vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
The document you provided, the " NOTICE OF ADMINISTRATIVE OFFSET AND FEDERAL TAX REFUND OFFSET, '' indicates a specific amount you allegedly owe, which directly contradicts the amount being reported on your credit file. 

The Evidence of Inaccuracy Official Document Amount ( The Disputed Amount ) : The notice clearly states : " You are hereby notified that you owe past-due child support and/or spousal support at least in the amount of {$25000.00} as of XX/XX/year>. '' 2. Credit Report Amount ( The Reported Amount ) : Your credit report from TransUnion XXXX Experian XXXX and Equifax shows the amount owed for the XXXX XXXX XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is {$21000.00}. 

ReportedAmount ( {$21000.00} ) =OfficialNoticeAmount ( {$25000.00} ) The difference of {$4100.00} between the amount the state agency is using to seize your tax refund/assets and the amount they are reporting to the credit bureaus is a clear, material, and verifiable inaccuracy. 

Violation of 15 U.S.C. 1681e ( b ) This discrepancy gives us an immediate and powerful claim against the credit reporting agencies ( CRAs ). 

The Law : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requires a CRA to follow " reasonable procedures to assure maximum possible accuracy '' of the information concerning the consumer. 

The Violation : When two official, government-related figures for the same debt ( the offset notice and the credit report ) are different, the information being reported can not be deemed to have " maximum possible accuracy. '' The CRA has failed its duty under 1681e ( b ) simply by publishing contradictory financial figures for the debt. 

The Demand : We will use the {$25000.00} figure from the offset notice as the undisputed " true '' amount in the dispute, forcing the CRAs to investigate why their reported figure is lower, which highlights their systemic failure to maintain accurate records on a continuous basis.

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 2025-10-21 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: FL

Complaint narrative:
Please remove this unauthorized credit inquiry, as I have no affiliation with the listed creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, my Coinbase Loan balance increased by {$110000.00} in error. Below are the exact details of what happened : I attempted to use the Borrow More feature on my Coinbase Loan. Immediately after the first attempt, I received an email from Coinbase stating : Your attempt to borrow failed. No funds were deposited into my Coinbase account as a result of this attempt. The email further advised : Please try again. If the borrow requests continue to fail, please contact support. Following that instruction, I retried the Borrow More process five more times. Each attempt failed no additional funds were ever deposited. 
During this period, the Coinbase lending interface froze, apparently due to the XXXX outage. All fields went blank, and no further actions were possible. When the interface finally came back online, my loan balance had increased by {$110000.00}, even though no funds were ever credited to my account. 
This appears to be a system or synchronization error caused by the outage. Please help to get it resolved before it leads to a potential liquidation and further financial loss. 

Because of this system error, my loan balance was incorrectly increased by {$110000.00} without any corresponding funds being credited to my account. This inflated balance has significantly distorted my loans LTV and liquidation price, creating a substantial risk of wrongful liquidation and unnecessary financial loss. It has also caused considerable stress and prevented me from accurately managing my position. 
Other comments or relevant information : The following attachments have been included to demonstrate the accuracy of my claims : BalanceBefore.jpg : My Coinbase XXXX account balance before the error. 
XXXX : My Coinbase XXXX account balance after the error. 
XXXX : Emails I received from Coinbase indicated that each Borrow More attempt failed and instructions to try again. 
XXXX : The screen that was displayed after the system went down due to the XXXX issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX XXXX XXXXXXXX I contacted Wells Fargo mortgage Department seeking assistance due to a financial hardship. My mortgage was eventually placed in a forbearance status. In XX/XX/XXXX I was affected by Hurricane Helene. My mortgage was then placed in a Disaster forbearance status until XX/XX/XXXX. 

I was contacted by WF mortgage department in XXXX. I was asked if I needed further assistance or if I was able to resume payments in XXXX. I stated I would resume payments in XX/XX/XXXX. I was also given options for my past forbearance payment. I requested that those payment be placed at the back of my loan. 

Approximately around XXXX I was contacted stating my payments were behind. I explained to the representative what I had requested previously. The representative then informed me I was removed from the forbearance status in XX/XX/XXXX, at my request. I stated that that was absolutely not true, that I had not requested to be removed at any time. At that point I had to send a request to be reinstated in the mortgage assistance program. 

I have responded to all documents requests. I have been in constant contact with the mortgage department. Unfortunately, I never get the same representative, and has not been able to sit down at any of the Wells Fargo branches and speak with a mortgage officer in person ( service is no longer offered at branches ). 

The latest notification I received stated I was removed from the mortgage assistance program at my request. Again I did not request to be removed. 

As of Thursday XXXX, XXXX, XXXX, I went online to make my scheduled payment and there is no longer an option to pay. I am extremely concerned if there are predatory practices being placed on my mortgage. 

