vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I made a purchase on Coinbase using XXXX. Before completing the transaction, Coinbase did not clearly inform me that my funds would be placed on hold or for how long. After the purchase went through, I was notified that I would not be able to access or withdraw my funds for XXXX  days. 
I was unaware of this deadline prior to purchasing. The restriction on my funds was only disclosed after my payment was completed. 
After that, Coinbase changed the hold period again, extending it from XXXX  days to XXXX  days without any explanation or valid reason. This change happened after the payment had already been accepted and approved. 
This is unfair and deceptive. Coinbase did not properly disclose the initial hold period before the purchase, and then altered the terms after the transaction was finalized. I am now unable to access my own money for a full month, even though the payment has cleared.Thank you for your time Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am disputing an unfair credit-limit reduction by Barclays Bank Delaware on my credit card account, which was based on a lowered credit score that resulted from actions taken by another creditor, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX 

Although I have maintained excellent payment history with XXXX late payments and regular paydownsBarclays recently reduced my credit limit citing a lower credit score. That drop in score was directly caused by XXXX XXXX  repeated credit-line decreases on my XXXX XXXX account, which pushed that account into 100 % utilization and reduced my overall FICO score by approximately XXXX points through no fault of my own. 

Barclays automated system appears to have acted on that temporary score decrease without considering my clean payment record and long-term creditworthiness. This has compounded the financial harm caused by XXXX, further increasing my utilization ratio and amplifying the damage to my credit profile across multiple accounts. 

I believe this constitutes an unfair practice under 12 U.S.C. 5531 ( UDAAP ) and potentially an adverse-action event under the Fair Credit Reporting Act ( FCRA 615 ) and Regulation B ( ECOA 1002.9 ). Barclays did not provide a detailed adverse-action notice explaining the specific data or model used in making its limit-reduction decision.

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 2025-11-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I encountered fraud on my Citi credit card and immediately called Citis Fraud Department to report it. There were approximately XXXX unauthorized charges of around {$7.00} {$8.00} each from the XXXX XXXX in XXXX. I told Citi clearly that these specific XXXX charges were fraudulent and should be disputed. 

Instead of disputing only those charges, Citi incorrectly reversed all of my legitimate charges from XXXX through the current month, covering numerous unrelated merchants. I did not authorize these reversals or disputes. 

When I discovered the error, I immediately called Citi and told them they needed to restore those payments to the merchants right away. I have contacted Citi multiple times, but they have failed to correct their mistake and have not reinstated the legitimate charges they wrongfully removed. 

Because Citi initiated unauthorized disputes on valid transactions, several of my essential service providers ( including XXXX  and utilities ) have shut off or threatened to shut off my services, as they believe I initiated chargebacks. This has caused significant hardship. 

I am requesting the CFPBs assistance because Citi has not resolved this despite repeated notifications. 

What I am requesting : XXXX.Citi must immediately reinstate and pay all legitimate merchant charges that they reversed in error. 
XXXXCiti must reimburse all consequential fees, penalties, and reconnection charges caused by their mistake and by the resulting service interruptions. 
XXXX. Citi must correct any negative notations on my relationships with affected merchants. 

This issue was entirely caused by Citi initiating unauthorized disputes that I never requested, and their continued failure to correct the problem has caused me financial and personal harm. 

Thank you for your assistance in resolving 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 monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: SC

Complaint narrative:
My card, which was valid until XX/XX/year>, was prematurely and unilaterally canceled by Cash App. This action has created an unjustified XXXX service blackout where I can not use my funds for commerce, despite the ability to send XXXX payments. Cash App failed to provide immediate access to the new digital card details, which is a breach of their implied obligation for continuous service. 

This service failure directly impedes my ability to meet the monthly spending requirements necessary to maintain my Cash App XXXX XXXX, effectively penalizing me for an administrative error on their part. Furthermore, when attempting to resolve this via their priority phone support, the representative hung up mid-call, demonstrating a complete failure of their dispute resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. 
As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent HARD INQUIRIES from my credit report. 
HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-15 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: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX a charged-off account with inconsistent balance information, missing dates, and unverifiable details. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate information.

FCRA 602 ( A ) Not meeting maximum accuracy requirements.

FCRA 611 ( a ) Did not correct or reinvestigate disputed information.

FCRA 611 ( a ) ( 5 ) Leaving unverifiable data on my credit report. 

They claim the account was sold ( to XXXX XXXX ), but the charge-off and balance information do not match between bureaus which proves it is not reliable. 

No validation has been provided upon request. 

I am requesting deletion due to inaccurate and unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: IL

Complaint narrative:
Experian is reporting inaccurate and unverifiable information from multiple furnishers. They did not properly reinvestigate my disputes and continued reporting unverifiable data. 

Violations include : FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification.

FCRA 611 ( a ) ( 5 ) ( A ) Continued reporting of unverifiable information.

FCRA 602 ( A ) Not ensuring maximum accuracy.

FCRA 607 ( b ) Failure to maintain reasonable procedures for accuracy. 

I request CFPB intervention to force Experian to delete the unverifiable accounts.

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 2025-11-15 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: MD

Complaint narrative:
A fair resolution is the complete removal and blocking of the fraudulent XXXX account ending in XXXX under FCRA 1681c-2 , based on my police report ( XXXX XXXXXXXX ). 
All negative information including late payments, charge-offs, or any collection coding must be permanently deleted and prevented from future reinsertion. 
XXXX must also cease all reporting, verification, and collection activity related to this identity-theft account.

