vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I have an account on XXXX and, to receive money from abroad, they use Wells Fargo as an intermediary. I have already received payment receipts from the same sender, with the same configuration and information always, but I am experiencing a delay of six days. They use XXXX tracking tools that show that the money has been in possession of Wells Fargo and has been " In Process '' since the XXXX. When you contact them on XXXX, they didn't offer me any help.

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 2025-08-05 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: AL

Complaint narrative:
Subject : Systemic FCRA Violations by XXXX - Inaccurate Post-Closure Late Payments & Failure to Investigate Complaint Details : XXXXXXXX XXXX  ( furnisher ) continues reporting inaccurate, unverifiable late payments AFTER account closure, violating FCRA 623 ( a ) ( 1 ) ( A ) and ( a ) ( 5 ) ( A ). 


1. Core Violation : XXXX closed XX/XX/XXXX ( verified via Equifax report ). Despite closure, XXXX reports escalating late payments ( 30-180+ days ) from XX/XX/XXXX through XX/XX/XXXX to Experian ( see attached report excerpts ). A closed account can not incur new late payments.This is factually impossible. 


2. XXXXXXXX XXXX Contradictory Reporting : XXXX reports closure date to Equifax but simultaneously reports post-closure lates to Experian. This inconsistency proves inaccuracy. 



3. Failure to Investigate ( FCRA 623 ( b ) ( 1 ) ) : I have disputed this specific inaccuracy multiple times directly with XXXX and the credit bureaus ( CBRs ). XXXX failed to conduct a reasonable investigation, ignored the temporal impossibility of post-closure lates, and continues reporting false information. 



4. Pattern of Non-Compliance : This complaint supplements prior CFPB complaints. XXXX systematically ignores valid disputes and FCRA obligations. 



5. Legal Demand : XXXX must immediately : - Delete ALL late payments reported after XX/XX/XXXX ( the last possible valid reporting date before closure ).

- Update all CBRs  to reflect accurate closure date ( XX/XX/XXXX ) with NO late payments thereafter. 

-Report consistent and accurate information to all the credit bureaus or remove the account or all negative payment information immediately. 

- Provide written confirmation of corrections to all CBRs and myself. 



Harm : This inaccurate reporting severely damages my creditworthiness. XXXXXXXX XXXX  refusal to correct known inaccuracies constitutes willful non-compliance under FCRA 616. 



Attachment : Experian/Equifax report excerpts highlighting closure date vs. post-closure lates. 



1. FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting inaccurate information. * Post-closure lates are inherently inaccurate.

2. FCRA 623 ( a ) ( 5 ) ( A ) : Requires furnishers to notify CBRs of account closure. XXXX did this with Equifax, Transunion, and Experian but ignored the implication for post-closure lates. 

3. FCRA 623 ( b ) ( 1 ) : Mandates a reasonable investigation upon dispute. XXXX ignored logical impossibility. 

4. FCRA 616 : Allows damages for willful non-compliance. * Cite your multiple disputes/CFPB complaints as evidence of willfulness.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 2025-08-05 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Several years ago, I rented a car and used my Navy Federal Credit Union credit card to place the rental hold. The assigned credit limit on the card was {$5000.00}. Navy Federal allowed the rental car company to process a charge that pushed the account more than {$2500.00} over the limit without my consent and without me having opted in to over-limit protection, as required under the Credit CARD Act of 2009. 

I disputed this at the time directly with Navy Federal, but I was unaware of the federal protections that prohibit such over-limit approvals unless the customer has opted in. I also contacted the rental car company and made diligent efforts to reverse or reduce the charge, but they refused to adjust it. 

Navy Federal then closed the credit card account due to the over-limit status, which severely impacted my credit. I believe Navy Federal was at fault for approving the charge and penalizing me afterward. Their approval of that transaction and the resulting account closure and credit damage should not have occurred if they had followed proper procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-08-05 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:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Coinbase, Inc.
State: CA

Complaint narrative:
* * Consumer Complaint to the CFPB Coinbase XXXXXXXX XXXX XXXX XXXX XXXX I am filing a complaint against Coinbase due to a prolonged and unresolved issue regarding my Coinbase XXXXXXXX XXXX For months, I was unable to access my wallet due to a broken ID verification loop. Despite contacting Coinbase support multiple times, I received no meaningful assistance. I submitted the necessary documents, but the process never resolved, and I was eventually told access was no longer possible. 

I had set up a recovery code for my standard Coinbase wallet, but not for the XXXX XXXXbecause I was never told that a separate recovery method was needed. Coinbase had promoted an XXXX offer that required me to move assets from my regular wallet to the XXXX wallet. Those funds are now inaccessible. 

Compounding the issue, I lost access to my trusted devices, phone number, and ID due to a third-party lockout from my XXXX account XXXX This made it impossible to see any in-app warnings Coinbase may have issued about XXXXXXXX XXXX deprecation. Coinbase support never notified me externally, nor did they mention identity verification as a path to recovery until it was too late. 

Their negligence in notifying me of critical deadlines and recovery paths, combined with a failure to assist despite repeated attempts, directly resulted in the loss of my XXXXXXXX XXXX and assets. 

I request the CFPB investigate Coinbases failure to provide timely, accessible support and transparency around account recovery processes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I took out a loan from this company back in XXXX. Credit Ninja. Seemed legitimate but I was later to find out I was scammed and fooled into such outrageous interest rates of XXXX %. Nowhere where I apparently signed a contract did it say id get charged this amount. I tried contacting this company to cancel the loan after viewing the contract in which I was never able to get ahold of them. I feel this is illegal because now ive overpaid way over the loan amount without my consent and I dont approve of this. I ask for this to be settled and/or refunded. They charge you with hidden fees and only redirect you to the contract shown after the funds have been deposited. This company should be sued and defunded for their improper practices and sketchy schemes.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
TO WHOM IT MAY CONCERN : I am filing a formal complaint against Santander XXXX XXXX  regarding predatory lending practices, refusal to cooperate in resolving a long-standing dispute, and failure to provide requested documentation, despite multiple attempts through legal representation. 

Nature of the Complaint : On XX/XX/XXXX, I entered into an auto loan agreement with Santander in the amount of {$14000.00} ( XXXX car value at the time of purchase ). Since that time, I have paid over {$24000.00}, which is more than {$10000.00} over the original principal. Yet, Santander reports that I still owe nearly {$10000.00} and offered an additional refinancing agreement ( 29 months at 6 % interest at {$380.00} per month ) that would result in me paying more than {$35000.00} for a vehicle worth less than half that amount. 

This repayment structure is excessive, and I was denied reasonable refinancing or settlement options during multiple attempts to resolve the account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. 

My attorney issued a formal letter on XX/XX/XXXX, demanding : A full audit and itemized payment ledger An explanation of interest vs. principal application A reasonable settlement offer Santander 's response ignored these demands and closed the case without supplying any of the requested documentation on XX/XX/XXXX in a crypted message. This is a gross failure of transparency and accountability. 

Allegations and Consumer Harm : Excessive and misleading interest structure Refusal to honor good-faith attempts to settle Withholding of financial records and payment ledger Misclassification and mishandling of payments Neglecting fiduciary duty in communication with legal counsel Targeting subprime borrowers with unfair loan terms Given Santanders historyincluding a {$550.00} XXXX settlement with 34 state attorneys general regarding similar subprime auto loan practicesI believe I am being subjected to the same systemic misconduct. 

Requested Relief : A full audit and detailed breakdown of my account, including how each payment was applied. 

A corrected and fair payoff amount considering my actual payment history. 

A reasonable and documented settlement offer. 

That Santander be investigated for ongoing deceptive or unfair lending practices impacting consumers like myself. 

I am requesting that this matter be reviewed for potential violations of New Jersey consumer protection laws and/or federal lending laws. I am prepared to pursue further legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
Credit collections U. S. A. called multiple times a day even after telling them to cease-and-desist.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
THIS COMPANY IS STATING THAT I OWE A DEBT WHEN I CLEARLY DO NOT. I HAVE NOT LIVED AT THE ADDRESS THEY HAVE FOR OVER XXXX  YEARS, I DO NOT UNDERSTAND WHAT THIS DEBT IS FOR AND REQUEST YOUR ASSISTANCE IN REMOVING THIS. 

THIS COMMUNITY WAS ADVERTISING AS A XXXX COMMUNITY AND IT WAS NOT IT WAS ALSO A BAD AREA IN WHICH I REFUSED TO LIVE AT. SO THEREFORE AGAIN I DID NTO LOVE HERE AND I AM UNAWARE AS TO WHAT I OWE WHEN I DID NOT RESIDE AT THIS LOCATION. 

ALSO THE COMPANY WHOM COLLECTED THIS ACCOUNT AND DEBT I AM UNAWARE OF WHO THEY ARE AS I DID NOT REQUEST ANY LOAN FROM THEM EITHER AND AS THE FCRA. STATES THAT THIS IA A VIOLATION OF MY RIGHTS AND INFORMATION AS I DID NOT PROVIDE ANY OF THAT TO THIS COMPAMNY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$450.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$3400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$3200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$580.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$7800.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$3700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : 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