vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2025-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: MN

Complaint narrative:
I submitted an insurance claim on XX/XX/year> for water damage. I got everything figured out with my insurance company and I got an amount to fix my house. I was told to send it to my mortgage company which is M & T bank and then I would get my claim check sent to me in partial payments. I have sent every document to them that they asked for and I told them that we were going to self contract, and we were told that it was fine but I needed to send additional information to get started. They called me and said my request was denied and that we could not self contract therefore they were going to keep my insurance check in a restricted account and I could not get any funds unless I hired a contractor. There are not contractors available to work on my house due to them being booked out for months. I told them that I do not have the time to hire someone because my kitchen has been gutted out waiting for this insurance money to get it fixed, so they told me that I could do the work myself and then have an inspector come out and if it was to their satisfaction then they will send me the funds but only if they were okay with it. But yet they told me we can not do the work ourselves? I told them that the check I sent has my name on it as well and it is my insurance money and I need it to get this kitchen fixed and they said that it has their name on it as well and they get to control that money. This has been happening to multiple people who go through this bank and they are notorious for taking peoples insurance money and not giving it to the people who need it to complete the work in their house. I am beyond upset and I was told that I will not get to see any of that insurance money from them.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Ive found some suspicious accounts on my credit report that I did not authorize, which may point to identity theft. Ive brought this to your attention before, and Im now formally requesting that these accounts be removed right away. The presence of these accounts has caused a lot of stress and doesnt reflect my actual credit history or financial actions. If necessary, Im ready to take legal steps to protect my rights. These inaccuracies are major barriers to achieving important goals, like purchasing a home and ensuring my familys financial security. I hope this matter can be settled quickly.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  medical bill. Does not belong on my credit report. They were given my Health Insurance many times and they didnt run it. It was removed from the other credit reports and experian Is refusing to remove it. Lenders can no longer consider medical debt when making decisions about loans, credit cards, or other forms of credit.

Why cant experian remove it removed from 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 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, I deposited a {$6000.00} check into my personal checking account at Chase. The check was made out to my name from a verified XXXX XXXX XXXXXXXX business account. Shortly after the deposit, Chase froze the funds and eventually closed my account without providing a clear explanation. 

I visited the Chase branch multiple times. On the final visit, I was accompanied by the business owner who issued the check. He brought all necessary documentation to confirm the legitimacy of the payment, including his government-issued ID, business registration documents, a recent XXXX XXXX XXXX business account statement, and his XXXX tax return showing he had issued me a XXXX form for prior contract work. 

Despite this, Chase stated that they were unable to verify the business phone number and refused to provide any clear steps to resolve the issue. Instead, I was told that the funds may remain on hold for 2 to 5 years depending on the state, which I find unreasonable and unjustified. 

Although Chase eventually opened a new account for me, the {$6000.00} remains frozen with no access, no explanation, and no option to resolve the matter. I have made multiple attempts to get a resolution or guidance, but received none. 

I am requesting a formal investigation and resolutioneither the release of the funds or a formal rejection of the check so I can work directly with the issuing bank to resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This company, CCS-XXXX , is trying to collect on debt that has already been resolved. I do not owe any money to this company as a Collections agency or the originator of the debt. Ive already made the case to the originator of the debt and this is just a reseller attempting to buy and collect on debt, which is already been resolved with the originator. The general consumer should be aware of companies like this that buy and sell debt in hopes of making a profit by impairing consumer credit worthiness. This is an entire industry that exists simply to profit off of consumer suffering. It is a sideshow that impairs small business owners and consumers alike to function and act as a sort of regulatory body. The federal government should expunge companies like this so that they stop being a hindrance to small business growth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: VA

Complaint narrative:
Complaint Summary : In XX/XX/year>, I reached an agreement with XXXX XXXX XXXX XXXX XXXX XXXX ) for a goodwill adjustment to remove a late payment from my credit report. Their representatives confirmed that the adjustment would be made and reflected with the three major credit bureaus. 

