vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Coinbase has arbitrarily blocked the linking of any of my bank accounts due to their automated system flagging 'suspicious activity '. This was solely and incorrectly flagged as XXXX attempted to link my bank account which is in a joint name with my wife and Coinbase decided I was trying to link an unauthorized account. Despite multiple 'live chat ' support sessions with their staff, they have essentially refused to fix the issue, leaving me absolutely no way to pay my credit card bill that is due. Linking a bank account is the ONLY payment option Coinbase offers on their site. 
If this isn't rectified before the 20th of the month, my perfect credit score will be affected by late payment and interest/late fees will be incurred. 
My experience so far makes me believe that entirely Coinbase is unfit to operate a credit card service. I unfortunately have no option to deal with the card issuing bank or XXXX directly, so if you can not get them to action this issue, I have a credit card that it is impossible for me to make a payment on.

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

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit 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: NY

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CO

Complaint narrative:
My XXXX XXXX XXXX was repossessed by Westlake Financial on XX/XX/XXXX, while the account was past due.. I was told by a XXXX representative that if I paid the repossession-related fees, my vehicle would not be sent to auction. 

On XX/XX/XXXX, I paid {$1000.00} through my bank account ( see attached XXXX XXXX statement ). Westlake confirmed receipt of payment and later sent me a letter dated XX/XX/XXXX, stating that my account was current and that the vehicle was available for pick-up from XXXX XXXX XXXX XXXX XXXX 

However, only XXXX days later, Westlake sent a conflicting letter dated XX/XX/XXXX, titled Notice of Our Plan to Sell Property, claiming the vehicle would be sold after XX/XX/XXXX. 

Despite my payment and the prior letter confirming my right to pick up the car, the vehicle was sold at auction, and Westlake continued to report late and derogatory payments through XXXX on my credit report. 

Additionally, Westlake informed me verbally that vehicles are always sent to the nearest XXXX auction, which would have been XXXX XXXX, Colorado ( approximately 15 miles away ). Instead, my vehicle was transported hundreds of miles away to XXXX XXXX XXXX, Utah, making retrieval impossible and directly contradicting their own statements. 

This situation shows multiple violations of the Fair Credit Reporting Act ( FCRA ) and UCC Article 9, including : Conflicting written notices ( XX/XX/XXXX letter stating reinstatement, XX/XX/XXXX letter scheduling sale ). 
Payment accepted under false pretenses ( pay to prevent auction ).

Improper notice and handling of redemption rights.

False and continued derogatory reporting after sale.

Misrepresentation of vehicle auction location and accessibility.

In addition, Westlake mailed all repossession and auction notices to an old address ( XXXX XXXX XXXX XXXX ) where I no longer lived. The XXXX proof of delivery shows the notice was signed by XXXX XXXX, not me. Because I never received or signed for any certified notice, I was never properly informed of the repossession or given a real opportunity to redeem the vehicle. This failure to provide personal notice violates Colorado law ( C.R.S. 4-9-611 ) and my contractual right to be notified before disposition of collateral.

Im requesting investigation into Westlakes handling of this repossession, removal of all false credit reporting related to this account, and refund of all funds paid under misleading terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
This account reports a Student PLUS loan with payment history that is incorrect. I never made any payments toward this loan, yet it shows that I did and then stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A withdrawal was made from my checking account by XXXX XXXX XXXX after I informed them that I no longer wished to do business with them. I did not authorize this transaction. The charge was made after I refused their services, and I am requesting that Chase investigate and return the unauthorized funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hereby file this complaint to demand enforcement action against the credit reporting agencies for their willful and unlawful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ). Despite my submission of a valid identity theft report and all required documentation proving fraudulent use of my personal information, the agencies have knowingly refused to block inaccurate and unauthorized entries, in direct contravention of federal law. My consumer report was obtained, disclosed, and used for impermissible purposes in violation of 15 U.S.C. 1681b, and their continued inaction constitutes a blatant disregard of statutory obligations and consumer protections. This misconduct has inflicted substantial and ongoing harm to my financial standing and reputation, and their noncompliance may also rise to criminal liability under 18 U.S.C. 1028A ( Aggravated Identity Theft ). I demand immediate and forceful corrective action by the Consumer Financial Protection Bureau, and I place all parties on notice that I am prepared to pursue full litigation and damages without further delay should these violations persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CMM Finance, Inc.
State: AL

Complaint narrative:
I recently discovered that CMM Finance is reporting an alleged auto repossession under my name. This is the first time Ive ever seen or even heard of this account appearing on my credit report. I was never sent any billing statements, repossession notices, or deficiency balance letters to my current address. I honestly dont even know where to start researching this because I have no documentation at all and Im trying to wrap my head around how this ended up being reported against me.

Im also unsure whether this account or the vehicle itself was ever sold, transferred, or still owned by CMM Finance. If the vehicle was sold or auctioned, Ive never been notified or provided any sale records, condition reports, or accounting of how proceeds were applied to the balance. If the account was transferred or assigned to another party, Ive never received any assignment or ownership notice. Im just trying to understand what happened and see any actual paperwork or proof that this account is legitimate.

From a legal standpoint, this raises major issues under FCRA 1681e ( b ) and 1681s-2 ( b ), which require furnishers like CMM Finance to ensure maximum possible accuracy and conduct reasonable investigations when disputes are filed. I have never received the original retail installment contract, payment ledger, repossession or sale documentation, or any required notices under UCC 7-9A-611616 and Ala. Code 5-19-12.

Without those records, the reporting is inaccurate and misleading. Reporting a repossession or deficiency balance without lawful notice, validation, or accounting also violates TILA 1666 ( b ), UCC 7-9A-625, and Ala. Code 8-19-5 ( 27 ) for deceptive or unfair trade practices.

This has caused me major frustration, confusion, and financial harm. Having a repossession listed that I was never properly notified about has made it nearly impossible to obtain financing, and I just want to understand the truth about what happened to both the loan and the vehicle.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I request for these items to be removed from my credit report immediately!

The debt collectors have not provided me proper debt validation and proof of verification for these alleged debts. Please delete these from my credit report immediately.

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

Complaint narrative:
I request for these items to be removed from my credit report immediately!

The debt collectors have not provided me proper debt validation and proof of verification for these alleged debts. Please delete these from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DE

Complaint narrative:
I signed up with money gram to send a money to foreign country to a friend who needed it. At first they said they needed to review the order which they did and aproved. Took money out of account and gave me a receipt saying it was ready for pick up, about XXXX hours later they canceled it and still havent given a reason! Now they are saying it will take 10 days for money to go back to debit card. This is money i dont have to send friend again and he needs it! 

I suspect they do this to keep fees and will only refund the amount I originally sent. 
I need my money back on my debit card so I can use a different service and get money to my friend whos counting on it. Money was sent Monday XX/XX/XXXX for the amount of XXXX $

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

Complaint narrative:
I have only made 1 hard credit enquiries for my mortgage but it seems to be 2 extra hard credit check which I have not authorised 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 2025-11-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have only made 1 hard credit enquiries for my mortgage but it seems to be 2 extra hard credit check which I have not authorised 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 2025-11-11 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation