vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My XXXX credit card was closed involuntarily on XX/XX/XXXX. I was informed by Wells Fargo via a letter that the account was closed as my credit card account no longer meets its lending requirements based on a suspicious payment or account activity, or money that it could not collect. This happened from my two payment attempts to pay the XX/XX/year> statement. The first attempt was submitted on XX/XX/XXXX ( {$2300.00} ), when the funds from my checking account had not completely posted yet. The second attempt was from an error in the XXXX mobile application, which showed that an error occurred during the payment submission. Therefore, I tried to submit another payment immediately after that. The double payments happened on XX/XX/XXXX ( {$2300.00} - twice ). This caused the fund to be pulled from my checking account two times. One payment was successful, and another one was not because I did not prepare enough funds for double payments of the balance. In both payment attempts that failed, I called Wells Fargo to inform the company about this. I was told that I will be fine as the company successfully received one payment. Given that I have informed the company about the two attempts that failed accidentally ( one from my mistake due to not having enough funds posted in my checking account, and another one from an error in the XXXX mobile application ), I do not think it is fair that my account was closed involuntarily. In addition, I have used this credit card for more than 2 years. I have never had a late payment or charge-off record. I always pay my balance 100 % every time. With that, I want the company to reopen my XXXX credit card 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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am writing to file a complaint against Coinbase regarding their XXXXXXXX XXXX product. I have attempted to apply for this product multiple times, but their system consistently rejects my residential address, which is the same as my Coinbase profile and on all submitted documentation.Timeline of Events : XX/XX/year> : I opened XXXX support tickets ( XXXX and XXXX after my address was rejected during the application process. I communicated with Coinbase 's help desk, where I was advised to upload screenshots and other documentation to assist with my application. 


XX/XX/year> : I opened a third support ticket ( XXXX ) regarding the same issue. Despite verifying my identity multiple times and submitting my driver 's license and other required documents, I have yet to receive a satisfactory resolution. 

Issues Encountered : On the application screen, my middle name is spelled incorrectly, which may be contributing to the rejection of my application. 
When providing my correct home address, I receive an error message instructing me to provide a residential address, despite having lived at this address for nearly XXXX years. 

As a paying subscriber, this ongoing issue is causing me significant financial harm, as I am unable to access the benefits associated with the XXXX.I would appreciate your assistance in resolving this matter promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
Experian is inaccurately reporting a charge-off account from XXXX XXXX XXXX XXXX Acct # XXXX ). The account is listed as charged off with {$13000.00} written off, yet Experian continues to show a {$10000.00} past due balance as of XX/XX/XXXX. This is contradictory, misleading, and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( accuracy ) and 1681i ( duty to reinvestigate ). The status was last updated in XX/XX/XXXX, yet Experian continues to report balance updates without proper payment history, making the data incomplete and unverifiable.

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 2025-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
AN AUTO LOAN ACCOUNT WAS OBTAINED USING MY PERSONAL IDENTIFYING INFORMATION WITHOUT MY APPROVAL OR AUTHORIZATION. THIS COMPANY IS AN XXXX XXXX AND SHOULD HAVE VERIFIED MY AUTHORIZATION OR SHOULD OR SHOULD HAVE KNOWN THAT THIS WAS A FRAUDULENT ACCOUNT. THE ACCOUNT HAS BEEN REPORTING TO ALL MAJOR XXXX XXXX AS A REPOSSESION. AFTER REQUEST FOR ADDITIONAL DEBT VERIFICATION AND NOTICES OF FRAUDULENT ACCOUNT, THE CREDITOR HAS FAILED TO DEEM THIS ACCOUNT AS A FRAUDULENT ACCOUNT AND HAS FAILED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS ON ALL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Subject : Dispute of Credit Report Information Dear Experian Dispute Department, I am writing to formally dispute certain information contained in my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and my rights under 15 USC 1681 ( Section 604 ( a ) ( 2 ) ). The specific information I am disputing pertains to XXXX XXXX. 

Under Section 604 ( a ) ( 2 ) of the FCRA, a consumer reporting agency is prohibited from furnishing a consumer report without my written instructions. I believe that this act has been violated, as the account in question appears on my report without my consent or proper authorization. Furthermore, according to 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan in a manner that is detrimental to me as a consumer. 

I request that you investigate this matter thoroughly. Please provide me with a copy of the documentation you have on file regarding this account, including any evidence of my authorization for the reporting of this information. I also request that you remove or correct any inaccuracies related to this account in my credit report. 

In compliance with the FCRA, I expect your response within 30 days of receiving this letter. Please send me a written confirmation once the investigation has been completed, as well as an updated copy of my credit report, should any changes be made. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,

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 2025-10-01 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-01 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: WA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some discrepancies of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is vital that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. XX/XX/XXXX is not 100 % accurate. XX/XX/XXXX is not up to date. XX/XX/XXXX says Im 30 days late but does not reflect accurate on all the credit bureaus? XX/XX/XXXX says Im 30 days late on only one credit bureau? XXXX of XXXX is not fully accurate and XXXX of XXXX is not fully accurate. I would like this to be all resolved.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am disputing a debt that has appeared on my credit report. I have never been contacted about this debt, and I have no knowledge of it. 

