vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a text message from a California number that said my coinbase account had been logged into and if it wasnt me to call the number. I called the number and they were very convincing and had me download XXXX  to transfer and safeguard my funds. Later that evening I realized I was probably the victim of a scam. I called my bank and closed my bank account and opened a new account. Somehow the scammers were able to take {$5000.00} from my new account. I contacted my bank and told them what happened and they told me to file a claim with coinbase as well. My bank was able to get me my money back. However, Coinbase is telling me I owe them {$5000.00} even though I was scammed and I told them I was scammed and hacked. Coinbase is telling me I should lawyer up because they will be coming after me for money. When I first filed the claim with coinbase the customer service rep told me everything would be fine and I could permanently close my Coinbase account once I got my money back. I truly believe Coinbase has people working on the inside to scam people out of money. The customer service rep who told me to lawyer up sent me an email and told me to click on the links and I told him I didnt feel comfortable clicking on links and he got agitated with me. I feel Coinbase is not a legit company. Im fearful they will actually come after me. Im grateful for any help or advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611. The following account is being reported incorrectly : - Creditor Name XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported Status : Account paid in full was a charge According to my records and the FCRA guidelines, this account is being reported inaccurately for the following reason ( s ) : The charge-off date and/or reporting does not comply with the FCRA 180-day rule. Under the FCRA, the seven-year reporting period begins 180 days after the initial delinquency date, not from any later activity or incorrect date. 

Continuously reporting a charge off after the 180 days of delinquent is illegal, that means the creditor is re-aging the account Under FCRA Section 611, I request that you block and cease reporting this inaccurate information. If the furnisher can not verify the accuracy of this account, you are required by law to delete it and prevent reinsertion without proper certification. 

Enclosed are copies of supporting documents, including : - A copy of my credit report with the disputed item highlighted - Proof of identity ( drivers license, social security card and Bank statement ) Please confirm in writing that you have received this dispute and provide the results of your reinvestigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-14 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: MA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts reported by Experian, which have persisted despite multiple formal disputes and requests for verification, causing significant harm to my credit score and financial reputation. 

Specific issues include : Status field misreporting : Several accounts, including a {$690.00} XXXX account, are reported as Charged Off while also showing past due balances as of XX/XX/year>. According to Metro 2 standards, a charged-off account should not show a past due balance. This violates FCRA 607 ( b ) ( duty of accuracy ) and 623 ( a ) ( 5 ) ( furnishers must report accurately ). 

Balance and date inconsistencies : Accounts show balances, past due amounts, and update dates inconsistent with the original charge-off dates, suggesting re-aging or misreporting, violating FCRA 623 ( a ) ( 5 ) and 611 ( a ).

Failure to investigate / inadequate reinvestigation : I previously disputed these accounts, requesting full documentation and verification. Experian only noted Consumer Disagrees without providing any supporting evidence. This violates FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ) ( A ).

Failure to provide requested documentation : I requested verification including original contracts, signed agreements, wet-ink signatures
, assignment/ownership records, proof of balances, past due amounts, and account statuses. Experian did not provide any of this. This violates FCRA 609 ( a ) ( 1 ) and 623 ( a ) ( 8 ). 

Outdated addresses still reported : Despite notifying Experian that my only valid address is XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX, other addresses remain in my file, violating FCRA 607 ( b ) and Metro 2 reporting standards. 

Name variations : Experian reports my name in multiple ways. Only XXXX XXXX XXXX should appear on my credit file. 

Failure to comply with Metro 2 standards : Multiple accounts have incorrect status codes, past due amounts, balance, and date fields, violating Metro 2 compliance rules. 

Material harm over months/years : These inaccuracies have persisted for months/years, negatively impacting my credit score, creditworthiness, and ability to obtain loans or other financial products. 

Actions already taken : Disputed accounts with Experian multiple times Requested full verification and documentation Provided all known evidence and details regarding inaccuracies Despite all efforts, Experian has failed to correct, delete, or verify any of these accounts, leaving my credit file inaccurate and unverifiable.

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 2025-09-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I am a federal student loan borrower serviced by XXXX. My next payment is not due until XXXX XXXX ( proof attached ). Despite this, a third party named Eastern Revenue Inc began contacting me to collect and is reporting a collection tradeline tied to my XXXX account. 

On XX/XX/XXXX, I sent Eastern Revenue Inc a FDCPA cease-and-desist letter by certified mail. They received and signed for it on XX/XX/XXXX ( USPS tracking XXXX ). After receipt, Eastern Revenue Inc continued contacting me, which violates FDCPA, 15 U.S.C. 1692c ( c ). 

I contacted XXXX on XX/XX/XXXX and was told I do not owe a payment until XXXX ( I've included a copy of when my payment is due ) and was not provided any confirmation that Eastern is an authorized collector or servicer. If Eastern is not authorized, their collection activity and credit reporting are inaccurate and violate the FCRA, including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( duty to report accurately ). If they are authorized, they must at minimum mark the tradeline as disputed under 1681s-2 ( a ) ( 3 ) and stop contacting me after my written cease-and-desist, per the FDCPA. 

Harm : The inaccurate collection tradeline and continued contact are damaging my credit and reputation and causing emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint and Request for Debt Validation CREDENCE RESOURCE MANA ( XXXX ) To Whom It May Concern, I am writing to file a formal complaint and request investigation into the validity of a debt being reported and/or collected by [ Creditor/Debt Collector Name ], regarding account CREDENCE RESOURCE MANA ( XXXX ) Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting full validation of the alleged debt. To date, the collector has failed to provide proper documentation substantiating that I owe this debt, as required by law. 

Specifically, I am requesting : 1. Verification that the alleged debt is valid and legally enforceable.

2. Documentation showing that I am the party legally obligated to pay.

3. A complete payment history and accounting of the alleged obligation.

4. Proof that the creditor/debt collector has the legal right to collect this debt.

5. A copy of any judgment ( if applicable ).

Until such validation is provided, I dispute the debt in its entirety. Reporting or attempting to collect without proper validation may constitute violations of federal law, including but not limited to : 15 U.S.C. 1692g ( b ) requiring debt collectors to cease collection until validation is provided.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting the furnishing of inaccurate information to consumer reporting agencies.

I respectfully request that the CFPB investigate this matter and ensure the collector complies with applicable consumer protection laws. 

Enclosed are copies of relevant correspondence and credit report entries for your review. 

Thank you for your attention and assistance in protecting my rights under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: Lendmark Financial Services
State: FL

Complaint narrative:
I recently submitted a dispute and complaint with landmark financial they company agreed to remove the account from my report. The account was removed XX/XX/year> and added back XX/XX/year> once cfpb closed out the complaint the company went back and re reported this fraudulent account. 

I am submitting this complaint against Lendmark Financial Services for reporting fraudulent information to my credit report. 

On reviewing my credit file, I discovered that Lendmark Financial has reported an account in my name that I did not authorize, open, or have any association with. This account is fraudulent. I have never applied for nor entered into any agreement with Lendmark Financial, and I believe this to be a clear case of identity theft or inaccurate reporting.

This false account has significantly damaged my credit standing and caused me undue stress and hardship. I have already disputed this account with the credit bureaus, but Lendmark Financial continues to report the information as accurate.

I am requesting the CFPB to : 1. Investigate Lendmark Financials handling of this matter.

2. Require Lendmark Financial to provide evidence of any alleged account under my name, including signed documentation and application records.

3. Direct Lendmark Financial to remove this fraudulent account from my credit report immediately if they can not provide such proof.

4. Ensure that my consumer rights under the Fair Credit Reporting Act ( FCRA ) are protected. 

Please find attached supporting documents, including :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
{$1600.00} XXXX XX/XX/year> I recently reviewed a copy of my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account and would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
There are multiple unauthorized transactions and my dispute was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax, Transunion, and Experian for debt Valadation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted Equifax, Transunion, and Experian for debt Valadation.

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 2025-09-14 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: TX

Complaint narrative:
RE : Demand for Immediate Removal of Unauthorized Inquiry ( XXXX  ) To Whom It May Concern : I am writing to formally dispute and demand the immediate removal of unauthorized and/or inaccurate inquiries listed on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

The inquiries at issue are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX As you are aware, under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report under certain permissible purposes, including ( but not limited to ) where the consumer has provided authorization, or in connection with a credit transaction initiated by the consumer. 
I did not authorize or initiate any transaction that would have provided a permissible purpose for this inquiry. The reporting of this inquiry without a valid permissible purpose represents a violation of 15 U.S.C. 1681b ( f ), which states : " A person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. '' Additionally, under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of this dispute and delete or correct inaccurate or unverifiable information within 30 days. 
Relevant Legal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  The court held that accessing a consumers credit report without a permissible purpose under the FCRA is a violation and can expose the party to liability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to ensure the accuracy of consumer reports can result in damages under the FCRA. 
My Formal Demand I hereby demand that you : Immediately delete the unauthorized inquiry ( ies ) listed above from my credit file. 
Provide written confirmation of the deletion within 30 days of your receipt of this letter. 
Consequences of Non-Compliance Should you fail to comply, I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Oaice.

Pursue legal action under 15 U.S.C. 1681n ( willful noncompliance ) or 1681o ( negligent noncompliance ), seeking actual damages, statutory damages, punitive damages where appropriate, attorneys fees, and court costs. 
Please consider this your final notice, and I look forward to your prompt 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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I used an inconvenience check on XX/XX/year> for {$6000.00}. Although Ive paid several thousand dollars to Chase bank over my minimum payment, they claim its never been fully paid off. If the CFPB doesnt do anything about this, I will make sure a class action is started. Chase basically can deside how much of your payment they want to designate to the inconvenience check, deliberately so they can bilk extra interest out of the consumer! 
Today, I called them and specifically requested the inconvenience check total and was told {$2000.00}. I told the phone agent I wanted to pay that off in full RIGHT NOW! The Chase representative said Im not allowed to do that, its against our policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
XXXX XXXX XXXX was XXXX accounts with the same partial account numbers and different recent balances on XXXX, Partial Account Number XXXX 

XXXX XXXX XXXX was XXXX accounts with the different partial account numbers on Equifax. 
XXXX XXXX XXXX was XXXX account partial account number, account number XXXX XXXXXXXX on Equifax that was been transferred/sold but still appears on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding the denial of my fraud claim associated with my Bank of America prepaid debit card claim. I believe there has been a significant misunderstanding concerning the events surrounding my claim, and I kindly request your assistance in addressing this issue.

Description of the Situation : 1. Fraud Incident : I was a victim of a robbery in XXXX which my phone and purse, containing my identification and Social Security card, were stolen. This included my ID card, which contained my home address, leading to complications regarding my financial accounts.

2. Unemployment Claim Affected : Due to the robbery, I was unable to access my account, which significantly impacted my Employment Development Department ( EDD ) unemployment claim.

3. Data Breaches : In addition to the robbery, I have been a victim of multiple data breaches that compromised my personal information. This has complicated my financial situation, as my identity has been used without my consent. 

4. Incorrect Check Issuance : In early XXXX for an initial claim from XXXX, a check related to my EDD claim fraud claim was issued but sent to the wrong address the same address listed on the stolen ID. I did not receive this check until early XXXX, and when I finally obtained it, the amount was incorrect. Consequently, I submitted a new claim to recover the missing funds and correct the discrepancies that has been denied multiple times 5. Card Not Received : I have never received my prepaid card because it was sent to the wrong address, which was listed on my stolen ID card. This situation had prevented me from accessing my funds and resolving my financial issues. 

Supporting Documentation : I have included police reports that confirm the robbery, as well as documentation that highlights the data breaches I have experienced. These documents substantiate the claims made in my original submission and demonstrate the severe impact these events have had on my financial well-being.

Request for Action : Given the distressing circumstances and the substantial impact on my finances, I am requesting that my denied claim be reviewed and reconsidered. It is crucial that this matter be resolved promptly, as it has caused ongoing financial difficulties and emotional distress. 

Thank you for your attention to this matter. I hope for a swift resolution.

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 2025-09-14 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: GA

Complaint narrative:
I was monitoring my credit file and noticed fraudulent accounts on my credit file, I contacted these companies and they were unable to validate any of these accounts bearing my signature ; XXXX XXXX XXXX XXXX REPORTING THAT I OWE {$510.00} XXXX XXXX XXXX-REPORTING THAT I OWE {$2500.00} XXXX XXXX XXXX XXXX REPORTING THAT I OWE {$1100.00} XXXX XXXX XXXX- REPORTING THAT I OWE {$370.00} XXXX XXXX XXXX- REPORTING THAT I OWE {$830.00} AND {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
I was monitoring my credit file and noticed fraudulent accounts on my credit file, I contacted these companies and they were unable to validate any of these accounts bearing my signature ; XXXX XXXX XXXX XXXX REPORTING THAT I OWE {$510.00} XXXX XXXX XXXX-REPORTING THAT I OWE {$2500.00} XXXX XXXX XXXX XXXX REPORTING THAT I OWE {$1100.00} XXXX XXXX XXXX- REPORTING THAT I OWE {$370.00} XXXX XXXX XXXX- REPORTING THAT I OWE {$830.00} AND {$850.00}

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 2025-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
A lien was placed on my property by Roosen Varchetti & Oliver GA PLLC, representing XXXX XXXX XXXX XXXX XXXX from a Civil Action File No. XXXX. I responded to this with information that I have negotiated and court-settled a debt agreement with XXXX XXXX XXXX XXXX XXXX ) and XXXXXX/XX/XXXXXXXX XXXX XXXX ), in which this particular case was cited. All debts to XXXX XXXX XXXX have been settled. The lien was placed in XX/XX/XXXX in the amount of {$130000.00} on my property. This lien disallows me from selling my property or obtaining a loan or refinancing, thus creating undue harm to me and my family.

Company response to consumer: Closed with explanation