Despite this agreement and multiple follow-ups, some credit bureaus are now showing an inaccurate late payment for XXXX, which did not occur and was not part of any original agreement or reporting. This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Failure to maintain maximum possible accuracy of information furnished.

FCRA 611 [ 15 U.S.C. 1681i ] : Failure to conduct a reasonable reinvestigation upon notice of dispute. 

This incorrect reporting continues to harm my credit standing and ability to obtain housing and credit. 

I have attached copies of my communication with XXXX confirming the goodwill adjustment and documentation showing the inaccurate XXXX reporting. 


Attachments : Communication confirming goodwill adjustment Documentation showing inaccurate XXXX late payment reporting Follow-up correspondence with 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 2025-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TX

Complaint narrative:
To whom It may concern ; This letter results in a demand for validation of the alleged debt {$700.00} you claim I owe, as required by 15 U.S.C. 1962g [ FDCPA ] and 15 U.S.C.1681 [ FCRA ]. You are hereby notified that I dispute the alleged debt {$700.00} in it's entirely and demand full validation. Under the Fair Debt Collection Practice Act, I have the right to request the following ; [ XXXX ] Full and Complete validation of the alleged debt. [ XXXX ] The original signed contract bearing my signature and open date. [ XXXX ] The complete payment history showing how the alleged amount was calculated. [ XXXX ] The name and address of the original creditor. [ XXXX ] Proof that you are legally authorize to collect in this state. [ XXXX ] Proof of assignment or transfer of debt, to include chain of custody from the original creditor to your agency. [ XXXX ] Notarized documentation proving your legal standing to collect this debt, Under U.S.C. 1681b [ Permissible Purpose ], you are also required to demonstrate ; that you had a legal and permissible purpose to pull or report any information regarding this account on my consumer report, reporting unverifiable, inaccurate, or incomplete information to to any credit bureau is a direct violation of 15 U, S, C, 168s-2 [ a ].

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: LA

Complaint narrative:
Equifax is unlawfully requiring my full Social Security number as a condition to access my own consumer report and/or submit a dispute. This is a direct violation of FCRA 609 and 604. They are actively reporting data under my name, yet claim they can not verify my identity while simultaneously refusing to provide disclosure or investigate disputes without excessive documentation.

Equifax is already in possession of personal identifiers ( name, address, DOB ) sufficient to locate and verify me. Denying access and dispute rights on this basis is unlawful, obstructive, and appears designed to stall or avoid compliance.

I demand that Equifax provide my full consumer file and process all disputes without demanding my full SSN, and that they confirm in writing whether they are maintaining data on an allegedly unverified consumer which would itself be a major FCRA violation under 607 ( b ) and 610 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been unable to access my Coinbase account because their identity verification system continuously fails, even though I have tried multiple times using both my valid U.S. passport and California drivers license. I have attempted the process more than 20 times without success over the last 4 months. 

There is no live customer support, no email address and the automated system does not escalate or resolve the issue. I am effectively locked out of my account and can not access my funds. 

This is a serious issue, and Coinbase has not provided any remedy or timeline for resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've identified some accounts on my credit report that are unfamiliar to me and were not authorized. These may have resulted from identity theft. Ive contacted you about this issue in the past and am now formally requesting that these accounts be deleted from my report as soon as possible. The stress caused by their presence is significant, especially since they dont reflect my financial habits or credit history. If we cant come to a resolution, Im willing to take legal action to protect my interests. These incorrect entries are standing in the way of major financial plans, such as homeownership and providing for my family. I hope this can be resolved without delay.

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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Follow-up to CFPB Complaint Inaccurate Debt and Incomplete Validation Dear CFPB Representative, Thank you for the update regarding my complaint. 

I am following up because the response from Portfolio Recovery Associates ( PRA ) does not resolve my dispute. While PRA claims to have purchased the accounts and verified them through XXXX XXXX, they did not provide proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Stating that no request was received for validation does not justify their failure to provide it now that a dispute is active. 

Additionally : I do not recall receiving any initial notification letters from PRA on the dates they listed.

I continue to dispute the accuracy of the amounts and ownership of the accounts. 

The lack of detailed account statements, signed agreements, or other supporting documents means PRA has not met the legal standard for verification.

I respectfully request that this account be removed from my credit reports unless PRA can provide full, itemized documentation verifying that the debt is accurate and truly mine.

Thank you for your continued attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
In XX/XX/year>, I notified XXXX XXXX XXXX  and Mosaic XXXX in writing that I was vacating the unit due to a family emergency. The real reason I left was to escape a XXXX XXXX situation, but I was not ready to disclose that at the time. 

Months later, I discovered they had reported a balance of {$8500.00} to XXXX XXXX XXXX. I requested a breakdown and received a ledger, but many of the charges were vague or unsubstantiated. I was billed for multiple months of rent after moving out, despite XXXX XXXX XXXX XXXX requiring landlords to mitigate damages by re-renting the unit. 

I also paid a {$300.00} deposit at move-in, yet was charged for a XXXX bond a non-refundable product that was used to inflate the final charges. No eviction was ever filed, but their internal documents falsely imply one. 

Most importantly, under the XXXX XXXX XXXX XXXX ( XXXX ), tenants who flee XXXX  XXXX can not be penalized for breaking a lease. Their continued billing, collection activity, and credit reporting violated my federal rights. 

I am a mother of XXXX, including a child with XXXX, and their actions have caused repeated housing denials, financial instability, and emotional trauma. I am requesting : Immediate deletion of the tradeline from all credit bureaus Investigation into deceptive billing and credit reporting practices Enforcement of FCRA, FDCPA, and XXXX violations Compensation for financial and emotional damages totaling $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
Spoke to XXXX  agent. Charged off XX/XX/year>. Late payments reported multiple times after C/O including as recent as this year. Lenders can not report late payments or new derogatory payment information after C/O. These are inaccurate and must be removed. If not corrected the tradeline must be deleted entirely per FCRA 623 ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Company : XXXX XXXX Date : XXXX XXXX Company XXXX XXXX XXXX Date : XXXX XXXX Company : XXXX XXXX Date : XX/XX/year> Company : XXXXXXXX XXXX  Date : XX/XX/year>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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not understand how the credit reporting for XXXX XXXX XXXX ( Item # XXXXXXXX XXXX XXXX XXXX XXXX ) was verified as correct when I have already provided clear evidence of inaccuracies. I also spoke directly with the furnisher, who confirmed there were several errors that would be corrected promptly. 
Notably, this item was deleted from XXXX  due to the same inaccurate reporting that exists across all bureaus, yet it remains reported on my file. Stating this account is accurate contradicts both the evidence provided and the furnishers own admission of errors. 
I am formally requesting the business contact information of everyone involved in this reinvestigation or review. Please note that it is illegal to report inaccurate or false information, and this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Therefore, I demand that you delete the above-referenced account immediately, as this false information has hindered me from building credit for years due to repeated, imprecise reporting.

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 2025-06-28 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: WA

Complaint narrative:
I had my Personal info and personal documents stolen a while back and people used my name to get accounts and buy stuff under my name. This wasn't me, these are not my accounts. Please get this off my credit asap as its causing a major hardship in my life. I need this to be a top priority thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I have disputed the status of my XXXX XXXX. It was closed in XX/XX/year>. I have repeatedly sent the same information to Experian, more as of late, but they refuse to ackowledge or update the account as closed. The other reporting agencies are reporting correctly. At this point, after several attempts of resolution this is now bordering on Willful negligence in reporting history and status. I have called, uploaded documents, done everything I can but Experian still refuses to properly report as closed.

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