vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I purchased a coinbase XXXXXXXX XXXX subscription for {$290.00}. The main benefit of this subscription is unlimited fee free trading. On XX/XX/year> however, my trading service was disabled, and on XX/XX/year>, I was told that my request for trading reinstatement was denied. I paid for XXXX month of free trading on an account where I can all of a sudden no longer trade or deposit funds. I paid for a service that I can not use. 

On XX/XX/year>, I requested a refund for my subscription but this was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts 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 non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
XX/XX/25 paid {$95.00} activation fee to start using the credit card. 
XX/XX/25 called Fit MasterCard and was advised to call them back in 24 hours to activate card. 
XXXX XXXX XXXX XXXX called Fit Mastercard to activate card as advised to do. I was read the card opening disclosures and advised I could use my credit card within the hour. 
XX/XX/25 tried to use my credit card at XXXX XXXX XXXX and card was declined twice. 
XX/XX/25 called Fit MasterCard about reasons why my card was declined and they stated I needed to try another merchant and if it continues to happen, theres something wrong with my account. 
XX/XX/25 tried using my FiT Mastercard, as advised to do on previous call to credit card company, at XXXX XXXX XXXX and declined again. 
XX/XX/25 called Fit Mastercard about card declining again. This time referred to consumer resolution XXXX only to be told to try my card again. 
XXXX XXXX XXXX XXXX  called to speak with manager and was immediately asked why. Never transferred to a manager or supervisor to resolve this issue. I was advised my card is now activated and I could use within 1 hour. 
XX/XX/25 XXXX XXXX tried to used my card again and was declined. 
XX/XX/25 called Fit Mastercard again and was advised it was 2 hours to wait.

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 2025-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have an unauthorized transaction on my bank account.Two unauthorized Transaction was made by XXXX on XX/XX/year> the amount was a big amount {$5700.00} and {$4.00}. I have told bank many times and they opened a claim and they closed a claim and said me that this a authorized transaction and told me to contact merchant to get refund I called XXXX ( XXXX ) and told them that there is a unauthorized transaction made from my account. They said give the transaction details found on transaction details of bank account as I gave them details they told me to verify whos account is that I told them this is unauthorized transaction how would I know whos account is this they said as I failed to verify that they cant give me refund and told me to contact bank. As bank customer care team are hanging up calls on me as I tell them about this unauthorized transaction. Bank is saying get the money back from XXXX and XXXX is saying get the money back from bank both of them are giving me hard time and this is my savings i cant loose that. I have even made police report on this unauthorized transaction.

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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
I XXXX HAD OPEN AN ACCOUNT WITH CHIME COOL NO PROBLEM TAX TIME CAME AND THEY CONVICED CUSTOMER TO DIRECT DEPOSIT THERE REFUNDS TO GET THEM SOONER SO I USED MY CHIME ACCOUNT FOR DIRECT DEPOSIT MY REFUND WAS XXXX I GOT A NOTICE FROM CHIME THAT TOLD ME I NEED TO CHANGE MY PASSWORD SO I DID THAT THEN ABOUT A DAY LATER I COULD NOT LOG IN FROM MY NEW DEVICE, I CONTACTED CHIME AND WAS TOLD MY ACCOUNT HAD BEEN CLOSED AND MY REFUND WOULD BE SENT TO ME IN A CHECK, FAST FORWARD TO XXXX I FILED A COMPLAINT WITH XXXX. THEY TOLD THEM THEY WERE GOING TO SEND ME A CHECK I JUST NEEDED TO VEIFY MY ADDRESS THAT WAS DONE .. MOVING FORWARD THEY SAID THEY WERE SENDING ME A NEW CARD / CARD ARRIVED I TRIED TO ACTIVATE THE CARD I WAS TOLD MY ACCOUNT WAS CLOSED AND MY CARD COULDNT BE ACTIVATED SO NOW IM CONFUSED, AS TO WHY THEY SENT A CARD AND NOT AN ACCOUNT CLOSURE CHECK... I GAVE THEM THE ALLOWED TIME WITHIN REASON AND STILL NOTHING WAS DONE.THE IRS WAS NOTIFIED THE IRS REQUESTED SOMWTHING THEY CALL A TRACE VERIFIED THAT THEY STILL HAD THE FUNDS. THEY REQUESTED THE FUNDS BACK I ALSO FILED ANOTHER COMPLAINT WITH THE XXXX NOTHING WAS DONE I JUST WANT THE MONEY I WAS ENTITLED TO, THEY SEEM TO THINK PEOPLES LIVES SEEM XXXX BE A GAME HERE WE ARE IN XXXX AND STILL NO RETURN OF MY FUNDS PLEASE HELP ME GET ALL MY FUNDS.. I DID FILE A DISPUTE WITH CHIME AND NOT EVEN 20 MIN LATER I GOT A EMAIL THAT SAID THEY COMPLETED THERE INVESTGATION. HOW DID THEY COMPLETE AND INVESTGATION SO QUICKLY BEFORE THEY EVEN HAD MY POLICE REPORT.. SO I REDISPUTED THE TRANSACTION TELLING THEM MY OLD PHONE WAS STOLEN AND I DIDNT HAVE ACESS AFTER I WAS INSTRUCTED BY CHIME TO CHANGE MY PASSWORD BUT WAS UNABLE TO LOG IN AFTER THAT PONIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-09 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. **Account Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-09 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: SC

Complaint narrative:
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 Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Sales Contract with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$50.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXXXXXX XXXX XXXX  Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX  Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally sent this letter. 
Sincerely, 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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnish, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, as Experians inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX accessed my account without my consent .its a breach of contract when a third party entity access sensitive account information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: 21ST MORTGAGE CORP.
State: AL

Complaint narrative:
Spoke with XXXX ( and the home dealership ) during several weeks Between XX/XX/year> and XX/XX/year> regarding a manufactured home purchase. Was pre approved within 24 hours and over the next few weeks the loan officer kept creating more hurdles in order to complete the home purchase process. 
I was required to put down an SUBSTANTIAL down payment ( Over 50 % ) Each time the vendor and the mortgage broker were not in agreement or it seemed not in good communication at all. 
This required a lot of lost time and financial strain to drive to give the information to the lender as requested. 
They kept requiring more and more documentation to include copies of my all of my minor childs identification and the last straw was them ( From the TN Office of ) contacting my XXXX without my consent or permission. ( they had already received sealed documents prior to verify their request. This XXXX from the state called me to let me know if her concern and had let me know she would NOT VERBALLY Speak to them ( its against the law ) and would only release any information to them if I had given her a signed release of information. 

The information I provided to them in any normal circumstances be enough. 

This process was so stressful and predatory that they kept the loan open despite my declining with the Home Dealership due to the ever moving goal post a $ XXXX processing fees, multiple credit pulls what felt like ongoing delays and creating additional requirements and requests beyond the initial offer. 

The lender kept the loan open until XX/XX/year> and called me to finalize the process to which I explained they no longer have business with me after making phone calls and contacts with business/ banks /state offices WITHOUT MY WRITTEN OR VERBAL CONSENT which is illegal in the state in which they were contacting. 
The individual on the phone claimed to have no idea what was going despite my having email verification/ text messages and correspondence regarding the entire 90 day ordeal. 

They created a nightmare senario and they need to remove the loan from my credit report I wont recover ( my costs from missed time, child care, paying for extended temporary housing because they kept moving the ball changing requirements and failed often times to DIRECTLY COMMUNICATE WITH ME. They instead would contact the dealership. 
They are misleading in their lending practices and predatory at best because they are mostly the single lender for any manufacturing housing. 

I can provide documentation hard copies if required as the requested records are in the envelope from the state to which only the broker opened and resealed. 
I am happy to provide anything needed to help prevent this from happening to anyone in the future and I feel like I am not the only one who has been through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XX/XX/year> dispute of i correct information on report with all 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 2025-02-09 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Cascade CISS Holdings, LLC
State: OK

Complaint narrative:
Bankruptcy is unverified by the XXXX XXXX XXXXXXXX and court trustee of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the XXXX XXXX XXXX omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief