vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
Second Notice to Equifax Failure to Block Identity Theft Information ( FCRA 605B & 611 ) Re : Second Notice Failure to Comply with FCRA 605B and 611 | Identity Theft Victim Notification Dear Equifax Dispute Department, This letter serves as a formal second notice regarding your noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, and your failure to fulfill your obligations following my initial identity theft dispute submitted on XX/XX/XXXX. 

On XXXX XXXX I provided Equifax with all documentation required under 605B to support my identity theft claim, including : A completed and signed FTC Identity Theft Affidavit # XXXX A government-issued photo ID ; Proof of current mailing address ; Documentation evidencing my identity and the fraudulent nature of the accounts ; Information linking my data to a known data breach. 

Despite your statutory obligation to block the disputed items within four business days under 15 U.S.C. 1681c-2 ( FCRA 605B ), Equifax failed to do so. Instead, you retained the fraudulent accounts and verified their accuracy without providing any disclosure of the method, sources, or documentation used to substantiate their validity. This violates your duty under 611 to conduct a reasonable reinvestigation and provide transparency to the consumer. 

The disputed and fraudulent entries include : XXXX XXXX account opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Multiple accounts with US DEPT ED under account number XXXXXXXX XXXX XXXX  ; Resulting unauthorized hard inquiries and collection items. 

I reiterate my demand that Equifax immediately : Block and remove all fraudulent accounts, inquiries, and collections in accordance with FCRA 605B ; Cease any collection reporting tied to these fraudulent items ; Disclose, in writing, the specific methods and sources used to verify the disputed accounts as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and CFPB guidance.

Your continued failure to act is a violation of my rights as a consumer under federal law and contradicts precedent outlined in XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, both of which reinforce consumer rights to accurate credit reporting and reasonable investigation of disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: NJ

Complaint narrative:
ProCollect is attempting to collect a {$1400.00} debt on behalf of XXXX XXXX at XXXX related to alleged XXXX XXXX damage in my former apartment. My lease ended on XX/XX/XXXX. I was never notified of any damage while living there, nor was I shown any photos, inspection reports, or documentation after I moved out. I only received notices after the unit was already reoccupied. 

On multiple occasions, I requested formal validation of the debt, including dated evidence, itemized charges, proof of damage, and any documentation showing I agreed to or verified this charge. ProCollect has not provided any of this. On a call in XX/XX/XXXX, they falsely claimed I had validated the debt, refused to listen to my dispute, and would not provide supporting documents. I clearly stated I was disputing the pet damage portion and had only agreed to pay for unrelated wall repairs. 

Despite this, the full {$1400.00} amount is still being reported to credit bureaus. I filed a dispute with XXXX and XXXX  ProCollects conduct violates the FDCPA and FCRA. I am requesting that the unverified portion of the debt be removed from my credit 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 2025-06-03 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-03 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: DE

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
I received a payment from XXXX XXXX on my cash app at XXXX on XX/XX/XXXX and cash app did give me a notification about payment received and they took that and put it on a loan all XXXX dollars at XXXX, 4 min later they took it and put it on that loan I did not authorize that payment at all. That money was for a light bill for my house. I tried to refund her money and it said that they could not to contact them so I did and all I got was a computer response saying that they assured me they have someone looking into the situation and that sorry for the outcome so all computer generated chat bot basically they just took the money that's not right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OR

Complaint narrative:
This reporting is misleading, unverifiable, and violates the Fair Credit Reporting Act under 15 USC 1681, 1681i, and 1681e ( b ). No proper validation has been provided to justify this negative information remaining on my credit profile. This continued misreporting is causing significant and unjust harm to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I use Coinbase to receive my salary in stablecoins from my employer, a legitimate and established blockchain organization. In XX/XX/year>, Coinbase froze my account. At this moment, I have over {$13000.00} in pending salary blocked and inaccessible. 

Coinbase cited concerns related to XXXX or suspicious activity. However, I have been submitting XXXX information for over a year, fully complying with every request, including providing government-issued ID, proof of address, and explanations for all incoming transactions. Despite this, Coinbase continues to make repeated and redundant XXXX requests without offering any resolution or clear reason for the ongoing freeze. 

My account activity is legitimate and primarily related to payroll. I am not engaged in any business or suspicious activity. The funds in question represent lawful wages from a known employer. Coinbase has not provided a path to restore access, and their customer support has failed to resolve the issue despite multiple attempts to contact them. 

This has caused significant financial hardship, as I am unable to access my earned income or receive further payments from my employer. I believe Coinbases actions are excessive, arbitrary, and potentially in violation of consumer protection and fair financial access laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
I am disputing the validity of a debt being collected and reported by Credit Collection Services for an alleged balance with XXXX XXXX XXXX ( Policy Number : XXXX ). 

On XX/XX/year>, XXXX sent me a renewal confirmation for my auto insurance policy, reflecting acceptance of my premium payment and continuation of coverage. Shortly after, I switched insurance providers to XXXX, with the new policy beginning on XX/XX/year>, thereby terminating my coverage with XXXX. 

Despite this, XXXX sent a collection notice stating that the policy had canceled on XX/XX/year> and demanded payment of a {$160.00} balance. They later requested proof of alternate insurance coverage, but I was no longer a customer and had no obligation to provide such information. The burden is on the creditor to close the account properly once a customer switches coverage, not on the consumer to submit additional documentation. 

Additionally, the timeline of their communications is inconsistent : my renewal confirmation proves that my policy was active, yet their subsequent cancellation notice and billing conflict with this. They accepted my renewal payment but failed to correctly terminate the policy after I switched to another insurer. As a result, any balance owed is invalid and improperly assigned for collection. 

Credit Collection Services is now reporting this invalid debt to XXXX XXXX, and XXXX, and no proper debt validation has been provided despite prior dispute efforts. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the immediate deletion of this tradeline from all credit reporting agencies due to the debts invalidity and improper reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$800.00} Open Date XX/XX/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 2025-06-03 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have applied for loss mitigation assistance several times and have been denied due to the companies attempt to modify my mortgage instead of accepting my request for a repayment plan for XXXX months to keep my current interest rate. I was informed about a company called XXXX XXXX XXXX XXXX and in order to assist me I needed to request a document from the mortgage company called an XXXX XXXX notice. I have made several attempts to contact someone from the mortgage company to request this document and they stated they have never heard of this notice This notice is essential to me being able to apply for assistance for my mortgage and prevent foreclosure. The mortgage company has requested documentation from me and HAS delayed this process now for several months and I would like a resolution and to be able to save my home. The mortgage company is making it very difficult for me to resolve my delinquency. My financial hardships were medical illness and XXXX minors awarded to me under my care without any financial help. Im now able to resume my mortgage payments I am employed full time and have been employed at the same company for XXXX  years. The mortgage company is aware of my hardship I have given them hardship letters, paystubs, homeowners insurance and property tax information all the information they requested. Please help me I dont want to loose my home. 
Thank you

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I filed a dispute with Chase because I purchased a service that was not working as it was described to me and was completely faulty. I initially reached out to the company who I bought the service from for assistance and they ghosted me. 

I specifically told chase I was disputing the charge based off of the fact that I was " dissatisfied with the quality of the product or service I received. '' They DID NOT file my claim as such and instead filed it as item or service cancelled and not refunded. 

I also asked the agent when I would be given the opportunity to send in supporting documents and they had told me they would email me with instructions ; which were never sent to me. I was never able to send in supporting documents. 

Lone behold, the claim was denied and reversed because the company " proved I didn't cancel my service '' which had NOTHING to do with my claim. When I called chase to appeal the claim ; they said I couldn't and there was nothing they could do. When I brought up the fact that the claim was filed incorrectly and I was never given the opportunity to send in supporting documents, the phone agent told me I had a bad representative file the claim and they didn't know what they were doing. SO basically, because Chase 's representative was poorly trained ; I lost my claim. 

They still refuse to re-open it and I am currently out {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity t
heft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-06-03 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXX. I suspect these inquiries were made in error and am requesting their removal.

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