vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
BEST BUY/CBNA Debt Collection Agencys Subject : Request for Debt Validation Account Number : XXXX Dear BEST BUY/CBNA I am writing in response to your communication regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt and provide me with the following information : The amount of the alleged debt. 
The name of the original creditor. 
A copy of the original contract or agreement that you claim I signed or otherwise agreed to, which establishes my responsibility for the debt. 
A detailed statement showing the history and breakdown of the debt, including any charges or fees that have been added. 
Documentation verifying that you are authorized to collect this debt on behalf of the original creditor. 
Please provide these details within XXXX XXXX of receiving this letter. If you are unable to provide the necessary documentation to validate the debt, I request that you cease collection efforts and remove any negative information related to this debt from my credit report. 
In accordance with the FDCPA, I also request that you cease all further communication with me until this debt has been properly validated. 
Thank you for your attention to this matter. I look forward to receiving the requested information. Please send the documentation to the address listed above. 
Sincerely,

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : [ XX/XX/XXXX ] XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- - Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear [ Credit Bureaus and ], I am writing to dispute inaccurate and unverifiable information on my credit report ( Reference # : XXXX XXXX XXXXXXXX, dated XX/XX/XXXXXXXX XXXX XXXX ). Under the Fair Credit Reporting Act ( FCRA ), I request immediate investigation and removal of the following negative and inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD ( Account # : XXXX ) XXXX XXXX XXXX Reported as : XXXX XXXX  Charge-off / Collection / Derogatory * * * This reporting is * * inaccurate, incomplete, and unverifiable * *. 
* The account shows conflicting information across the three bureaus ( dates of last activity, payment status, and balance reporting ). 
* Please delete this account entirely if it can not be verified in full compliance with FCRA 609 and 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account # : XXXX ) XXXX XXXX XXXX Status shows XXXX XXXX Canceled/Closed by Grantor * *. 
* This language is misleading, suggesting negative activity, although the account was paid/closed in good standing. 
* Please update to * * Closed Paid as Agreed / XXXX Balance * * or delete the account if it can not be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX  * * Hard Inquiries * * I did not authorize or no longer recognize the following inquiries, which are harming my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under FCRA 604, inquiries must have permissible purpose. If the bureaus can not verify permissible purpose in writing, these inquiries must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX Request for Deletion/Correction I respectfully request deletion or correction of the above accounts and inquiries within the * * 30 days required under FCRA 611 * *. If you can not fully verify the accuracy of this information, it must be deleted. 

Please send me an updated copy of my credit report once your reinvestigation is complete. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Subject : Consumer Financial Protection Complaint Coinbase Unauthorized XXXX  Trade and Theft of {$150000.00} To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX, XXXX  XXXX DC XXXX, XXXX From : XXXX XXXX Email : XXXX XXXX  Dear CFPB, I am filing this complaint regarding Coinbase , Inc. for illegal unauthorized trading, inadequate customer support, and security failures that resulted in my loss of {$150000.00}. 
On XX/XX/2025, I wired {$40000.00} to my Coinbase account, which was illegally and without my consent converted into XRP ( Advanced XXXX XXXX XXXX  Coinbase failed to resolve this despite my repeated inquiries. 
On XX/XX/XXXX and XXXX, 2025, after requesting a telephone request with Coinbase, scammers impersonating its employees called me ( XXXX, XXXX, XXXX, and XXXX ). They persuaded me to install XXXX and subsequently stole my full balance {$150000.00} worth of XXXX on XX/XX/2025. 
I believe Coinbases delayed support, security management failures, and internal data exposure directly caused this fraud.

I request the CFPB to investigate Coinbases consumer protection practices and hold it accountable for failing to safeguard customer funds and data. 
Supporting References : XXXX XXXXXXXX Complaint IDs : XXXX / XXXX NJ Police Case XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have received a copy of my consumer report and I notice you have furnished transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) ( A ) ( i ). ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
A consumers transactions are excluded from the consumer reports. XXXX and/or any other risk score or algorithm used to calculate a consumers credit score is not a factor where the consumer report is concerned. By definition, a consumer report is any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under 1681b. XXXX or XXXX factors/algorithms are not included in this definition. 
Therefore, the reporting of transactions between the consumer ( ME ) and the person ( this Bank ) is a violation of 15 USC 1681a. You have furnished transaction information and inserted late payments/charge-off on my consumer report, despite my payments being made in good faith. 
Account in Dispute : Bank of America XXXX reported items : 30 days late : XXXX XXXX  60 days late : XXXX XXXX 90 days late : XXXX XXXX 120 days late : XXXX XXXX  150 days late : XXXX XXXX 60 days late : XX/XX/scrub>XXXX XXXX  Charge-Off : XX/XX/year> Charge-Off : XX/XX/scrub>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 2025-09-28 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: DC

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting by XXXX XXXX ( Formerly XXXX XXXX XXXX ) To Whom It May Concern, I am filing this complaint regarding inaccurate and damaging credit reporting associated with my former XXXX Credit Card account XXXX 

In XXXX XXXX XXXXXXXX acquired XXXX XXXX XXXX, the parent company of the XXXX brand. Prior to this acquisition, I held an XXXX Credit Card. In XX/XX/year>, XXXX incorrectly reported that I was late on a payment. This report is factually wrong, as I paid my full balance in XX/XX/year> well before the 30-day late threshold.

Since that time, I have made multiple attempts to dispute and correct this error. Unfortunately, I no longer have direct access to my old XXXX statements to independently verify, but I have consistently provided evidence of timely payment. Despite my efforts : XXXX  has acknowledged and corrected the mistake. 

Experian and TransUnion continue to report the late payment inaccurately. 

For a period of time, both XXXX and XXXX reported the same false delinquency, resulting in the error being recorded twice against my credit history. 

This has caused significant and ongoing harm to my credit profile. 

I have repeatedly contacted XXXX XXXX, XXXX, and the credit bureaus. I can provide dates and details of my outreach efforts. Despite these efforts, XXXX XXXX has failed to resolve the issue and continues to allow the false derogatory information to remain on my credit reports with Experian and TransUnion. 

I respectfully request that the CFPB require XXXX XXXX to : Immediately remove the false delinquency from all credit bureaus. 

Confirm in writing that the reporting has been corrected. 

Implement safeguards to prevent duplicate or inaccurate reporting during and after corporate acquisitions. 

XXXX actions, and failure to act after repeated disputes, demonstrate disregard for accuracy and consumer protection. This has materially harmed me, and I ask for the CFPBs intervention to ensure fair and accurate credit reporting. 

Sincerely, 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 2025-09-28 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:
I am contacting you regarding an unauthorized account listed on my credit report. I did not open or acknowledge this account. Attached are documents substantiating my position. Kindly review and delete this erroneous entry.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am disputing five debts with LVNV in the amounts of {$2500.00}, {$1200.00}, {$1300.00}, and {$1200.00} and {$270.00} all of which should not have been sold to LVNV since I was not informed and did not give authorization, nor a wet-ink signature was not completed. I have disputed this debt with them numerous times, but they have not sent me the required information that was requested. Even after I sent them a cease-and-desist letter in reference to these amounts, they still filed it with the courts and had someone to serve me with a small claim summons and XXXX  me and my family by blowing the horn and knocking on my door and banging on the windows and ringing my doorbell, all which was heard and seem on the home camera from work and my neighbors informed s also when we got home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My issue is with Wells Fargo bank. Early in XXXX I noticed that I had several unrecognized transactions made to one XXXX XXXX of XXXX XXXX. I immediately contacted my bank to notify them that my card was compromised and that I had noticed several transactions I didn't recognize. Wells Fargo took my statement and cancelled my debit card. They said that all of the transactions were legitimate because they were chip authorized transactions, yet they were made in two places. One authorized, the other not. The bank refused to open a case after dismissal of the initial claim. While I was disputing it I had another charge on my debit clear. Again they insisted I had made the charge despite living in XXXX XXXX and making a transaction locally at the same exact time. I have XXXX total unauthorized transactions that I'm unable to dispute with Wells Fargo XXXX on my debit card and XXXX on my credit card. Fortunately I was able to get a reversal on the credit charge. But there are over XXXX $ in debit charges that Wells Fargo refused to acknowledge as fraud. They've refused to appeal it, refused to contact me in a follow up conversation. 
The transactions start on my debit card ; XX/XX/year> for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
I contacted my bank after the last XXXX XXXX  transaction and when I looked for other transactions under the same vendor I assumed I had been skimmed or hacked. I reported my account as compromised and locked it down. Requested a new card and switched to my credit card. I made XXXX transactions at the local XXXX gas station and then had a XXXXXXXX XXXX  fraudulent charge to my credit card on XX/XX/year> immediately after making a purchase at the gas station. I've since contacted the owner of the gas station and notified the authorities like the FBI and local sheriff. Wells Fargo refused to conduct an investigation to verify the fraud. Refused my appeal and refused to refund the fraud on my debit card. Fortunately I got the XXXX XXXXXXXX XXXX  charge back but I still lost XXXXXXXX XXXX XXXX  on my debit card. I need some help. I can upload documents in a follow up email as my device doesn't have enough ram to let me tab away to upload a photo. Please contact me for screenshots of the information I do have from my banking app.

