vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
ON XXXX I FORMALLY SENT A VALIDATION DISPUTE NOTICE TO BARCLAY IN WHICH THEY FINALLY REPLIED ON XXXX WITHOUT PROOF OF PROPER VALIDATION OR REINVESTIGATION AND CONTINUED TO REPORT NEGATIVE INFORMATION ON MY CREDIT REPORTS ON XXXX XXXX XXXX AND XXXX. ALSO ON XXXX THEY PROVIDED AND SHARED MY INFORMATION WITHOUT MY WRITTEN CONSENT TO A XXXX PARTY For continued collection efforts, your account was placed with XXXXXXXX XXXX XXXX XXXX. For information concerning the account, please contact them directly IN THERE RESPONSE LETTER VIOLATING MY CONSUMER RIGHTS UNDER THE ( FCRA ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally dispute the validity, accuracy, and authorization of the following account and any associated information reported under my name in your database : - Alleged Bank Name : XXXX XXXX XXXX - Alleged Routing/Account Number : XXXX / XXXX - Full Name : XXXX XXXX - Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX I am asserting that this account is inaccurate, unverified, and was never authorized by me.

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 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This complaint is related to a recent filing against Midland Credit XXXX which was filed on XX/XX/year> but has failed to respond according but instead, has sent a letter to me, dated XX/XX/year> ( see attached ). As previously filed on XX/XX/year> case # XXXX I specifically demanded that this company cease and desist any further communication with me as related to this alleged debt. as per my consumer rights under the Federal Fair Deb Practices Acr, ( 15 USC 1692c ). Instead, this company violated my consumer protection rights under said Federal law and sent a letter of communication to my home, via US mail, dated XX/XX/year>. Besides violating my consumer protection rights per the Federal and State debt Collection Practices act so stated above, this letter from Midland Credit XXXX wrote, They were provided the following updates, We have closed your account and ceased collections. You have no further obligation regarding this account. 
They also provide a phone number to call their customer support with any further questions. Again, I filed a complaint against this company and XXXX XXXX on XX/XX/year> and demand them to Do Not Contact Me Further as to relates to this alleged account. Comenity bank responded back through the CFPB portal as expected. To date, Midland Credit XXXX has not responded to the original complaint filed on XX/XX/year> case # XXXX but instead, violated my consumer protection rights by instead, send me this update letter, dated XX/XX/year>. I want to point out, although Midland Credit XXXX has stated in their illegal letter, violating my demand to not contact me in this manner, they wrote that this alleged account with them, I have no further obligation to Midland Credit XXXX as to this alleged account, that they have further closed this alleged account and ceased all collections to it, they still indicate in this letter a current balance, which shows {$500.00}. 

This information XXXX needs to be corrected to show this balance is or has a XXXX. ( XXXX ) balance with this company, Midland Credit XXXX but could have responded to this through this complaint, government website, CFPB thats still awaiting a response from his company, Midland Credit XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Bank XXXX XXXXXXXX Has violated my rights. I looked at my Experian report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning individual about whom the report relates according to 15 USC 1681 { e ) ( b ). And according to 15 USC 1681i 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. ( A ) In generalf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information, as appropriate based on the results of reinvestigation and promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

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 2025-07-20 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: MI

Complaint narrative:
On XX/XX/2025, I reviewed my TransUnion credit report and noticed that an account from XXXX XXXX is being reported as Derogatory with a XXXX XXXX XXXX notation, despite the fact that : The balance is {$0.00} The payment status is marked current The account does not appear on XXXX XXXX XXXX I have no documentation confirming that this account was included in my XXXX XXXX XXXX filing, nor have I received verification from TransUnion showing how or why this remark was applied. 

Under the Fair Credit Reporting Act ( FCRA ) : 602 ( A ) requires maximum possible accuracy 611 allows consumers to dispute and demand reinvestigation 623 prohibits furnishers from reporting inaccurate or incomplete data I believe this account may be inaccurately reported or unverified, and its presence is unfairly damaging my credit profile.

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 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am XXXX XXXX who was played and cheated by Coinbase for 3 months. I am writing to file an XXXX, FOLLOW-UP COMPLAINT concerning Coinbase 's egregious, ongoing violation of consumer rights and blatant disregard for the CFPB 's authority. This complaint supplements and escalates my initial filing on XX/XX/year> ( CFPB Complaint ID : XXXX ). 

Background : Coinbase 's Unlawful Seizure & Contempt for Regulation 1. Unjustified Asset Seizure : On or around XX/XX/year>, Coinbase, without any explanation or justification, froze my account and seized my digital asset holdings : XXXX XXXX ( a stablecoin pegged 1:1 to the US Dollar ). This constitutes an unlawful taking of private property. 
2. Complete Transparency Refusal : For over three months, Coinbase has categorically refused to provide any reason for the seizure, a timeline for resolution, or any semblance of a workable solution. This opacity is unacceptable and inherently predatory.

3. Defiance of CFPB Oversight : Despite my original CFPB complaint filed over 75 days ago, Coinbase 's conduct has worsened. The CFPB 's response, while appreciated, arrived after an unacceptable 60-day delay. Crucially, Coinbase remains utterly unresponsive and defiant. They continue to hold my assets hostage, demonstrating open contempt for the CFPB 's investigation and regulatory mandate. This is not mere negligence ; it's willful non-compliance and a direct challenge to the CFPB 's authority and US financial regulations.

Impact : Coinbase 's Actions Are Actively Harming My Health & Finances Coinbase 's illegal seizure and deliberate inaction have moved far beyond financial inconvenience ; they now pose a severe and immediate threat to my health and financial stability : Critical Medical Bills Unpaid : The seized funds ( valued at {$4300.00} USD ) were earmarked to cover essential medical expenses.

Mounting Debt & Financial Ruin : Due to Coinbase withholding these funds, I have been unable to pay these bills. This has resulted in significant, accumulating late fees and interest penalties, pushing me deeper into debt.

Imminent Health Crisis : If Coinbase does not return my funds IMMEDIATELY, I face the catastrophic consequence of being completely unable to pay critical upcoming medical bills. The denial of access to these funds for essential healthcare needs due to Coinbase 's illegal actions directly endangers my well-being and safety. Coinbase must be held accountable for the foreseeable harm caused by their willful obstruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
I am filing this complaint regarding a disputed account being reported by the data furnisher XXXX XXXX on my XXXX  credit report. 

I have submitted two dispute letters to Experian on or around XX/XX/XXXX, and XX/XX/XXXX, concerning the accuracy and verifiability of this account. Despite my detailed requests under federal consumer protection laws, Experian responded by stating the account was " verified, '' yet no documented evidence of any verification was provided. 

Account Details : Creditor Name : XXXX XXXX Account Type : Installment Sales Contract Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Payment Status : Late 120 Days Comments : Settlement accepted/ Closed with XXXX balance Last Reported : XX/XX/XXXX Violations : Inaccuracy ( 15 U.S.C. 1681e ( b ) ) The account continues to reflect inaccurate derogatory information that is not supported by complete or verified documentation. The reporting must meet the standard of maximum possible accuracy. It currently does not. 

Unverifiable Information ( 15 U.S.C. 1681i ( a ) ) The data furnisher and XXXX  failed to provide evidence verifying the accuracy of the information as requested. Under FCRA, unverifiable data must be deleted. 

Failure to Properly Investigate ( 15 U.S.C. 1681i ) XXXX  did not conduct a reasonable reinvestigation of the disputed account. Instead, they returned the same unverifiable data with no substantive change or explanation. 

Failure to Validate Debt ( 15 U.S.C. 1692g ) The data furnisher has not provided debt validation under the FDCPA despite repeated written requests. 

Improper Reporting of Obsolete Information ( 15 U.S.C. 1681c ) The data remains on my report without substantiation and should not continue to negatively affect my credit. 

Violation of Furnisher Duties ( 15 U.S.C. 1681s-2 ) XXXX XXXX continues to report disputed and unverifiable information without correction, in violation of its duty to investigate and report accurate information.

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 2025-07-20 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple entries currently appearing on my credit file. These accounts and inquiries contain inaccurate information, unverifiable debt, or inconsistencies across the major credit bureaus. 

Disputed Accounts : XXXX XXXX XXXX payment reported in XX/XX/XXXX does not match my records and appears to be incorrect. 


XXXX XXXX XXXX XXXX account opened XX/XX/XXXX is unverifiable and lacks supporting documentation of the original debt. 


Capital XXXX ( Acct XXXX ) Closed account continues reporting derogatory history as of XX/XX/XXXX, with inconsistencies. 


Capital XXXX ( Acct XXXX ) Another closed account last updated XX/XX/XXXX, also reporting negatively without validation. 


XXXX XXXX XXXX XXXX XXXX XXXX updated XX/XX/XXXX, with no current balance or proof of delinquency. 


XXXX XXXX XXXX XXXX separate listings : XXXX opened XX/XX/XXXX, updated XX/XX/XXXX Another opened XX/XX/XXXX, updated XX/XX/XXXX These appear to reflect duplicate reporting of the same account. 


Disputed Hard Inquiries : The following inquiries appear on only XXXX bureau and raise questions about authorization and reporting accuracy : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian only ) XXXX XXXX XXXX XXXXated XX/XX/XXXX ( Equifax only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnder the FCRA, hard inquiries XXXX have both written authorization and a legitimate purpose. Please delete any that can not be supported with original application records or signed consent.

Additionally, every item on a credit report must be complete, accurate, and verifiable. If an account or inquiry can not be confirmed through original documentation or is inconsistently reported across the major credit bureaus, I request that it be permanently removed. Thank you P.s Due to file size limits, I was unable to upload supporting credit report documents here. However, I can provide full copies of my Equifax and Experian reports upon request. I have full PDFs available and can provide them by email or secure upload upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: OH

Complaint narrative:
I am submitting this formal complaint against Experian, Equifax, and TransUnion for failing to comply with federal law under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards.My information is being used without my permission All three credit bureaus are currently reporting : Accounts that are over XXXX XXXX XXXX, violating FCRA XXXX ( a ) Unauthorized hard inquiries made without my consent, violating FCRA 604 ( a ) ( 3 ) and 607 ( b ) Delinquent accounts that are missing a valid Date of First Delinquency ( DOFD ), which violates FCRA 623 ( a ) ( 5 ) and results in illegal re-aging These items are harming my credit profile and should have been removed. My previous disputes were ignored or returned with inaccurate results. I was never provided the required documentation or contracts to verify these accounts, violating FCRA 609 ( a ) ( 1 ). The reinvestigation process was incomplete and did not meet the requirements of FCRA 611.

I have filed a formal FTC Identity Theft Report and am including it with this complaint as supporting documentation. This report outlines unauthorized activity and unverifiable accounts currently being reported by all three bureaus.

I demand the following actions be taken immediately : Permanent removal of all inquiries that lack a permissible purpose Deletion of any account older than 7 years from the Date of First Delinquency Suppression or deletion of any tradeline missing DOFD or showing signs of illegal re-aging Enforce full compliance with FCRA 604, 605, 609, 611, and 623 If this issue is not resolved promptly, I will take further legal action under FCRA 616 and 617, which allows for monetary damages due to negligent or willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: OH

Complaint narrative:
I am submitting this formal complaint against Experian, Equifax, and TransUnion for failing to comply with federal law under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards.My information is being used without my permission All three credit bureaus are currently reporting : Accounts that are over XXXX XXXX XXXX, violating FCRA XXXX ( a ) Unauthorized hard inquiries made without my consent, violating FCRA 604 ( a ) ( 3 ) and 607 ( b ) Delinquent accounts that are missing a valid Date of First Delinquency ( DOFD ), which violates FCRA 623 ( a ) ( 5 ) and results in illegal re-aging These items are harming my credit profile and should have been removed. My previous disputes were ignored or returned with inaccurate results. I was never provided the required documentation or contracts to verify these accounts, violating FCRA 609 ( a ) ( 1 ). The reinvestigation process was incomplete and did not meet the requirements of FCRA 611.

I have filed a formal FTC Identity Theft Report and am including it with this complaint as supporting documentation. This report outlines unauthorized activity and unverifiable accounts currently being reported by all three bureaus.

I demand the following actions be taken immediately : Permanent removal of all inquiries that lack a permissible purpose Deletion of any account older than 7 years from the Date of First Delinquency Suppression or deletion of any tradeline missing DOFD or showing signs of illegal re-aging Enforce full compliance with FCRA 604, 605, 609, 611, and 623 If this issue is not resolved promptly, I will take further legal action under FCRA 616 and 617, which allows for monetary damages due to negligent or willful noncompliance.

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 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MS

Complaint narrative:
My cashapp account was closed a long time ago for violation of terms of use. I didnt do anything wrong and really need to reopen my cashapp account. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Wells Fargo regarding inaccurate and inconsistent credit reporting. The dispute was received and signed for on XX/XX/year>, via Certified Mail ( see attached POD ). I specifically contested discrepancies in account number ending in XXXX, where the Date Last Active and High Credit are reported inconsistently across credit reportsXXXX vs. XX/XX/year> and {$9600.00} vs. {$0.00}, respectively. 

Despite this, Wells Fargo has not responded with any written verification or correction, violating their obligations under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and report accurate information.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MS

Complaint narrative:
Account number : XXXX XXXX above account is shown on my consumer credit report in collection status. According to Mississippi statue of limitation laws, attempting to collect a debt after three years is illegal. The fact that this debt has been canceled by XXXX XXXX via 1099-C with the IRS, it is considered a certificate of indebtedness, which is considered taxable income to me. By law my income can not be reported on my consumer credit report. Also this debt is past 7 years old it should not be still reporting on my consumer credit report.

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