vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
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! 


XX/XX/XXXXXX/XX/year>

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 2025-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
While driving I logged into my chase app, from there I tried to transfer XXXX XXXX dollars from my checking to my savings account. I clicked my business savings account by accident, it denied the transaction. 
I didnt notice chase sent me a notification to my email address, I was driving at the time. 
From there I try to withdraw XXXX dollars from my local branch atm transaction denied, I forgot to unlock my card. Upon logging into my online banking app to unlock my card, a message appeared saying my account was locked. I called to verify transaction telling them the mistake I made now theyre trying to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have been fraudulently represented by a company that I owe debt. This company has an incorrect address and incorrect spelling of my name. I have XX/XX/XXXX child as well. I do not own any other debts with addresses nor debt with the spelling of my name incorrectly. My name is spelled XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
My Coinbase account was hacked inXX/XX/XXXX and approximately {$10000.00} in XXXX was stolen through unauthorized transactions. I reported the incident to Coinbase immediately, but they refused to reimburse me even though I did not authorize the transfers, did not give anyone access to my account, and was the victim of a security breach. 

Coinbase closed my case without properly investigating, did not restore any of the stolen funds, and failed to provide the protections required for digital asset custodians against unauthorized transactions. 

I was left with a significant financial loss and no assistance from Coinbase customer support. I am requesting that the CFPB require Coinbase to reopen my case, conduct a proper investigation, and reimburse the full {$10000.00} stolen from my account or provide a detailed, compliant explanation for why they will not. 

Coinbases refusal to refund an unauthorized transfer violates consumer protection standards and exposes customers to preventable financial harm. I am requesting CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-23 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: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/year> ExperianXX/XX/XXXXXXXX XXXX, XX/XX/XXXXXXXX Subject : Formal FCRA Request for Personal Information Correction Reference Number : XXXX To Whom It May Concern, This letter serves as a formal dispute and request for correction under the Fair Credit Reporting Act ( FCRA ). My Experian credit report contains incorrect variations of my name and addresses, which must be corrected to ensure maximum possible accuracy as required by federal law. 

Correct Information to Keep on File Legal Name : XXXX XXXX XXXX XXXX Mailing Address : XXXXXX/XX/XXXX XX/XX/XXXXXXXX Residential Address : XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX Information to Remove Immediately Any and all misspelled or incorrect name variations. 

All previous, incorrect, outdated, or unverified addresses. 

These items are inaccurate and may negatively affect my credit profile. 

Legal Basis for This Request This dispute is made under the following FCRA sections : FCRA 602 ( A ) : Ensures fairness, accuracy, and confidentiality.

FCRA 607 ( B ) : Requires maximum possible accuracy.

FCRA 611 : Grants me the right to dispute and correct inaccurate information. 

Experian is required to investigate and correct these inaccuracies within the timeframe mandated by federal law. 

Request for Written Confirmation Please provide written confirmation once all corrections have been completed. If documentation is needed, please notify me using the contact information provided above. 

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 explanation
Consumer complaint received 2025-11-23 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am requesting the removal, investigation, or correction of any and all items connected to the following variations, misspellings, or representations of my name, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other spelling that does not exactly match : XXXX XXXX These accounts and name variations do not belong to me and were never opened, authorized, or used by me. Please investigate these discrepancies under the Fair Credit Reporting Act ( FCRA ) and remove any fraudulent or inaccurately reported information from my credit file. 

I am requesting written confirmation of your findings and the updates made to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Over a year ago, both of my PayPal accounts were permanently limited, and I was never given a clear or specific reason for the decision. Recently in XX/XX/year>, I attempted to appeal the limitation through PayPals recommended channels. I asked for a manual review and offered to provide identification or any documentation needed, but I only received automated responses stating that the decision was final without any explanation or opportunity to address the issue. 

I am not disputing any charge, transaction, or fee. I am only asking for a fair review of my accounts by someone who can evaluate the situation, allow me to verify my identity, and confirm that my account activity was legitimate and compliant. I am fully willing to provide documentation and cooperate in any way required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint because Capital One denied my fraud claim for XXXX charges that I did NOT authorize. These transactions were made in XXXX de XXXX, XXXX, while I was physically in XXXX XXXX, XXXX, and I have never been to that location. 

The disputed charges are : {$810.00} XXXX XXXX ( XXXX de XXXX, XXXX ) {$92.00} XXXX XXXX ( XXXX XXXX XXXXXXXX, XXXX ) I did not authorize these charges, I did not benefit from them, and my card was not in my possession at the time. No authorized user on my account was in XXXX. We all reside in the United States. 

Additionally, Capital One allowed these transactions to go through even though they were high-amount charges, made in a foreign country that is not part of my normal spending pattern, without sending me ANY alert by phone, email, or text message. They did not ask me to verify the transactions, approve them, or reattempt the payment after validation, as most banks normally do with unusual international activity. 
This lack of notification or verification directly contributed to the fraud going unnoticed until the charges posted. 

I reported the transactions as fraud, but Capital One replied that the information we discovered makes us believe you or another user of the account benefited from the transactions, and denied my claim. This conclusion is incorrect. 

I can provide evidence of my physical presence in XXXX  XXXX  at the time ( phone location data, XXXX transaction records, receipts, etc. ). These transactions occurred in another continent and were clearly unauthorized. 

I am requesting that the CFPB review this case because : XXXX. Capital One failed to properly investigate my fraud claim. 
XXXX. Their conclusion that I benefited from the transactions is false. 
XXXX. Capital One failed to perform basic fraud-prevention checks, such as alerts or verification attempts for unusual high-risk international charges. 
XXXX. Under XXXX. credit card billing rights, I should not be held liable for unauthorized transactions. 

I respectfully request that Capital One reopen the investigation, review the evidence, and remove these fraudulent charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I paid {$500.00} cash on my credit card bill due XX/XX/XXXX. The Bank teller took my cash and stapled a receipt to my bill and told me my payment was received. On XX/XX/XXXX the bank sends an email claiming I did not pay the bill. I responded to that email that I did pay the bill and that I have the receipt. Later I checked my electronic bank statements and saw {$500.00} placed in my checking account. I went to the bank to find out what happened. A different bank teller informed me that the first bank teller put the {$500.00} cash money in a fake account. She even circles the receipt and my credit card bill to show me this. Then she stated that XXXX XXXX later the bank caught this error and placed the money back into my checking account. She assured me that I would not face any fees or interest as it was the banks problem, she refused to give me the bank tellers name and told me not to go the police. She insisted I pay the credit card bill from my checking account which I did promptly. When the bank charged me late fees and interest fees I contacted the president of the bank. They only removed the late fee but not the interest fees. My receipt shows I paid my billl at that bank on the XXXX I paid on time. I owe them nothing. I want the interest fees removed, and assurance from them that the bank teller will be prosecuted for embezzlement, purloin and misapplication of funds and to receive this in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have been a member of chime banking for XXXX years I filed an dispute for XXXX $ for a pair of shoes from sp attere they allowed the merchant to keep the money I had to file XXXX investigations in disputes just to retrieve the money I have been calling for months the merchant filed the dispute incorrectly with chime than they wont release the XXXX $ the merchant filed documents to support the dispute the bank is allowing the merchant to keep my hard earned money for months I want to take legal action against this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX RE : Cease and Desist Request - Account No. XXXX To Whom It May Concern : I am writing to formally request that Midland Credit Management XXXX XXXX cease all communication with me regarding the above-referenced account. 
This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Effective immediately, you are required to stop all forms of contact with me, including phone calls, letters, emails, text messages, or any other method of communication.

You may only contact me if the FDCPA permits it, such as to inform me that you are ending further collection efforts or to notify me of specific legal actions you intend to take. 
Please update your records to reflect this cease-and-desist demand. 
Sincerely, /s/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing this complaint against XXXX  XXXX regarding their failure to properly investigate and remove fraudulent accounts and unauthorized inquiries from my credit report, even after I provided full documentation showing I am a victim of identity theft. Accounts were opened and inquiries were made in my name without my knowledge or authorization. These fraudulent items have caused serious harm to my credit and my ability to obtain credit on fair terms.I have filed an FTC Identity Theft Report, sent written dispute letters to TransUnion and provided supporting documentation.TransUnion has failed to properly block and remove the information as required by law.There are fraudulent accounts with JPMCB being reported on my TransUnion credit report and unauthorized hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I did not apply for credit with these entities in connection with these inquiries, and I did not give anyone permission to use my personal information to access my XXXX  credit file.

I specifically requested that TransUnion remove these unauthorized hard inquiries as part of my identity theft disputes.I also cited my rights under the Fair Credit Reporting Act ( FCRA ), including 605B ( 15 U.S.C. 1681c-2 ), which requires a consumer reporting agency to block the reporting of information that resulted from identity theft within XXXX ( XXXX ) business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> my debit card was stolen and unauthorized charges in the amount of XXXX were temporary credited to my account. Upon closure of the bank wells fargo investigation my account was charged back XXXX after the bank stated that the charges were not fraudulent based on saying that I have been to the location before where the fraudulent activity was committed.

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 2025-11-23 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: CA

Complaint narrative:
Equifax failed to properly process my identity theft documentation and did not apply the required FCRA 605B permanent identity theft block. Instead, they incorrectly opened a normal dispute, temporarily removed the account, and then allowed the furnisher to reinsert it. This is a violation of the FCRA, including : Failure to apply a 605B block Illegal reinsertion of fraudulent information Failure to provide the required XXXX reinsertion notice I am requesting that the CFPB require Equifax to XXXX XXXX. Apply the permanent 605B block immediately XXXX. Permanently delete the fraudulent account XXXX. Prevent any future reinsertion XXXX. Notify the furnisher that reporting this account is prohibited Equifax mishandling of my identity theft claim has caused ongoing harm, and I need CFPB intervention. ACCOUNT : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief