vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of a data breach that exposed my personal information to unauthorized parties. As a result, I believe that fraudulent activity may have occurred using my identity without my knowledge or consent. I am currently taking steps to protect my credit and request that any suspicious or unfamiliar accounts be thoroughly investigated and removed if found to be fraudulent.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint regarding a potentially misleading credit card promotion I received from Capital One.

Capital One advertised a 0 % APR on balance transfers until XX/XX/year>, which was a key factor in my decision to apply for the card. However, after being approved, I was issued a credit limit of only {$1000.00}, making it nearly impossible to take meaningful advantage of the promotion especially when considering balance transfer fees and impacts to credit score based on high percent usage. 

At no point in the promotional material was it made clear that I might receive such a low credit limit that would render the balance transfer promotion ineffective or unusable. Had I known this was a likely outcome, I would not have applied. 

While I understand that credit limits are based on individual creditworthiness, my concern is that the promotional material gave a misleading impression of the potential benefit without adequately disclosing that the promotion could be significantly limited by the credit line issued. 

I have contacted Capital One multiple times in-order to resolve this issue and applied twice for credit limit increases with no avail. After, talking with multiple representatives I have been unable to solve this issue. I was also not wanting to activate the card in-order to avoid have another potential credit score impact from deactivating it however, the automated system when attempting to verify my information activated the card without my knowledge or permission.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Experian fraudulent notified the other credit bureau to place a fraud alert on the credit report that was not authorized by me.

1. This is my last time telling you to correct that credit now and score, and never again manual manipulate my account.

1. You need to complete the previous request and use your soft story of white, or whatever else presentment, youre displaying to believe that you have the right to cause errors on the intimate necessity of credit. 

You have no right to cost that company any money for a lawsuit with the number of times that I have requested for you to fix the errors, and you have no business playing any type of games or unprofessional jokes by engaging in fraudulent activity such as manipulating the alert status with my reports. 

This isy last time telling you next I will file a lawsuit in federal court, and you will pay for the things that I missed in my youth and adult life for the last phase to be appropriate and normal. 

I am not joking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Experian fraudulent notified the other credit bureau to place a fraud alert on the credit report that was not authorized by me.

1. This is my last time telling you to correct that credit now and score, and never again manual manipulate my account.

1. You need to complete the previous request and use your soft story of white, or whatever else presentment, youre displaying to believe that you have the right to cause errors on the intimate necessity of credit. 

You have no right to cost that company any money for a lawsuit with the number of times that I have requested for you to fix the errors, and you have no business playing any type of games or unprofessional jokes by engaging in fraudulent activity such as manipulating the alert status with my reports. 

This isy last time telling you next I will file a lawsuit in federal court, and you will pay for the things that I missed in my youth and adult life for the last phase to be appropriate and normal. 

I am not joking.

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 2025-05-21 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: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX  -- Account number : XXXX  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 any 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 of 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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I got approved for the Apple credit card and they closed my account after I used the credit card after a few days. I asked them why, and they said because of a violation of terms of service. I asked them what the violation was exactly and they would not tell me anything I have good credit and I was going to pay the card religiously and on time every month!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 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: OK

Complaint narrative:
Sent TransUnion an FTC report regarding hard inquiries on account that were not authorized. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Company : Bank of America Account Type : Credit card / Secured card Account Ending : XXXX Date of Last Activity : XX/XX/XXXX Complaint Filed By : XXXX XXXX XXXX XXXX of Complaint : [ Use todays date or filing date ] Issue Category : Incorrect information on your report The information belongs to me but is inaccurate Complaint Details : I am filing a formal complaint against Bank of America for continuing to report inaccurate, misleading, and outdated information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and industry reporting standards ( XXXX XXXX ). 

The account in question was charged off in XXXX, yet Bank of America is still reporting an active past due balance of {$910.00} as of XX/XX/XXXX. This is false, misleading, and harmful to my credit. It misrepresents the true status of the account and is likely being re-aged to extend the derogatory impact on my file. 

I disputed this account multiple times, but Bank of America continues to verify it without correcting the inaccuracies. On XX/XX/XXXX, I received a settlement offer from Bank of America via email ( attached ), further confirming that the debt was charged off years ago and that they are still engaging in post-charge-off collection activity, while inaccurately reporting it as a current debt. 

This violates the following laws : FCRA 1681s-2 ( b ) Failure to correct after notice and reinvestigation FCRA 1681e ( b ) Failure to report with maximum possible accuracy FCRA 1681c Illegal re-aging of delinquent accounts Metro 2 CDIA guidelines Charged-off accounts should not report as past due I am requesting that Bank of America : 1 . Delete the account in full, or 2. Correct the report to reflect : {$0.00} balance {$0.00} past due Charged off in XXXX XXXX XXXX updates or collection reporting Their continued reporting of this account is harming my credit and violating federal law. I am seeking full correction and removal, as well as accountability for repeated verification of inaccurate data.

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 2025-05-21 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: MI

Complaint narrative:
b'Subject: Failure to Correct or Remove Inaccurate Information After Dispute  XXXX XXXXTo Whom It May Concern,XXXX am submitting this complaint against TransUnion for its continued reporting of inaccurate and unverifiable information regarding my XXXX XXXX XXXX credit card account, in direct violation of the Fair Credit Reporting Act (FCRA).XXXXDespite my prior disputes and the supporting documentation provided, TransUnion has failed to conduct a reasonable investigation or to update the account as disputed and unverified. Therefore, I am now demanding that this account be deleted entirely from my credit file as required under FCRA guidelines when accurate reporting cannot be confirmed.XXXXBackground:XXXXTransUnion is reporting the following information for my XXXX  account:XXXXDate Opened: XXXXDate Closed: XXXXLast Payment: XXXXCharge-Off Status: YesXXXXCharge-Off History: 30, 60, 90, 120, 120, CO  starting with 30 days past due in XXXX XXXXHowever, according to a written response from XXXX, the final delinquency began on XXXX XXXX XXXX, and the account was never brought current before charging off on XXXX XXXX XXXX. The payment history reported by TransUnion is inaccurate and misleading. Additionally, the "last payment" date reported as XXXX XXXX XXXX contradicts XXXX  recordsXXXXFCRA Violations:XXXX15 U.S.C.  1681i(a): TransUnion failed to conduct a reasonable investigation following my dispute, despite receiving evidence directly from the data furnisher (XXXX) that contradicts the current reporting.XXXX15 U.S.C.  1681c(f): TransUnion failed to flag the account as disputed during and after my dispute.XXXX15 U.S.C.  1681e(b): TransUnion is failing in its obligation to maintain maximum possible accuracy.XXXXBecause TransUnion cannot verify the accuracy of this account and failed to correct or flag the reporting after my dispute, it must now be deleted from my credit file.XXXXResolution Requested:XXXXImmediate deletion of the XXXX XXXX XXXX tradeline from my TransUnion credit report.XXXXCease all future reporting of this unverifiable and inaccurate account.XXXXSupporting Documents:XXXXCopy of XXXX  response showing the correct Date of First Delinquency XXXX XXXX XXXXScreenshot or full copy of TransUnions tradeline showing the inaccurate DOFD, payment history, and last payment dateXXXXTransUnions refusal to correct or delete this account  even after receiving documentation proving its inaccuracies  is a violation of my consumer rights under the FCRA. I ask the CFPB to investigate and ensure full resolution.XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I am filling to formally dispute the accuracy and completeness of several items reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified XXXX XXXX XXXXXXXX BALANCED {$710.00} XXXX  XXXX XXXX BALANCED {$62.00} XXXX  XXXX XXXX BALANCED {$1400.00}

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 2025-05-21 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:
Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2025-05-21 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: FL

Complaint narrative:
Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding an issue with XXXX XXXX related to the loan for my property located at XXXX XXXX XXXX XXXX XXXX. XXXX attempted to take the XXXX 2025 loan payment but was unsuccessful. However, I was never notified about this missed payment. Despite having my email address on file, XXXX XXXX failed to reach out to me regarding the XXXX 2025 payment issue. 

To make matters more confusing, payments for XXXX and XXXX  2025 were successfully processed, but the XXXX payment was never taken. This has led to a negative impact on my credit report and my FICO score, which I believe is unjust considering the lack of communication and proactive measures on XXXX 's part. 

As a result, my credit report shows the following error : XXXX balance : {$410000.00} Payment amount : {$2300.00} I kindly request that the Consumer Financial Protection Bureau look into this matter and assist in rectifying these errors on my credit report. I also request that the impact on my FICO score be corrected, as this situation is the result of XXXXXXXX XXXX XXXX failure to effectively communicate with me. 

Please let me know if any further information is required to help resolve this issue. 

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

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding an issue with XXXX XXXX related to the loan for my property located at XXXX XXXX XXXX XXXX XXXX. XXXX attempted to take the XXXX 2025 loan payment but was unsuccessful. However, I was never notified about this missed payment. Despite having my email address on file, XXXX XXXX failed to reach out to me regarding the XXXX 2025 payment issue. 

To make matters more confusing, payments for XXXX and XXXX  2025 were successfully processed, but the XXXX payment was never taken. This has led to a negative impact on my credit report and my FICO score, which I believe is unjust considering the lack of communication and proactive measures on XXXX 's part. 

As a result, my credit report shows the following error : XXXX balance : {$410000.00} Payment amount : {$2300.00} I kindly request that the Consumer Financial Protection Bureau look into this matter and assist in rectifying these errors on my credit report. I also request that the impact on my FICO score be corrected, as this situation is the result of XXXXXXXX XXXX XXXX failure to effectively communicate with me. 

Please let me know if any further information is required to help resolve this issue. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-21 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 have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/2025 at XXXX XXXX a hacker accessed my Coinbase account and transferred XXXX bitcoin ( worth {$44000.00} dollars at time of hack ) to a wallet I do not own. 

My coinbase account : Was XXXX at the time, but I changed it to XXXX after the hack occurred Tx ID of stolen funds : XXXX Hackers wallet address where my funds were sent to : XXXX I notified Coinbase of the unauthorized transaction on 5 occasions ( 3 times via support chat, and twice by phone ) - they would not give me any information about the IP address of the user who logged in TO MY ACCOUNT. They refused to give me any information at all about the date and time my account was hacked ( XX/XX/2025 at XXXX XXXX ). 

Prior to the hack, my account had a brand new password ( 2 weeks old and incredibly strong ) AND two step authentication using Authy was turned ON. The bitcoin was siphoned out of my account without even a password reset email sent to me or a suspicious account access email sent to me. It was a backdoor. 

Years prior I authorized XXXX XXXX  to access my Coinbase account ( XXXX still had API access to my Coinbase account at the time of the hack ). XXXX is a tax service, and Coinbase SHOULD have only granted that API read only access permissions to my wallet. I suspect Coinbase 's API logic was compromised ( hence why Coinbase force upgraded these API keys for all customers earlier this year, as they discovered this undisclosed vulnerability - many other customers with older tax software keys were hacked and likely still don't know that it was a Coinbase vulnerability which caused it. 

Internally, Coinbase is fully aware of this tax software API vulnerability, but sadly it will take lawsuits to force them to come clean.

Company response to consumer: Closed with monetary relief