vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year> my XXXX, XXXX, and XXXX were stolen while I was traveling abroad in XXXX. Within hours, unauthorized actors accessed my Coinbase account, raised my daily withdrawal limits, and transferred out approximately $ [ amount ] in cryptocurrency. 
I did not authorize these actions. I reported the theft as soon as I was able ( ~18 hours later ). Coinbase has since refused to remediate the fraud, stating that all crypto transactions are final.

While blockchain transfers can not be reversed, Coinbase failed in its fraud-prevention obligations : Allowed a sudden limit increase without re-verification, Permitted withdrawals from a foreign IP address inconsistent with my history, Failed to trigger alerts, holds, or secondary security checks despite a rapid full-account drain.

I have clued, emailed, chat, with Coinbase, with no resolution. They push me off to a chatbot or to an email thread that dead ends.

Closing my account or refusing to investigate is not an acceptable resolution. I am requesting : A full investigation into the unauthorized access and withdrawals, Copies of audit logs ( IP addresses, devices, and limit-change events ), An explanation of why fraud-prevention protocols did not block or delay these transactions, and Reimbursement/remediation of losses caused by Coinbases failure to act reasonably to protect consumer assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: NC

Complaint narrative:
I lost my cash app card, and for the last XXXX XXXX I have tried to order one in the app and im always told an unexpected error has occurred to try again later. So I have contacted customer support several times and each time im told that cash app can't give me any more information. I just need a card so I can get money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I received this through XXXX this is another company XXXX  has with my I for thats negative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Nelnet, Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding multiple negative, closed, and discharged accounts that continue to be furnished on my credit reports despite a major data breach in which consumer data, including mine, was exposed. Once a breach has occurred, continued reporting of unverifiable or compromised information is illegal and constitutes willful noncompliance with federal consumer protection laws.

Issues Identified Accounts that are closed, discharged, or previously satisfied are still being reported as negative tradelines.

Certain accounts have been compromised through known credit bureau and data furnisher breaches but have not been removed.

These accounts are unverifiable because consumer files and identifying data were compromised, yet furnishers continue to verify without lawful documentation.

Violations of Federal Law FCRA ( 15 U.S.C. 1681 et seq. ) Requires data furnishers to report only accurate and verifiable information. Reporting breached or unverifiable accounts constitutes furnishing false data ( 623 ) and f
ailure to reinvestigate disputes ( 611 ).

FDCPA ( 15 U.S.C. 1692 et seq. ) Prohibits collection and reporting of debts without validation. After a breach, no reliable validation can exist.

FERPA ( 20 U.S.C. 1232g ) For any student loans/education-related accounts, consumer educational records are protected by FERPA. Once exposed through a data breach, continued publication or reporting constitutes an unlawful release of private student/educational financial data.

FTC Act/ Unfair or Deceptive Practices Continuing to furnish or publish negative tradelines that are unverifiable after a breach is deceptive and unfair.

State Consumer Privacy and Data Breach Notification Laws Many states require deletion or correction of compromised data ; failure to do so violates jurisdictional consumer protections.

Requested Resolution Immediate deletion of all accounts that are negative, closed, discharged, or unverifiable as a result of a data breach.

Furnishers and credit reporting agencies must cease reporting compromised information and provide proof of compliance with federal law.

Provide documentation of the investigation methodology used to verify disputed accounts after the breach.

Written confirmation that no deleted accounts will be reinserted without full compliance and certification, as required by FCRA 611 ( a ) ( 5 ) ( B ).

These practices are illegal and harmful, as no consumer should continue to suffer negative credit consequences from data that has been compromised, unverifiable, or legally discharged. I request immediate deletion of these accounts and regulatory enforcement to prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi, i have occured a continiously withdraw of XXXX $ in the past from an unknown companyand as a result i changes my debit card and checking account the same time. Now these charges appear again in my account. Twice on XXXX, once on XX/XX/year> and all are the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand deletion of inaccurate, incomplete, and unverifiable information currently appearing on my Experian credit file. This letter is a direct notice under my rights established by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires Experian to ensure maximum possible accuracy and to promptly delete or correct any information that can not be verified. 

After reviewing my Experian report dated XX/XX/XXXX, I found multiple violations of the FCRA, specifically : XXXX XXXX ( Account # XXXX ) Reports XXXX late payments that are inaccurate and unverifiable. 

Prior disputes show " investigation complete '' but no documentation was ever provided to prove reporting accuracy. 

Under FCRA 611 ( 15 U.S.C. 1681i ), if Experian can not obtain independent verification from the furnisher, you must delete this item. Continuing to report without proof constitutes willful noncompliance under FCRA 616. 

DISCOVER ( Account # XXXX ) XXXX XXXX late payments without complete payment history validation. 

This is incomplete and misleading, violating FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires accurate and fair reporting. 

XXXXXXXX XXXX Closed XXXX XXXX  Accounts ( multiple ) These accounts continue to report remarks such as consumer disputes ; investigation complete consumer disagrees. 

If no supporting documentation exists proving the validity of the data, continued reporting is unlawful re-aging and misrepresentation, violating FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Closed in XXXX, still reporting dispute notations and adverse remarks. 

This is obsolete information per FCRA 605 ( a ) ( 5 ) and must be deleted immediately. 

Additionally, Experian continues to display data breach incident notations ( XX/XX/XXXX XXXX/Experian breach ) under multiple accounts. These entries are irrelevant, obsolete, and not permitted by law to be included in consumer credit files. Maintaining these notations violates FCRA 602A and 607 ( b ).

DEMAND FOR ACTION In accordance with FCRA 611 ( a ) ( 5 ), you are hereby notified that unless Experian can provide documented, verifiable evidence from the original creditors proving the accuracy of the above items, you must permanently delete them from my file within 30 days.

Failure to comply will constitute willful noncompliance, entitling me to pursue legal remedies under FCRA 616617 and, if applicable, claims under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). 

I expect written confirmation of deletions or corrections within the statutory XXXX period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: NC

Complaint narrative:
I am writing regarding your attempts to collect an alleged debt in the amount of {$750.00}. This letter serves as a formal complaint and notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Despite prior communications, your company has continued to place repeated calls to me. These repeated and unwanted calls constitute harassment and violate my rights under federal law. Effective immediately, you are instructed to cease all telephone contact with me regarding this matter.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, you are prohibited from further contacting me except to confirm termination of collection efforts or to notify me of specific legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Fraudulent transactions and denied claim without proper investigation Details of Complaint : On or about XX/XX/year>, my Navy Federal Credit Union debit/credit card was lost and subsequently stolen. The card was then used repeatedly at a corner store for multiple small transactions, eventually draining the funds that were on the card. 

I filed a fraud claim with Navy Federal immediately, as I did not authorize these transactions. Despite my timely report and clear evidence that the charges did not reflect my normal spending behavior, Navy Federal denied my claim, stating that their records did not indicate fraud and implying that I had participated in or authorized the activity. 

I strongly dispute this decision. I would not knowingly sit at a corner store making repeated purchases for hours just to deplete my card balance. Navy Federals investigation appears to have been inadequate and dismissive. 

In addition : I escalated this matter to the XXXX XXXX XXXX XXXX XXXX  ), but Navy Federal has refused to respond to thXXXX XXXX  complaint. 
I have kept all documentation of the transactions, my claim, and Navy Federals denial. 
Their refusal to properly investigate or respond leaves me financially harmed and without resolution. 

What I am seeking : A full and fair investigation into the fraudulent transactions. 
Reversal/refund of the unauthorized charges to my account. 
Accountability from Navy Federal for failing to properly respond to both my direct complaint and to the XXXX 

Supporting documentation available : Navy Federal denial letter/response. 
Transaction history showing the fraudulent charges. 
XXXX complaint and notice of Navy Federals non-response. 



XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-24 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: TN

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: TN

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
I am filing a complaint regarding multiple negative, closed, and discharged accounts that continue to be furnished on my credit reports despite a major data breach in which consumer data, including mine, was exposed. Once a breach has occurred, continued reporting of unverifiable or compromised information is illegal and constitutes willful noncompliance with federal consumer protection laws.

Issues Identified Accounts that are closed, discharged, or previously satisfied are still being reported as negative tradelines.

Certain accounts have been compromised through known credit bureau and data furnisher breaches but have not been removed.

These accounts are unverifiable because consumer files and identifying data were compromised, yet furnishers continue to verify without lawful documentation.

Violations of Federal Law FCRA ( 15 U.S.C. 1681 et seq. ) Requires data furnishers to report only accurate and verifiable information. Reporting breached or unverifiable accounts constitutes furnishing false data ( 623 ) and failure to reinvestigate disputes ( 611 ).

FDCPA ( 15 U.S.C. 1692 et seq. ) Prohibits collection and reporting of debts without validation. After a breach, no reliable validation can exist.

FERPA ( 20 U.S.C. 1232g ) For any student loans/education-related accounts, consumer educational records are protected by FERPA. Once exposed through a data breach, continued publication or reporting constitutes an unlawful release of private student/educational financial data.

FTC Act/ Unfair or Deceptive Practices Continuing to furnish or publish negative tradelines that are unverifiable after a breach is deceptive and unfair.

State Consumer Privacy and Data Breach Notification Laws Many states require deletion or correction of compromised data ; failure to do so violates jurisdictional consumer protections.

Requested Resolution Immediate deletion of all accounts that are negative, closed, discharged, or unverifiable as a result of a data breach.

Furnishers and credit reporting agencies must cease reporting compromised information and provide proof of compliance with federal law.

Provide documentation of the investigation methodology used to verify disputed accounts after the breach.

Written confirmation that no deleted accounts will be reinserted without full compliance and certification, as required by FCRA 611 ( a ) ( 5 ) ( B ).

These practices are illegal and harmful, as no consumer should continue to suffer negative credit consequences from data that has been compromised, unverifiable, or legally discharged. I request immediate deletion of these accounts and regulatory enforcement to prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I recently went through westlake financial to get a lower payment on my car loan. They accepted and we started working together. I het paid biweekly so I dont always have the money on the date of payment. Ive tried talking to an actual person but I always just sit on a silent line and nobody ever answers. They use AI to spam call me when im late on a payment. They call once an hour and I cant stop it because im unable to talk to an actual person to request an extension or to at least let them know when I can make the payment. For example, I am one day late on my payment. It is currently a Sunday. I get paid Thursday and will make the full payment Thursday morning. They have called me 4 times so far today and it is XXXX. 
I dont know what to do because I can not speak to an actual person to try to rectify the situation and the calls keep coming in every hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168XXXX, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

Company response to consumer: Closed with explanation