vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX XXXX with official XXXX orders to an XXXX location. Per the Defense Transportation Regulation ( DTR Part IV ), I am required to obtain a lienholder acknowledgment letter stating that my financed vehicle will remain stored at a government-approved long-term storage facility in the U.S. 

I contacted Hyundai Motor Finance multiple timeXXXX beginning in early XX/XX/year> to request this letter. I clarified that I am not seeking to export the vehicle or request SCRA benefits. I simply need a written acknowledgmenton Hyundai letterheadthat confirms the vehicle will remain within the continental U.S. while in storage. Despite my explanations, I have repeatedly been told by customer service that Hyundai does not provide such letters. 

Other military members have received similar letters from Hyundai after escalation, proving that this is possible and not a liability waiver. As of XX/XX/year>, I have received no response, escalation notes, or resolution. I am at risk of losing my government entitlement for vehicle storage and incurring substantial personal costs. 

I respectfully request CFPB assistance in resolving this matter urgently, as the document is due no later than XX/XX/year>.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX ( Closed ) Still showing a balance DISCOVER CARD ( Closed ) Still showing a balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
To Whom It May Concern : This letter is regarding accounXXXX XXXX XXXX  which you claim I owe {$180.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2025-07-15 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: OR

Complaint narrative:
I have disputed XXXX XXXX accounts many times with the company and with the credit bureaus only to get more confusing inaccurate information posted to my credit accounts. These were prepaid accounts made to build credit after I have had many problems with financial abuse and fraud. They were in compliance and paid on time every time except when I happen to have a problem with the payment system on their end of the excepting payments. This they remedied for me and said that one time was forgiven since it was their fault. It would make no sense for me to damage my credit and damage my good payment history I have been building. I feel stuck and bullied by the fees that are added to accounts that are prepaid and were supposed to all be closed on XX/XX/year> with nothing owed and for any inconvenience just in good standing. Since I have reported they have lied over and over with all sorts of confusing information. I do not know what to do here beside maybe having to talk to a lawyer if I can't get this resolved and report to someone that can look up to see if they are working with these prepaid cards to get profit and keep confusing and targeting people to pay because it ruins their credit. I have more accounts than I ever opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
I have roughly {$400000.00} of digital assets and cash on Coinbase.com. In XX/XX/year> Coinbase unstaked my digital assets. I tried to move the assets out. I could access my account but could not transfer or liquidate any of my assets because they said they needed more information. They requested I upload identification which I did repeatedly. I spent hours on the phone with their customer service agents and they say " We'll escalate it and get back to you. '' I get emails saying my identity has been verified please log in to my account. I log in to my account and try to transfer out my assets and I am prompted to upload my identification and the process starts over. No one at Coinbase will help me get in to my account and use my assets. 

When I try to log in to my account a message says that they locked my account due to suspicious activity. When I ask the customer service agent what suspicious activity took place they tell me there was no suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest Credit is reporting a late payment that I fully dispute and demand be deleted. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sustained major injuries requiring extensive XXXX XXXX XXXX XXXX XXXX XXXX, and ongoing recovery through XXXX. I submitted a General Release of Liability for the incident and kept Bridgecrest informed of my hardship and medical condition. 

Despite being made aware, Bridgecrest still reported a late payment during this documented medical hardship while I was legally and medically impaired. This is not just damaging, its a violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), which prohibits the reporting of information known to be inaccurate, incomplete, or materially misleading. 

A late mark in this context is not legally valid. It misrepresents the situation, ignores my hardship disclosure, and was furnished with full knowledge of the circumstances. Bridgecrest had a legal duty to either correct, suppress, or investigate and failed to do so. 

This derogatory item is actively harming my credit profile and financial recovery. I am not disputing the loan I am disputing how and when it was reported in violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: DE

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, a sum of {$200.00} was withdrawn from my account at XXXX XXXX A claim regarding a canceled transaction was submitted on XX/XX/year>, as the merchant did not receive the funds in question. Under normal circumstances, I would have expected the funds to be returned to my account promptly. However, I have been informed by Cash App representatives that a credit of {$120.00} was issued, yet I have not received any notification or email confirming this transaction. The only information I possess regarding this matter stems from a conversation with an unhelpful operator. 

It is my understanding that all refunds are recorded in the transaction history immediately. Following my complaint about this issue, I was advised that I would receive a notification via email which I never received instead I was locked out of my account when I mentioned that I would file a complaint with consumer affairs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-07-15 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: NJ

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: Velocity Portfolio Group
State: AZ

Complaint narrative:
[ Your Address ] XXXX XXXX XXXX XXXX [ City, XXXX, ZIP Code ] XXXX [ Phone Number ] XXXX [ Email Address ] XXXX [ Date ] XXXX XXXX [ Recipients Name ] XXXX prime investment [ Company or Entity Name ] cks [ Address ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ City, State, ZIP Code ] XXXX, nj XXXX Subject : Dispute of Liability Civil Code 16810 ( Negligence and Noncompliance ) To Whom It May Concern : I am writing to formally dispute the assertion of liability made against me regarding [ briefly describe the matter e.g., " the alleged damages arising from the service agreement dated XX/XX/year> '' ]. 

Pursuant to California Civil Code 16810, a party is liable only when there is a clear and direct failure to comply with contractual obligations due to negligence or intentional disregard. I contend that I have acted in good faith, exercised reasonable care, and fulfilled my responsibilities in accordance with the terms set forth in the agreement. 

The claim that I am civilly liable for [ state the nature of the claim e.g., " property damages '' or " financial losses '' ] is inaccurate and unsupported. There is no substantial evidence demonstrating negligence or a material breach on my part. In contrast, the opposing party has failed to adhere to [ insert specific clause or obligation ], which may have directly contributed to the issue in question. 

Given these circumstances, I request that this claim be immediately reviewed and dismissed. If further legal action is considered, I will be prepared to provide supporting documentation and, if necessary, pursue remedies available under state law for false claims or misrepresentation. 

Please provide a written response acknowledging receipt of this letter and your intentions regarding this dispute within 10 business days. I expect this matter to be addressed fairly and in accordance with legal standards. 

Sincerely, [ Your Full Name ] XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
XXXX sent an unpaid account to collections for a bill where the amount was supposed to be XXXX. 

Per their policy : XXXX XXXX XXXXXXXX Under FAQ : Ques : How does the 30-Day Money-Back Guarantee work Ans : If you're not satisfied with XXXXXXXX XXXX XXXX  you can cancel and receive a service charge refund. * To be eligible for the refund you must : 1. Disconnect within the first 30 days after setup of service. 
XXXX. Return the XXXXowned equipment within 30 days from the date of disconnection. 

I did cancel my service within 30 days and the equipment was also returned within 30 days, hence meeting the criteria Per XXXX : Your 30-Day Money-Back Guarantee refund will be either a one-time bill credit or A refund to your original payment method Based on above, my bill should have been XXXX, but they still generated a bill and sent the bill to debt collection, also reporting to XXXX  Per their support rep on call, XXXX does not report these bills to the credit bureau or does not see to collections, which does not seem to be true as my inaccurate bill was reported I was never notified by XXXX that the inaccurate bill amount will go to collections if I don't pay. I was surprised to when I received the notifiacation directly from debt collection agency. 

After hearing from the debt collection agency, I immediately paid through Diversified Adjustment Service. I acted in good faith to resolve the account and was not informed that XXXX would still report the collection to XXXX after the debt was paid. 

I only became aware of this negative mark when I received a credit alert even though my goal in resolving the account quickly was to prevent credit damage. 

I am requesting that XXXX remove the collection account from my credit report as it was reported in a misleading and unfair manner. Ive already filed a dispute with XXXX  but am seeking your assistance in correcting this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX Equifax XXXX XXXX  XXXX XXXX, GA XXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX and co resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires
you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Please be advised that Td XXXX XXXX XXXX credit card company has not corrected the error they made when calculating my correct balance owed. 

TD XXXX has been charging a monthly minimum amount that is significantly higher than required. 

As a result of their billing errors, I have been assessed with unfair late fees. 

In addition, my account has been reported to the credit bureau. 

I have had several conversations with management, and no one has corrected this problem over the last 4 months. 



I want the correct balance to be calculated. 

I want the correct minimum payment due to be corrected. 

I want my credit report to be corrected by removing any negative information. 

I want any and all late payment fees to be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I am writing to formally dispute a collection account listed under my credit profile. I have never opened, authorized, or consented to the debt in question and am in no way affiliated with the originating creditor or collector.

Company response to consumer: Closed with explanation