vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EQUIFAX AND EXPERIAN : Demand for Immediate Deletion of Inaccurate Account XXXX XXXX XXXX Account # XXXX. I am writing to formally dispute and demand the immediate removal of the following account from my credit report : Creditor : XXXX XXXX XXXX Account Number : XXXX Amount : {$1100.00} This account is being inaccurately reported on my Equifax and Experian credit profile. The associated debt has been cancelled and is no longer valid. Enclosed with this letter, you will find the supporting documentation verifying the cancellation of this debt.

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 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
free to word your filing however you wish, we suggest you use language like the following : At all times related to this claim, I was an accountholder at a XXXX XXXX XXXX XXXX and licensed XXXX XXXX XXXX XXXX XXXX XXXX Coinbase , Inc. , ( Coinbase ) and held in my account/wallet valuable cryptocurrency assets. 
Coinbase promotes itself as The most trusted cryptocurrency platform that is guided by Industry best practices and that Cryptocurrency stored on our servers is covered by our insurance policy. I was aware of and relied on those representations of security in storing my assets on Coinbases platform. Despite its self-promotion about how secure, reliable, and trustworthy its services are, though, customers assets at Coinbase are at risk of being fraudulently withdrawn -- something of which Coinbase is well aware but has not taken adequate steps to prevent or remedy.

Coinbase has had announced and unannounced breaches of data maintained on, and security of, its platform; leading to a variety of harms suffered by Coinbase account/wallet holders : support scams, penetrations of Coinbases platform leading to SIM swaps, failure to block blacklisted destination addresses, and account takeovers. Coinbase is responsible for securing its platform and all internal and external cryptocurrency payment rails, which serve as the infrastructure thatfacilitates the transfer of digital currencies between parties. In this case, Coinbase failed to secure data maintained on its platform and failed to properly verify the authenticity and integrity of the cryptocurrency payment rail ( s ) that transferred cryptocurrency from my account/wallet to the destination address of the recipient of my stolen assets. Coinbases failure to design and implement adequate security measures on its platform and on the payment rails was a material factor in directly and/or proximately causing my loss. Commencing on or about XX/XX/year> Coinbases falsely advertised, faulty security measures failed me ; and as a result, I suffered the loss of cryptocurrency from my account/wallet that was valued at the time at approximately {$360000.00} I seek, among other things, restitution, compensatory damages, and equitable relief for the harm I have suffered, as I hold Coinbase accountable for platform breakdowns, failures in security design or implementation, and statutory/common law breaches that permitted/assisted the theft of the personal assets I held at Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On or around XX/XX/year>, my car was impounded during a crisis situation while traveling in XXXX. As a result, I lost access to my physical debit card and drivers license. However, I have a clear photo of both items, and I am fully logged into my Wells Fargo online and mobile banking accounts. 

Despite being fully verified, my debit card was blocked, and Ive been unable to make any purchases, access cash, or use third-party payment systems like XXXX XXXX XXXX XXXX XXXX XXXX or XXXX. All attempts to transfer or spend money have been denied. 

On XX/XX/XXXX, I went in person to a Wells Fargo branch and explained that I was in a medical emergency, with no access to medications, food, or housing, and urgently needed access to my own funds. I was told there was a XXXX business day hold on my account due to wallet restrictions, and that no temporary card could be issued, no cash could be withdrawn, and I would not be allowed to speak to a manager. No workaround was offered despite verifying my identity and accessing my account in person. 

I currently have several XXXX dollars in XXXX I can not transfer because Wells Fargos card restrictions are blocking any linked account access. I am accruing costs daily due to missed medical treatments and inability to meet basic needs. This situation has created an escalating crisis, and Wells Fargo has refused to offer any relief or resolution.

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 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Arivo Acceptance, LLC
State: OH

Complaint narrative:
ARRIVO charged an attorney fee that was not applicable to this loan. I filed for bankruptcy XX/XX/XXXX and bought this vehicle XX/XX/XXXX. Not even 10 days later the vehicle was deemed a total loss XXXX XXXX, XXXX from a car accident. The insurance settled with an approximate amount of XXXX and left me with a remaining balance of approximate XXXX. Arrivo and I entered into an agreement for this amount and reducing the monthly payment to XXXX @ a month since the company was unwilling to reduce the APR, this was in XX/XX/XXXX. XX/XX/XXXX, I received an alert from the credit bureau that this loan increased approximately {$700.00}. I reached out the Arriov and they explained that it was an attorney fee because the bankruptcy department hired an attorney to file a document, to the bankruptcy court for the trustee not to take the insurance payment. I explained and my attorney explain to a lady name XXXX, that the bankruptcy court had no obligation to the insurance payment as the vehicle was purchase after the bankruptcy was filed. Arrivo refused to rectify the account and has kept the account charge. They claim they can charge a fee according to contract. I have read the contract and there is no notice of a attorney unless I challenged the principle amount with arbitration. In this situation there was no arbitration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
This company-Portfolio Recovery Ass , LLC., is trying to collect money from me that I have no knowledge of and have never done any business with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I used PayPal to buy a wig for {$98.00} from XXXX. The seller XXXX XXXX advertised it as longer and fuller than it was. When I received it, it was shorter and much thinner than advertised. I contacted the seller immediately. Instead of admitting fault, they told me to alter and style it to make it match the listing. I did this in good faith, and now they refuse to refund me because its no longer in original condition. They also claimed in multiple messages that the item shipped fro
m XXXX XXXX XXXX XXXX XXXXXXXX. I have screenshots of this. However, when I asked to return it, they demanded I ship it to XXXX, XXXX. International return shipping would cost almost half the refund amount, which is unreasonable and deceptive.

I opened a PayPal dispute and provided evidence, including the sellers instructions to alter the item and proof of the U.S. shipping origin. PayPal ignored this evidence and denied my dispute on XX/XX/year>, solely because I refused to provide international return shipping tracking. 

I am seeking CFPBs help because PayPals process was unfair, ignored clear evidence of seller deception, and is forcing me to absorb high costs for a misrepresented product. I am requesting a full refund of {$98.00} without the requirement of unreasonable international return shipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
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

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 2025-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
A recent review of my online escrow account showed a XX/XX/XXXX {$1500.00} disbursement allegedly to me, which was never received. I contacted Mr. Cooper who initially insisted that the payment was made, then when I asked for a copy of the cancelled, they said they had to issue a stop payment. Instead of reissuing the check, they kept the money. When I requested the money, they increased my mortgage by {$20.00} a month because they claimed they had to do an escrow analysis, which by the way was not due until XX/XX/XXXX. On XX/XX/XXXX, they claimed to have sent another check for {$2300.00}, which again I have not received. I received all their other unsolicited mailings that I have requested not to receive about home equity loans. I have paid the regular monthly amount minus the {$20.00} and they have refused to process it. On XX/XX/XXXX and XX/XX/XXXX, my account reflects {$5200.00} for hazard insurance, even though I had one insurance policy. I think Mr. Cooper should be investigated to see if this is their regular practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: SC

Complaint narrative:
I am filing this complaint because the credit bureaus have not met their legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite my formal disputes regarding inaccurate and negative entries on my credit report, the bureaus failed to conduct a thorough and reasonable investigation. These unverified items remain on my report, causing unjust damage to my credit score and creating unnecessary financial and emotional stress.

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 2025-06-29 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: SC

Complaint narrative:
I am filing this complaint because the credit bureaus have not met their legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite my formal disputes regarding inaccurate and negative entries on my credit report, the bureaus failed to conduct a thorough and reasonable investigation. These unverified items remain on my report, causing unjust damage to my credit score and creating unnecessary financial and emotional stress.

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 2025-06-29 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: GA

Complaint narrative:
i do not have a loan with bridgecrest or exeter finance i have reported this multiple times and asked to verify where this info is coming from and they Re not providing this i have never done business with either of these companies and this must be removed as it is violatong my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 do not have a loan with bridgecrest or exeter finance i have reported this multiple times and asked to verify where this info is coming from and they Re not providing this i have never done business with either of these companies and this must be removed as it is violatong my rights

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 2025-06-29 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: MD

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of several items currently listed on my credit report. These accounts are not mine, and I request their immediate investigation and removal in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681s-2 ( b ), and 1681e ( b ), and applicable federal laws related to identity theft and fraud. 

DISPUTED ACCOUNTS Please investigate and remove the following accounts, which I am not legally obligated for and do not recognize : XXXX. XXXX XXXX XXXX Amount : {$15000.00} o Date Opened : XX/XX/year> o Dispute Reason : Not my account ; fraudulent or opened without authorization. 
XXXX. XXXX XXXX XXXX Amount : {$6200.00} o Date Opened : XX/XX/year> o Dispute Reason : Not my account ; unauthorized and not a valid obligation. 
XXXX. XXXX XXXX XXXX Amount : {$3500.00} o Date Opened : XX/XX/year> o Dispute Reason : Duplicate/unauthorized account ; not mine. 

REQUEST FOR INVESTIGATION DETAILS Under 15 U.S.C. 1681i ( a ) ( 1 ), I am requesting : A reinvestigation of each disputed item, Copies of original signed contracts or applications proving my obligation to the above accounts, The names and contact information of all entities you communicated with during your investigation, A list of all documents and methods used to verify the validity of each account.

If you can not provide these, the items must be deleted immediately.

RELEVANT LEGAL GROUNDS 15 U.S.C. 1681e ( b ) : You must maintain maximum possible accuracy in consumer reports. 
15 U.S.C. 1681i : You must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681s-2 ( b ) : Furnishers of information must investigate disputes and correct or delete inaccurate information.

15 U.S.C. 1681c-2 : Any data resulting from identity theft must be blocked.

18 U.S.C. 1028 : Any use of personal information in a fraudulent or deceptive way is a federal crime.

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 2025-06-29 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This situation is not in litigation. Equifax failed to provide the data, instead provide a letter stating I had no credit file the last 10 years which was funny since at the time I was holding in my hands my Equifax report showing XXXX open trade-lines? 

I am seeking all historical data from XX/XX/year> to present pertaining to a XXXX account. I understand the account has been removed from my file. I AM NOT DISPUTING THE ACCOUNT. I AM SEEKING ALL THE DATA FROM THIS ACCOUNT SHOWING THE OPENING DATES, WHEN THE REPORTING DATES CHANGED AND THE EXPLANATION GIVEN BY XXXX XXXX  FOR MAKING THE CHANGES. 

I DO NOT WANT A CREDIT REPORT, I AM IN NEED OF THIS DATA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( Open ) XXXX XXXX XXXX XXXX XXXX ( Open ) XXXX XXXX XXXX XXXX XXXX, ( Closed ) XXXX XXXXXXXX XXXX XXXX XXXX  ( Closed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Collection ) XXXX XXXX XXXX XXXX have violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

According to 15 USC 1681s-2, they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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