vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.

Complaint narrative:
Greetings, The website Blockchain.com partnered with the website XXXX and sold me XXXX gold tokens called Wrapped-DGLD on XXXX XX/XX/year> which supposed to be a gold backed token that they advertised so much. The network was said to be migrated and they gave a new token called XXXX to all users. But they never actualize my tokens migration and left me hanging.

This company has robbed me with little money.I feel like they sold this token knowing that they will have give no service to any buyers and that the token will have no transactional value. It was a total deceit. The token they have now is also useless. They delibrately orchestrated this scam so the users think they are investing to gold but they will have no way to have their money back.

I think it is premeditated and the support offers no help. Even though I am tryting to contact them for years. They always shift awau from the topic and give misleading answers. The fact that is that they encourage to buy this token. They initiated sort sort of exit scam and now the token is not sellable. I available to assist you with any further questions and documents. 

Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding NR/SMS/CALs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. NR/SMS/CAL has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. NR/SMS/CAL XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as my formal dispute of several collection and charge-off accounts currently being reported on my credit file. After a thorough review, I have determined that these accounts are inaccurate, incomplete, and/or unverifiable, and therefore must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my legal right to request a complete reinvestigation of each disputed account. The credit reporting agency and the furnisher of the information are both required to verify the accuracy, completeness, and legitimacy of all data being reported. If proper verification including signed contracts, original account documentation, and lawful assignment of debt can
not be provided, these items must be permanently deleted from my credit file.

In addition, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are strictly prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting unverifiable or incomplete accounts constitutes willful noncompliance and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: PA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
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 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 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
Consumer complaint received 2025-10-23 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: PA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TN

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX  XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

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 2025-10-23 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: TN

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX  XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

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 2025-10-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This complaint supplements prior CFPB XXXX XXXX. XXXX. 
Despite formal Cease-and-Desist and Validation Notices served on Navy Federal Credit Union ( acknowledged by their legal department ), the company continued reporting several charged-off accounts to XXXX XXXX XXXX XXXX  for over XXXX year. 

In its XX/XX/year> CFPB response, XXXX XXXX : Admitted receipt of my Power of Attorney and cease-and-desist ; Referred to me incorrectly as XXXX XXXX, showing an identity-handling failure ; and Asserted that it would not request the removal of valid data. 

After my written rebuttal to that response, XXXX XXXX removed the three disputed accounts from all credit bureausan effective admittance of wrongdoing after a year and a half of continued reporting. 

During that time, XXXX XXXX violated : XXXX5 U.S.C. 1692g ( b ) and 1692k ( FDCPA ) continued furnishing after cease-and-desist ; 12 C.F.R. 1006.34 ( Reg F ) failure to provide validation disclosures ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
After my previous CFPB dispute, Equifax changed the information for the same account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by altering the balance from {$910.00} to {$0.00} between XX/XX/year>, and XX/XX/year>, while also adding a remark code stating Consumer disputes reinvestigation in progress.

This means that Equifax modified the account information during an active investigation, without providing any verified documentation from the original creditor XXXX XXXX XXXX authorizing this change. 
Such a modification during a reinvestigation violates FCRA 611 ( a ) ( 5 ) ( B ) and 607 ( b ), which require that all updates or reinserted data be verified, accurate, and supported by the furnisher of information.

Attachments / Evidence : Screenshot showing the remark Consumer disputes reinvestigation in progress.

Screenshot showing the balance change from {$910.00} to {$0.00} during the same period.

These images demonstrate that Equifax altered the data while the dispute was still under reinvestigation, confirming a material violation of FCRA procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Even though the balance is cleared, the report continues to show late remarks.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Even though the balance is cleared, the report continues to show late remarks.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my TransUnion credit report and found multiple inaccuracies in my personal information, including several incorrect versions of my name and an outdated employer. 
On XX/XX/year>, I submitted a written dispute to TransUnion requesting correction under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

I asked them to update my record with my correct identifying information and remove all outdated phone numbers.

These errors may negatively affect my credit profile.

I am requesting CFPB assistance to ensure TransUnion completes the reinvestigation and issues an updated report within the 30-day period required 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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Netspend Corporation
State: AR

Complaint narrative:
TO THE REGULATOR ( CFPB/OCC ) : REGULATION E VIOLATION - ILLEGAL DENIAL, REVERSAL, AND DEBT COMPANY NAME : XXXX, XXXX. ( NetSpend ) ACCOUNT HOLDER NAME : XXXX XXXX ACCOUNT NUMBER : XXXX On or before XX/XX/year>, I initiated a formal dispute for multiple unauthorized/fraudulent charges ( totaling approximately \mathbf { \ {$580.00} } ) under the Electronic Fund Transfer Act. The earliest dispute update in my records is dated XX/XX/year>, XXXXXXXX XXXX  ( " Netspend Debit Account Dispute Update '' ). 
My email records confirm the following critical regulatory failures : Failure to Meet 10-Day Deadline & Provisional Credit : The bank failed to resolve the dispute within the initial 10 business days. An email on XX/XX/year>, referenced a prior " XX/XX/XXXX Provisional Credit Issued, '' confirming the bank was required to and did issue temporary credit while extending the investigation. 
Illegal Denial & Debt Creation : The bank reversed this credit and formally denied the dispute on XX/XX/year> ( confirmed by the " Netspend Debit Account Dispute Update '' emails at XXXXXXXX XXXX ). This denial resulted in the creation of an unlawful negative account balance of \mathbf { -\ {$580.00} }. 
CRITICAL REGULATORY VIOLATION ( 12 CFR 1005.11 ) & PUNITIVE DEBT : The negative balance was caused by the bank 's failure to complete a proper investigation and its illegal reversal of the provisional credit. The banks own Overdraft Service notice from XX/XX/year>, shows I was already being penalized, but the bank 's action on XX/XX/XXXX directly caused the bulk of the negative debt that is now punishing me. 
The bank 's action constitutes a penalty for its own failure to comply with Regulation E requirements. Customer Service has since refused to waive the resulting fees ( confirmed by email on XX/XX/year> ). 
I demand that the CFPB/OCC compel XXXX to immediately : ( 1 ) XXXX XXXX XXXXXXXX { -\ {$580.00} } illegal debt, ( 2 ) Permanently CREDIT the full amount of the disputed fraudulent charges, and ( 3 ) REFUND all associated service and overdraft fees.

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