA 807 ( 2 ) ( A ) : Prohibits misrepresenting the amount or status of a debt. Reporting the full {$17000.00} balance after admitting they received no proceeds is a clear misrepresentation of the debt amount. 

Harm to Me This inflated and misleading tradeline continues to prevent me from securing housing, transportation, and credit for basic needs. I am a divorced father supporting an autistic child and recovering from a house fire. This inaccurate reporting is directly harming my ability to stabilize my family.

Requested Resolution I respectfully request that the CFPB : 1. Compel Credit Acceptance to produce documentation showing why they are entitled to report a full {$17000.00} balance despite the auction.

2. If they can not produce such documentation, require full deletion of the tradeline from all consumer reporting agencies.

3. Investigate Credit Acceptance for willful violations of FCRA 623 and FDCPA 807 ( 2 ) ( A ). 

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