vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
I am filing a complaint against Western Union for an unauthorized and misdirected money transfer. I selected my sisters saved recipient profile in the Western Union app, but the system changed her bank account details without my knowledge or authorization. As a result, the funds were deposited into a completely different persons bank account, whom I do not know. 

This is an unauthorized transfer and a violation of Regulation E. 

Here are the details : I have been sending money to my sister XXXX XXXX XXXX ) regularly using the same saved recipient profile. 
On this occasion, I clicked on her saved profile. 
Without any notification or confirmation, Western Unions system replaced her bank account number with another persons account. 
I only discovered this after the money ( {$710.00} ) was already deposited into the wrong individuals account. XXXX XXXX I never edited or changed the recipient information. 
Western Union has refused to reimburse me despite the fact that they can not prove I authorized the change. Complaint # XXXX This is a Western Union system failure, not consumer error. 

Under Regulation E, Western Union must provide documentation such as : Proof that I requested the recipient/account change System logs showing the change Name and account number of the actual recipient who received the funds Time and place of fund release Their identity verification method Proof that the ID or account information matched my original authorized recipient Western Union has failed to provide any such evidence.

Instead, they are holding me responsible for a change I did not make and had no knowledge of.

This is an unauthorized transfer, a misdirected remittance, and a breach of the providers security obligations.

I am requesting : A full reimbursement of the misdirected funds.

A complete payout trace, including the bank details and name of the actual recipient.

System logs proving whether the recipient details were changed and by whom.

Confirmation of Western Unions identity verification process for this transaction.

Regulatory intervention to ensure Western Union complies with consumer protection laws.

I have already contacted Western Union, filed a complaint, and provided all supporting details, but they have denied liability without offering any documentation to support their position.

I did not authorize this change.

I did not approve the wrong recipient.

The transfer was misdirected due to Western Unions system error or internal fault.

I am requesting CFPB assistance to hold Western Union accountable and recover my funds. 

Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
i recently check my credit report and i noticed i have some fraudulent account along with some inaccurate information in my credit report so therefore I am submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable reinvestigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

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 2025-11-20 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 Fair Credit Reportin Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon gfair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX ~ XXXX & XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, Honda Financial Services XXXX XXXX XXXX XXXX, CA XXXX Dear XXXX XXXX and XXXX XXXX, Subject : Request for Late Payment Forgiveness Due to Fraudulent Bank Activity I am writing to respectfully request a one-time courtesy removal of a late payment reported on my Honda Financial Services account XXXX This issue was caused by fraudulent activity on my bank account, which resulted in {$400.00} being withdrawn without my authorization. I have attached a copy of the dispute documentation from my bank, XXXX, confirming this incident. 
This unexpected loss of funds directly impacted my ability to make my Honda payment on time, and unfortunately, my request for relief through Honda Financial Services was denied. Im asking you to please reconsider.

This situation has been especially difficult because I recently graduated from college and am actively seeking employment and housing. A negative mark on my credit report has made it significantly harder to secure a job and rent an apartment. Until this incident, I have maintained a spotless payment history since receiving my first credit card at age XXXX and purchasing my first Honda vehicle from XXXX XXXX XXXX after graduating high school. 
Ive been a loyal Honda customer for years. Earlier this year, my mother and I leased new Hondas on the same day I chose a black one, and she chose a white one. Ive always taken pride in driving a Honda and have never missed a payment until this unfortunate event. 
I kindly ask that you review my account and consider removing this late payment as a gesture of goodwill. Your support would make a meaningful difference in my life during this transitional time. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Company : Coinbase , Inc . 
Product : Virtual currency / digital wallet Issue : Account access blocked / unable to withdraw funds despite being told the account was restored Account email : [ your Coinbase login email ] Case number : XXXX Internal thread ID : XXXX What happened : My Coinbase account was restricted around XX/XX/year>. I filed a formal complaint with Coinbase on XX/XX/year>, which they acknowledged ( Case # XXXX ). On XX/XX/year>, Coinbase Compliance emailed stating my account was successfully verified and fully restored. However, despite this written confirmation, I remained unable to withdraw or access my funds. 

On XX/XX/year>, Coinbase informed me they needed XXXX additional business days to complete their investigation. The extension expired on XX/XX/year> with no response from Coinbase. Instead of resolving the issue, my account was then fully blocked, showing an error page stating I was currently blocked. I shared this evidence with Coinbase. 

On XX/XX/year>, Coinbase again sent another 15-business-day extension, without providing any of the following information I repeatedly requested : The specific reason code for the restriction The start date, review date, or expiry date of the hold The policy/User Agreement section authorizing the continued block Any steps or documents required to restore full access My account remains blocked, I can not access or withdraw my funds, and Coinbase has provided no substantive explanation or path to resolution, despite my multiple documented requests.

This is now beyond the 45 business days described in Coinbases complaint process, and I have not received a lawful, policy-based justification for being denied access to my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unauthorized information reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies and data furnishers are required to ensure that all information reported is accurate, complete, and timely. The following accounts are either incorrectly reported or completely unknown to me and are harming my credit profile. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High balance : {$6600.00} Date opened : XX/XX/XXXX Late payment I have never missed any payment on this account. The reporting of a late payment is false, inaccurate, and damaging to my credit profile. I request immediate investigation and correction of this account to reflect accurate payment history. This false reporting creates hardship and potential denial of credit. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High balance : {$16000.00} Date opened : XX/XX/XXXX XXXX I have no knowledge of this account. I have never opened an account with Flagship CRD, nor have I received any notification regarding chargeoff status. Reporting this account as a chargeoff is unauthorized, inaccurate, and in violation of the FCRA. I request that this account be removed from my credit file immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX High balance : {$60.00} Date opened : XX/XX/XXXX Collection I do not recognize this collection account. I have no relationship with this creditor, nor have I received any valid notice or billing. This account is erroneous and improperly reported. Continued reporting of this inaccurate information is a violation of my rights under the FCRA. I request removal and investigation of this account without delay. 
I am requesting the CFPB to intervene and ensure that these inaccurate accounts are investigated and corrected or removed as appropriate. I expect a prompt resolution and written confirmation once the investigation is completed. Continued reporting of these inaccuracies may result in further legal action.

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 2025-11-20 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CT

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-20 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian requires payment before allowing me to cancel my account. Phone support and login options are blocked. I was not aware that I had to pay them when I signed up for services. They told me it was free, {$0.00} to sign up, and then they proceeded to charge my account {$26.00} unknowingly.

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 2025-11-20 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-20 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-20 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: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-20 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: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

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 2025-11-20 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported.

Account in Question : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with explanation