vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter serves as written confirmation that I, XXXX XXXX, authorize the submission of this complaint and formally request the XXXX assistance in addressing the fraudulent reporting and mishandling of multiple accounts on my credit file by the major credit reporting agencies, with specific focus on TRANSUNION, EXPERIAN AND EQUIFAX VIOLATION OF THE FCRA. 

The following accounts are being reported fraudulently and opened in my name and confirmed in my official report. Dept. of the Treasury AccountXXXX 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 XXXXXXXX XXXX XXXX Fraud Began : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Police Report Filed : Report # XXXX Dated XXXX XXXX Police Report Discovered : XXXX In ALL cases, I submitted all required documentation, including : Valid Government-issued identification Proof of current address Despite full compliance with FCRA 605B, these items remain on my reports. The agencies involved have failed to : Block and remove the fraudulent data as required by law Conduct reasonable reinvestigations ( FCRA 1681i ) Validate the accounts or inquiries ( FCRA 604 ( a ) ) Prevent duplicate or erroneous listings ( FCRA 1681e ( b ) ) These accounts have caused serious and ongoing harm to my credit, disrupted my access to financial resources, and subjected me to undue distress. The fraudulent nature of these accounts is clearly outlined in my dispute documentation and highlighted in red. Requested Resolution : Permanent deletion of all accounts from all credit reports. Written confirmation of full removal and assurance against reinsertion. A {$12000.00} for each inaccurate item reported and not deleted within XXXX business days pursuant to the FCRA AND monetary resolution for damages caused by negligent reporting, repeated noncompliance, and FCRA violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
CFPB Complaint Copy/Paste Narrative Issue : Bank account was compromised ; unauthorized internal transfers and descriptor suppression ; protected-benefit routing interference ; refusal to investigate ; overdraft fees charged after depletion ; forced hardship loans to pay rent. 

Institution : Navy Federal Credit Union ( NFCU ) Account : EveryDay Checking XXXX ( XXXX XXXX XXXX account ) Timeline ( high level ) : XX/XX/XXXX XXXX XXXX : I repeatedly reported my account compromised and requested an audit. NFCU declined or said nothing was wrong while funds continued to drain. 
XXXX XXXX : XXXX headers show sharp decline despite significant deposits ( XXXX ending {$27000.00}, XXXX ending {$7600.00} ). 
XX/XX/XXXX onward : Transfer descriptors began omitting source XXXX ( to shares/ from shares ), preventing traceability. 
XX/XX/XXXX : Bank represented an aggregate balance inconsistent with actual deposits ( e.g., {$13000.00} across accounts despite {$4900.00} monthly income and a {$13000.00} refund posted in early XXXX ). 
Sept 3, 2025 : ETF confirms Navy Federal electronically updated my deposit account number ; I was not the one who provided that change to ETF.

Overdraft fees were assessed after depletion caused by unauthorized activity/failed security.

Requested resolution : 1. Restitution {$79000.00} ; 2 ) Full overdraft fee refunds ; 3 ) Reimburse {$2800.00} loan principal + finance charges ; 4 ) Provide full audit logs and routing-change records ; 5 ) Correct any credit reporting. 

Attachments : ETF emails ( routing change acknowledged XXXX ; change on XX/XX/XXXX ) XXXX headers XXXX XXXX ( balances & totals ) Screens of descriptor suppression and transfer pattern XXXX  rent-funding screenshots ( payments, arrears ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelson Cruz & Associates LLC
State: OH

Complaint narrative:
I filed bankruptcy iXXXX XXXX XXXX XXXX XXXXankruptcy was XXXX. It is now XXXX and there are creditors that are still trying to report items on my credit as late or delinquent and included in a bankruptcy that has been XXXX for years. I would like the bankruptcy removed from all three of my credit bureaus as I have not filed since XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
Here is the summary of my issue : I have some bitcoin in my Coinbase XXXX account. In order to access the funds, I need to give authorization from two email addresses, which were given by me at the time of XXXX  creation. The problem Im having is that when I try to make a withdrawal, I am not getting the authorization email from Coinbase to one of the two aforementioned email addresses. This results in the transaction getting canceled due to my inability to click the approval link in that secondary email - because the email never arrives. ( I do have access to that email address and I called my email provider, but they were unable to help. ) There is no way to change that secondary email via the Coinbase app, and my funds are stuck until Customer Support moves the funds on my behalf from my Coinbase XXXX to my Coinbase Wallet. 

In order to fix this, I called support and was assigned ticket # XXXX on XX/XX/year>. 

After being put on hold for several minutes, I was told they would make a transfer of all funds out of my current XXXX  account to my base wallet account per my request. 

The ticket was closed. 

I followed up with second call to support on XX/XX/year> and got ticket # XXXX : After being put on hold for several minutes, I was told to wait for an email once funds are transferred from the XXXX  to my Coinbase wallet. Ticket was closed. 

I followed up with a third call to support and got ticket # XXXX on XX/XX/year> : After being put on hold for several minutes again, I was told that the issue has been escalated and to call back later. Ticket was closed. 

I followed up with a fourth call to support and got ticket # XXXX on XX/XX/year> : Again I was put on hold for several minutes and was told to call back. Ticket was closed. 

I followed up with a fifth call to support and got ticket # XXXX on XX/XX/year> : I was not on hold for as long this time, but I was again told that the issue was escalated and to look for an email in about a week maybe. Ticket was closed. 

After seeing hundreds of complaints for similar and other issues, I am skeptical of getting help anytime soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 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: MA

Complaint narrative:
We had the agreement that they will delete the late payments off my credit report, which was never done. XX/XX/year> XX/XX/year> are the dates that was suppose to be deleted when I called to the representative.

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 2025-11-08 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: MA

Complaint narrative:
We had the agreement that they will delete the late payments off my credit report, which was never done. XX/XX/year> XX/XX/year> are the dates that was suppose to be deleted when I called to the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I received a notification from the financial institution Intuit Credit Karma regarding a large transaction being attempted on my spend account. I immediately went into my account and saw a declined transaction for {$650.00} from nordichome HK. I have no knowledge of this company and did not authorize this transaction so I immediately locked my virtual and physical debit card. Several minutes after I locked the card Credit Karma allowed the transaction to go through for {$650.00}. I immediately sent an email and called Credit Karma. The first rep told me the charge was on hold and could not be disputed but would be put back into my account within XXXX business days. I requested a supervisor call me back on XXXX. The next day XXXX Credit Karma allowed the transaction to fully process and then charged me {$6.00} for an international card fee. I filed a dispute and advised I have no knowledge of this transaction after researching the name of this company. I was unable to find any information pertaining to this company XXXX XXXX I called Credit Karma and requested another supervisor call me back on XXXX. I was then told that my dispute was denied because I authorized the transaction. I filed an appeal with Credit Karma which was ultimately denied again and they sent a document showing IP and device information. I do not know how they expect me to verify if that information is even valid. I filed another appeal and requested again a supervisor to call me back. I sent screenshots from Credit Karma from several dates in XXXX that show my account was logged into from another device and that I changed my password. They are not providing any information on the company that I supposedly authorized this transaction to and a supervisor will not call me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: NJ

Complaint narrative:
On XXXX ( Equifax ) and XXXX ( Experian & TransUnion ) I received my credit reports. A detailed review revealed 13 material errors that violate the Fair Credit Reporting Act ( FCRA ), the XXXX Metro2 reporting standard, the Fair Debt Collection Practices Act ( FDCPA ), and the consumerprotection provisions of the CARESAct related to COVID19era forbearance. 

Balance mismatch : XXXX. XXXX XXXX XXXX ( Acct # XXXX XXXXXXXX ) Equifax/Experian report {$15.00} balance ; Experian also shows {$34.00}. The correct balance is {$15.00}. 

Potential FDCPA violation : XXXX. The XXXX Dispute Resolution address ( XXXX XXXX  ) that appears on the XXXX file XXXXay be a thirdparty debt collector. Under the FDCPA a collector must provide a written validation notice and may not hide a consumers ongoing dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX held that failure to communicate a dispute can constitute an FDCPA violation. 

CARESAct / COVID19 Forbearance Issue : 10. Four of the accounts listed above ( XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX ) entered a COVID19related forbearance/repaymentdeferral in XXXX under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( see 12U.S.C.1104111045 and the Consolidated Appropriations Act, XXXX, XXXX ). 

When a borrower is approved for a CARESAct forbearance, the servicer is required to treat the account as current and must not report a latepayment or delinquency during the forbearance period ( CFPB guidance, COVID19 Forbearance and Credit Reporting, XXXX  ). 
The highcredit figures and the occasional latepayment notations on the above accounts were generated while the accounts were formally in COVID19 forbearance, meaning the reported delinquency status is inaccurate and unlawful. 
Because the forbearance was authorized by federal law, any latepayment or pastdue notations should have been removed ; their presence violates FCRA 1681c2 ( a ) and the CARESAct consumerprotection provisions. 

Legal authority supporting the complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX ( Equifax ) and XXXX ( Experian & TransUnion ) I received my credit reports. A detailed review revealed 13 material errors that violate the Fair Credit Reporting Act ( FCRA ), the XXXX Metro2 reporting standard, the Fair Debt Collection Practices Act ( FDCPA ), and the consumerprotection provisions of the CARESAct related to COVID19era forbearance. 

Balance mismatch : XXXX. XXXX XXXX XXXX ( Acct # XXXX XXXXXXXX ) Equifax/Experian report {$15.00} balance ; Experian also shows {$34.00}. The correct balance is {$15.00}. 

Potential FDCPA violation : XXXX. The XXXX Dispute Resolution address ( XXXX XXXX  ) that appears on the XXXX file XXXXay be a thirdparty debt collector. Under the FDCPA a collector must provide a written validation notice and may not hide a consumers ongoing dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX held that failure to communicate a dispute can constitute an FDCPA violation. 

CARESAct / COVID19 Forbearance Issue : 10. Four of the accounts listed above ( XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX ) entered a COVID19related forbearance/repaymentdeferral in XXXX under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( see 12U.S.C.1104111045 and the Consolidated Appropriations Act, XXXX, XXXX ). 

When a borrower is approved for a CARESAct forbearance, the servicer is required to treat the account as current and must not report a latepayment or delinquency during the forbearance period ( CFPB guidance, COVID19 Forbearance and Credit Reporting, XXXX  ). 
The highcredit figures and the occasional latepayment notations on the above accounts were generated while the accounts were formally in COVID19 forbearance, meaning the reported delinquency status is inaccurate and unlawful. 
Because the forbearance was authorized by federal law, any latepayment or pastdue notations should have been removed ; their presence violates FCRA 1681c2 ( a ) and the CARESAct consumerprotection provisions. 

Legal authority supporting the complaint

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Subject : Complaint against Capital One - Persistent " Access Denied '' error preventing account access and payment Company : Capital One Product : Credit card ( Secured Credit Card ) Issue : Problems managing, opening, or closing an account What happened? 

I opened a Capital One Secured Credit Card approximately three months ago ( around XX/XX/year> ). Since the day my account was opened, I have been completely unable to access my online account to manage my card or pay my bill. 

Every single time I try to log in, the website loads and then gives me an error message stating, " Access Denied. Try again later. '' I have made numerous attempts to resolve this with Capital One support, including : Multiple Password Resets : I have reset my password multiple times with the help of support representatives. This has never fixed the problem. 

Trying Different Devices : I have tried to log in on different computers. 

Trying Different Locations : I recently moved and have tried to log in from two different states. The " Access Denied '' error is persistent everywhere.

Because I am completely locked out of my account, I have no way to view my statements or make a payment online. This technical failure on Capital One 's part has now caused my account to become delinquent. I moved last month to XXXX, WV I can't even get my statements not that I got them in XXXX, MD I am now receiving harassing collections calls from representatives demanding payment for a bill that I am actively trying to pay. It is an impossible and abusive situation where one part of the company is demanding money while another part of the company is technically preventing me from paying. 

This secured card was supposed to help me build my credit, but Capital One 's system failure is now actively destroying it. I before I got this card I raised my credit scores XXXX points and now theyre back down XXXX points. 

I'm XXXX since I was XXXX and I have trouble using phones, this is just utter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a security alert from Chase for my doordash rewards credit card on XX/XX/year> at XXXX a.m. eastern time that my account was logged in with a new device which was an XXXX. I only have an Android and I was asleep at that time. Once I saw the alert I logged into my account I was able to remove that device and then I immediately reset my password and I contacted Chase. They looked at the account and they said they were going to send me a new card. I received a new card in the mail and on XX/XX/XXXX I used the card to purchase tacos from XXXX town over and I went and picked up my order and everything was fine. A few days later I went to log into my account so I could pay my bill as I like to keep the balances XXXX and I was locked out of my account. It said to call Chase. So I called them and they couldn't give me any information they said the fraud team would call me and I waited and nobody called. I was able to get a hold of them today XX/XX/XXXX and they told me there was a verification process I had to go through so they asked me to personal questions which I answered correctly and then they told me they couldn't verify me and they hung up on me they didn't even give me a chance to ask what is going on with my account or why it is closed. I don't want this to affect my credit report if they had closed out my account since I have not done anything wrong I have always used that card somebody logged into my account and I did everything correctly I reset my password I reached out to them and they closed my account for unusual activity I don't know if it's related to that I don't know why they didn't just do that to begin with but I don't want this to affect my credit I feel like I am being punished for something that I didn't do. They aren't very helpful they don't even let you get the information you need they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PLAID INC.
State: VT

Complaint narrative:
Hi there, Thank you for your help. I'll try to make this logical and concise. I've been caught in a loop where money transfer companies are all pointing the finger at each other, and will not help me, the consumer. 

The problem : I am attempting to make a cash payment to a XXXX for my company. I make this payment every month using the companies listed below. This month, brand new, the companies will not connect my bank account. The companies will not tell me the specific problem, they won't give me any detail, I only get a generic " oops something went wrong '' message, and they're all accusing each other of being at fault. 

As a customer, I have no more moves I can make and I don't know what to do. 

The companies : XXXX XXXX  -- this is my bank XXXX is a money transfer service. It takes money from my bank and sends it to my contractor. I use XXXX because it allows easy international payments, and my contractor lives in the XXXX. 

Plaid-this is the intermediate connection software that links XXXX XXXX  XXXX XXXX, so far as I understand it. 

What happens : XXXX gives me a message that my XXXX XXXX  account has been disconnected and needs to be reconnected. Every attempt I make results in the same generic, no detail message " an error occurred. '' I have been on chats with XXXX, and on the phone with XXXX. XXXX tells me there's no problem at XXXX. XXXX tells me there's no problem at XXXX. Each company points the finger at the other and tells me to talk to them. They won't listen when I try to explain that I've done everything I can -- I'm just a guy, not a programmer or employee. I don't know what else to do. 

I can not even contact Plaid as a company because they will not allow direct customer contact. They have an AI, they won't let you talk to a human, and they do not accept support tickets. They tell me I have to get XXXX to do this, but XXXX is unwilling to respond to me. 

I'm sorry if this is all confusing. I'm a reasonable guy, organized, and trying to do my best, but this is a nightmare. 

The resolution I'd like : I only want the companies to solve this problem and talk to me so I can make my transaction. I don't want to punish anyone. But without help from someone like the CFPB to force them, they won't voluntarily help me. 

I can provide you with more details at your request. You are welcome to call me by phone, too, at XXXX. 

To whoever reads this, XXXX  thank you XXXX. You can't know how grateful I am to have a real human pay attention. 

The attached screenshot showing a generic " something went wrong '' from Plaid is the ONLY error message or " documentation '' that has been displayed to me. 

Best wishes, XXXX XXXX NOTE!! ! -CFPB 's online portal does NOT allow me to select MORE THAN ONE company to complain about. I could only select one, Plaid. But I am complaining about XXXX and XXXX XXXX, too. This is a connected problem.

Company response to consumer: Closed with explanation