vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I deposited XXXX XXXX via the XXXX XXXX to my Coinbase deposit address. I understand that XXXX XXXX is not natively supported on XXXX XXXX 's order book ; however, Coinbases automated system successfully recognized and processed the transaction. 

The issue is a deceptive business practice regarding custody of funds : Coinbase XXXX claims the assets are " unrecoverable '' or " lost '' due to the network mismatch. However, public blockchain data irrefutably proves that Coinbase has taken active custody of these funds. 

Evidence of XXXX : XXXX : XXXX XXXX was successfully sent to my deposit address ( Address : XXXX ). ( Tx Hash : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : Coinbase 's automated system accessed my deposit address and transferred these exact funds OUT to their central corporate hot wallet, identified on blockchain explorers as " Coinbase XXXX '' ( Wallet Address : XXXX ). 

XXXX XXXX XXXX : XXXX Conclusion : Coinbase has exercised ownership rights by sweeping the funds to their internal hot wallet. They are currently in possession of my XXXX USDT. Refusing to credit my account while retaining the funds in their corporate wallet constitutes unjust enrichment. They are telling me the funds are lost when, in fact, they have moved them to their own bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
I SENT A QUALIFIED WRITTEN REQUEST FOR THE ACCOUNT AFTER A LIEN WAS PUT IN SIX YEARS LATE ON AN EXISTING MORTGAGE. 
AFTER NOT RESPONDING TO THE NOTICE THEY CONTINUE REPORTING ON MY CREDIT. 
THE COMPANY DENIES EVER HEARING FROM ANY CREDIT BUREAU WHEN I HAVE CERTIFIED MAIL RECEIPTS TO THE COMPANY AND EACH CREDIT BUREAU. 
ALSO ONE OF THE CREDIT BUREAUS WAS KIND ENOUGH TO EMAIL ME THAT THEY DID NOT RESPOND AND THAT WAS SEVEN DAYS AT THE TIME. 
IF ANY CREDITOR DOES NOT RESPOND WITHIN THE 5 DAY TIMEFRAME NIT NSHOULD HAVE BEEN TAKEN OFF OF MY REPORT. 
TO THIS DAY THEY CONTINUE TO LET THEM REPORT ON MY CREDIT AFTER NEVER LAWFULLY VALIDATING. 
THE ACCOUNT WAS ALSO ILLEGALLY TRTANSFERED DURING AN OPEN DISPUTE, HAD MULTIPLE ENTITIES BILLING AT THE SAME TIME, AND HAS NEVER STOPPED COLLECTION ATTEMPTS EVEN THOUGH NO PROPER VALIDATION HAS BEEN GIVEN. 
EACH CREDIT BUREAU SHOULD BE EQUALLY LIABLE FOR DAMAGES CAUSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
Please remove the late payment from my account and update the record to show correct, positive payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX  XX/XX/year> XXXX  XX/XX/year>

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 2025-12-22 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:
An open account on my credit report is being reported with a late payment that is inaccurate. This information does not reflect my true payment history. I disputed this error, but the credit bureau has continued to report the late payment without proper correction. This inaccurate reporting is harming my credit profile and does not comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/XXXX an appointment with XXXX XXXX in XXXX XXXX, Illinois was made with regard to a fraudulent posting on my checking account on XX/XX/XXXX with Bank of America in the amount of {$290.00} which has not yet been resolved. This was the start of something very sinister and strange with regard to my small business account with this banking company. 

Please note that I balance this account every month but due to the sudden death of my son and his memorial service being held on XX/XX/XXXX, that accounting work was not done until XXXX due to the anguish of grief which paralyzed me. I was informed by the funeral XXXX and/or the police that this is when a lot of monetary fraud occurs because they take advantage of this kind of situation. 


On XX/XX/XXXX another appointment was made with XXXX XXXX at the XXXX XXXX, Illinois XXXX XXXX Bank of America where I was very distraught over a balance on my small business account credit card in the amount of nearly {$950.00} ending in XXXX but I don't have a credit card that ends in that sequence but I do have a credit card that ended in XXXX which has been paid in full each and every month. He was unable to explain why the amount of nearly {$950.00} is due and owing even though the credit card bill is paid In full and on time each and every month since this account was started years ago. I was given the last XXXX years of statements showing that those payments from my credit card that I used were paid in full and on time which is probably why I have a XXXX XXXX XXXX which is no small feat. 

I have written several times to the XXXX Department at BOA to no avail as well. 

Thank you for your consideration in this regard. Very Truly, 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Bank closed my account in XXXX XXXX XXXX. I have been waiting for a check that i deposited to be returned to me of {$500.00}. 

everyday they come up with a. new excuse as to why it hasnt been sent out yet. it has been months and im getting frustrated. 

my account was closed for no reason and they have held onto my funds. they sent me {$7.00} and not the rest of the {$500.00}. 

this has been tough on my end because i plan my bills accordingly

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 monetary relief
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-12-22 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: CA

Complaint narrative:
Experian failed to comply with federal credit reporting laws after receiving third-party verification that I am a human trafficking survivor and a confirmed data-breach victim. Despite mandatory blocking requirements under FCRA 605B, Experian continued to report and score trafficking-related adverse accounts. Experian also improperly reported a XXXX XXXX XXXX child support obligation as consumer credit, which is not a credit transaction. These actions violate the FCRA and constitute unfair practices. I am attaching supporting documentation.

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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: PR

Complaint narrative:
I've never had an account with this company. I was a victim of identity theft, so this account was opened fraudulently.

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 2025-12-22 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: AR

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2025-12-22 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: AR

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: VT

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CA

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 2025-12-22 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA XXXX by continuing to report unverifiable information after multiple disputes.

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 2025-12-22 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA XXXX by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hatfield, Inc.
State: VA

Complaint narrative:
XX/XX/year>, XXXX PDT ( XXXX ) XXXX XXXX : Please close my account. It is paid in full. Please also update my credit reports to remove these accounts. They are listed twice with inaccurate information. 
( XXXX ) XXXX : We can delete your Grid account, but closing the account completely will prevent you from returning should you wish to come back to Grid. This is a permanent block for all future requests from you. 

We suggest you keep your account with your free membership. You'll be able to come back to Grid at any time you like for our upcoming products or changes in your eligibility! 

DELETE ACCOUNT, KEEP ACCOUNT, ONLY CANCEL INCOME PROTECTION, KEEP ACCOUNT ( XXXX ) XXXX XXXX : Delete Account ( XXXX ) XXXX : If you choose to delete your account, please be aware of our Privacy Policy where we're required to retain certain information for compliance purposes. For more information, please check out https : //getgrid.app/privacy/. 
( XXXX ) XXXX : If you would like to proceed with deleting your account, you can reach customer service by submitting a ticket below. If not type " Start Over ''.

Please select a reason why you want to delete your account. 

* Please note this isn't a final confirmation of deletion if you have an active membership * Once you submit your ticket, you will be transferred to the ticket queue and our team will answer within XXXX days. 

( XXXX ) XXXX XXXX : Question/Ticket : You are reporting on my credit reports inaccurately and I want these accounts removed. 
Email : XXXX Reason for closing account : Other Ticket Request : Delete Account ( XXXX ) XXXX : For verification purposes, can you please re-confirm the email on file in the chat? ( Required ) After verification, our team will answer in XXXX days. Due to the high volume, emailing support after submitting a ticket will slow down our response time. Thanks for your cooperation! 
( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX to Grid I just paid {$190.00} via my debit card to pay the account in full. DELETE my account. In addition, federal law states that you are under obligation to appropriately update my credit reports, regardless of who you use to do so. It is not my problem you are using a company who is in bankruptcy for your credit updates. 
Grid Team ( Grid ) XX/XX/year>, XXXX XXXX Credit Line payments take up to XXXX business days to process. Thank you so much for your patience and understanding! 

* * * Please note that weekends and banking holidays are NOT business days. If the XXXX day falls on a weekend or banking holiday, the payment will not clear until the following business day * * * Once the payment has been processed and updated, we can proceed. 

THEY NEVER PROCEEDED. Both accounts still show as me owing {$200.00} and they continue to show as a late payment on all three credit reports every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CT

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-22 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: LA

Complaint narrative:
I SENT A QUALIFIED WRITTEN REQUEST FOR THE ACCOUNT AFTER A LIEN WAS PUT IN SIX YEARS LATE ON AN EXISTING MORTGAGE. 
AFTER NOT RESPONDING TO THE NOTICE THEY CONTINUE REPORTING ON MY CREDIT. 
THE COMPANY DENIES EVER HEARING FROM ANY CREDIT BUREAU WHEN I HAVE CERTIFIED MAIL RECEIPTS TO THE COMPANY AND EACH CREDIT BUREAU. 
ALSO ONE OF THE CREDIT BUREAUS WAS KIND ENOUGH TO EMAIL ME THAT THEY DID NOT RESPOND AND THAT WAS SEVEN DAYS AT THE TIME. 
IF ANY CREDITOR DOES NOT RESPOND WITHIN THE 5 DAY TIMEFRAME NIT NSHOULD HAVE BEEN TAKEN OFF OF MY REPORT. 
TO THIS DAY THEY CONTINUE TO LET THEM REPORT ON MY CREDIT AFTER NEVER LAWFULLY VALIDATING. 
THE ACCOUNT WAS ALSO ILLEGALLY TRTANSFERED DURING AN OPEN DISPUTE, HAD MULTIPLE ENTITIES BILLING AT THE SAME TIME, AND HAS NEVER STOPPED COLLECTION ATTEMPTS EVEN THOUGH NO PROPER VALIDATION HAS BEEN GIVEN. 
EACH CREDIT BUREAU SHOULD BE EQUALLY LIABLE FOR DAMAGES CAUSED.

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 2025-12-22 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: GA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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