vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
In the past several recent month in XXXX, I attempted to reset my Coinbase account password and was repeatedly sent password reset links that failed within minutes of being issued, stating the link had already expired. I followed Coinbases instructions exactly and submitted multiple screenshots showing the recurring issue, including through their secure portal. I also contacted Coinbase support several times but only received automated responses requesting the same steps I had already completed. 

Despite ongoing effortsincluding contacting Coinbase through their official channels, submitting a complaint to the XXXX XXXX XXXX, and providing documentationno resolution has been provided. I have not been given any alternative options for regaining access to my account or assets, which total approximately {$300000.00}. 

This situation has caused significant financial and emotional distress. I am requesting that Coinbase immediately provide working means to securely access my account and funds. If this continues unresolved, I will be forced to escalate further through legal or regulatory avenues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I am a victim of identity theft and have discovered multiple fraudulent accounts and unauthorized inquiries on my credit report. I did not authorize or open any of the accounts listed in my FTC Identity Theft Report. Despite providing the required documentation, the credit reporting agencies and creditors have not removed the fraudulent information. I am requesting that the CFPB intervene to ensure my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B, are enforced and that all fraudulent data is blocked and deleted 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 2025-07-24 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: GA

Complaint narrative:
I am a victim of identity theft and have discovered multiple fraudulent accounts and unauthorized inquiries on my credit report. I did not authorize or open any of the accounts listed in my FTC Identity Theft Report. Despite providing the required documentation, the credit reporting agencies and creditors have not removed the fraudulent information. I am requesting that the CFPB intervene to ensure my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B, are enforced and that all fraudulent data is blocked and deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On on XX/XX/year> at XXXX XXXX. I went to the ATM of truest bank to make a deposit of my rent {$2100.00}. The first deposit was {$580.00}. The bank took it. The second deposit was a remainder balance, and the banks did not accept the deposit and sent back {$20.00} of the deposit that said the bank did not accept. I remove the {$20.00} from the ATM and the ATM closed back money started spinning. I could hear the money spinning in the ATM. The ATM opened up with no money and then would not close then closed. I made sure to step back so that on footage could be captured on video. The ATMs gave me a receipt stating that they apologize that there was an error with your deposit. It did not process. Were keeping your money for safekeeping came up on the screen and the receipt was sent to me. I wasnt able to capture the screenshot of the screen, but I was able to get the receipt out which said we apologize. There was an error with your deposit. It did not process call XXXX to submit a claim to speed up the process please provide this information on this receipt. I tried to call the XXXX number. I got someone who did not speak, but the best XXXX was not able to help me and I dont believe they enter the information correctly for the claim because of the next day when I called the next business day so when I did that they did submit the claim said that they would get back to me. I did explain to them that I would have a late fee. This was for my rent of course it generally its due on the XXXX. I have by the XXXX to pay it. I paid last month the XXXX thats why I was making the deposit trying to go ahead and make this payment today is XX/XX/XXXX and as of yet they have not refunded my money. They are stating that they have not reconciled the ATM yet although its supposed to have been done once a week Ive been getting the runaround from the bank. Ive called the bank. Ive spoken with the fraud department. No one is really helping me. They have issued me a {$25.00} courtesy credit on my account. I need my money. Theyre holding over {$1500.00} of my money and this is just not acceptable and Im at this point its causing hardship on me. I have an additional late fee that was added to my account of {$210.00} that I can provide documentation of and I was gon na get another late fee if I did not make this payment, Im stuck right now having to borrow money and get more debt to pay rent and I trusted a bank and deposited cash money into an ATM and they have not given me my money. I hope someone could help me Ive given everything to the bank and I am still yet to get any answers.

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 monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It XXXX Concern, Wells Fargo Bank XXXX Consumer Financial Protection Bureau / California DFPI Subject : Formal Complaint Regarding Withheld Funds, XXXX XXXX XXXX, and Denial of Account Closure I am writing to file a formal complaint regarding the treatment I have received from Wells Fargo Bank, which has resulted in the unlawful withholding of my funds, disruption of my business operations, and repeated obstruction of my attempts to close my account. 

I initiated two XXXX transfers from my external account ( in my name ) to my Wells Fargo checking account. XXXX transfer was held for XXXX days and then returned to the sendermyselfwithout explanation. The second transfer was processed and the funds appear in my account, but I am now on the third day without being able to access the money. The bank continues to withhold the funds, despite them showing as available. 

I contacted Wells Fargos customer support several times and was told that I should be able to withdraw my funds. However, when I visited the branch in person, I was refused access to my money. I also requested to close the account, and that too was denied without justification. 

I made multiple trips to the branch, including scheduled appointments specifically to withdraw my funds and close the account, yet each time I was met with delays, refusal, or vague excuses. 

This behavior has directly impacted my ability to make payroll for my business, causing serious operational stress and potential liability. It is unacceptable that a major financial institution can delay personal transfers for days without due process, while misrepresenting the availability of those funds to the account holder. 

Even if this issue is eventually resolved, I request that this case be formally investigated and that Wells Fargo be held accountable for these actions, including the withholding of legally transferred funds, denial of account closure, and misleading customer service practices. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-07-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint against Experian and TransUnion for continuing to report an unauthorized XXXX XXXX account XXXX was previously removed following formal disputes under the Fair Credit Reporting Act ( FCRA ). This account was reinserted without any written notice, in violation of FCRA XXXX ( a ) ( XXXX ) ( B ). 

This account was originally removed from all three major credit bureaus in XXXX and XX/XX/XXXX after I submitted : A valid FTC Identity Theft Report Government-issued ID and proof of address Formal dispute letters to Experian, TransUnion, and XXXX  On XX/XX/XXXX, I also sent a formal cease-and-desist and XXXX demand letter directly to XXXX XXXX, notifying them that they were reporting inaccurate charge-off information in violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( knowingly reporting inaccurate info ) IRS regulations requiring a Form 1099-C for canceled debts over {$600.00} XXXX XXXX has never sent me a 1099-C, despite reporting this account as a charge-off. As per IRS guidelines, if the account is charged off, it must be treated as canceled debt and reported as income not as a delinquent tradeline on a credit report. If its not canceled, then the charge-off status is false. 

As of now : Experian reports the account as closed with a {$21000.00} balance, charge-offs monthly in XXXX, and only 26 % paid XXXX  has removed the account completely TransUnion reports conflicting info, labeling it as open and paid off, while still marking it delinquent I previously reported Experians inaccurate reporting to TransUnion in XX/XX/XXXX and XX/XX/XXXX I did not authorize this account, and XXXX XXXX has failed to prove that they have permissible purpose to report it under FCRA 604 . Reporting a tradeline without my knowledge or consent and after receiving a formal identity theft package constitutes identity theft and willful noncompliance with FCRA and IRS law. 



I am attaching my FTC Identity Theft Report, ID, proof of address, my XX/XX/XXXX cease-and-desist letter to XXXX XXXX, XXXX deletion confirmations, and credit report screenshots and letters I sent to both Experian and TransUnion. 

Sincerely, 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 2025-07-24 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: CA

Complaint narrative:
Equifax has remarks and coding errors that has caused my score within 30 days to drop a total of - XXXX. 
I have sent over and over the letters from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX 
All three letters were to REMOVE from my credit report. Equifax continues messing up my score with the last ridiculous thing on XX/XX/XXXX. putting a remark on XXXX XXXX over the balance????? A fraudulent account opened in XXXX  and suddenly Equifax updates incorrectly! 
If the creditors have investigated and my letters state REMOVE. WHY IS EQUIFAX INPUTTING ERRORS??? 
This has caused me unnecessary stress. 
Please support me and have EQUIFAX REMOVE the XXXX companies above. 
Years of fighting and getting no where!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I was reimbursed via Cash app two payments, one in the amount of {$1800.00} and another in the amount of {$23.00}. After waiting the recommended transfer time I reached out to the company several times to advise them that I had not been credited the funds due back to my account. they advised I reached out to my bank, which I did. The bank found no trace of the transfers returned to my account, which I informed Cash App about. They insisted they had initiated the transfers, but could not confirm whether they were completed. After back-and-forth between cash app and my bank cash app management reached out to confirm that the initial transfer of the funds back into my account account had failed on their end. I was advised they had reinitiated the transfer and that I should wait. After waiting the recommended period of time necessary for the funds to be returned to my account, I reached out to Cash App management to let them know that no funds were ever indeed deposited back to my account. I also reached out to my bank who confirmed the same. Today I have not received the funds back, which are likely in Cash Apps ledgers as they were able to find them sometime after their initial investigation. It is logical to think that if the transaction failed to reach my bank account once, it could fail twice. Cash App today has failed to address my concerns and return the funds. Please see email chain attached herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Today I was notified by my identity theft monitoring service that LVNV Funding had reported a collections account I had no knowledge of on my XXXX  credit report. When I accessed the report I found that they were claiming I owe them {$3600.00} and that I live at an unfamiliar address in XXXX XXXX. I have never had a contract or agreement with LVNV. I have never resided in XXXX or owned property there. My vehicle is not registered there. My voter registration is not in that county. I have no idea what made them think that I live at that location or why they chose to list it as my residence. I am concerned that they have further compromised my identity and violated my FDCPA rights if they have sent mail there or contacted the occupants/property owner. This is extremely unethical and unprofessional conduct on their part. I have had prior issues with LVNV Funding accusing me of owing them debts that are not mine and making false claims on my credit report without first validating the debt or my identity. If they do not immediately remove this false information from my credit report I am going to file a lawsuit and complaints with multiple government agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am experiencing a financial hardship and have entered into a Debt Management plan through XXXX. Capital One has refused to participate and they will not say why to either me of XXXX. I have asked them to reconsider and they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I submitted a payment of nearly {$2000.00} to my Apple Card account, which has been withdrawn from my bank. Apple Card has placed a hold on these funds and refuses to release or cancel the payment. This is causing financial hardship, and their refusal to release funds already withdrawn is unreasonable and restrictive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I suspect these unfamiliar inquiries may be unauthorized. Please investigate them immediately and take any corrective action needed. The attached documents may assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Debt sent from XXXX XXXX XXXX in XXXXXXXX XXXX to XXXX Collections after fleeing from documented XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-25 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM A VICITIM OF IDENTITY THEFT. BUT CREDIT BEUROS DID NOT TAKE ENOUGH ACTION FOR MY NAME TO BE FRAUD FREE. I HAVE FRAUDULENT INQUIRES UNDER MY NAME WHCH ARE : XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM REPATING THAT THIS INQUIRES ARE NOT MINE AND I HAVE NO CLUE HOW THESE GOT UNDER MY NAME. I HOPE THIS IS GOING TO BE SOLVED AND I WILL FINALLY BE FREE OF THIS DARK THINGS WHICH I FEEL REALLY WORRIED ABOUT. THANKS.

Company response to consumer: Closed with explanation