vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc.
State: KY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I made multiple instant deposits into my Crypto.com account totaling {$7000.00} from my XXXX XXXX XXXX  account ( * * * * XXXX ). These include a {$2000.00} and {$1000.00} deposit on XX/XX/XXXX, a {$2000.00} deposit on XX/XX/XXXX, and XXXX additional deposits of {$1000.00} and {$2000.00} on XX/XX/XXXX. 

Although Crypto.com marked these deposits as pending, the platform accessed the funds for trading purposes including deducting approximately {$550.00} in fees. This confirms that Crypto.com had full access to the funds, even while claiming they were still unavailable for withdrawal or transfer. 

Now they are refusing to release any remaining balance from these same deposits, citing their pending status, while retaining the {$550.00} already taken in fees. This creates a direct contradiction and constitutes unjust enrichment : Crypto.com financially benefited from funds they now claim I never had access to. 

As my attached bank statements show, these deposits were successfully withdrawn from my XXXX XXXX XXXX  account and fully posted to Crypto.com days ago. There is no financial basis for denying my access to these funds, as the transfer has been completed on the sending side. 

I reached out to Crypto.com support to request a clear explanation and resolution. I asked how funds could be used, lost in trades, and deducted for fees yet still be marked inaccessible. Their responses were vague, inconsistent, and failed to acknowledge the contradiction. 

This is not just a delay or technical issue this is financial misconduct. Crypto.com used customer funds, retained fees, and is now denying access to the remainder. I am seeking full accountability, reimbursement of improperly taken fees, and immediate access to the balance they continue to hold without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent
information across the three credit bureaus. 

Account : XXXX XXXX Account number : XXXX Reported inconsistencies among all bureaus as follows : Date opened XX/XX/year> vs XX/XX/year> High credit {$820.00} vs {$730.00} Credit limits I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard.

Provide documentation of the verification method used.

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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 2025-07-26 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: LA

Complaint narrative:
I am filing this complaint because Equifax has continued to report a collection account on my credit file that does not belong to me. The account is listed as XXXX XXXX ( Original Creditor : XXXX  XXXX ) with account number XXXX, and shows a balance of {$3600.00}, opened on XX/XX/year>. I have no connection to this account. I did not authorize it, never applied for it, and have never received a bill or any form of communication from XXXX XXXX or XXXX  XXXX. This is not my debt, and it should never have been linked to my credit profile. 

The first time I saw this account, I was shocked and deeply concerned. I immediately disputed it with Equifax and requested validationsomething that they are legally required to provide under the Fair Credit Reporting Act ( FCRA ). However, despite my request, the account continues to be verified and remains on my credit report without any proof, contract, or supporting documents. I have not been shown any evidence that ties me to this debt. No signature. No agreement. No billing history. Nothing. And yet, Equifax insists on keeping it there. 

This has caused real harm in my life. Because of this account, my credit score has dropped, and Ive faced difficulties applying for credit and housing. Ive had to explain this false debt repeatedly, and the stress it has caused me has affected both my peace of mind and my financial stability. I feel helplesslike Im being punished for something I didnt do, and no one is taking the time to truly listen or investigate. 

I believe Equifax is in clear violation of the FCRA, particularly 15 U.S. Code 1681i, which requires credit bureaus to conduct a reasonable reinvestigation of disputed information. They are also failing to follow 1681e ( b ), which requires them to ensure the maximum possible accuracy of the data they report. Continuing to report an account without any evidence of its validity is irresponsible and unlawful. 

I am asking the CFPB to intervene and help me resolve this. I want Equifax to either provide legitimate proof that this debt belongs to me, or immediately remove it from my credit file. This situation is not just a clerical errorits something that is affecting my life every day. Ive tried to handle it directly, but Equifax has failed to act responsibly. 

Please help make this right. Im simply asking for fairness and for my credit report to reflect only accurate, verified information. I should not have to suffer the consequences of a mistake I didnt make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX Account number : XXXX Inconsistencies reported among all reporting bureaus as follows : Date account was opened XX/XX/XXXX vs XX/XX/XXXX Account type details High credit reported Credit limit reported I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and XXXX  for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or incons
istent information across the three credit bureaus. 

Account : XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXXl ) Account number : XXXX Reported inconsistencies as follows : Date opened XX/XX/year> vs XX/XX/year> I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I am writing to formally dispute the alleged debt you claim I owe to your company or the company you represent. I do not acknowledge any such debt and request that you immediately cease all collection efforts, including any reporting to credit bureaus, until full validation is provided in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

I am not asking for verbal confirmation I am demanding written documentation that proves I have a legal obligation to this alleged debt. Please provide the following : 1. A copy of the original signed agreement or contract, bearing my signature, that clearly shows I agreed to receive goods, services, or credit from the original creditor.

2. Proof that the original creditor provided goods or services to me, including a description of those services and dates rendered.

3. A complete breakdown of the amount you claim I owe, including principal, interest, fees, and any other charges.

4. A copy of the bill of sale or assignment agreement between your company and the original creditor, clearly showing the amount your company paid to acquire this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with trust and they closed the account kept my money provided no information about why my deposit was never returned to me. I asked several times where my funds went and was told I had to wait on my refund which has not came years later.

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 2025-07-26 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: CA

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 2025-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I filed a complaint against TD Bank less than a month ago about their unfulfilled account opening bonus payments contractual obligations. 
They responded via this platform saying that the bonus payments of {$400.00} and {$200.00} would be made by XX/XX/year>. 
Today is XX/XX/year> and the bonus payments have not been made. 
I am submitting this complaint to have this complaint permanently listed on their profile ad they have misrepresented themselves more than twice and made promises they never had the intention of owning up to. 
I want this complaint to be a reference point to future customers who are lured to send their money to TD Bank under the false premise and promise of getting bonus payments that TD Bank doesnt intend to payout and is almost keen on frustrating customers to get the payout. 
Please let this serve as a lesson to everyone who receives a letter in the mail promising them of bonus payments! 
They have broken my trust and once my bonus payments are done I will be meeting the account tenure requirements and moving to another bank that cares about their customers. EXTREMELY DISAPPOINTED!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am writing to formally dispute the reporting of missed payments on my Ally credit card account and to document my repeated and unsuccessful attempts to obtain supporting documentation. 

During an extremely difficult period, while my husband was critically ill and eventually passed away, I applied for and was approved for a hardship program through Ally. I also had automatic payments in place during this time. Despite this, missed or late payments were reported to the credit bureaus, negatively affecting my credit. 

Since then, I have made multiple requests to obtain verification and clarification of the reported delinquencies. Each of my requests has either been denied or ignored. Specifically, I have asked for : A copy of the original signed agreement or contract for the account ; A full and detailed payment history, including dates and amounts reported as late ; Internal records or logs used to determine and report the accounts status ; Proof that proper notice of delinquency was issued in compliance with applicable laws ; Evidence that the reporting was done in accordance with the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I have the right to dispute inaccurate or unverified information under the FCRA. If Ally is unable or unwilling to provide the documentation listed above, the reported late payments must be removed from my credit file. 

Please consider this a formal dispute and reinvestigation request. If I do not receive the required information or confirmation of removal within 30 days, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and appropriate state authorities.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

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 XXXX 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 2025-07-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX Date of Birth : XX/XX/XXXX Dear Experian, Equifax, and Transunion I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX The number of days late for this late payment is wrong. 
Please verify and provide proof of my payment history for this account or remove this late payment from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX This account 's payment terms or account type is incorrect. 
Please verify and provide proof of the payment terms and account type or remove this account from my credit report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime uses XXXX  as a form of credit. The commercial says you can instantly get up to XXXXXXXX XXXX  This is a lie... the amount you get is based on factors like payroll amounts and things. I have been a long time customer and uses XXXX feature since it started and never had problems until a few months ago. I can only gst XXXX initially and then XXXX dollars each day ... not the " instant gst up to XXXX. They use pinwheel to connect my payroll company and it keeps disconnecting and chime wont fix rhe issue. They are really quick to want the balance repaid automatically with your next deposit but then pushes u into more debt because in order to pay bills I have to build XXXX dollars at a time instead of the whole available amount. For example currently my direct deposit was wed XXXX and it paid back the XXXX XXXXmount ... and allowed me to take XXXX dollars and now XXXX dollars a day instead of the allowed XXXX it lists. When my limit is XXXX I should be able to take the entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My mother signed me up for this credit card and I have had to pay a dollar fee and it has made my life a living XXXX as a college student having to pay. My mom has put me in and I am unable to afford the card now because she has kicked me out the house and stole all my money from me.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANNER CORPORATION
State: WA

Complaint narrative:
I had Opened an Banner Bank account in XXXX and at that time when asked if I would like overdraft protection on the checking account, I had said no. I remember, because I always tell banks that when asked. Now looking at my credit report I see that I supposedly owe this collector {$670.00} now - XX/XX/year>. I have called Banner Bank to express my concern and ask for checking account documents. They said there was nothing they can do because account is already in collections. So I had disputed the account several times to the collections agency for the account, XXXX XXXX XXXX XXXX and they still will not take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AR

Complaint narrative:
My identity was stolen and multiple hard inquiries were reported on my credit as well as multiple accounts without my knowledge or permission. I am XXXX, so does impossible for me to agree to any contract or read any contract.

Company response to consumer: Closed with non-monetary relief