vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reporting identity theft and fraudulent activity on my credit report. I submitted disputes directly to the credit bureaus providing an FTC Identity Theft Report and supporting documentation. Despite this, the fraudulent accounts and inquiries remain. The accounts do not belong to me, and they were opened and/or used without my authorization. I am requesting the immediate deletion of the fraudulent accounts, fraudulent addresses, and unauthorized inquiries in compliance with the Fair Credit Reporting Act ( FCRA ) 605B. I request expedited handling due to prior inaction and the impact on my ability to obtain housing and transportation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I was contacted by ( XXXX ) XXXX the evening of XX/XX/year> alerting me to purported suspicious activity on my Coinbase account, attempts to both transfer assets out of the account as well as purchase large amounts of assets ( XXXX XXXX XXXX  ). I asked the caller to verify that they were in fact calling from Coinbase & they directed me to such steps on the website and the domain of the subsequent emails ( XXXXXXXX XXXX XXXX XXXX ). They proceeded to first sign me up to the Coinbase XXXX  newsletter, then created a Case ID ( XXXX ) from a " XXXX XXXX '' from Coinbase 's " Fraud & Asset Loss Protection '' team. They then sent me via email to a portal to log in and verify my account information, set up Coinbase XXXX, and transfer the majority of my XXXX, XXXX, and XXXX assets into it, as well as enter my seed phrase of my hardware wallet ( where I keep a separate portion of my assets ) to disconnect it. I was told that even though I have XXXX authentication set up, it might've been due to the XXXX  XXXX that my account was compromised. They told me that the admin team would be taking additional security measures on my account & that after 24 hours all assets and transactions will be restored, and fees reimbursed. I then logged in later in the week to see that all of the assets have been transferred out of the wallet to some other address & contacted Coinbase support on XX/XX/XXXX, initiating this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The company closed my account without proper authorization. I cancelled XXXX payments which were made in error, as bank made the stop payment this company automatically closed my account leaving it open with high interest rates that should have been removed once the account was placed in a payment plan. THE COMPANY IS CHARGING LATE FEES AFTER RECEIVING PAYMENTS .The company is also falsifying information to the credit report ( CFPB COMPLAINT ID 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 2025-04-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I Filed a claim with Wells Fargo on XX/XX/XXXX against XXXX XXXX as they remover access to my unit before the request es move out date which caused a huge inconvenience as I had hired movers and was unable to access my items. Wells Fargo provided a provisional credit and a month letter they reversed it without making any contact with me regarding their final decision. The amount was {$260.00} which is a significant amount that is affecting my budgeted expenses and when I called in there was no claim representative available.

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On the website for my Capital One checking account, in the Capital One Offers section, there was an offer that said if I sign up at XXXX and am approved as an Accredited Investor, I would receive {$560.00} in my checking account. 
I signed up for XXXX through that offer on XX/XX/year>, and was approved as an Accredited Investor. I received an email on XX/XX/year> that said I qualified for the offer. 
But I never received the {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
A car company called XXXX has been reporting a paid repossession to all credit bureaus. I have disputed this multiple times but it keeps coming back verified. I request debt validation and was never received, the credit bureaus are not thoroughly investigating my claims. I have received no response to my debt validation request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
A car company called XXXX has been reporting a paid repossession to all credit bureaus. I have disputed this multiple times but it keeps coming back verified. I request debt validation and was never received, the credit bureaus are not thoroughly investigating my claims. I have received no response to my debt validation request.

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 2025-04-26 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:
A car company called XXXX has been reporting a paid repossession to all credit bureaus. I have disputed this multiple times but it keeps coming back verified. I request debt validation and was never received, the credit bureaus are not thoroughly investigating my claims. I have received no response to my debt validation request.

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 2025-04-26 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: MA

Complaint narrative:
Dear CFPB/Credit Bureau Legal Department ; I am filing a formal complaint regarding several accounts that continue to report inaccurate, unverifiable, and misleading information on my credit report despite multiple disputes. These accounts contain numerous factual errors, including inconsistent balances, incorrect payment histories, wrong dates of last activity, and improper statuses all of which materially mislead lenders about my creditworthiness.

Despite repeated disputes and requests for validation, the credit reporting agency merely responds with pre-scripted language such as verified as accurate, without conducting a lawful reinvestigation as required by FCRA 1681i ( a ). No documentary evidence, billing records, original signed contracts, or proper chain of custody validation have been provided by the furnishers, violating FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681s-2 ( b ) ( duty to investigate ). 

