vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I started banking with Truist in XX/XX/year> all was fine until now when i deposited my tax refund check ( which was mailed to me for some reason and not direct deposited ) on XXXX ; on XXXX. I went in to the branch and spoke with the Team lead/vice president of the branch and she was able to release my funds as she verified that the money had been received and cleared ( as it is a government check ). That same day my funds were frozen for suspicious fraudulent activity. I have been calling for days for my funds to be released and i have been given so many different responses I don't know what is the truth. It seems that an analyst has to verify whatever to press the button and release my funds but seems as though they can not at the same time. I have close to $ XXXX held XXXX by Truist for no reason and on top of that they decided to close my account. ( GREAT! ) they are horrible on all levels! from the highest to the lowest rep.. they have no customer service skills/experience and no sympathy. Their response is, " I am sorry, there is nothing I can do '' This bank and its CEO should close down and he should be jailed for holding clients money while he is making over {$3.00} XXXX a year! I truly need help in getting my money ASAP

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 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I am writing to report a persistent issue with the lock/unlock feature for my Coinbase debit card, which Ive observed on both the Coinbase XXXX app and your website. When I toggle the card to " locked '' within the app or website, the interface initially shows the card as locked. However, upon reloading the page or app, the card appears as " unlocked '' again. This discrepancy is concerning, as it suggests the lock function is not working as intended, potentially exposing my account to unauthorized transactions. 

Ive replicated this issue multiple times across different sessions, ensuring my app and browser are up to date and my internet connection is stable. The problem persists regardless of whether I access my account from my XXXX device or a computer. This inconsistency undermines my confidence in the security of my card and account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company XXXX and XXXX XXXX lost a court case and the final court judgement stated all previous fees were dismissed. Dispite my sending this information to Experian and XXXX they continue to report that the case was a write off and I paid less than the amount owed. I didn't pay anything and the case was dimissed and they lost the case. The final judgement states Defendants, XXXX and XXXX XXXX agree to waive any remaining balance and Plaintiff agrees to dismiss the case. They state on my credit reports this is a charge off with a remaining balance of XXXX dollars. The credit bureas also continue to report this past the 7 year limit. This began in XXXX the court case was settled in XXXX. They stated they will continue to report this until XXXX which will be 13 years from the XXXX date. XXXX XXXX stated they have informed all three credit bureas I do not owe them anything. Companies are XXXX, Experian and XXXX keeping my credit score low. Thank You for you help

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 2025-04-14 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 HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I took a 10-minute XXXX ride in XXXX XXXX XXXXXXXX on XX/XX/year>. I agreed to pay the merchant {$30.00} for using his service. I tapped my card on his XXXX reader. He took the reader away from me, tapped a few buttons and went on his way. When I got the receipt, I found that he had charged me {$300.00}, plus NY state tax and an exorbitant tip I did not give, for a grand total of {$470.00}. Obviously, I was furious and immediately reported the fraud to Wells Fargo. Wells Fargo closed my old card and got me a new one, and I thought that was that. I assumed the charge would be reversed. ( You have to believe that I wouldn't agree to pay almost {$500.00} for a ten-minute XXXX ride! ) Two weeks later, I found that the fraudulent charge was still in my Wells account, so I called to find out why. Wells claimed that it " wasn't fraud '' because my chip was used and chips can't be counterfeited, so my claim was denied. So I tried to dispute the claim instead, at which Wells informed me that because the charge in my account was the same as the amount on my receipt that they would not be disputing the charge. 

Unfortunately, that still leaves me with the problem of having been fraudulently charged almost {$500.00} for a service I only knowingly agreed to pay {$30.00} for, and I'm astonished that my credit card issuer is refusing to do anything to help me. I have had one past instance of fraud and have seen several across folks in my family, and I have never seen any of us have to argue with Wells or XXXX, or have to " prove '' anything -- charges have always been immediately reversed without question. I'm outraged. I have spent days going in circles with Wells Fargo, XXXX, and XXXX trying to get someone somewhere to refund the amount that was stolen from me, but no one will help. XXXX says I have to file a dispute. XXXX won't give me any information, as they claim it has to go through my card-issuing bank. And Wells has shut me down two or three times now. I spoke in person with a Wells agent who tried to help me ( she was on my side ) and the agent on the other end of the phone told her the same thing. According to Wells Fargo, this was not fraud, and also, it's impossible to dispute. ( Shocking, right? ) I desperately need the money that was taken from me, and I'm incredibly frustrated not to have gotten the protection I thought I was afforded by my associated companies. No one seems to care that the signature on the receipt I was sent wasn't mine and that I can prove with photos I wasn't in the location the receipt claims I was ( further backing up my assertion of fraud ). I'm out of things to try. Please help.

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 2025-04-14 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am formally disputing the accuracy of the following student loan account reported under the XXXX servicer. Please find the identifying details below : Account Number ( Last 4 ) : XXXX Date Opened : XX/XX/year> Reported Balance : {$2600.00} Reporting Bureaus : TransUnion, Experian, Equifax Identified Compliance Issues : Conflicting statuses deferment on one bureau, 'pays as agreed ' on another. 
Late payment marks while the account is reported current. 
Account may be a duplicate of XXXX or XXXX. 

These reporting errors violate Metro 2 data standards and the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611. I request a full reinvestigation of this tradeline. If the information can not be verified and corrected in full, I request its deletion. 
Please provide a response and an updated copy of my credit report within 30 days.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am formally disputing the accuracy of the following student loan account reported under the XXXX servicer. Please find the identifying details below : Account Number ( Last 4 ) : XXXX Date Opened : XX/XX/year> Reported Balance : {$2100.00} Identified Compliance Issues : Incorrect status as 'Indeterminate '. 
Payment activity is reported inconsistently. 
30-day late payments appear during deferment periods. 

These reporting errors violate Metro 2 data standards and the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611. I request a full reinvestigation of this tradeline. If the information can not be verified and corrected in full, I request its deletion. 
Please provide a response and an updated copy of my credit report within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: SC

Complaint narrative:
Experian has been reporting late payments on these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts I spoke with the representative from XXXX XXXX XXXX XXXX XXXX XXXX  ; they have removed the late payment on my accounts. XXXX has sent over a letter of me being late 1 time. Experian will not correct the inaccuracy and will not remove the collection off my credit report. I explained that XXXX and XXXX removed the collection XXXX XXXX. I disputed the accounts on XXXX XXXX with this letter enclosed To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the charge-off/collection account referenced in my credit file. This dispute is submitted in accordance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ).

1. Debt Validation Request ( 15 U.S. Code 1692g ) Pursuant to 15 U.S. Code 1692g, I am requesting full validation of this debt, including : A complete itemization of the alleged debt. 

A copy of the original agreement bearing my signature. 

Documentation proving your legal authority to collect this debt.

Proof that this debt is within the statute of limitations for collection.

2. Accuracy of Credit Reporting ( 15 U.S. Code 1681e ( b ) ) Under 15 U.S. Code 1681e ( b ), the credit reporting agencies and furnishers must ensure maximum possible accuracy in reporting. If you can not provide verified and accurate documentation from the original creditor, you must request its removal from my credit report.

3. Prohibition of Unauthorized Communication ( 15 U.S. Code 1692c ) I hereby request that all communication regarding this matter be conducted in writing. Any further phone calls may be considered harassment under 15 U.S. Code 1692c.

4. Right to Rescind ( 15 U.S. Code 1635 ) [ If applicable ] If this debt pertains to a credit agreement covered under the Truth in Lending Act, I reserve my right to rescind under 15 U.S. Code 1635, if applicable.

5. Request for Removal Under Section 611 ( a ) of the FCRA If you can not validate this debt with proper documentation from the original creditor, I respectfully request its removal from my credit report in accordance with 15 U.S. Code 1681i ( FCRA Section 611 ( a ) ). Failure to verify the accuracy of this account requires immediate deletion.

If this matter is not resolved promptly, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Please respond to this dispute in writing within 30 days.

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 2025-04-14 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:
Experian again for the fifth time you stalling I got e mail with no reference number or any type of identifying features<this is a lot of XXXX XXXX XXXX from you enclosed is your email tell me what dispute this is for through the CFPB you refuse to answer the phones to consumers I call for about 2 hours and nothing you hang up

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 2025-04-14 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info. 
15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Only the name XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXX XXXX XXXX, XXXXXXXX XXXX. Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. In the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. Based on The Electronic Communications Privacy Act ( ECPA ) of 1986 and The Privacy Act of 1974, 5 U.S.C. 552a, is it my right to protect my private personal information from being furnished to the public. The phone number social security and birthdate fields must be blank. I revoked any and all consent given too this company. Remove this information

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 2025-04-14 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: IA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-14 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: IL

Complaint narrative:
I DO RECOGNIZE THESE ADDRESSES O MY ACOUNT, PLEASE REMOVE THEM. THANK You

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Chime Financial Inc
State: CT

Complaint narrative:
I am reaching out regarding a debt of {$2100.00} that recently appeared on my XXXX XXXX report, which is reported by TransUnion. I have no knowledge of this debt or its origin. I previously filed a dispute through the appropriate channels, but the dispute was denied without a clear explanation. 
Since then, I have contacted TransUnion multiple times, but the support process has gone in circles. I have been repeatedly told to file a dispute which I have already done and then was told to submit a XXXX form, which I also completed. Still, I have not received any meaningful help or resolution. 
At this point, I was directed to the Consumer Financial Protection Bureau ( CFPB ) for further assistance, which is why I am submitting this complaint now. I am simply seeking clarity and a fair review of this matter, as this account does not belong to me and is affecting my credit unfairly. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
The late payments reported on my account are inaccurate on all three credit bureaus reports. 15 U.S.C. 1681i ( FCRA ) this company failed to properly investigate or remove the inaccurate late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: PA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation