vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: CL Holdings LLC
State: FL

Complaint narrative:
To whom it may concern I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report, as I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute and request the deletion of any unauthorized accounts.

The following accounts were fraudulently opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Jefferson Capital ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ), along with a copy of my government-issued ID and any supporting documentation. 

Per 15 U.S. Code 1681c-2, credit bureaus must block fraudulent information within four business days of receiving an identity theft report. I also request that you provide me with an updated copy of my credit report reflecting these removals. 

Please confirm in writing that these fraudulent accounts have been removed. If you require additional information, please contact me at the phone number or email listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
To whom it may concern I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report, as I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), I have the right to dispute and request the deletion of any unauthorized accounts. 

The following accounts were fraudulently opened in my name : XXXX Crunch XXXX XXXX Card Services Account Number : Unknown Fraudulent Amount : {$120.00} XXXX Installment Loan ( XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : {$1300.00} XXXX Fire and Casualty XXXX Credit Control Service ) Account XXXX XXXX Unknown Fraudulent Amount : {$700.00} XXXX ( Caine & Weiner ) Account XXXX XXXX XXXX XXXX Amount : {$1500.00} I have attached a copy of my Federal Trade Commission ( FTC ) XXXX XXXX Report ( Report Number : XXXX ), along with a copy of my government-issued ID and any supporting documentation. 

Per 15 U.S. Code 1681c-2, credit bureaus must block fraudulent information within XXXX business days of receiving an identity theft report. I also request that you provide me with an updated copy of my credit report reflecting these removals. 

Please confirm in writing that these fraudulent accounts have been removed. If you require additional information, please contact me at the phone number or email listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2025-04-02 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: AZ

Complaint narrative:
Subject : Dispute Not Corrected Request for Investigation Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation into a dispute I submitted regarding inaccurate information on my credit report. I previously filed a dispute providing supporting documentation to substantiate my claim. However, despite the allotted time for investigation, the incorrect information remains unchanged. 

I believe this inaccuracy is negatively impacting my credit profile, and I am requesting your assistance in ensuring the matter is properly reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Please let me know the next steps in addressing this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year> Citi responded with a citi reference number XXXX sending a note without properly proving this account was mine despite the police report and identity theft report that was provided. I request this to be investigated along with the proof to properly handle this accordingly. 

The note added to my credit file regarding making a note of disputed by the consumer is not acceptable. This is not mine and I expect this to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
The following is a copy of the letter I sent with a returned XXXX receipt from XXXX at Coinbase : Dear Coinbase XXXX Department, This letter serves as a formal demand for the immediate return of my XXXX  assets unlawfully removed from my Coinbase account on or around XX/XX/year>. Please review the following timeline of events, supported by attached documentation : 1. XX/XX/year> : I purchased {$3000.00} USD of XXXX  from my XXXX bank account ending in # XXXX. This transaction is confirmed in the attached documents, labeled XXXX ( XXXX bank statement ) and B ( Coinbase transaction record ). 

2. XX/XX/year> : I received a red alert notification on my Coinbase account ( screenshot labeled C ) and promptly contacted Coinbase XXXX. 

3. XX/XX/year> : Coinbase XXXX requested an image of my XXXX bank account statement to confirm the transaction ( attached as D ). I complied, providing the requested documentation ( attached as A ). 

4. XX/XX/year> : Without any notice, XXXX XRP was removed from my Coinbase account. 

5. XX/XX/year> : I contacted Coinbase XXXX again. Representative XXXX confirmed the XX/XX/year> purchase and stated there was no issue with the transaction. XXXX assured me that the matter would be escalated and resolved within XXXX hours. 

6. XX/XX/year> : Despite this assurance, my XRP remains missing. I should have a total of XXXX XRP in my Coinbase account, reflecting my original balance before the unauthorized deduction. 

This situation constitutes a serious breach of XXXX fiduciary responsibility to safeguard customer assets. I have acted in good faith by providing all requested documentation to facilitate the resolution of this matter. Despite XXXX assurances, I have not received the return of my XRP. 

Demand : I hereby demand the immediate return of my XXXX XRP or the equivalent monetary value as of the date of this letter. If my account is not fully restored within 30 days from the date of this letter, I will pursue further legal action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages for the unauthorized removal of my assets. 
This letter is sent without prejudice to my legal rights and remedies, all of which are expressly reserved. 

Sincerely, XXXX XXXX XXXX Attachments : Exhibit A : XXXX Bank Statement Exhibit B : Coinbase Transaction Record Exhibit C : Screenshot of Red Alert Notification Exhibit D : Screenshot of Coinbase email request Please ensure this matter is addressed promptly. You XXXX contact me directly via email or phone to confirm the resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my 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
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
I want to XXXX  that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/year> I made a purchase from XXXX for {$14.00}. When my purchase arrives I opened it up and as I started using it, I realized that I had been scammed and sold a fake product which was not what I ordered. I tried reaching out directly to the company for a refund and return, but when I tried to call the number. I realized their phone number was fake and the call would go straight to voicemail, so I send the company an email and I never got a response. I then reported the issue to Cash App as fraud and they refused to give me a refund. They keep sending me the same generated messages saying that they will review my case and send me an email on why they denied my request and when they sent me an email, they could not even tell me a reason why my request was denied. So now they have allowed their consumer to be scammed and are refusing to give me a refund with no valid reason why. I have shown proof of me trying to contact the merchant, I have sent proof of the review that I left on the consumers website, I have sent pictures of the product that they sent me which was something totally different from what I ordered, and they still refuse to give me a refund and they refuse to give me any more information on the issue or state why they refused my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I had XXXX missed mortgage payment on the XXXX XXXX XXXX XXXX mortgage due to being unavailable related to military duties directly involving urgent national security matters. 

From XX/XX/XXXX to XX/XX/XXXX, I was unavailable with limited connectivity. In anticipation, I used the Freedom Mortgage app to schedule recurring payments each month for both my mortgages at XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX Heritage XXXX XXXX, XXXX, VA, XXXX. 

For unknown reasons, only XXXX of the scheduled recurring payments took effect - for the XXXX, CA home. The Freedom Mortgage app did not process the scheduled recurring payment for the XXXX, VA XXXX and therefore missed a payment. 

Upon realizing the error, I immediately sent XXXX months payment ( XXXX for the missed month as well as the next month payment due ) for a total of {$13000.00}. Additionally, I paid the unpaid late charge of {$260.00}. 

My immediate correction demonstrates that I fully intended to pay both monthly mortgages on time, was fully able to pay both on time, and was able to pay a late charge. Unfortunately, the app only processed XXXX of XXXX scheduled recurring payments. 

This error was unintentional and I should not be held liable for the apps failure. Further, I relied on the Freedom Mortgage app to process both payments because I was called to urgent military duties related to national security matters. 

Since this incident, I have been successful in scheduling recurring payments for both mortgages. Unfortunately, as a result my XXXX XXXX has been severely degraded by an unexpected error. 

Respectfully, 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 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo can not tell me how funds were used after my account was overdrawn by transactions that were covered by me transferring funds from my savings transactions will date back to almost 7 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: TN

Complaint narrative:
World Finance Loan has threatened to me that my credit would be shot if I can not pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am currently in the process of a VA loan assumption with Truist. I submitted my completed application and the purchase contract on XX/XX/year>. As of today, I have yet to receive any loan disclosures. 

According to TRID guidelines, disclosures are required to be provided within three business days of receiving a completed application. It has now been well beyond that time frame, and I am concerned about the delay and lack of communication.

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