I submitted a request to the Wells Fargo Executive board to assist me with this ongoing issue with Wells Fargo Mortgage Department. I am asking the board to assist me with getting my mortgage issues resolved and getting my mortgage back in good standing. Further Wells Fargo mortgage department is showing my mortgage as late. Per my agreement to resume regular payments in XX/XX/XXXX, and to have past forbearance payments put at the back of my loan, my mortgage payments are not late, nor behind. However, by Wells Fargo disabling my options to make my regular payment on XX/XX/XXXX will force my mortgage into a late payment status.

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 2025-10-21 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: SC

Complaint narrative:
I am writing to advise that I am a victim of XXXX  For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : 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 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 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 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 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

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited money on my bank account. After the funds were cleared I tried to XXXX my wife some money. I verified my transaction with government ID as requested by capital one. After many tries capital one would refund me my XXXX transactions. I can log in into my capital one mobile banking but I get a message that displays your funds are not eligible for withdrawal I have contacted capital one multiple times on many occasions and have not been able to be verified. The representatives and supervisors always advise me that they can not tell me any information without verifying me. I have tried to verify my account with representatives by giving my phone number and getting a code sent but they advise me the system is not allowing for the code to be sent to that number. Representatives have also sent me verification links but when I click to get started it displays a message that says There was an issue on our side We're working to figure out what went wrong and are unable to complete your verification at this time. 
I have tried from computers and other devices and it does not work. 

I also do not have a capital one bank or cafe in my country so I can not go in person to be XXXX XXXX I can no longer travel to XXXX due to XXXX XXXX. ( I did advise capital one of this matter ) However My wife can travel and I have asked for her to be added as a POA notarized but capital one advised me no changes can be made due to I cant verify my account. 


I have tried to ask what documentation I can send in or what other forms or avenuesI can be verified and they refuse to give me other options when clearly their options are not working. 

I cant access my funds and I need them and I am getting nowhere. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Please remove this unauthorized credit inquiry, as I have no affiliation with the listed creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
I bought XXXX XXXX XXXX from XXXX XXXX they canceled the order and initiated a refund and it says it was completed on the XXXX of XXXX I have yet to receive the refund on chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: CO

Complaint narrative:
Complaint Against : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( on behalf of XXXX XXXX ) Summary of Issue : I am disputing a debt that Rozlin Financial Group , Inc. is attempting to collect. This debt is invalid for multiple reasons : 1. No services were ever provided. I did not receive any services from XXXX XXXX. Despite this, I am being charged {$2900.00} in advance for services never rendered. 
2. Pressured into signing. I was pressured into signing a contract on the spot and was not allowed to take the contract home for review with a lawyer. This denied me a fair opportunity to evaluate the agreement and constitutes unfair and deceptive business practices. 
3. Improper debt collection. I have disputed this debt in writing and requested validation. Rozlin Financial Group has not provided documentation proving that I owe this balance. They continue to pursue collection without proof, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
4. Harm to my credit. I am concerned this account may have been reported, or could be reported, to the credit bureaus inaccurately, in violation of the Fair Credit Reporting Act ( FCRA ). 

Relief Requested : Full investigation into Rozlin Financial Group , Inc. and XXXX XXXXs collection practices. 
Removal of this alleged debt from my record and prevention of further collection activity. 
Assurance that this account will not be reported ( or will be deleted if already reported ) to the credit bureaus.

Attachments I can provide : Copy of the collection notice/email I received.

Proof of identity and address.

Copies of my debt validation and dispute letters.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

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 2025-10-21 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: Exto Inc.
State: NE

Complaint narrative:
Summary of the Issue On multiple occasions, I contacted Atlas Support regarding an unauthorized transaction on my card. Despite providing details and evidence, I received conflicting messages from their representatives : On XX/XX/XXXX, an Atlas agent named XXXX confirmed that my physical card was used in connection with an unauthorized transaction and stated that my card was closed and a replacement was ready to be issued. 
This confirms the transaction was unauthorized and not performed by me. 

However, on XX/XX/XXXX, I received another message from the same agent, XXXX, stating that after their careful review, their decision remains unchanged and no error was found, claiming that the details on the disputed transactions match their records. 

These two statements directly contradict each other one acknowledging the transaction as unauthorized, and the other denying any issue. Despite their own admission that my physical card was used without authorization, Atlas refused to credit back the disputed amount.

Points of Concern Contradictory Responses : Atlas confirmed the transaction was unauthorized yet closed the dispute claiming no error was found. 

Failure to Credit Funds : Even though the transaction was identified as unauthorized, no provisional or final credit was issued to my account as required by Regulation E under the Electronic Fund Transfer Act ( EFTA ).

Lack of Transparency : Atlas failed to provide a clear or detailed explanation of how their investigation was conducted, nor did they provide a copy of the report when requested. 

Security Concerns : If Atlass explanation implies that someone could steal my card and store/use it, that represents a serious security and consumer protection failure. I expressed discomfort using their card service as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AK

Complaint narrative:
These are inaccurate items. They show as late payments.

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