vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Coinbase locked me out of my account, stating : Locked for your protection due to potentially unusual activity.

I successfully reset my password, but Im stuck in an endless loop. When I try to log in, Im shown the locked account page again and told to contact support. But the only options Coinbase offers require logging in which I can not do. 

Phone support ( XXXX and XXXX ) automatically hangs up after telling me to go online. The chatbot requires login access to proceed. The support pages that claim to offer forms to submit identity verification are either dead links or redirect me back to login. 

I am the rightful owner of the account. I am requesting that Coinbase review my account manually, unlock it, and allow me to verify my identity so I can regain access. I am currently unable to reach any human support, and my funds are inaccessible. This situation is unacceptable and urgent. In the postscript of this letter is a list of all the navigation I did in in the app and all the dead ends the app gave me. 

XXXX XXXX Post Script : Here are all the attempts I made to unlock my account Coinbase app : login> locked for your protection - due ot potentially unusual activity, weve temporarily locked your coinbase account. To regain access, contact support.> contact support> [ redirects to help.coinbase.com ] > select unable to sign in> sent to page, cant access your account and the options are : suspicious activity : learn more or connect with support : get support ; I select get support ; Im told lets get started and choose radio buttons : account support, account access, and unlock account. I am told to unlock your account, enter your credentials in sign in page and complete your identity verification. In the absence of an identity verification prompt, proceed to contact your support team. There is another option to click on this page, which is cant complete identity verification? and I am given the phone number XXXX or XXXX ; for XXXX, its XXXX. I call the US number and it tells me to use the website and hangs up on me. I click the chat bot and it it says, please sign in to get started. The options are sign in for support and cant access account. I select cant access account and it says, cant sign in? Use the connect with support form to reach an agent or view troubleshooting tips. I select the connect with support and am looped back to a page, cant access your account, so this time I select sign in for support but am looped back to contact support and when I log in, I am looped back to the your account is locked page, so this time I selected log out so I signed in again and was shown a wheel of death so I refreshed the page after 2 minutes and was sent to the page locked for your protection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, money was sent via XXXX XXXX to an unknown recipient. I received nothing in return and my money was simply stolen. Ive contacted Remitly about this more than once. They failed to respond until I filed a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-27 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-27 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
I reviewed my credit reports and found multiple accounts still being reported inaccurately. A XXXX XXXX XXXX XXXX  credit card is listed as charged off for {$760.00}, but it continues to show past due equal to the charge-off balance, which is misleading and not supported by a proper charge-off ledger. An XXXX XXXX collection for {$420.00} is reporting without any proof of assignment, chain of title, or itemized accounting from the original creditor. A XXXX XXXX XXXX collection for {$550.00} from XXXXXXXX XXXX Card is listed, yet no contract, XXXX, or balance breakdown has been provided. XXXX XXXX XXXX is also reporting a {$590.00} collection from XXXX XXXX, but it is coded as disputed, meets FCRA without supplying any documentation to substantiate the debt. In addition, my report contains several hard inquiries from XXXX and XXXX, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, but no signed authorization or proof of permissible purpose has been presented. These errors remain unresolved and are continuing to unfairly damage my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I reviewed my credit reports and found multiple accounts still being reported inaccurately. A XXXX XXXX XXXX XXXX  credit card is listed as charged off for {$760.00}, but it continues to show past due equal to the charge-off balance, which is misleading and not supported by a proper charge-off ledger. An XXXX XXXX collection for {$420.00} is reporting without any proof of assignment, chain of title, or itemized accounting from the original creditor. A XXXX XXXX XXXX collection for {$550.00} from XXXXXXXX XXXX Card is listed, yet no contract, XXXX, or balance breakdown has been provided. XXXX XXXX XXXX is also reporting a {$590.00} collection from XXXX XXXX, but it is coded as disputed, meets FCRA without supplying any documentation to substantiate the debt. In addition, my report contains several hard inquiries from XXXX and XXXX, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, but no signed authorization or proof of permissible purpose has been presented. These errors remain unresolved and are continuing to unfairly damage my credit profile.

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 2025-08-27 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I received a margin call from my brokerage requiring funds to be wired before close of business the same day. I held sufficient funds in my PayPal account and initiated a {$1500.00} transfer to my XXXX XXXX  account. Immediately after submitting the transfer, PayPal notified me that the funds would be held for 24 hours for review. I called PayPal support the same day and was informed the transaction could not be cancelled and no escalation path existed. I have a call transcript and recording from XX/XX/year> in which a PayPal representative confirms there is nothing they can do for a pending transaction. This statement corroborates the absence of any escalation process and PayPals refusal to expedite or reverse the transfer despite the timecritical nature of the transaction. As a result, I was unable to meet the brokerage deadline, causing unnecessary financial hardship and the forced liquidation of assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or around XXXX, I filed a complaint with the CFPB regarding XXXX XXXX restriction of my XXXX access. Following the complaint, Wells Fargo restored my XXXX access, which I used for legitimate transactions in compliance with their XXXX XXXX XXXX Addendum. However, on XX/XX/year>, approximately XXXX weeks later, Wells Fargo restricted my XXXX access again, preventing me from sending or receiving payments. 
When I contacted Wells Fargo customer service ( XXXX ) on XXXX XXXX, I was informed that the restriction was due to suspected fraud. No specific details, evidence, or examples of fraudulent activity were provided. I have reviewed my account and found no transactions or activities that violate XXXX XXXX terms or suggest fraud. 
This repeated restriction, especially after XXXX prior intervention, is causing significant financial inconvenience, as I rely on XXXX for business transactions. I am concerned that XXXX XXXX actions may be unjustified, potentially retaliatory.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In response to my earlier CFPB complaint Ref. No. XXXX, I have received responses from Comenity Bank XXXX XX/XX/year> ( please see letters attached ) indicating as follows : " Weve reviewed your concerns. XXXX XXXX employs a set of business rules designed to determine whether a card can be provisioned to a digital wallet on a device ( e.g., XXXX XXXX on an XXXX ). These rules may result in approval, decline, or require step-up authentication based on specific criteria. In recent weeks, multiple provisioning attempts involving the XXXX XXXX were declined. These outcomes are consistent with the established business logic and reflect the system functioning as intended. You will need to reach out to XXXX XXXX for assistance at https : //support.apple.com/apple-pay. ", as well as, as follows : " Weve reviewed your concerns. XXXX XXXX employs a set of business rules designed to determine whether a card can be provisioned to a digital wallet on a device ( e.g., XXXX XXXX on an XXXX ). These rules may result in approval, decline, or require step-up authentication based on specific criteria. In recent weeks, multiple provisioning attempts involving the XXXX XXXX XXXX were declined. The last attempt involving the XXXX XXXX XXXX XXXX  was on XX/XX/year>. These outcomes are consistent with the established business logic and reflect the system functioning as intended. You will need to reach out to XXXX XXXX for assistance at XXXX XXXX XXXX '' I have reached out to XXXX XXXX  for assistance at XXXX : XXXX, and have received the following responses, published at XXXX : XXXX : " Contact your bank or card issuer if you see the following error messages while adding your card to Apple Wallet : Could Not Add Card '', as well as, " XXXX does not approve or decline cards for use with Apple Pay. If your card was declined, contact your bank or card issuer. '' Accordingly, I am again contacting Comenity Bank, the issuer of my Comenity credit cards, as per the responses that I have received from XXXX XXXX  Support. As the previous response from Comenity Bank was very vague and generic and didn't provide any specific reasons as to why all my Comenity credit cards are being just flat-out declined to be added to my Apple Pay wallet ( see letters from Comenity Bank XXXX XXXX ). I am requesting specific reasons as to the specific XXXX XXXX business rules that keep on resulting in declining all Apple Pay provisioning attempts involving my XXXX XXXX Credit Card ( account ending in XXXX ), my XXXX XXXX XXXX  XXXX  ( account ending in XXXX ), and my Crypto.com Visa Signature Credit Card ( account ending in XXXX ).

Company response to consumer: Closed with explanation