vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MORTGAGE SOLUTIONS OF COLORADO
State: OK

Complaint narrative:
On or about XX/XX/year>, I received a loan modification package from Mortgage Solutions Financial ( MSF ) via certified mail. The documents reflected a new loan balance of {$250000.00}, which I relied on in good faith. I signed, notarized, and returned the documents using the enclosed prepaid envelope. 

Weeks later, MSF claimed the balance was a typographical error and issued new modification terms stating the balance is $ XXXX difference of over {$270000.00}. MSF now claims the increased amount includes delinquent interest, fees, and escrow advances that were never disclosed or explained before the original documents were sent. 

I have paid approximately {$42000.00} into this loan, including over {$22000.00} in reinstatement funds and monthly payments verified through XXXX and direct payments to MSF. My homeowners insurance is being charged twiceboth by MSF through escrow and by my direct provider ( State Farm ) and my VA tax exemption was not applied until long after I filed all documentation. 

MSFs internal explanation to the CFPB inaccurately states that I received and signed two versions. This is false. I was only sent one version, with the $ XXXX balance, and they never signed that version themselves. Their explanation also fails to address the reliance I placed on the document mailed to me, or the fact that the increased balance was never disclosed until after I signed and returned the original. 

I believe I am legally entitled to the terms MSF provided in writing, and I am now suffering financial damage, emotional distress, and instability due to this unexpected increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX, XXXX, that are inaccurate and not properly verified I have disputed this with the credit bureaus and the furnisher but the late payments remains without proper validation or documentation under 15usc 1681 S2a furnishers must report accurate information under 15 USC 1681I The credit bureaus must perform a reasonable investigation within 30 days. Niether of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: DISCOVER BANK
State: NY

Complaint narrative:
This is a formal complaint and demand for corrective action regarding the mishandling, misrepresentation, and continued neglect of a dispute tied to my XXXX XXXX XXXX  ending in XXXX, specifically relating to the {$1400.00} ACH withdrawal on XX/XX/year>, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Let me be abundantly clear : this is not a re-dispute. This is a demand for accountability and restitution due to Discover Banks failure to investigate fraudulent merchant conduct under Regulation E 1005.11, EFTA, and UDAAP. Your repeated use of authorization as a catch-all excuse is legally flawed and dangerously misleading. 

I received partial access to a trading platform, but was denied the core service : the right to withdraw funds after meeting performance criteria. This is not non-receipt. It is non-fulfillment, and it carries consumer protection obligations you have repeatedly ignored. 

XXXX, your role is not to dismiss and recycle templated responses yet youve now issued over XXXX nearly identical replies, each more careless than the last. Youve declared this matter final without addressing newly submitted evidence, regulatory arguments, or merchant collapse. Thats not customer advocacy thats obstruction. 

Your response history shows a disturbing pattern of : Avoiding new evidence Mischaracterizing legal standards under Reg E Treating ongoing fraud claims as closed with no justification Acting as an advocate for the merchant, not your customer Youve deliberately misinterpreted authorized to imply the merchant has no further obligation. That is not how Reg E or UDAAP works. Discover Bank has a duty to investigate fraud, deception, and incomplete delivery regardless of whether the transaction was initially approved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This is a FOLLOW UP. 
This account has already been deleted by XXXX. Under FCRA report must be accurate and consistent across bureaus. The continued reporting by Equifax and XXXX  is inaccurate and misleading. Please mirror the deletion immediately, its violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: DE

Complaint narrative:
This is a FOLLOW UP. 
This account has already been deleted by XXXX. Under FCRA report must be accurate and consistent across bureaus. The continued reporting by XXXX  and TransUnion is inaccurate and misleading. Please mirror the deletion immediately, its violating my consumer rights.

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leafy Financial, LLC
State: PA

Complaint narrative:
I previously submitted a complaint about Leafy Financial LLC ( Account Number : XXXX ) reporting a fraudulent account to credit bureaus. In response, they submitted unverifiable information including an electronic signature, a phone number, bank account, and address that do not belong to me. They failed to provide a wet-ink signature, identity documents, proof of delivery, or a valid assignment of the debt. 

Instead of validating the debt as required under FDCPA 809 and FCRA 1681s-2 ( b ), they offered a payment plan which is unacceptable and unlawful during a fraud dispute. This violates FCRA 605A, 605B, and FDCPA 807 and 809.

Leafy Financial ignored my formal validation request, continues to furnish inaccurate data, and failed to block the account after I submitted identity theft documentation.

I am requesting that CFPB escalate this complaint, reopen the investigation, and hold Leafy Financial accountable for violating federal consumer protection laws. I have retained all documentation and will pursue civil litigation if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
XXXX XXXX, XXXX XX/XX/1982, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : 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 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report . All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Complaint Against : Company Name : Resurgent Capital Services/ LVNV Funding LLC Account Number : XXXX Address : XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX Subject of Complaint : Failure to Validate Debt and Provide Assignment Documentation Details of the Complaint : I am submitting this complaint regarding a collection account listed on my credit report by Resurgent Capital Services XXXX LVNV Funding LLC for a balance of {$2000.00}. The original creditor is listed as XXXX XXXX. The account was opened on XX/XX/XXXX and is currently reported as a collection account with a past-due balance of {$2000.00} as of XX/XX/XXXX. 
I have never received any detailed validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). I submitted a written dispute and validation request, including a request for : A copy of the original agreement with XXXX XXXX, A complete itemization of the debt, A copy of the assignment or purchase agreement showing that Resurgent/LVNV Funding has the legal right to collect this debt. 
To date, they have failed to provide any of this documentation yet continue to report this collection account to the credit bureaus, which is both misleading and damaging to my credit profile. 
Under FDCPA and FCRA laws, a debt collector must cease collection efforts and reporting to credit agencies until proper validation is provided. By failing to do so, Resurgent/LVNV is in violation of federal law. 

Requested Resolution : XXXX. Require Resurgent Capital Services/ LVNV Funding to provide complete and accurate validation of the debt, including proof of assignment from XXXX XXXX. 
XXXX. If they can not provide such documentation, require them to immediately delete the collection account from all credit reporting agencies. 
XXXX. Investigate Resurgents practices for compliance with FDCPA and FCRA laws regarding proper documentation and consumer notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/2025 I received this email from Coinbase. 
After reviewing your account against our terms of service, we regret to inform you that you're no longer eligible to utilize the Coinbase platform for purchasing cryptocurrency, using our deposit services, or linking payment methods. If there's a balance in your Coinbase account, you're still able to send, sell, or withdraw the funds. Please be aware that you might need to wait until funds on hold become available for withdrawal. We understand this situation can be frustrating, and our goal is to ensure you can remove any assets you may have in your account as efficiently as possible. 

Kind regards, The Coinbase Team Today being the XX/XX/2025 I have tried multiple time to withdraw my funds from the account and any time i attend i receive an error message. 

This is how it all started, after transferring some crypto to another wallet, my Coinbase account was suddenly restricted. I got an email saying I could no longer use their services and should withdraw my funds to my bank account. But every time I try to withdraw, I get an error message. I was asked to verify again by taking pictures of my ID and also several selfies and a voice verification which i did and also verified my residence, yet nothing has changed. 

Ive contacted support at least 30 times, opened multiple cases, and still havent received any real answers. No one seems to know whats going on. 
At this point. My funds is {$59000.00}. 

This is a case number of one of the multiple cases i have raised. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Aldous & Associates, PLLC
State: PA

Complaint narrative:
This account has been disputed XX/XX/year> and also disputed with XXXX  XX/XX/XXXXXXXX XXXX No original contract has been provided. No proof of owed debt is provided which I do not owe XXXX any debt as required under 15 U.S.C. 1681i. I demand deletion for failure to provide verification within the law. I am now reporting this account as fraudulent and demand the collection company to cease all collection activity and remove this from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I submitted a written dispute to SPRING OAKS CAPITAL LLC regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information. 
Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information. 
I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA. Failure to resolve this issue constitutes willful noncompliance under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
Please block and delete the unauthorized accounts from my credit report at your earliest convenience. I did not create or approve these accounts and have no knowledge of how they appeared. As outlined in USC 1681g, I am officially requesting their removal within the next 15 days. Attached are relevant documents for your review. Additionally, each credit bureau is reporting different and inaccurate information for these accounts.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
INQUIRIES THAT I DID NOT DO ON TRANSUNION OR APPLY FOR PLEASE REMOVE THEM 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  IS THE ONLY INQUIRY THAT SHOULD BE ON MY REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 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 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 has violated my rights. 

I looked at my credit bureau Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
Final Notice Before Legal Action I am filing this complaint as a final demand for compliance under the Fair Credit Reporting Act ( FCRA ) before initiating a civil action in small claims court for ongoing violations and failure to correct inaccurate reporting. 

I previously submitted formal disputes and Method of Verification ( MOV ) requests regarding inaccurate and unverified accounts appearing on my credit report. These were filed via certified mail and through the CFPB portal. Despite these actions, Experian has failed to meet the requirements of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
Violations : The CRA marked accounts as verified but provided no documentation, no meaningful description of the verification method, and failed to identify the furnisher with contact information as required by law. 
The CRAs responses have been generic, stating data furnisher verified the debt, without offering legally required details. 
These actions do not constitute a reasonable reinvestigation under FCRA 611 ( a ). 

Timeline Highlights : XX/XX/year> : Initial dispute filed ( Experian + CFPB ) XX/XX/year> : MOV request sent via certified mail ( received XX/XX/year> ) XX/XX/year> : Final deletion demand submitted after no legal response XX/XX/year> : CRA continues to report inaccurate items and sends boilerplate responses Final Notice : If this issue is not corrected within 7 business days, I will proceed with : Filing a civil complaint in Illinois small claims court Seeking damages under FCRA for willful non-compliance Including all supporting documentation : certified mail receipts, CRA responses, MOV letters, and CFPB complaints This is a final attempt to resolve this dispute administratively. Continued noncompliance will result in legal action without further notice.

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 2025-05-29 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:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief