vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
I have a current debt settlement through XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have been paying off the debt in good faith under a stipulation contract since XX/XX/XXXX and as of XX/XX/XXXX the debt was XXXX. Today when I logged into my account to make a monthly payment, the balance had increased to XXXX without accruing any new debt as the account is closed. When I attempted to contact the company via email, I was not able to. When I attempted to call their customer service team, multiple times I got disconnected each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
My SoFi Bank account was fraudulently accessed, resulting in unauthorized transactions. After promptly reporting the incident and following all required procedures, SoFi informed me that my account would be closed and all funds frozen. Despite acknowledging the fraudulent activity, they have restricted my access to the account entirely, preventing me from accessing or withdrawing my own legitimate funds. This freeze was imposed only after SoFi allowed recent deposits to clear, effectively leaving me without access to any of my money. I have contacted customer service multiple times, but the representatives have provided inconsistent information and no meaningful resolution. I was told that any reimbursement for fraudulent charges may take up to 30 days, while all of my fundsincluding those unrelated to the fraudremain inaccessible. This action has caused significant financial hardship and has left me unable to meet essential obligations.

After I reported the fraudulent access, SoFi initially informed me by email that I could close the compromised account and immediately open a new one to regain access to my funds ( see attachment ). However, they later changed this position without any notification, refusing to allow me to open a new account or access my deposits. This reversal directly contradicts their written communication and has left me without access to my legitimate funds, even after their own investigation acknowledged potential unauthorized access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AK

Complaint narrative:
I originally opened a Coinbase account around XXXX to buy and sell XXXX. In 2016, I received an email from Coinbase Compliance stating my account was permanently closed for violations of the User Agreement. The message said the decision was not subject to appeal and that Coinbase could not tell me what I had done wrong. 

I have never used Coinbase for anything other than legitimate XXXX purchases and sales. I was never given any specific explanation or opportunity to correct any supposed violation. Coinbase refused to provide details, stating only that they are unable to reinstate accounts in violation of our User Agreement. 

When I try to create a new Coinbase account today, I still get an automated message saying Coinbase can no longer provide me with access to their service. It appears that my identity is permanently blacklisted with no clear reason and no due process. 

I am a verified U.S. resident, have never engaged in any illegal activity, and simply want to regain access to use Coinbase like any other lawful customer. I am requesting that Coinbase provide : A clear explanation of why my account was closed. 

Evidence supporting the alleged violation. 

Either reinstatement of my existing account or approval to open a new one under current compliance standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MI

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-11 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
They did not disclose after signing the contract it became a negotiable instrument. That they would then sale and keep all the proceeds from it which paid this off. There was not mutual obligation. There was not equal consideration. They did not put up any of their own money for this mortgage, so 21st did not put up anything of value. So, I did the following, I sent in a Qualified Written Request with XXXX questions on XX/XX/year>. They responded XX/XX/year> saying they didn't have to answer my questions. So, I sent it again with the laws statues and codes stating I have the right to know everything I was requesting from them on XX/XX/year>. They responded XX/XX/year> stating the letter is a near duplicate to your previous correspondence which 21st already issued a response. The statements are legally flawed and do not merit further response. we received your most recent payment on XX/XX/year> which demonstrates you understand your obligation. With no laws, codes, or statues backing their statement. XX/XX/year> then I sent them a notice of dishonor and also, I advise them I would not make another payment until my questions were XXXX I sent them Affidavit of Truth and Notice of Dishonor. XX/XX/year> I sent legal demand regarding note and collateral XXXX I sent them Affidavit of Non-Response and Default. They have not responded yet. The only thing I have received from them has been about payment and foreclose. XX/XX/year> I sent them Affidavit of Non-Consent and Notice of Non-Response. Account number XXXX ( The CFPB closed case number XXXX without me getting any answers really made me feel like they are not here to help the people )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681i ( a ) ( 5 ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. 
Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion failed to perform a reasonable reinvestigation of multiple disputed accounts as required by FCRA 611 ( a ). Items were marked verified without TransUnion providing any documents showing what was reviewed, what records were obtained from furnishers, or the procedures used to determine accuracy.

TransUnion did not provide : Any signed agreements Proof of assignment for collections Itemized statements Medical account validation The names/contact of the individuals who verified disputed items Any documentation from furnishers Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( 7 ) Instead, TransUnion relied solely on automated e-OSCAR responses from furnishers, which courts have ruled is NOT a reasonable reinvestigation.

This violates : FCRA 611 ( a ) ( 1 ) failure to reasonably reinvestigate FCRA 611 ( a ) ( 5 ) reporting unverifiable information FCRA 611 ( a ) ( 6 ) ( 7 ) failure to provide Method of Verification FCRA 623 ( a ) ( 3 ) verifying disputed items without documentation FCRA 607 ( b ) failure to ensure maximum possible accuracy XXXX XXXX reported without proper authorization or validation may also involve HIPAA 45 CFR 164.502 ( a ) violations.

I disputed multiple accounts and TransUnion verified them without providing actual documentation. 

I request deletion of any items that TransUnion can not validate with real records.

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 2025-11-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The following accounts in question are : XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX with 60 days late. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Account Blocked morning of XX/XX/XXXX. Contacted Citibank customer service early morning. Was informed that they had no exact info and someone would reach out from fraud department within XXXX hours. 
Called again late afternoon on XX/XX/XXXX for an update. Was transferred twice to fraud department. Was told no supervisor was available to speak to me and an investigation was being done and I would receive response within XXXX hours. Told agent my payroll direct deposit would be deposited on XX/XX/XXXX. Asked if it would be credited to Blocked checking account or sent back to my employer. Was told that it would be sent back to issuer. Contacted my employer payroll department. She told me this is a common occurrence with Citibank and that the bank has 5 days to return the direct deposit to them. 
As of today, XX/XX/XXXX, the checking account is still blocked, no communication from anyone in any form from Citibank. And to add insult to injury, my payroll direct deposit was accepted by Citibank into my Blocked checking account. My balance when I call includes the direct deposit. But, my account is blocked, so I can not access any funds. And they have dishonored and rejected several automatic, regular ach and debit card auto pays scheduled on the account. But, credited and accepted my payroll direct deposit?? At this point, I just want my money {$1100.00} and to close my account after. I am done with Citibank. Please help me get this done.

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 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
In XX/XX/2024 A rep from XXXX stopped by and tried to sign a different housemate up that was ultimately denied credit and then forced on the application unknowingly. When the rep was asked directly about the amount and cost of service he used predatory verbiage and blankly stated that you can " cancel anytime no hidden fees or up front cost '' he never gave a direct and accurate response about the terms and conditions and amounts. The rep then signed the contract with a computer generated signature against the credit holders knowledge, never showing the customer the breakdown of the terms, condition, nor charges that was due or owed. That same rep neglected to sign his own signature as a witness or the representative but signed the customers name illegally and unknowingly with a computer generated signature and demanding that the customer agreed to his verbal and inaccurate terms, he even showed up to the residence a second day in arow to further demand that I start service immediately and harassing me. The rep never produced the cancellation policy and neglected to state that there was only a certain amount of days to cancel without penalty. He rushed the process and hid the facts that the system was overly priced, he even refused to produce a hard copy of the contract. When the companies involved were contacted in XX/XX/2024, in regards to the cancellations they stated that that was no longer an option and the debt had to be paid in full in which a hard copy of the contract was requested again and the company agreed to send the contract but refused to cancel the policy. Once the contract was received i noticed the malicious practices, the inaccuracies, the astronomical amount of the charges, nor the cancellation policy, the neglectful practices, and illegal practices. Now my credit is being attacked and tarnished as a result of their unfair practices. The account holders and billing information is inaccurate and doesn't belong to the said account holder and that's just one of the many inaccuracies that this company illegally practiced. The amount reported on my credit report is different from the paper work that was sent to me with amounts showing on the report as {$4000.00} owed opposed to what's on the paperwork that shows {$4000.00} with another amount showing as {$4200.00} owed. This is unfair and illegal to unsuspecting customers who's identity was compromised and stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Hello. This is in response to a listing on my credit report. Please be advised that PORFOLIO RECOVERY ASSOCIATES, LLC has reported unvalidated debt to the credit bureaus ( XXXX XXXX and XXXX  ). This may constitute fraud under both federal and state laws. Also, a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is not a refusal to pay, but a complaint stating their claim is disputed and validation is requested. I respectfully request that PORFOLIO RECOVERY ASSOCIATES, LLC provides competent evidence that I have a legal obligation to pay them. If PORFOLIO RECOVERY ASSOCIATES, LLC fails to validate the debt, I will not hesitate in bringing legal action against them and/or their client ( if any ) for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If they are able to provide the proper documentation as requested in this complaint, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which can be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This include any listing of any information to a credit reporting repository that could be inaccurate or unvalidated.

If they fail to respond to this request for validation and complaint, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion shall be sent to me immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A similar incident with payments and refunds happened before with Chase. In XXXX of XXXX, I purchased a flight on my Chase card that was refunded within XXXX hours. The XXXX XXXX agent XXXX, immediately refunded the full charge to my Chase card. Chase waited over XXXX weeks to refund my card. This caused me to close my card immediately. A month later I gave Chase a second chance and reopened the card. In XXXX or XXXX of XXXX, I made a large payment to my Chase card from my Business Checking and found that my payment was seriously delayed in posting to my account. This time because of the amount of the payment. 

I may be remiss about another incident, but the last XXXX on XX/XX/XXXX is the verification for me that subterfuge is afoot with Chase and their dealings with me and my account. On XXXX a Chase Rep shared that my card had {$16.00} available after a {$100.00} payment. The amount fully processed out of my business checking on XX/XX/XXXX. On XX/XX/XXXX, I deposited {$440.00} cash into my Chase cc via the Chase XXXX. I asked her when would the payment post and she said that day because it was cash and in the bank. When I checked my account later, I only had around {$350.00} available instead of the expected {$450.00}. I called Chase and was told that {$100.00} was being held for an additional XXXX days without any notification to me nor justification. I shared that this was not shared with me by XXXX Chase reps. I also shared that Chase always finds a way to delay credits and payments to my Chase card and it has become obvious at this juncture.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in 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 non-monetary relief