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 2025-11-15 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: MD

Complaint narrative:
A fair resolution is the complete removal and blocking of the fraudulent XXXX account ending in XXXX under FCRA 1681c-2 , based on my police report ( XXXX XXXXXXXX ). 
All negative information including late payments, charge-offs, or any collection coding must be permanently deleted and prevented from future reinsertion. 
SYNCB must also cease all reporting, verification, and collection activity related to this identity-theft account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: OK

Complaint narrative:
I recently reviewed my credit report and found fraudulent accounts please remove its hurting my ability to obtain credit

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 2025-11-15 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because Experian is reporting several items about me that are inaccurate, inconsistent, incomplete, and unverifiable in violation of the Fair Credit Reporting Act ( FCRA ), including sections 602, 607 ( b ), 609, 611, and 623. 
Experian is reporting a XXXX XXXX XXXX with inconsistent, incomplete, and unclear information. The court name, reference number, and identifiers do not match standard public record formatting. There are also discrepancies in how the bankruptcy details are presented. In order to legally verify a XXXX, Experian is required to obtain and maintain the actual PACER court record, including the full petition, docket information, correct reference number, court jurisdiction, and verified identifying information. The reporting contains inconsistencies that indicate the bankruptcy has not been properly verified. I am requesting a full reinvestigation and removal if Experian can not provide documented proof directly from the court. 
Experian is also reporting a repossession and charge-off from XXXX XXXX that contains multiple inconsistencies. The balance, high balance, date opened, date of last activity, and payment history shown in XXXX file do not match reporting requirements under XXXX XXXX and FCRA accuracy standards. To verify a repossession and charge-off, the furnisher must provide the original contract, full payment history, repossession order, notice of intent to sell, sale documents, calculation of any deficiency balance, and proof of the correct date of first delinquency. If Experian does not obtain and review these documents, the account can not be considered verified. I request a complete reinvestigation and removal of this account if full documentation is not produced. 
Experian is also reporting incorrect personal information, including names that do not belong to me, variations of my name that I have never used, and outdated or incorrect addresses. Experian is required to maintain maximum possible accuracy and remove any name, address, or employer information that is not directly tied to a verified credit account. 
I already requested several times for Experian to Conduct a full reinvestigation of the bankruptcy, including obtaining the actual PACER documents. 
Conduct a full reinvestigation of the XXXX XXXX account and require complete documentation from the furnisher. 
Remove or correct any inaccurate names, addresses, and employer information. 
Provide a detailed explanation of how each reinvestigated item was verified. 
Delete any item that can not be fully documented through original source records.

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 2025-11-15 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Previously under complaint : XXXX According to XXXX XXXX XXXX XXXX  PLEASE BE ADVISED THAT ACCOUNT INCLUDED IN XXXX  DOES NOT REPORT ANY LATE PAYMENTS. HISTORICAL ACCOUNT INFORMATION WAS UPDATED ON THIS ACCOUNT THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACCOUNT HISTORY, HISTORICAL ACCOUNT INFORMATION Public Record : XXXX  A DISMISSED/DISCHARGED XXXX XXXX XXXX  REMAINS ON THE CREDIT FILE FOR XXXX YEARS FROM THE DATE FILED. HELLO, I DON'T RECALL a XXXX XXXX XXXX UNLESS THEY MEAN IN XXXX??? IF SO XXXX would have been the XXXX year mark for this to have been removed from my CREDIT report. The attached clearly indicates I had a XXXX  XXXX whose last payment was made in XX/XX/XXXX XXXX years later and still this erroneous information OF A XXXX XXXX versus XXXX  XXXX which requires this information to be TOTALLY removed because it is inaccurate! XXXX  AGAIN The information is wrong/INACCURATE THEREFORE IT MUST BE REMOVED OFF MY REPORT 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 explanation
Consumer complaint received 2025-11-15 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: PA

Complaint narrative:
I am filing this complaint because TransUnion, Equifax, and Experian are reporting information that is inaccurate, incomplete, and/or unverifiable, and they have failed to properly investigate my disputes as required under the Fair Credit Reporting Act ( FCRA ). 
I submitted disputes to each credit bureau regarding inaccurate information on my credit file. The bureaus either : Verified the information without providing any method of verification ; Failed to conduct a reasonable investigation ; Continued reporting information that can not be validated ; or Failed to remove or correct the disputed information within the required time period. 
Under the FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.

Under FCRA 611 ( 15 U.S.C. 1681i ), if a consumer disputes information, the bureau must : Conduct a reasonable investigation, Delete or correct any information that can not be verified, Provide the consumer with the results, and Complete the process within 30 days.

Under FCRA ( 15 U.S.C 1681b ), A consumer reporting agency may only furnish a consumer report under specific legally allowed purposes. A CRA may provide a report when the consumer authorizes it in writing.

If the furnisher or bureau can not verify the information, it must be deleted. Continuing to report unverifiable information is a violation of the FCRA.

The disputed information being reported about me is inaccurate and has not been validated, yet the bureaus continue to report it. I am requesting CFPB assistance to require TransUnion, Equifax, and Experian to comply with FCRA requirements, properly investigate the dispute, and remove any inaccurate, incomplete, or unverifiable information. 

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