vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
I have contacted them telling them this belonged to my ex spouse XXXX XXXX. They told me they cant do anything. This is not my debt.! Im about to file suit against them for false reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: CA

Complaint narrative:
Experian, TransUnion and Equifax continues to report Accounts that were opened but fraudulently abused without my authorization. I provided FTC and police reports with proof of identity/address. Equifax has not complied with FCRA 605B or 611.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I'm writing this because last year starting on the month of XXXX year XXXX I ran across some hardship where I had to miss four monthly payments to Bank of America but I worked out of repayment plan with money management international and they agreed to the repayment plan and my first payment started on the XXXX on XXXX of XXXX. On viewing my credit report on the date XX/XX/XXXX I see where Bank of America from XXXX to XXXX of this year still reporting me as 30 days late and they've been receiving the payment every month from XXXX to XXXX on the XXXX of a {$130.00}. Bank of America due date is on the XXXX and money management international don't send out payments until the XXXX and the credit is receive it the next day by electronic funding. I called even before the plan started the first before the first month payment to see if they could change my due date like I mentioned on the XXXX the lady told me that once they close the account out that they couldn't change the due date what I don't understand if they can't change the dude day once the account is closed out but they can put you at a zero available credit but didn't write me off as a charge of but they can't change the due date and also from what I read they're not supposed to be reporting a 30-day late to the credit bureau if it's 5 days late they aren't supposed to do it when they receive the payments after 30 days and I'm a payments have been sent to them by money management international on the night is the day that they received a money. What was the purpose of working a payment plan to pay them their money back especially if I'm on a fixed income on Social Security and then you still going to try to ruin my credit by falsifying information saying you receiving the payments after or past 30 days. Which is not true and here photocopies to prove so 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 2025-09-14 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: MI

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I had a mortgage on a property that I purchased in XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX initiated the mortgage and sold it to XXXX XXXX almost immediately. 
I was aggressively paying down this mortgage when XXXX XXXX sold this .mortgage to Round Point mortgage servicing LLC.

From the very beginning Round Point would hold my check until the last day before the due date to cash it. I was not charged a late fee so I started paying by XXXX to avoid this problem. 
Last XXXX Round Point informed me that I needed additional wind insurance even though wind ins. was covered by the XXXX policy. 
I immediately purchased this additional Insurance while on the phone with Roundpoint. They informed me that since I didn't have this in place for the month prior to their notification that they intended to create an escrow account for the XXXX XXXX dollars for the prior month. 
I used this opportunity to find a refinancing for this project. As soon as I paid off this note to Round Point. They sent me a refund check for the XXXX XXXX and XXXX XXXX dollars for the escrow account they created to cover the XXXX XXXX dollar shortfall. 
I can't believe that Round Point can manipulate people 's mortgages without any repercussions. If I was any closer financially it would have been extremely difficult to pay this additional escrow for Forced Wind Insurance that I didn't need. 
If there is any thing that I can do to stop this illegal enterprise please let me know I have kept all relevant documents for your review. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I received this email on XX/XX/XXXX. I reached out to them to correct their error. I have had a restriction since then. They made the mistake which they took ownership of it. 


Hello, On XX/XX/XXXX, Coinbase erroneously credited your account. Based on our records, it appears that this credit is no longer in your account. 

You now have an outstanding balance in the amount of {$780.00}. You can add funds to Coinbase using your connected payment methods or on-platform assets to resolve this issue. 

We kindly ask that you take action before XX/XX/XXXX. If you do not reimburse Coinbase for the erroneous credit, we reserve the right to take any lawful action necessary, including applying restrictions to your Coinbase account, to recover this credit. 

Thank you, Coinbase Support The withdrew that amount on XX/XX/XXXX and was told they would lift my restriction. As of today my account is still restricted and I have no access to my funds. I am getting the run around from them. I have reached to support every day since this happened. I keep getting the same run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
According to the instructions in their letter, I set up an appointment with the local Branch, sending via e-mail, all the information, Certif Death, Copy of their letter admitting the amount was {$39000.00}, Copy of the raised Line of Credit AFTER DEATH, copy of the {$5000.00} added interest, and made an appt with XXXX XXXX for last Friday, XX/XX/year> I confirmed by phone, giving him several days to review documents. When I arrived, he kept me waiting 10 minutes while he waited on other customers, although there were 3 employees available. Then he began going to each wastebasket, at each desk, taking the crumpled paper out of the wastebasket, then going to the next wastebasket, there were a dozen and a half wastebaskets, and he kept looking at me, being agitated. Took another half hour. Then sat at his desk, invited me to sit, and said, " The amount will be the first number. '' I said, you mean {$39000.00}. " No, the higher one. '' I started showing him papers, confirming the actual amounts, and what XXXX had added on. He said he, " DIDN'T GET '' my letter with attachments. I asked, " DID YOU CHECK YOUR SPAM FOLDER!? '' He clicked around, and said, " Oh Yeah, here it is. '' Then kept clicking, ignoring me. I said, " What are you doing now?! '' I'm printing it all out, I have to take it to my Manager, and then the loan Department, and ask for permission to discuss it with 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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX, my two accounts were charged {$10000.00}, {$8000.00}, {$8100.00} and {$10000.00} for a total of {$36000.00}. I disputed the charges with the credit card company because I did not receive the product that I ordered. The credit card company reversed my dispute. This is an error because I spoke with XXXX at their bank on XX/XX/XXXX who confirmed the credit card company did not understand the dispute. This occurred after I had a conversation with a representative named XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX, XXXX and others, where I was told someone would call me back within 48hours to get more information. The representatives admit the number they call you back from comes up as a SPAM call and goes directly to my voicemail. Then when I call back, they do the same thing and tell me someone will call me back in 48hours. It goes in circles. They refused to provide an email address or a direct person I can speak to about my dispute. THIS IS A SCAM. 
I have attempted to resolve this issue by contacting the company directly as outlined above but get the same answer-they will call me back within 48hours, from a number marked as spam that goes directly to voicemail. Despite providing the information to support my claim, which the credit card company mistakenly read as supportive of their decision without understanding what I sent them and without speaking with me to clarify, the charges remain on my account. 
To resolve this matter, I request that the credit card company call me from a valid phone number or reverse all four charges to my account permanently if they can not call me or contact me from a legitimate number to resolve this. The credit card company made a decision on my dispute before they received the additional information I sent in.

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 2025-09-14 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 submitting this complaint regarding inaccuracies in the reporting of my student loans. Specifically, for the months of XXXX and XXXX, my loans are being reported as late. This is incorrect. 

I applied for and was approved under the XXXX XXXX repayment plan through XXXX XXXX XXXX ( XXXX ). During this period, payments should have been reported as current or unknown, given the federal injunctions and payment pause that were in effect. 

I contacted XXXX, my loan servicer, and they acknowledged this error. They confirmed that these months should be reported as current or unknown and agreed to make the necessary adjustments. However, the credit bureaus have not updated my records to reflect this correction. 

I have attached/retained documentation, including the approval letter and related correspondence, to verify that my account should not reflect delinquency during this time. 

I respectfully request that the CFPB assist in ensuring that my credit report is corrected promptly, so that XXXX and XXXX are no longer shown as late, but instead as current or unknown in accordance with the agreement and federal guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: IL

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I attempted to make my scheduled Sezzle payment. Sezzles system did not allow me to pay with a debit card, even though debit is advertised as a payment option. I added my checking account as a payment method, but Sezzle required a 23 business day micro-deposit verification process, which meant I could not use it for the payment due immediately. 

When I contacted customer service, the agent stated that I might be charged a late fee even though I had multiple payment methods on file. The agent suggested rescheduling the payment, which required a {$7.00} reschedule fee. Only after I objected did the agent agree to waive the late fee as a courtesy. 

This shows Sezzles system created an unavoidable situation where consumers are pushed toward unnecessary fees. I request confirmation that no late fee will be charged and that Sezzle be reviewed for misleading payment practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: ID

Complaint narrative:
I just want compensation for the stress an time I spent dealing with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I called in to make a complaint about charges being taken off of my card that I did not make I explained to them that I lost my phone and whoever had my phone was able to do everything from my accounts due to my card being linked into my phone I had to get another phone and call multiple businesses that my cards were attached to to stop transactions I let them know and filled out a dispute resolution form that it's going to look like it was me because my card was linked into my phone in my accounts I did not have a lock on my phone but it was not me I will take this to court if I have to I need my money back ASAP {$200.00} this is ridiculous

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 2025-09-14 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX CC : Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) Subject : Demand for Immediate Deletion of Unverified XXXX XXXX Account FCRA Violations Dear Equifax Dispute Department, I am writing to demand the immediate deletion of the XXXX XXXX account that Equifax continues to report on my credit file. This account was disputed beginning in XX/XX/year>. I filed this dispute through the CFPB, and I have attached documentation proving the filing.

The Fair Credit Reporting Act ( FCRA ) places strict obligations on consumer reporting agencies like Equifax : 15 U.S.C. 1681i ( a ) ( 1 )
( A ) : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumers file or modify that item of information, as appropriate, based on the results of the reinvestigation.

It has now been nearly 90 days since I filed this dispute. The account remains listed as under dispute/review on my credit report. This is unlawful. The FCRA allows you no more than 30 days to verify disputed information, and if you can not verify it, the law requires that it be deleted from my credit file.

By failing to remove this unverifiable information, Equifax is in clear violation of the FCRA.

Furthermore : 15 U.S.C. 1681n : Willful noncompliance subjects Equifax to liability for actual damages, punitive damages, and attorneys fees.

15 U.S.C. 1681o : Negligent noncompliance subjects Equifax to liability for actual damages and attorneys fees.

Demand for Immediate Action I hereby demand that Equifax : Immediately delete the XXXX XXXX account from my credit report as required under 1681i ( a ) ( 5 ) ( A ).

Provide me with written confirmation that the account has been permanently deleted.

Remove any under dispute notation related to this account, as the 30-day reinvestigation window has expired.

If Equifax fails to comply within 15 days of receipt of this letter, I will pursue all remedies available to me under the FCRA, including filing a lawsuit for damages under 1681n and 1681o.

This letter is being copied to the FTC and the CFPB to document Equifaxs ongoing violations of federal law. 

Sincerely, XXXX XXXX Enclosures : Copy of dispute filed through CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: FL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.

4. late payment status is invalid and inaccurate. you must have maximum accuracy in reporting it. please delete. 
XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

5. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from 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