vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint as an individual consumer to dispute and request amendment of personal identifying information being reported inaccurately by one or more consumer reporting agencies. My credit report contains incorrect names, outdated or unfamiliar addresses, unauthorized telephone numbers, and employment information that do not belong to me.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), each consumer reporting agency is required to maintain reasonable procedures to assure the maximum possible accuracy of information, and under the Privacy Act of 1974 ( 5 U.S.C. 552a ), I have the right to request correction or deletion of inaccurate personal data.

I have submitted a Personal Information Amendment Notice ( Exhibit D ) with supporting identification and proof of address ( Exhibit B ) and social security card, requesting that all incorrect personal identifiers be omitted and that a corrected copy of my consumer report be issued. These inaccuracies have the potential to cause confusion, misidentification, or improper association with third-party accounts.

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 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
I contacted support that cash app provides on the app and also called the number provided on the app and was told there was a on going investigating and no info could be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TN

Complaint narrative:
I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the program. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds would be impossible and that tracking these transactions were unfeasible. The CFPB 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. The lack of transparency and accountability raises major concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
Ensure timely deletion of disputed accounts according to legal obligations.

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 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I didnt do any activity on Coinbase since a very long time, years as I have been working abroad for a few years. 
I received the notification on XX/XX/XXXX that someone tried to login to my Coinbase account. 
I tried and changed my password on the XX/XX/XXXX. 
Later on I was recontacted by coinbase to verification my ID. 
There were a email to confirm that I will be contacted by phone. 
I received the call from XXXX ( XXXX ) XXXX on XXXX XXXX. 
The only time I could login was when I was talking to the agent ( XXXX XXXX ) while he was verifying my identity. I saw all my accounts emptied but he said its normal its a security purpose to avoid any other person to take any money. 
I followed all instructions, and was assured that my assets were safe and that I would receive a follow-up call within 24 hours. I was later informed that I would be contacted again within 6 hours but that call never came.

After that I have been trying to reach for support on the coinbase website since more than a week after the supposed call back and I only received help after sending 3 request a week later.

This time I was confirmed that my account has email been changed, then my account emptied and then, deleted. 
I had at the time about XXXXXXXX XXXX worth of crypto currency. 
They closed my case with helping me recovering my funds. After thoroughly reviewing your support case, we have determined that we are unable to provide any further assistance regarding this specific issue at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
I received a new card but I cant ise it and the charge doesnt addXX/XX/XXXX to me it too many Late fees n etc

Company response to consumer: Untimely response
Consumer complaint received 2025-10-26 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: Chime Financial Inc
State: IL

Complaint narrative:
I made a purchase and the merchandise was defective. I went to return the merchandise and get a refund, however : the merchant denied me the refund, took the merchandise, and had security ask me to leave the store and he wasn't giving my money back. I filed the dispute with Chime and provided all the evidence they asked for. They told me they were giving the merchant 30 days to respond which I filed the dispute on XX/XX/XXXX. We are well over that 30 days Chime told me. They still haven't got this merchant to respond. My dispute resolution date is XX/XX/XXXX. Every time I call Chime, they get rude and end the call after I express how it doesn't make sense that I don't have my refund. They just keep telling me to wait and wait. I already filed complaint against Chime and the merchant with the XXXX XXXX XXXX The merchant or Chime has not responded to the XXXX complaint with ny type of response yet Chime keeps telling to to wait. They then told me if I don't have my money on the XXXX that the dispute would be closed and I would have to make another dispute and wait the 60 day time frame again. They are purposely not giving my money back. They act as if Chime doesn't have to money to give me and they recover the funds from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Revolut Technologies Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I paid cash for a {$100.00} transaction at XXXX XXXX XXXX ( receipt # XXXX ), but XXXX charged my card ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) without authorization. My XX/XX/year>, statement shows a prior similar incident on XX/XX/year>, refunded promptly, proving this is a recurring billing error. Under 12 CFR 1005.11, provisional credit is required within XXXX business daysXXXX  and XXXX XXXX their FDIC-insured issuer, have failed for XXXX days. Even after multiple attempts to get them to abide by the regulations. This delay caused {$75.00} in phone reconnection fees, {$450.00} in lost business revenue ( XXXX hours at $ XXXX ), and severe financial/emotional distress. Ive demanded immediate credit and {$1600.00} in compensation, but theyve stalled with internal forms and vague timelines. Acting in defiant opposition to federal protection agency regulations. I have numerous chat logs with the support team including a supervisor with revolut who seems to have a stance that they are above following federal laws and regulations instead citing their own teams system of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
There are several hard credit inquiries being reported on my credit reports that I did not authorize or consent to. These inquiries were made without my knowledge or permission, and I have no existing credit relationship or application history with the companies involved. 
The following unauthorized inquiries are being reported : XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXXXXXX XXXX  Experian XX/XX/XXXX XXXX / XXXX / Equifax Experian XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XX/XX/XXXX I have never applied for credit, loans, or financing with any of these institutions. I did not provide authorization for any lender or dealership to access my credit reports. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), a consumer reporting agency may only furnish a report when there is a permissible purpose and with the consumers consent. 
These inquiries were conducted without permissible purpose, and they are negatively impacting my credit profile and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
The day I recieved these emails I was working and then I was driving home and stopped for gas and opened my phone and realized someone tried to send them selves money and it says XXXX. XXXX from out of the state I dont know anyone out of the state of XXXX but I thought it was just a scam to make me click a link so I brushed it off then the chime app wasnt working my card or anything I couldnt even log in to look at my balance or even use my cards after it started working again I received emails someone logged into my account changed my email and my phone number from all the way in XXXX again I dont know a XXXX XXXX or who ever these people are and they emptied my account and still tried to buy things after I was in the middle of filing a police report after submitting my screen shots and they denied my request for a dispute again and yes I provided them screen shots of my email showing activity in other states logging into my account changing my password and phone number and that wasnt enough I even wrote them a letter explaining what happened they brushed it off and denied my request I never even got a fair chance wen its my money I worked hard for and I at least deserve an explanation actually more my money back this isnt the first time I was a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: CA

Complaint narrative:
Follow legal requirements by removing disputed accounts swiftly.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Law Office of Monica Guilarte LLC
State: MD

Complaint narrative:
This law firm ( XXXX XXXX ) is continuing to report inaccuracies on my credit report. See previous complaint for XXXX XXXX. Once I informed XXXX that I was seeking further action in regards to their reporting they handed the debt off to this law firm. So which means this inaccurate account is being reported by this firm. I have already contacted and started filing complaints with the States Bar Association and the XXXX  XXXX. This law firm has emailed me a demand letter after I contacted them after being notified that they now have the debt claiming to be owed. This demand letter is reporting a name that is not mine. On the demand letter they have the individual with a middle initial for their middle name. I do not have a middle name ( XXXX ). This law firm is reporting an inaccurate amount they are claiming that was due. They are reporting the debt went into collection in XXXX of XXXX. I was still living on the property ( XXXX ). How was this account sent to collections without my knowledge and without any grounds to do so. That is a violation of my rights as it violates the FAIR DEBT COLLECTION AND REPORTING LAWS. Ive asked for validation of this debt to only receive different responses from XXXX XXXX  and now the Law office of Monica Guilarte. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) I am disputing the validity and accuracy. The amount you are attempting to collect is incorrect and not legally owed. At the time this alleged debt was reported, I was still residing on the property. No final accounting, move-out statement, or lawful termination of tenancy occurred. Prior to XX/XX/year>. Not even given the chance to reconcile and or make payments. Therefore, any claim of a debt or unpaid balance is premature, inaccurate, and misleading. Any continued collection efforts without proper validation is considered a violation of federal law and will be reported to the FTC, States attorney General and Maryland XXXX and the XXXX XXXX XXXX. They have also claimed they tried to serve me yet the dates the courts had when it was entered not served and when this law firm claims I was not served does not add up. The courts provided me with a different date a COMPLETE DIFFERENT MONTH than when this law firm is stating they attempted to serve me. This law firm is operating under Unethical practices and I will not hesitate to seek further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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:
I am writing to file a complaint against XXXX XXXX, Experian, Equifax, and Transunion for inaccurate and unlawful reporting of a late payment on my credit report. Despite multiple disputes, XXXX XXXX continues to report my XXXX, XXXX, XXXX, and XXXX payment as XXXX  days late. As of todays date, it is only XX/XX/XXXX, making it factually impossible for the XXXX payment to be XXXX  days past due. This is been going on for the past XXXX month with all my payments. This reporting is visibly inaccurate, misleading, and damaging to my credit standing. I have disputed this error multiple times directly with XXXX XXXX and through the credit bureaus. Instead of correcting the obvious inaccuracy, XXXX XXXX and the credit bureaus keep updating the same false information, in clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate information and correct errors promptly. This false late payment is negatively impacting my credit score and overall financial standing. I request that the CFPB investigate this matter and compel XXXX XXXX to immediately correct my credit report to accurately reflect the payment history.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint as an individual consumer to dispute and request amendment of personal identifying information being reported inaccurately by one or more consumer reporting agencies. My credit report contains incorrect names, outdated, non deliverable or unfamiliar addresses, that do not belong to me.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), each consumer reporting agency is required to maintain reasonable procedures to assure the maximum possible accuracy of information, and under the Privacy Act of 1974 ( 5 U.S.C. 552a ), I have the right to request correction or deletion of inaccurate personal data. 
I have submitted a Personal Information Amendment Notice ( Exhibit D ) with supporting identification and proof of address ( Exhibit B ) and social security card, requesting that all incorrect personal identifiers be omitted and that a corrected copy of my consumer report be issued. These inaccuracies have the potential to cause confusion, misidentification, or improper association with third-party accounts.

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 2025-10-26 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-26 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: CT

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-10-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
As a prize, my wife received a Gift Card Debit XXXX  with a balance of {$50.00}. I used the card on XXXX XX/XX/year> for an online order with XXXX. After I made the order, I checked the balance at XXXX  per the instructions on the back of the card ( I also registered the card ). I saw the pending charge with XXXX. On XXXX XX/XX/year>, XXXX notified me the order was declined. When I logged back into www.giftcardmall.com/mygift to check the balance, I could not get through, but I was referred to giftcards.com. I was able to get through at giftcards.com and learned that after I had checked the balance and registered the card on XXXX XX/XX/year>, a charge was made in the amount of {$49.00} to Gloss * XXXX XXXX XXXX XXXX, a charge I did not authorize nor recognize. I then XXXX  giftcards.com and learned that there have been many complaints of gift cards being stripped of their value once the card has been registered. 
I do believe www.giftcardmall.com/mygift and giftcards.com are the same company as the former refers to the latter.

Company response to consumer: Closed with explanation