vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
15 usc XXXXc ( c ) the law clearly states " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: DC

Complaint narrative:
A credit card company XXXX XXXX is adding fraudulent charges and late payment fees to my XXXX XXXX account after I closed it. The payment was never late. The XXXX XXXX account from XXXX XXXX was closed and paid in full. I have a letter from XXXX XXXX confirming that my XXXX XXXX account was closed, paid in full and has a XXXX balance. The credit card company 's letter is dated as of XX/XX/year>. I disputed the charges with the credit card company. I also reported the issue to the Federal Trade Commission ( FTC ) and filed an Identity Theft Report. I request your credit bureau to remove inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: DC

Complaint narrative:
A credit card company XXXX XXXX is adding fraudulent charges and late payment fees to my XXXX XXXX account after I closed it. The payment was never late. The XXXX XXXX account from XXXX XXXX was closed and paid in full. I have a letter from XXXX XXXX confirming that my XXXX XXXX account was closed, paid in full and has a XXXX balance. The credit card company 's letter is dated as of XX/XX/year>. I disputed the charges with the credit card company. I also reported the issue to the Federal Trade Commission ( FTC ) and filed an Identity Theft Report. I request your credit bureau to remove inaccurate information 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 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
Never received written notice of right to dispute. Several inaccuracies 15 usc 1681EB, 15 usc 1681 I5A

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX {$5400.00} XXXX XXXXXXXX XXXX XXXXXXXX {$8900.00} XXXX XXXX XXXX XXXX XXXXXXXX {$650.00} All these have been submitted to both Transunion and the agencies to remove I do not know anything about these inaccurate accounts on my report. I have not been associated with any of these properties and the only addresses that shoule be associated with me is XXXX XXXX XXXX XXXX California and XXXX XXXX XXXX XXXX TX XXXX I have asked all 3 credit agencies to remove from my report and yet it has not happened

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My account was assessed a late fee of {$29.00}. I tried to make a payment on my due date which is the XXXX, but the system told me I was past the cut off time, so it automatically picked the next day which caused the late fee. I called to get the late fee waived and was advised by customer service and a supervisor that they could not waive this fee. I have been a very long time customer of capital one and was not treated like I was valued, especially since my payment was made. If Capital One is unable ti waive this late fee, I would like to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Hello, thank you for being the voice for the hardworking citizens. I was trying to pay my monthly mortgage payment like I do every third of the month. I was not able to make the payment and it directed me to a phone number. I called and spoke to a representative and they told me they were not able to take a payment unless I made XXXX payments. I asked why and they told me I was XXXX mos behind. The portal for my mortgage company Phh shows today as being XXXX days behind how is it XXXX mos?. Keep in mind the reason why I am behind is because my mortgage went up due to taxes that were added to my monthly mortgage. They were asking me to pay {$5400.00} something like that, outrages! From {$1100.00} I was paying. Thanks to your effort they brought it down to {$2100.00}. But it dont ends there, again towards the end of XXXX  they were raising it up again to {$3800.00}, again I reached out to you and you were able to bring it down back to XXXX, for my family and myself is been an extreme effort to come up with {$1200.00} extra every month for our mortgage. I also need to let you know I had to pay last month {$2700.00} thats like a {$500.00} more then my regular monthly payment of XXXX. I asked that you help me again to be able to pay my monthly payment and not have to come up with XXXX payments. I reach out to you again to help me keep my home and roof under my head. I need peace of mind that my home will not be taken. Please, dont let me lose it. My trust in you always, 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Request for Immediate Credit Report Correction Due to Bank Processing Error To Whom It May Concern, I am filing a formal complaint and request for immediate correction regarding XXXX late payments reported on my credit report for the months of XX/XX/year> and XX/XX/year>, related to my account with XXXX XXXX XXXX  ( Account XXXX XXXXXXXX ). These entries were reported in error and are currently having a significant negative impact on my credit score and financial well-being. 

The issue arose due to a processing error by my financial institution, XXXX XXXX, which failed to transmit my XXXX XXXX payments on time despite my proper scheduling and authorization. This was neither due to my negligence nor any action on my part. I have since received a formal letter from XXXX confirming their responsibility for the error and affirming that the payments were in fact timely authorized. 

Despite this evidence, the creditor has declined to adjust the reporting. As such, I am requesting the assistance of the Consumer Financial Protection Bureau to facilitate the immediate removal of these inaccurate entries from my credit report. These erroneous reports are not only unfairly damaging my credit score but also hindering my ability to apply for credit and financial services. 

I respectfully urge you to review the enclosed documentation, including a support letter from XXXX, and intervene to ensure that this reporting error is corrected as quickly as possible. 

Thank you for your time, attention, and assistance in helping to resolve this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Due to XXXX USC XXXX, it states that the foundation for the FCR ACT, outline its purpose and emphasizing the importance of fair, accurate and confidential credit reporting practices. I have been included in XXXX TransUnion, and XXXX XXXX XXXX. Allowing my personal info to people I don't know. i have been receiving request by phone for all types of info the pass year and a half. In XXXX i seen an inquiry on my report and i called in to dispute it, to find out that someone has open an account with XXXX for XXXX XXXX I called the XXXX credit reporting company that houses my data ( the someone's who has lack security allowing my personal info to be linked ) to report it and they request me fill this FTC report after filing a stated dispute with them. I have an inquiry from XXXX and a account from XXXX and two inquiries from XXXX that I didn't do. I am requesting that they remove these items immediately.

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 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
XXXX XXXX was servicing my loan for Shellpoint Mortgage, and they transferred the loan to Shellpoint Mortgage in XXXX XXXX and the balance of the loan was {$200000.00}. As a result, I questioned the balance because it seemed very high, so I requested an account history. 

I received the account history and it showed that XXXX XXXX arbitrarily added on over {$7000.00} to the balance of the loan without any explanation. I tried to contact XXXX XXXX but their tel # was no longer in service. Therefore, I reached out to Shellpoint Mortgage on XXXX, XXXX and again on XXXX XXXX, XXXX and was told they would investigate it and notify me of the findings. However, it has been over 30 days and I still have not heard from Shellpoint Mortgage, so I contacted them on XX/XX/XXXX and was told there is nothing they could do, so I should get a lawyer. As a result, I decided to file a complaint with the government.

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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI am out of state working in XXXX  and i am attempting to buy a house in California.XXXXAbove located Wells Fargo branch did not want to release funds from my own Checking account towards a cashiers check which was required for a Title Company to purchase the house. A time critical needXXXXEven after giving them my two forms of Govt issued IDs. Last name, XXXX XXXX who appeared to be Authority figure, destroyed my withdrawl slip before providing a legible copy back and told me to leave premises.XXXXTheir rationale was my signature did not match 100%, even though it was true signaturesXXXXEnded up leaving frustratedXXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WY

Complaint narrative:
I am a XXXX XXXX XXXX with extensive experience managing XXXX XXXX on multiple platforms. On XX/XX/year>, I purchased XXXX XXXX  ( XXXX  ) through Coinbase. However, shortly after the transaction was completed, Coinbase restricted my ability to transfer and withdraw the assets without prior notice or reasonable explanation. 
I have fully cooperated with Coinbase 's identity verification process. I submitted my driver 's license, credit card bill with an updated address, and completed identity verification steps such as real-time facial photo authentication as required by its customer service team. 
Despite my repeated attempts to contact Coinbase to resolve the issue, they continued to postpone processing or avoid providing clear reasons and recovery timelines. This delay caused me to suffer financial losses because I was unable to respond to market changes or reconfigure my assets in a timely manner. 
Coinbase never disclosed any terms in advance that could arbitrarily or indefinitely freeze funds. As a customer, I was not informed that my asset liquidation or transfer rights might still be restricted after completing all compliance verification steps. 
Therefore, I am filing this complaint with the U.S. Consumer Financial Protection Bureau ( CFPB ), urging you to urge Coinbase to immediately restore my account 's transfer and withdrawal privileges and to correct its lack of transparency and accountability. The continued restrictions on my account are unacceptable and have seriously affected my ability to manage my legitimate assets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: AL

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX Bankruptcy

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 2025-05-03 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-05-02 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the FAIR CREDIT REPORTING ACT ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the CONSUMER FINANCIAL PROTECTION ACT ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation