vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: FL

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-29 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: NC

Complaint narrative:
I am filing this complaint regarding the inaccuracies and disputes involving several items on my credit report. Below are the details of the accounts in dispute, separated by each credit bureau : Charged Off : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$35000.00} XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$87.00} XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payment XXXX XXXX  Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: FL

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-29 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: EQUIFAX, INC.
State: FL

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, the day before XXXX, I attempted to deposit a check at the Bank of America ATM located at XXXX XXXX XXXX XXXX CA XXXX. The ATM rejected the check as unreadable and then confiscated my debit card without warning or justification. 

I immediately entered the branch and spoke with staff, who informed me they were unable to retrieve my card under any circumstances. I was told the ATM is controlled by a third-party contractor, leaving branch staff powerless to correct a machine error that deprived me of access to my own money. This is an unacceptable abdication of responsibility. 

Even more concerning, branch staff explicitly assured me that : My debit card would continue to function via XXXX XXXX, and My card number would not be changed. 

Both statements were false. My card number was changed shortly afterward, XXXX XXXX was disabled, and I was left without any access to my funds during a major holiday period. This was not a minor inconvenienceit was a complete failure of basic banking access caused by faulty equipment and compounded by misinformation provided by Bank of America employees. 

A financial institution should not be allowed to arbitrarily confiscate a customers primary access to their money, especially the day before XXXX, with no immediate recovery, no emergency access, and no accurate guidance. Taking a customers only means of accessing their funds due to an internal process or contractor arrangement is indefensible. 

I am demanding a formal investigation into : Why the ATM was allowed to confiscate my card due to a deposit error Why branch staff had no authority or contingency to resolve this Why staff provided incorrect assurances that directly led to my loss of access to funds I also expect appropriate remediation, including expedited resolution, review of staff training, and compensation for the disruption caused by this failure. This incident reflects a serious breakdown in customer protection and operational accountability. 

I expect a prompt and substantive response.

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 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXReference Number: XXXXTo whom it may concernsXXXXThis letter is sent in response to your recent communication regarding the alleged debt you claim I owe. I dispute this debt in its entirety.XXXXPursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g(b), I am formally requesting full validation and verification of this alleged debt. Until such validation is provided, you are required by law to cease all collection activity, including but not limited to telephone calls, letters, reporting to credit bureaus, or the sale or transfer of this accountXXXXPlease provide the following documentation:XXXXProof that your company has the legal right to collect this debt, including a complete and unredacted chain of title showing the original creditor and all subsequent transfers or assignments to your companyXXXXA copy of the original signed contract or agreement bearing my signature that created the alleged obligation.\n\nA complete payment history showing how the amount you claim is owed was calculated, including principal, interest, fees, and any other chargesXXXXThe name and address of the original creditorXXXXDocumentation demonstrating that this debt is within the applicable statute of limitations.XXXXProof that your company is properly licensed and authorized to collect debts in my stateXXXXBe advised that providing a mere account summary, spreadsheet, screenshot, or internal printout does not constitute proper validation under the FDCPA.XXXXIf you are unable to provide the requested documentation, you must immediately cease all collection efforts and remove any and all reporting of this account from any consumer reporting agency, as continued collection activity without validation constitutes a violation of 15 U.S.C. 1692g and 1692e.XXXXAny further communication from your company that does not include the above requested validation will be documented as evidence of noncompliance and may be used in complaints filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), the State Attorney General, and in any legal action I choose to pursue.\n\nUnder the FDCPA: You must cease all collection activities until proper validation is provided. You may not report this debt to any credit bureau, and if it has already been reported, you must request its removal until validation is completed. Please note that I am keeping detailed records of all correspondence for my records. If you cannot provide the requested proof, you must cease all collection efforts and remove any related information from my credit file. This letter is not an admission of liability and does not waive any of my rights under federal or state law.  I request that all future communications be made in writing only.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I sent XXXX USDT from XXXX to my Coinbase deposit address. The transaction completed successfully on-chain but was sent via XXXX XXXX XXXX XXXX XXXX ) instead of XXXX. 

The funds were sent to a Coinbase-controlled address, but Coinbase did not credit them due to unsupported network usage. I contacted Coinbase support and was directed to use Coinbases Asset Recovery tool. 

I attempted asset recovery on XX/XX/year>. Due to unclear distinctions between Coinbase.com ( custodial exchange ) and Coinbase Wallet ( self-custody ), the recovery process was misconfigured. Coinbase then marked the asset as already recovered, despite no USDT being credited or returned. 

The recovery confirmation email provided by Coinbase references a different asset and different contract address than the USDT transaction described above and appears to correspond to an unrelated XXXX transaction that was already processing at the time. 

I subsequently contacted Coinbase support multiple times. Coinbase acknowledged the transaction exists but stated they would not initiate a corrected recovery or manually return the funds. I also filed a formal complaint with Coinbase ( Complaint # XXXX ), which remains unresolved. 

As of today, the USDT remains verifiably on-chain at a Coinbase-controlled address, but I have no access to the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I paid my Barclays account off and two months later got a bill for XXXX I was told a dispute I filed in XXXX for a membership I didnt sign up for was valid and my credit was taken back. Then they charged me a late fee on top of the amount. When called they said the membership had my info and ride history. Thats because I had a an XXXX account, but never signed up for and XXXX XXXX account. They refused to prove to me that XXXX provided info that I signed up beyond having my phone number and email. Theres nothing showing an agreement. If I dispute it again it takes30 days ( I waited 60 days last time ) and they will charge another fee.

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 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I am submitting this complaint to report improper servicing of my federal student loans by MOHELA, as well as potential violations of federal consumer protection laws, including the Gramm-Leach-Bliley Act ( GLBA ). 

MOHELA has failed to accurately service my federal student loan account, including but not limited to inaccurate account information, delays in processing repayment or forgiveness-related actions, improper billing, and insufficient or misleading communication regarding my loan status and eligibility for federal relief programs.

As a federal student loan servicer, MOHELA is entrusted with sensitive nonpublic personal information and is required under the Gramm-Leach-Bliley Act to maintain appropriate safeguards to ensure the security, confidentiality, and integrity of borrower information, as well as to provide accurate and reliable account administration. MOHELAs repeated servicing errors and lack of transparency raise concerns regarding its compliance with these obligations and its overall handling of borrower data and records.

Due to these servicing failures, I have been unable to clearly determine my eligibility for available federal relief programs, including income-driven repayment adjustments and potential forgiveness. MOHELAs actions and inaction have materially interfered with my ability to exercise rights and benefits provided under federal student loan programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
I am writing to formally dispute the following accounts and inquiries appearing on my credit report, as they contain inaccuracies and are adversely affecting my credit. Please investigate these items promptly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
Previous case # XXXX In XXXX, a door-to-door sales representative came to our home selling a water softener system. During the sales presentation, we repeatedly asked how long we would be required to make payments. The salesperson clearly stated multiple times that the financing would only last three years. We relied on this information when agreeing to the purchase. Had we been told otherwise, we would not have proceeded. 

After approximately 7 years of making regular payments, we recently discovered that a substantial balance remains. This directly contradicts the terms that were represented to us at the time of sale. 

When we requested our contract, we located the copy we retained at home, and it is not signed by either myself or my husband. XXXX XXXX XXXX XXXX claims to have a signed version of the contract on file. However, the signatures shown on the version they provided do not belong to either of us. Neither borrower signed this agreement, either in person or electronically. 

We disputed the authenticity of the signatures through a formal complaint. XXXX XXXX responded by stating the signatures are valid but did not provide any supporting documentation or evidence showing how authorization was obtained. The previous CFPB complaint was closed without resolution. 

We believe this matter involves : Misrepresentation of loan terms by the sales representative Unauthorized or improperly originated financing Enforcement of a loan based on disputed and potentially invalid signatures Excessive interest charged based on terms we did not agree to I have attempted 3 times to get an update from the resolutions department via emails and they have not responded.

Company response to consumer: Closed with explanation