vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
Report : Unlawful Security Hold by XXXX XXXX XXXX XXXX XXXX Complainant Residence : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Support Ticket IDs : XXXX, XXXX Dates of Incident : XX/XX/year> Present Total Funds Affected : Approx. {$10000.00} in virtual currency Summary of the Issue : As of XX/XX/year>, I began experiencing technical errors when attempting to withdraw funds from my XXXX  account, which currently holds approximately {$10000.00} in virtual currency. The platform provided no prior warning or notification of any hold or restriction. 

Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX support team multiple times to resolve the issue. My concerns were submitted under Ticket ID XXXX and Ticket ID XXXX. In response : I received vague and non-committal replies that failed to directly address the issue. 
There were long periods of silence, including several days with no responses at all. 
To date, no concrete action has been taken by the company to resolve the issue or explain the reason for the hold. 

This unexplained restriction of access to my funds has caused interim financial damage, obstructed critical transactions, and led to reputational harm as I was unable to meet obligations tied to the availability of my assets. 


Actions Taken by Me : Attempted withdrawals via the XXXX  platform starting XX/XX/XXXX. 
Reached out to XXXX  support multiple times between XXXX XXXX XXXX 
Provided requested information promptly, though limited information was asked. 
Documented all correspondence and delays. 


Companys Actions ( or XXXX XXXX ) : No official notice or explanation provided for the hold. 
Delayed and vague responses from support. 
Failure to resolve the issue after 9+ days. 
No transparent review or resolution timeline given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am the victim of unauthorized access to my Bank of America account via telephone banking. On XX/XX/year>, a transfer of {$1000.00} was made from my savings to my checking without my consent or knowledge. This transaction ( Confirmation XXXX XXXXXXXX ) was initiated over the phone, despite the fact that I have never used telephone banking. The confirmation email I received was in XXXX, although my account language is XXXX a sign that the fraudster used XXXX-language support while impersonating me. 
Following this, a declined transaction for {$1000.00} at XXXX XXXX was attempted using my debit card. I immediately contacted Bank of America and requested a fraud investigation, including logs of the call, details of how identity was verified, and access to authentication information. These requests were denied or deflected. I was also locked out of my account and had all outgoing transfers frozen, causing me to miss auto-payments and risking my participation in a credit card relief program. I not only want to be reimbursed for the hardships the has caused but for the two days of work I missed trying to call the bank and being transferred to a new department every time. one of my phone calls was over XXXX hours and it ended it getting disconnected.

I am requesting CFPB intervention to compel Bank of America to investigate this breach fully, disclose what happened during the call that initiated the transfer, and restore any lost financial status or disrupted payment plans caused by their handling of the situation.

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: OH

Complaint narrative:
On XXXX XXXX 2025 it was brought to my attention from my sister that someone had been using my bank account and transferring money from my account to their account via XXXX XXXX. Mind you I am not allowed to have a XXXX XXXX. I am also disabled and can not read so I dont know what my bank statement says. So when my sister called the bank which is Credit Karma they told us the persons name on the XXXX XXXX which was XXXX or XXXX XXXX XXXX which was my home health nurses aide that was hired to come help me out at home. When my sister confronted her she tried to deny it but my sister showed her the proof on my phone and my sister sat the phone down and they got into it and walked away thats when XXXX picked up my phone and left. And she stole every bit of my money. When I contacted the bank to dispute the charges they came back not even 12 hours later saying no fraud happened because there were multiple other charges in the months past and that the charges were done under r the same IP address and i explained to them that she was my hired helped and she had access to my phone and thats how she was able to do it. I filed a police report and the girl is in jail now and I contacted them again and told them I now have 3 signed and notarized affidavits from the person who stole my money one of which she explained detail for detail what and how she did it and I asked them how is it that the police were able to find that fraud did happen but you guys cant and I keep asking for the documents that they used to do their shotty investigation and they refuse to provide them to me and they told me they arent giving me my money back they dont care if this happened or not but its not their problem stop writing its not going to get accepted its staying denied. I told them I was filing something with the XXXX and the CFPB and they told me go ahead they arent gon na do anything to us we have the say so they dont and they cant make us do anything we dont want to do they aint XXXX so go ahead. I dont want all of the past months money back I just only want the money from the dispute I filed XX/XX/XXXX because her stealing my money has now cost me my home and everything I just need that money from the dispute back please and for them to be made to do better investigations when people have actual proof that this happened. And for them to stop treating customers like this. Please you guys are my last and only hope. I havent been able to pay my bills fees myself or my family Im Now getting evicted my car got repossessed I just need my money back. Im willing to go to a different bank after this so they dont have to worry about anything like this happening with my account ever again. Please Im begging you please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This company called me atleast 6 times a day 5 days a week for months on end. They would leave harassing voice mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NE

Complaint narrative:
My student loan was forgiven through the XXXX XXXXXXXX forgiveness program in XX/XX/year>. My current loan company is XXXX, and they have not helped. I have emailed documents and called them repeatedly. They always say they are working on it. 
My student loan has been with three different companies in the last year. Nelent, Sloan and currently XXXX. My credit report still shows that I owe XXXX and Sloan for the same loan. This would not help if I were trying to get a loan, and it is unfair that these companies are not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a follow-up complaint to ensure that all three credit bureausXXXX XXXX and Equifaxare properly reinvestigating and verifying the legitimacy of multiple charge-off accounts currently reporting on my credit reports. These entries include : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, charged off on XX/XX/XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged off on XX/XX/XXXX for {$37000.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX charged off on XX/XX/XXXX with a balance of {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX charged off on XX/XX/XXXX for {$2700.00}. 

Despite disputing these entries, the bureaus have continued to report them without supplying clear, verifiable documentation that proves these debts are legitimate, accurately reported, or legally enforceable. The FCRA mandates that credit bureaus must verify the accuracy and completeness of any disputed information and remove anything that can not be fully substantiated. The presence of charge-offs with {$0.00} balances, along with duplicate XXXX accounts, is a clear red flag that either poor data handling or systemic reporting errors are occurring. Given the scale of modern data breaches and the prevalence of compromised consumer records, it is no longer acceptable for the bureaus to take reported items at face value without first securing original documentation from furnishers. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), all consumer reporting agencies are required to conduct a reasonable reinvestigation of any item in a credit report that is disputed by the consumer. In addition, 15 U.S.C. 1681e ( b ) mandates that the bureaus maintain maximum possible accuracy in the information they report. If any of these accounts were reported without the furnishers providing a full paper trailincluding contracts bearing my signature, billing histories, and documentation proving delinquencythen these items should not be appearing on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
CFPB Complaint Unauthorized Cryptocurrency Transactions Category : Bank account or service Subcategory : Problem with a transaction or unauthorized charges Company : The Golden 1 Credit Union Product : Checking Account What happened? : I am filing a formal complaint against The Golden 1 Credit Union for refusing to reverse or reimburse unauthorized cryptocurrency transactions made through XXXX XXXX, XXXX, and XXXX, which were processed through my Golden 1 Credit Union account. 



On XX/XX/year>, I discovered multiple unauthorized cryptocurrency transactions totaling {$6700.00}. I did not authorize these purchases, nor did I provide anyone with access to my account. As soon as I became aware, I reported the transactions to The Golden 1 Credit Union, filed disputes, and followed their procedures.

I also took the following actions to report the fraud : Filed a police report with my local law enforcement agency Reported the incident to the Federal Trade Commission ( FTC ) Submitted fraud alerts and complaints to XXXX XXXX, XXXX, XXXX XXXX and the FCC. Contacted my banks fraud department and provided documentation ( screenshots, timelines, correspondence ).

Despite these efforts, The Golden 1 Credit Union denied my claim without a detailed explanation of the decision or evidence supporting their findings. I have requested a reconsideration and escalation, which has not yet resulted in a fair review.

This appears to be a clear violation of my rights under Regulation E, which protects consumers from unauthorized electronic fund transfers. The transactions were not authorized by me, and I reported them promptly within the required timeframe.

I am requesting the CFPBs assistance in investigating this issue and ensuring that The Golden 1 Credit Union complies with its legal obligation to protect consumers and review disputes in good faith.

I believe a fair resolution to my issue is to refund my hard earned money back into my Golden 1 Credit Union bank account.

Reopen my fraud dispute claim. Reverse the unauthorized cryptocurrency charges. And ensure compliance with Regulation E protections in my favor ( A hard working U.S. Tax Paying Citizen ).

Attachments you may want to include when submitting : Police report Screenshots of the transactions Correspondence with your bank, XXXX, XXXX XXXX, and XXXX XXXX. 
Complaint confirmation XXXX XXXX 
Denial email from your bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-05-23 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: NV

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: Kikoff Inc.
State: TX

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c- 2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am disputing this alleged debt you claim I owe. I am formally disputing this debt under the FDCPA 15USC 1692g. 
The amount you are trying to collect is higher than the total credit limit on the original account. This raises serious concerns about the validity and accuracy of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: OH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

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