Prior case law supports my position : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires a reasonable, independent reinvestigation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reporting technically accurate but materially misleading information still violates the FCRA. 

XXXX v. Equifax XXXX XXXX, XXXX, XXXX XXXX XXXX failure to correct inaccurate data after notice violates consumer rights. 

This repetitive failure to conduct a reasonable reinvestigation and the continued reporting of known inaccuracies is willful noncompliance under FCRA 1681n and negligent violation under 1681o, exposing the bureaus and furnishers to potential liability.

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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XXXX XXXX, This transaction has been originally charged on XX/XX/XXXX on my apple card with respect to the order of XXXX XXXX pro Natural titanium XXXX. However, due to delay in shipment, I requested to cancel the shipment. The customer support person informed me that the orders which are in processing can not be cancelled and they requested me to return the device thru the XXXX return label issued by XXXX after the shipment delivery. Based on that conversation and shipping label issued, I had returned the device on XX/XX/XXXX & the proofs are attached with this email. The shipment even delivered to the target address on XX/XX/XXXX. 

Though the device shipment has been delivered, I haven't received any refund from Apple. I tried contacting the customer support multiple times. Hence, I had raised a dispute for this transaction. This has been going back and forth for over a year now and submitting this proof to the investigation team multiple times ( close to than XXXX times ). However, I am receiving a generic statement stating the proof is not sufficient enough to honor the dispute. 

I have called apple customer service to explain the issue, after which they are agreeing with my concern after reviewing all the documents shared and also being informed that the case will be forwarded to the investigation officer. However my dispute is being cancelled with a generic statement saying details are not sufficient. If there's any missing document / information, I have asked for a call back session arranged with the investigation officer. The concern here is I do not have any escalation channel to deal with this and I am really frustrated with the way this issue has been handled. 

Dispute raised dates, XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX I do have the XXXX receipt tracking number to prove that the shipment has been returned and received at the return end & I have kept sending this details to the dispute team whenever they ask for it. 

During my last response this year, I clearly mentioned to call me or send email with the additional details to support this dispute. However, I haven't got any update and finally I received an email saying this dispute couldn't be honored due to missing document. 

In short, the devices were sent back to the mentioned return channel and I haven't got any credit which I am struggling with the team.

Total number of transactions : 2 Total Transaction value are : {$2300.00} ( {$1100.00} for each transaction ) Transaction date : XXXX Last disputed tracking numbers are XXXX & XXXX Regards XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Our home sustained substantial damage from hurricane XXXX on XXXX XXXX, XXXX, including personal property damage. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX literally busted through our XXXX XXXX. In working with our insurance company, XXXX of the damage payment checks were made out to me and Shellpoint Mortgage -- XXXX XXXX XXXX dated XX/XX/XXXX for {$61000.00} and XXXX XXXX XXXX, dated XX/XX/XXXX for {$60000.00}. Shellpoint requested that I endorse the checks, send the checks to them, they would endorse the checks and return them to me. They did not to that -- they deposited the checks into their account. After several requests from me, about a month or so later, they sent me {$40000.00} from each check -- {$80000.00}, and retained {$41000.00}. They said that they would be holding the balance of our money until all repairs were completed. On XX/XX/XXXX, Shellpoint sent their XXXX who verified all repairs had been satisfactorily completed. They still refused to send us our money. They said that they needed XXXX XXXX XXXX XXXX  from all of the contractors that did the repairs. On XX/XX/XXXX, I faxed all of the XXXXXXXX XXXX to Shellpoint, and again, on XX/XX/XXXX, I emailed the XXXX XXXX to a Shellpoint Supervisor, XXXX XXXX. She then assured me [ at that time ] that Shellpoint would be sending out our money immediately. She even gave me XXXX tracking numbers so we could track our checks. The tracking numbers are : XXXX and XXXX. 
As it turned out, the checks were never sent and each time I call Shellpoint, I get the run-around -- I talk to different supervisors and each XXXX stumbles around the issue, then assures me that they will get this resolved and that they will call me back within XXXX hours. They never call back and over the past couple of days, when I call Shellpoint, they ask me my loan number, the last XXXX numbers of my social security number, and my zip code. They put me on hold for a couple of minutes, then just hang-up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Skrill USA, Inc.
State: VA

Complaint narrative:
I have been having an ongoing issue with Skrill not refunding me {$380.00} for disputed transactions. I finally had to file complaints with XXXX and XXXX case # XXXX and once I did XXXX agreed to refund the remaining amount. XXXX told both companies that on XX/XX/year> a decision was made to go ahead and issue a refund and they now consider the case closed. Here it is a week later and I still do not have my money and nobody can tell me when I even will receive it, so how can they consider this matter closed when a refund still has not been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc.
State: RI

Complaint narrative:
Was not notified of payments resuming, accounts reported as delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is an inquiry on my Equifax, Transunion, and Experian credit reports from a company called XXXX XXXX  that I did not submit nor authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute late payments and inaccurate information on my credit report. Upon reviewing my credit file, I noted discrepancies related to the following account ( s ) : Creditor Name : XXXX XXXX ( Paid off/closed ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XX/XX/XXXX Inaccuracies in account status, balance, date opened. 

Creditor Name : XXXX ( Closed, paid off ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XX/XX/XXXX Inaccuracies in account status, payment status, date opened, date last active. 

Creditor Name : XXXX ( Closed ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 
Inaccuracies in Date last active, last payment date. 

Creditor Name : XXXX XXXX XXXX ( closed ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XXXX Inaccuracies in last payment, last active. 
Account sold to another lender in which I did not agree and have no contract with. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XXXX Inaccuracies- balance Creditor Name : XXXX XXXX ( closed/paid off ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XXXX Inaccuracies- date open, last reported, last active. 

Creditor Name : XXXX ( closed ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XXXX Inaccuracies- last payment, last active, date opened. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This account is a collection/charge off. 
Inaccuracies- Date opened Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This account is a collection/charge off. 
Inaccuracies- account status, balance, last reported. 

In accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Consumer Credit Protection Act, I am formally requesting an immediate investigation into these matters. If the information can not be verified, I respectfully request that it be corrected or deleted from my credit file. 

Specifically, under Section 611 of the FCRA, I have the right to dispute information I believe is inaccurate, and the credit reporting agency must investigate the dispute within 30 days of receipt. Furthermore, any unverifiable or inaccurate information must be promptly deleted, as outlined in the FCRA. 

Please provide a written response detailing the results of your investigation and an updated copy of my credit report once your review is complete. 

Thank you for your immediate attention to this important matter. Please contact me at your earliest convenience should you need any further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX. I have filed a dispute regarding my credit report utilizing law FCRA XXXX ( b ) ( XXXX U.S.C. XXXX ) : Stating that the negative information reported on my Transunion XXXX credit report be blocked and removed within XXXX business days. The original filed complaint ( Complaint ID : XXXX ) Was read and accepted on the date of XX/XX/year>. Today 's date is now XX/XX/year>. 
This is in fact in clear violation of the law FCRA XXXX ( b ) ( XXXX XXXX. XXXX ) All information should be blocked and removed off of my Equifax XXXX credit report within XXXX business days and it is has now been XXXX business days. 
I demand all the negative information reported in the original complaint ( Complaint ID : XXXX ) be removed IMMEDIATELY under the law FCRA XXXX ( b ) ( XXXX U.S.C. 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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: IN

Complaint narrative:
On XX/XX/year> I reported to Credit Karma an unauthorized electronic transaction on my Credit Karma XXXX  Debit Card from XXXX in the amount of {$1400.00}. I authorized Credit Karma to deactivate my visa debit card right away and placed fraud alerts with all three of the credit bureaus. The reported unauthorized transaction was denied by Credit Karma, no credit was given, and no documentation or reason was given to me. I called credit Karma two more times and requested to appeal the decision and again in a few days it was closed and denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
It is obvious I was a victim of identity fraud and someone has been using my identity to obtain accounts. I have reported to the proper authorities as well as Equifax. However, the accounts still remain on my credit report as of XX/XX/year>. I have sent by certified mail a copy of a filed police report, a report from the FTC as well as a letter to Equifax. However, nothing has been done. This is a violation of the FCRA Section 601b as well as bad faith by the reporting agency ( Equifax ). I am in receipt of the certified letters as well as attaching all documents at the CFPB. I have reported to Equifax addresses I have never lived at or been associated with as well. All accounts related to that address need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief