vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: MT

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX * * * * In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: TX

Complaint narrative:
My mortgage loan was in pre-foreclosure, and a foreclosure sale was scheduled for XX/XX/XXXX. 

The servicer received my loan-modification application on XX/XX/XXXX, and later determined the application was complete on XX/XX/XXXX. The servicer has confirmed in writing that my complete application is currently under review by underwriting, with a decision expected by XX/XX/XXXX. 

I received written notice stating that foreclosure activity has been suspended during the review of my complete application. However, the suspension notice does not specifically reference the XX/XX/XXXX foreclosure sale date. 

Prior to this review, the servicer failed to communicate with me in a timely manner regarding a previously approved loan modification. The servicer later advised that modification-related correspondence had been sent to a law firm that has not represented me for over five years, despite my having notified the servicer multiple times of this change. As a result, I did not receive required documents or communications, and the previously approved modification was canceled through no fault of my own. This servicing failure directly contributed to my loan returning to pre-foreclosure status and has placed my family in our current situation.

Additionally, due to the foreclosure status of the loan, I am receiving repeated calls, emails, and in-person solicitations from third parties seeking to purchase my home or claiming to offer assistance. This has caused significant disruption and distress to my family and stems from the servicers failure to properly handle the modification process and related communications. 

I am requesting written confirmation that the XX/XX/XXXX foreclosure sale is suspended and will not proceed while my complete loss-mitigation application is pending, confirmation that any foreclosure counsel or trustee has been notified of the suspension, and confirmation that my correct contact information is reflected on my account. 

I am filing this complaint to ensure that no foreclosure activity occurs during the active review of my complete loan-modification application and to document the servicing errors that led to this situation, consistent with federal mortgage servicing rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I am disputing a debt listed by XXXX XXXX, Original Creditor : XXXX XXXX XXXX, Account XXXXXXXX XXXX XXXX XXXX, Balance {$360.00}, as inaccurate, incomplete, and unverifiable. I request full validation under DCPA 809 ( 15 U.S.C. 1692g ). I allege violations of FDCPA 807 ( 1692e ) and 808 ( 1692f ) for false, misleading, and unfair practices. The information reported may be obsolete or incorrect under FCRA 605 ( a ) and 605 ( c ), including the Date of First Delinquency ( DOFD ), and may violate FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) for failure to ensure accurate reporting. I am disputing all inaccurate or unverifiable information under FCRA 611 and request full disclosure under 609 ( a ) ( 1 ).

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 2025-12-18 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: CA

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

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 2025-12-18 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: CA

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Complaint to the CFPB Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Address : XXXX XXXXXXXX XXXX, XXXX, TX XXXX Complaint Summary I am filing this complaint because XXXX XXXX XXXX failed to respond to my written dispute sent by certified mail, and the credit reporting agencies later marked the account as verified without providing any documentation or explanation. I am requesting removal of this account from my credit reports due to lack of verification and failure to comply with federal law. 

Detailed Statement On XX/XX/year>, I sent XXXX XXXX XXXX a written dispute and demand for validation by mail regarding an alleged debt they claim I owe, Account No. XXXX, with a claimed balance of {$940.00}. The letter cited my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) and requested original, primary documentation to verify the debt. 

XXXX XXXX XXXX never responded to my certified dispute and did not provide any validation or documentation. 

After receiving no response, I disputed the account with the credit reporting agencies. The only responses I received were automated notices stating that the account was verified. These responses included no documents, no explanation of how the verification was performed, and no evidence supporting the accuracy of the alleged debt. 

As of today : The debt buyer has never validated the debt No original contract, payment history, or chain of assignment has been provided The credit bureaus relied solely on an electronic verified response The account continues to appear on my credit reports despite being unverified Violations and Legal Concerns I believe the following violations have occurred : FDCPA 15 U.S.C. 1692g ( b ) : Failure to provide validation and to cease collection after a timely written dispute FDCPA 15 U.S.C. 1692e : Misrepresentation of the amount and legal status of the debt by continuing to report it without proof FCRA 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation and to correct or delete unverifiable information FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Information that can not be verified must be deleted A verified response without documentation does not meet the legal standard for a reasonable investigation under federal 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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 there 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. 


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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I operate a small business called XXXX XXXX XXXX XXXX. I am currently down approximately {$6100.00} due to a check fraud scheme. 

I received two checks from a customer named XXXX XXXX for XXXX XXXX services in the amounts of {$3500.00} and {$2600.00}. 

Before using any funds, I called TD Bank on XX/XX/year> at approximately XXXX XXXX  to confirm whether the checks were legitimate. I was told by TD Bank customer service that the checks were valid and that I could proceed using the funds.I withdraw a {$1000.00} after the checks was deposit {$500.00} was my own money. 

The customer stated that XXXX XXXX was the driver who would be picking up and dropping off vehicles. I was instructed by the customer to send payments related to transportation and handling to the individuals he identified because total price I have him was {$3900.00} XXXX XXXX XXXX cars he send me extra money so I can send it to the driver. 

Later, the customer requested a refund. I called TD Bank again on XX/XX/year> at approximately XXXX XXXX  to ask how to handle the situation. I was advised that if I did not issue the refund, the customer could file a dispute and I would likely be required to pay anyway. Based on this guidance, I complied. 

Payments were sent via XXXX to the accounts provided by the customer, including : XXXX XXXX identified by the customer as the driver responsible for vehicle pickup and drop-off XXXX XXXX phone number ( XXXX ) XXXX After these transactions, the original checks were returned as fraudulent. After the check bounce When I went to the branch they said we can not say the check were legit because they where not fully clear but they did say that check was legit and I can go head and use those funds. 

I relied on TD Banks guidance in good faith. If I have been correctly informed that the checks were not fully verified, I would not have proceeded with any payments. 

If additional information is required, I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-18 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 filing this complaint against Equifax Information Services, LLC for failing to comply with its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and for continuing to publish unverified and disputed information despite receiving multiple written notices sent by XXXX. Beginning XX/XX/year>, I submitted a formal written dispute challenging the accuracy, completeness, and verification of an account reported by XXXXXX/XX/XXXXXXXX. I specifically requested that Equifax conduct a reasonable reinvestigation, obtain actual verification from the furnisher, and correct or delete the account if verification could not be produced. Equifax failed to provide any substantive verification. Instead, the bureau either failed to respond, issued non-responsive procedural replies, or claimed it was unable to process the dispute without addressing a single disputed item. At no time did Equifax provide evidence from the furnisher, documentation supporting continued reporting, or the results of a lawful reinvestigation. On XX/XX/year>, I issued a second written notice documenting Equifax failure to investigate, procedural evasion, and continued publication of disputed information. I again demanded verification and explicitly rejected reliance on automated systems such as e-OSCAR as insufficient. Equifax still failed to provide verification or correct my consumer file. On XX/XX/year>, I issued a Final Notice of Dishonor and Demand for Deletion after Equifax continued reporting the account without verification. Despite multiple opportunities, Equifax failed to demonstrate that it obtained or reviewed competent evidence from the furnisher before continuing publication. Equifax is now continuing to report this account without having verified its accuracy, which constitutes a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and a violation of its duty to ensure maximum possible accuracy under 15 U.S.C.

1681e ( b ). Publishing disputed information without verification causes ongoing harm to my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ava Finance, Inc
State: OH

Complaint narrative:
Debt Validation Complaint Letter ( CFPB ) Date : XX/XX/year> Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Creditor Name : AVA Financial Inc. 
Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX Re : Request for Debt Validation Account Number ( Partial ) : XXXX Claimed Amount : {$540.00} -- - To Whom It May Concern, I am submitting this complaint to formally dispute and request validation of the above-referenced debt that AVA Financial Inc. claims I owe . This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and all applicable federal consumer protection laws.

Please provide complete documentation validating this alleged debt, including but not limited to : 1. The exact amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges.

2. The name of the original creditor, if different from AVA Financial Inc., and the date the debt was incurred.

3. Copies of any contracts, agreements, or applications bearing my signature that establish my legal obligation to repay this debt.

4. Proof that AVA Financial Inc. is legally authorized to collect or service this debt.

5. A complete payment history, including all charges, credits, and adjustments.

Until this information is provided, I request that all collection activity cease, including any reporting, verification, or furnishing of this account to any credit reporting agency. If this account has already been reported, it must be marked as disputed.

If AVA Financial Inc. is unable to provide proper validation within XXXX  days, I request that the account be closed and removed from my credit reports, and that no further collection activity occur. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Reported numerous times that I'm a victim of identity theft. Submitted multiple police reports and the accounts still remain

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I maintained a verified Coinbase account that was last accessed in XX/XX/year>. At that time, my account held approximately USD {$460.00} in digital assets. 

In late 2024, I attempted to access the account and discovered it had been closed without prior notice. Coinbase later claimed that my assets were liquidated and transferred to Wyoming XXXX XXXX due to inactivity. 

Coinbase has refused to provide documentation supporting this claim, including account statements, liquidation records, transfer confirmations, or evidence of notice or attempted contact ( in spite of having our emails and telephone contacts ). 

I searched Wyoming XXXX XXXX records and found an entry under my name for only USD {$45.00}, which is materially inconsistent with my last known balance. 

I issued multiple written notices to Coinbase requesting substantiation, including formal XXXX and then a XXXX, deadlines. Coinbase has not provided a substantive response and has failed to address the discrepancy. 
They responded to our email when I couldn't log in ( claiming that it had been closed ). 
But to any subsequent emails after that, they did not even acknowledge! 

I am requesting assistance to obtain full disclosure of my account history, documentation of any liquidation or transfer, explanation of the discrepancy between amounts, and appropriate resolution including interest due for deprivation of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, XXXX, XXXX ) filed on XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I'm a XXXX XXXX XXXX XXXX and have a fraudulent collection account appearing on my credit reports. Attached is a letter which contains a name which is not me, but belongs to someone else.

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