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 2025-09-28 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: WA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/year>, I was on XXXX watching a live stream where an individual claimed that if viewers sent XXXX gifts, he would send them money back through XXXX XXXX. The live appeared legitimate, with many participants, and the person repeatedly stated he would send money in return for gifts. 

Believing this was real, I sent gifts using my Apple Card through Apple Pay. Once I sent the gifts, I did not receive anything in return. The individual stopped responding and it became clear this was a scam designed to trick people. 

I immediately disputed the transaction with Apple/Goldman Sachs . However, they denied my claim and told me their decision was final. This ignores the fact that this was a fraudulent transaction I was misled under false pretenses and did not receive what I paid for. 

I am requesting that this fraudulent charge be reversed and that Apple/Goldman Sachs properly recognize this as a scam. I can provide screenshots of the XXXX live and the scammers false claims as supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : TransUnion XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate/Unlawful Reporting under 15 U.S.C. 1681c-3 Dear Credit Reporting Agency , I am writing to formally dispute and demand the immediate blocking of certain information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-3, which provides that consumer reporting agencies must block the reporting of information that resulted from identity theft when notified by the consumer.

Upon reviewing my three-bureau credit report dated XX/XX/XXXX ( Reference # XXXX ), I identified the following account ( s ) that must be investigated and blocked : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( varies per bureau ) Status : Derogatory / Charged-Off / Collection Balance Reported : {$1200.00} Last Reported : XX/XX/XXXX This account is the result of identity theft and is being inaccurately reported under my credit file. I did not open or authorize this account, nor am I legally responsible for it.

Pursuant to 15 U.S.C. 1681c-3 ( a ), you are required to block this information from my credit file within four ( 4 ) business days of receiving this notice, along with my identity theft report.

I request that you provide me with written confirmation once this information has been blocked and permanently removed from my credit file. Please also send me an updated copy of my corrected credit report.

Failure to comply with this request will constitute a violation of the FCRA, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, as well as pursue legal remedies.

Thank you for your prompt attention to this matter.

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: National Consumer Telecom & Utilities Exchange, Inc.
State: NV

Complaint narrative:
I am writing to dispute the accuracy of the following five accounts appearing on my NCTUE consumer file. These accounts are either inaccurate, inconsistent, or not mine. 



Disputed Accounts XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX Reported Balance : {$2700.00} Status : Non-Pay Disconnect / Charge Off Date Reported : XX/XX/XXXX I dispute this account as inaccurate and request verification. 
XXXX. XXXX XXXX Account # XXXX Reported Balance : {$450.00} Status : Non-Pay Disconnect Date Reported : XX/XX/XXXX I dispute this account as inaccurate and request verification. 
XXXX. XXXX XXXX Account # XXXX Reported Balance : {$0.00} Status : Paid or Closed / XXXX Balance but also marked Charge Off Disconnect Date : XX/XX/XXXX Date Reported : XX/XX/XXXX This is contradictory and inaccurate. 
XXXX. XXXX XXXX Account # XXXX Reported Balance : {$0.00} Status : Paid or Closed / XXXX Balance but also marked Charge Off Last Payment Date : XX/XX/XXXX Disconnect Date : XX/XX/XXXX Date Reported : XX/XX/XXXX This is contradictory and inaccurate. 
XXXX. XXXX XXXX Account # XXXX Reported Balance : {$0.00} Status : Paid or Closed / XXXX Balance but also marked Charge Off Connect Date : XX/XX/XXXX Disconnect Date : XX/XX/XXXX Date Reported : XX/XX/XXXX This is contradictory and inaccurate. 



FCRA Protections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) CRAs must ensure maximum possible accuracy.

611 ( 15 U.S.C. 1681i ) Consumers have the right to dispute information and CRAs must conduct a reasonable reinvestigation.

604 ( 15 U.S.C. 1681b ) Reports may only be furnished with a permissible purpose.

Requested Action I request that NCTUE : 1. Conduct a reinvestigation of each of the five accounts listed above.

2. Provide documentation verifying my liability, including signed contracts, billing records, and payment history.

3. Delete or correct any account that can not be fully verified.

Please provide the results of your reinvestigation in writing within the time required by law.

Company response to consumer: Closed with explanation