Because I was never notified, I am requesting that it be investigated and removed from my credit report immediately in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please confirm once this has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
This is now my sixth follow-up regarding inaccurate and unauthorized information that continues to appear on my credit report despite my prior disputes. 
First, my file still reflects a late closed account with XXXX XXXX XXXX showing a balance of {$190.00}. This is inaccurate, as the account was properly managed and closed without issue. Reporting it otherwise violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers and bureaus are obligated to correct or delete any inaccurate or incomplete information. I again request that this account be updated to reflect its accurate, positive status. 
Second, my report continues to list a charge-off from XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} * *. This is misleading and harmful to my creditworthiness, as a zero-balance account should not be reported as derogatory. This practice fails to meet the standards of accuracy and fairness required under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B 15 U.S.C. 1681c-2. Since this account can not be verified as a legitimate charge-off, I am requesting its permanent deletion. 
Finally, my credit report still contains several hard inquiries that I never authorized, which violate FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were made without my consent or any permissible purpose and must be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist 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 non-monetary relief
Consumer complaint received 2025-10-01 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: UT

Complaint narrative:
I am submitting this fourth follow-up regarding multiple items on my credit report that remain inaccurate, incomplete, or unauthorized despite prior disputes. 
XXXX XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balances {$7700.00}, {$1200.00}, {$11000.00} XXXX  XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX  XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} These accounts were reported without proper verification. Some were charged off without issuance of a 1099-C, despite balances exceeding {$600.00}. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These accounts clearly fail that standard. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX These inquiries were not authorized by me. They violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 619 15 U.S.C. 1681q, and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly regulate permissible access to consumer credit reports.

Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information I believe is inaccurate or unauthorized. The bureaus are required to conduct a reasonable reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: UT

Complaint narrative:
I am submitting this fourth follow-up regarding multiple items on my credit report that remain inaccurate, incomplete, or unauthorized despite prior disputes. 
XXXX XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balances {$7700.00}, {$1200.00}, {$11000.00} XXXX  XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX  XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} These accounts were reported without proper verification. Some were charged off without issuance of a 1099-C, despite balances exceeding {$600.00}. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These accounts clearly fail that standard. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX These inquiries were not authorized by me. They violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 619 15 U.S.C. 1681q, and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly regulate permissible access to consumer credit reports.

Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information I believe is inaccurate or unauthorized. The bureaus are required to conduct a reasonable reinvestigation.

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 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
All the credit bureaus government and TransUnion themselves have been sending letters to me about. Identity theft and fraud. Because I'm going through it. We have put a credit freeze on end up purchased extra insurance for identity. Theft and fraud in case it was to happen to me {$2.00} XXXX policy. Now I'm getting to run around. I don't exist. I can't receive the money from the insurance. And even with the freeze, they allow, and let people request all my information and purchases being made and me personally can't even buy a XXXX XXXX  piece of bubblegum. This is lost my home investments. Call wife is credit bureau.Companies need to do a better job. Also, why does the government and everything claim? And XXXX XXXX XXXX XXXX XXXX XXXX  up investments or banking account information, and all that stuff because it's been idle too long.Well, if it's retirement account and you're not old enough to retire, why does there need to be movement? You wait until you're old enough to retire.Have a lot of issues with that.The government is took him a lot.Because that reason for my time in the military.

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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the collection account being reported by XXXX XXXX XXXX on my Experian credit report only. This account does not appear on Equifax or TransUnion, which raises serious concerns about the accuracy and validity of the information being reported. 

I have never received proper validation of this debt from XXXX XXXX XXXX. No original signed agreement, proof of ownership, or complete account history has been provided to me. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers must ensure that all information reported to consumer reporting agencies is accurate and not misleading. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide proper validation of a debt upon request. XXXX XXXX XXXX has failed to provide such documentation. 

Because this account is being reported inaccurately and inconsistently, and because validation has not been provided, I request that this collection be deleted from my Experian credit report immediately. 

This inaccurate reporting is causing me unfair harm to my creditworthiness and negatively impacting my ability to obtain housing, employment, and access to 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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Company : The Western Union Company Transaction Date : XX/XX/year> Transaction Amount : XXXX transactions, total {$10000.00} USD ( XXXX transactions of {$5000.00} USD each ) XXXX XXXX XXXX XXXX XXXXXXXX Service/Product Problem : Funds have been held/unavailable for pickup since XX/XX/year> due to a combination of arbitrary agent refusal and a critical system defect. 

Complaint Narrative ( Adapt and paste this into the main complaint text box ) : " I am filing this formal complaint regarding the failure of Western Union to complete XXXX critical money transfers ( XXXX XXXX XXXXXXXX / XXXX ) totaling {$10000.00} USD, initiated on XX/XX/year>. 

The transfer remains uncompleted, and the funds are held due to XXXX distinct service failures : XXXX. Uncooperative Agent Refusal : The receiving agent in XXXX XXXX XXXX XXXX XXXX XXXX refused to release the funds to the validly identified receiver ( my uncle ) despite the presentation of a valid government ID and the MTCN. The agent demanded 'proof of relationship ' between the sender and receiver, a requirement that is arbitrary and explicitly unsupported by standard Western Union XXXX pickup protocol. This resulted in the initial failure. 

XXXX. Critical System Defect & Failed Support : Following the agent 's request to correct the receiver 's name ( to add a fourth name ), I discovered a critical technical defect : the Western Union online interface can not accept a space in the middle name field. This prevents the necessary correction to accurately match the receiver 's identification, rendering the transaction impossible to update as requested. Customer Care and the agent provided no solution or workaround for this system failure. 

XXXX. Failed Escalation & Missed Deadline : My formal complaint to Western Union Customer Relations/Compliance ( filed XX/XX/year> ) and subsequent intervention tickets ( Nos : XXXX, XXXX ) resulted only in contradictory and unhelpful generic responses. Furthermore, a Western Union representative promised a resolution within XXXX hours, but that deadline has expired ( as of XX/XX/year> ) with no action taken.

Company response to consumer: Closed with explanation