vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX  XXXX XXXX  XXXX ( XXXX ) withdraw an old balance ( {$1100.00} ) from my checking account on XX/XX/year>. 

The auto-withdraw was not authorized by me. 

The old XXXX balance is not in my name. 

The old XXXX account number is not in my name. 

The person who owes the old balance is not on my checking account. 

I have never lived at the address that belongs to the old XXXX balance. 

Currently, XXXX and Truist Bank are not refunding the auto-withdraw.

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 2025-08-31 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: LEXISNEXIS
State: OH

Complaint narrative:
I am writing in reference to my dispute regarding inaccurate credit reporting related to my bankruptcy. Your recent response dated XX/XX/year> demonstrates a complete failure to comply with the Fair Credit Reporting Act ( FCRA ). 

To be clear : I have never disputed the existence or reporting of my bankruptcy case. In fact, I fully acknowledged the bankruptcy and even provided a copy of my official creditor list from the case to support my dispute My dispute specifically concerns accounts being inaccurately reported as included in bankruptcy when they were never part of my bankruptcy schedules and were not discharged. 

Your response only confirmed the bankruptcy record exists, which was never the subject of my dispute. This failure to address the actual disputed information constitutes a violation of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy A reasonable reinvestigation requires that you review the actual disputed items in this case, the accounts inaccurately linked to my bankruptcy, and not simply validate unrelated information. 



Provide documented proof that the disputed accounts were listed in my bankruptcy schedules, or Remove any inaccurate notations linking these accounts to bankruptcy from your system and any reports you furnish to third parties. 

Provide written confirmation of the correction within 15 days of receiving this letter. 

If you fail to correct this information or provide documented proof, I will pursue all available legal remedies, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General Filing a civil lawsuit seeking statutory damages, actual damages, attorneys fees, and any other relief allowed under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) Please consider this letter your final opportunity to resolve this matter amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The account is showing unknown payment information for XX/XX/year> and XX/XX/year>. I would like them to report current on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
This company has been threatening and disrespectful toward me as the home owners, anytime you asked about signed documents, agreements, then that's when they threaten with foreclosure or add attorney fees to your account. 

Then, I had XXXX  XXXX XXXX to investigate as well, they stated to them they were collecting a debt for XXXX XXXX XXXX, but that's not factual. XXXX  XXXX XXXX was paid $ XXXX. I pulled my credit report showing {$8200.00} past due, in which that's what I had paid already through their repayment plans, and the actual balance of $ XXXX in which I have paid off already once again, it showing as balloon payment, that's fraud alert on my credit report, if I have been paying {$1000.00} since XX/XX/year> to present. Technically when you call into pay, it's states my payment due us {$390.00}. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.

Complaint narrative:
Hi its me XXXX XXXX from XXXX i have a coinbase account with around XXXX some reason suddenly i saw 1 month before I can not long in my account then i tried to log in with my id as well they not even let me long in then i tried to recover my account i provided my all documents and id too but still they not recovering my account also not even refunding me its been months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-31 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I had a cash app account someone contacted cash app and told them I had moved and somehow XXXX placed my cash app card. Which I never had a card I just used them on line. He told them I had moved and need a new card. The immediately sent him one. On XX/XX/XXXX he stole {$1100.00} from my checking account. Made 2 separate transactions one for {$490.00} and one for {$690.00}. I caught it immediately and closed down my cash app account. Unfortunately I dont have my old card number as I never really had a card. I have contacted Cash app about the promised to contract later that day and never have that was on Friday XX/XX/XXXX. Im going to recontact them on Tuesday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax continues to report a bankruptcy on my credit profile that has already been removed by both XXXX XXXX XXXX 

I disputed this bankruptcy directly with Equifax, but they have refused to remove it. Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure maximum possible accuracy. Since XXXX XXXX XXXX have already deleted this bankruptcy as unverifiable, Equifaxs reporting is inaccurate, inconsistent, and damaging to my credit profile. 

I request that the CFPB require Equifax to delete the unverifiable bankruptcy entry from my credit report and provide me with written confirmation. 

If you can not provide these materials, then you must immediately cease all collection attempts and remove any negative reports made to credit bureaus, in accordance with15 U.S.C. 1692g. 
Your failure to validate this debt as required, and any continued collection activity or credit reporting, constitute violations of both the FDCPA and the FCRA. As a result, if this information can not be furnished accurately, I will be requesting statutory damages in the amount of {$1000.00}, pursuant to 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) of the FDCPA 15 U.S.C. 1681n and 1681 of the FCRA Unless you can provide legal and verifiable proof of this alleged debt, you must immediately : Cease all collection efforts Remove all references to this debt from any credit reporting agencies Refrain from contacting me again except to provide the validation requested This letter also serves as notice to preserve all communications and documents related to this matter for potential litigation. 
You have 30 days from the date of your receipt of this letter to provide the above-requested validation. If you continue to pursue collection efforts without complying, you will be in violation of federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/year>, I was the victim of fraud involving my Apple ID, Apple Card, Apple Savings Account, and Apple XXXX 

A scammer gained control of my Apple ID and changed the trusted phone number, locking me out of the account. At the time, I had an Apple Credit Card and an Apple Savings Account with approximately {$2600.00} in rewards funds. Those funds were transferredwithout my authorizationfrom Apple Savings to Apple XXXX  ( which is operated by XXXX XXXX XXXX. 

The scammer then used the Apple XXXX funds at XXXX to purchase multiple gift cards. 

I immediately reported the fraud to Apple, Goldman Sachs ( issuer of Apple Card and Apple Savings ), and XXXX XXXX  ( operator of Apple XXXX ). However : Apple has been unwilling to help me recover access to my account or funds. 
Goldman Sachs has only disputed charges on the credit card, not the stolen savings. 
XXXX XXXX is disputing the gift card purchases with XXXX, but has stated that any recovered funds will be returned to the Apple XXXX  account associated with the hackers Apple IDwhich I can not access. 

This leaves me in an impossible position : my legitimate funds have been stolen, and the companies involved are refusing to restore them to me. If XXXX issues a refund, those funds will not be returned to me, the rightful account holder, but to the fraudsters account. 

I believe these institutions are failing in their duty to protect consumers. Apple, Goldman Sachs, and XXXX XXXX should not allow a hacked Apple ID to permanently deprive me of funds held in federally regulated financial products. 

Resolution I am seeking : Restoration of my {$2600.00} to me, the rightful owner.

Assurance that any disputed/refunded funds from XXXX will not be deposited back into the compromised Apple XXXX account but instead credited to me directly. 
Improved consumer protections to prevent this situation from happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Ok so this is long. 

So I didnt know I was behind on my payment just time flew by. I get a notice in the mail that said please pay your total amount due plus late fees by this date ( XX/XX/XXXX ) in the amount of XXXX XXXX 
Mind you while the statement for XXXX online shows I should only owe {$1100.00} by XX/XX/XXXX On XX/XX/XXXX paid 4 separate transactions after receiving the first letter 2 transaction from XXXX  checking of XXXX XXXX XXXX $ one transaction from one of my savings accounts for XXXX $ and another transaction from my XXXX on XXXX XXXX Not including the transaction fees to do these, not to mention I also made a payment of XXXX $ on XX/XX/XXXX. 

They claimed for XXXX that I was still past due for XXXX $ and said I still owe XXXX $ for late fees. 

Ive continually tried chatting online, sending emails and I called them multiple times and got disconnected every time after I said whats going on the last time I even asked to speak to someone above them and I didnt get a chance to, They just paused and continued talking even after saying ok. 

Im beyond frustrated. At this point I dont even want the car or to deal with them. I sent a final email stating they needed to remove those the so called late payment for XXXX and the late fees that Ive already paid off. 

Im going to send you XXXX and XXXX statement and all the info. Even if you go the math for XXXX and the payment I made I should still be ahead about XXXX $ not behind. I will not be making any further payments until they resolve the issue. 

It wont let me upload my screen videos on here so please if you could email me XXXX and Ill send you the videos please!! It shows all my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: KS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Cease and Desist Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Portfolio Recovery Associates , LLC Re : Cease and Desist Account Number : [ Insert Account # if applicable ] Dear Sir or Madam, I am writing to formally notify you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you must immediately cease and desist all communication with me regarding the alleged debt referenced above.

I do not consent to any further contact from Portfolio Recovery Associates , LLC, its employees, agents, or affiliates regarding this matter, except to : XXXX. Inform me that your collection efforts are being terminated, or XXXX. Notify me of any specific legal action you intend to pursue. 

Be advised that continued contact, including phone calls, letters, emails, or other attempts to collect on this alleged debt, will be considered harassment and a violation of my rights under federal law. If such violations occur, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and pursue any available legal remedies. 

This letter serves as my formal demand to cease all further communication with me. Please govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: CT

Complaint narrative:
I have a student loan with Sallie Mae. My mother is the co-signer. Starting around XX/XX/year>, Sallie Mae began repeatedly calling my family members who are not associated with the loan, including my sister, my father ( my mothers ex-husband ), and my grandfather ( my mothers stepfather ). They have also called my mothers place of employment. 

I believe these calls constitute harassment and an invasion of privacy. These family members are not listed on the loan, and repeated calls to them are inappropriate and unnecessary. The calls to my mothers workplace are especially concerning, as they risk exposing personal financial information to her employer. 

I have contacted Sallie Mae directly to request assistance with a payment plan, but they denied my request. I have attempted to resolve this matter many times, but Sallie Mae has refused to work with me while continuing to engage in harassing and invasive collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-08-31 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-08-31 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief