vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/scrub> 2025, Coinbase automatically enrolled my XXXX ( XXXX  ) into a staking program without my knowledge or consent. I did not manually opt into any staking service, and there was no clear disclosure or confirmation screen indicating that my XXXX  would be locked or committed for staking. 

The XXXX was pulled from my available balance and locked in staking contracts. When I contacted Coinbase support, I was told this was due to an auto-staking setting. However, I never enabled such a setting. No prompt or notification was presented prior to the funds being withdrawn from my liquid wallet. 

As a result, I lost access to my XXXX  without authorization and was not given an option to reverse the transaction. 

This appears to be deceptive and unfair. Coinbase failed to provide clear notice, explicit consent prompts, or any meaningful user control over the staking of valuable crypto assets. Additionally, their user agreement does not make it reasonably clear that XXXX  will be auto-staked without the users express permission. 


Account email : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern, Re : CFPB Complaint Mishandling of Mortgage, Successor-in-Interest Rights, and Foreclosure Threat Estate of XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( deceased XX/XX/XXXX ), file this complaint regarding predatory servicing by SXXXX XXXX XXXX XXXX XXXX  ), Selene Finance, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXXXXXX. 

In XXXX, XXXX rejected my payment without explanation. I received no notice of servicing transfer to Selene Finance, violating RESPA. I was not acknowledged as a successor in interest, given no loan information, no assumption opportunity, and no way to cure default. Despite my good-faith efforts, foreclosure was initiated in XXXX based on a default caused by servicer misconduct. 

This raises violations of RESPA, TILA, CFPB Successor-in-Interest rules ( 12 CFR 1024 ), UDAP, and Texas Property Code.

I request immediate foreclosure suspension, recognition as successor, full loan history, mortgage reinstatement, credit correction, and investigation. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-06-18 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: NJ

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-18 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: OH

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX  data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA, XXXX ( XXXX ) XXXX XX/XX/scrub>/2025 Consumer Financial Protection BureauXXXX. XXXX XXXX, DC XXXX CEASE AND DESIST DEMAND To Whom It May Concern : I am writing to formally demand that the Consumer Financial Protection Bureau ( CFPB ) immediately cease and desist all collection activities with regard to any alleged debts associated with my name or accounts. I have reason to believe these debts are not valid, and I contest any claims made against me. Please take note that it is a violation of the Fair Debt Collection Practices Act for any further attempts to collect this alleged debt. Should you continue these activities, I will have no choice but to take legal action to protect my rights under law.

I have the right under federal law, including the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes, to request that communications cease. Continued attempts to contact me or to pursue this matter without proper basis may be considered harassment and may violate my rights as a consumer.

Please consider this a formal notice that I do not consent to any further direct contact by the CFPB or its agents, unless legally required or initiated by me. 
These include : Axcssfn/CNGO account # XXXX XXXX XXXX  account # XXXX I request written confirmation that this cease and desist demand has been Honored in 15 business days. Failure to comply may result in further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Dave Operating, LLC
State: IN

Complaint narrative:
On XX/XX/year>, I tried to makeup purchase and my card declined. I logged into my account and seen 15 unauthorized charges. I immediately called the card and was told that I had to wait until the charges posted in order to dispute the transaction. I spoke with two of the merchants who told me to dispute the transactions and file a police report and they will return the funds. I called back when the transactions posted and disputed them. I told the lady I didn't know I lost my physical card because I always tap my phone to pay. The denied my disputes. I also provided them discharge papers showing i was at the emergency room with my baby at the time of the transactions. I am out of {$720.00}. I couldn't even buy my baby diapers and formula. Providing them with the discharge papers and a copy of the police report they still not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CT

Complaint narrative:
On XX/XX/year>2024 I turned my XXXX XXXXXXXX XXXX in. Prior to this I spoke with a gentleman at XXXX XXXX regarding my tires when I turned it in if they had to be brand new. He stated they did not as long as they were above the legal limit for tires. XXXX XXXX XXXX has done this in the past to me so I wanted to make sure I was not going to get charged for anything when I turned the car in. On XX/XX/year>2024 I had all 4 tires replaced ( all being the same ). On XX/XX/year>2024 I received a bill in the mail stated I was being charged for 3 out of 4 tires being " worn ''. I called the company to ask how this was possible I had just replaced them I sent them over the receipt they told me this was not a receipt. I asked how this was not a receipt they couldn't answer the question. I asked how only 3 tires and not 4 if all were replaced together with the same tire, they could not answer that question either. I tried going higher up and no one helped me or had this resolved. Now this is impacting my credit score and I would like this resolved.

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 2025-06-18 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: NC

Complaint narrative:
I am filing a formal dispute regarding incorrect information on my credit report provided by Experian Information Solutions Inc. My credit report contains inaccurate late payment notations for the account XXXX XXXX XXXXXXXX with account number XXXX, which do not accurately reflect my payment history. 
Issue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.

o However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.

2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.

o Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.

o Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.

o Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.

3. Previous Attempts to Resolve : o I have disputed this directly with Experian Information Solutions Inc, sending multiple letters requesting a correction.

o To date, no effective action has been taken to correct these errors.

4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XXXX/XXXX/25 under complaint number XXXX, requesting their intervention in this matter. 
o The failure to properly investigate and correct my dispute violates federal consumer protection laws.

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 2025-06-18 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: AR

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am writing to formally dispute the collection account that you are reporting to the credit bureaus regarding an alleged debt from XXXX XXXX. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with XXXX XXXX, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from all consumer credit reporting agencies ( XXXX, XXXX, and XXXX  ) as it is unverified and disputed. Please respond to this dispute in writing within XXXX  days of receipt of this letter, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CO

Complaint narrative:
I am filing this complaint because I have identified multiple items on my Transunion that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the credit bureaus and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the XXXX  help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
15USC1666B inaccurate report. Late payments view inaccurately. Please remove late payments as its inaccurate and reflect report to paid as agreed on each credit report for XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
15USC1666B inaccurate report. Late payments view inaccurately. Please remove late payments as its inaccurate and reflect report to paid as agreed on each credit report for XXXX XXXX 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 2025-06-18 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: NY

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief