vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There were XXXX transactions made, using XXXX to transfer money, that were completed fraudulently. 
The bank refused to cover the fraudulent transactions, because they said I obviously sent the money myself. The person must have known all my account information, including passwords, email access, and phone number, to pretend it was me sending the money. I don't even know the person who made the transactions. Therefore, someone working for Wells Fargo must have obtained my account information, because they are the only ones that have all the information about my account, and transferred the money from my account. 
{$3400.00} was transferred out of my account on XX/XX/25, and {$230.00} was transferred out of my account on XX/XX/25. 
I filed a report with the police department in XXXXXXXX XXXX where I live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I made a purchase at XXXX for {$100.00}. The transaction initially posted and appeared to be completed. 

On XX/XX/XXXX, the authorization for the XXXX transaction expired. At that point the {$100.00} was returned to my available balance without any warning or indication that the funds were provisional or could still be taken. At that time, my account balance was {$0.00} before the {$100.00} appeared. 

Relying on the available balance shown in my account, I made purchases and transferred funds on XX/XX/XXXX. Later the same day, XXXX re-presented the original {$100.00} charge. Chime processed the re-presentment, that is when my account went negative ( approximately {$100.00} ), even though overdrafts are not permitted on my account. 

I contacted Chime multiple times by phone and requested an explanation and resolution. I was told this was due to a delayed merchant authorization and re-presentment. I requested escalation and a one-time courtesy credit because the funds were presented as available and transferable without disclosure of risk. I was disconnected while waiting for escalation, and when I later spoke with a supervisor, I was told courtesy credits could not be authorized at this time. 

I am not disputing the XXXX charge. I am requesting correction of the negative balance caused by delayed settlement and lack of clear disclosure regarding the availability of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: VA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: FL

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: LEXISNEXIS
State: GA

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: GA

Complaint narrative:
A {$1900.00} payment was sent to Citibank/Home Depot on XX/XX/year> to pay off my account. The check was cashed/deposited, yet the balance was never credited. Despite multiple phone calls and written correspondence, Home Depot continues to state the matter is under investigation.

I have provided a copy of the cashed check from the consolidation company, which clearly shows it was payable to Citibank and includes my name and account number. As of today, the account remains unpaid due to Citibanks failure to properly apply the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My wife and I filed XXXX XXXX XXXX  in XX/XX/XXXX. The only secured debt we had was our mortgage through XXXXXXXX XXXX. Our lawyer did not include XXXX  in the XXXX  and prior to XXXX  in XX/XX/XXXX we paid off the mortgage and got a letter of lien release. 
All the other debt in the XXXX  was unsecured through other creditors. 
At this same time my homeowners insurance was cancelled without cause and I had to scramble to find insurance at XXXX  times the rate I had. 
I checked my credit report in XXXX of XXXX and it showed XXXX  XXXX  as XXXX in XXXX which is not at all accurate. I made a complaint to regions and also to all three reporting agencies with no results or response. 
During this period of time I had occasionally checked and it is still there. My wife called XXXX again today and offered to send a copy of the court record of our XXXX  to prove they were not included and paid off prior to the discharge and they denied us tha opportunity. 
We fully understood the repercussions of XXXX  and accepted the responsibility of it as I was diagnosed with XXXX  XXXX XXXX and was no longer able to work. 
But XXXX was never a part of the XXXX  and was paid in full prior. Their inaccurate reporting has cost me approximately {$10000.00} in insurance costs extra because every insurance company thinks my house is in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian was placed on notice of inaccuracies in my consumer file and has refused to remove all erroneous contact information that does not belong to me. 

During my call with Experian to correct visible incorrect addresses and phone numbers, I was informed during that call that additional personal identification information and an auto loan inquiry dated around XX/XX/2022 were associated with my account, even though this information was not visible to me on the report I obtained. 

Experian continues to publish inaccurate personal information after notice, including addresses and phone numbers that are not mine. Experian also continues to report tradeline inaccuracies previously identified in my earlier dispute, and those items remain on my report. 

Experian lists XXXX XXXX with incorrect contact information, which prevents me from conducting a direct dispute with the furnisher. 

The continued publication of this information violates 15 U.S.C. 1681e ( b ) ( reasonable procedures to assure accuracy ), 15 U.S.C. 1681i ( a ) ( failure to delete inaccurate information after dispute ), 15 U.S.C. 1681c ( a ) ( continued reporting beyond permissible periods where applicable ), and 15 U.S.C. 1681b ( publication without a permissible purpose where applicable ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collections Acquisition Company, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My wife and I filed XXXX XXXX XXXX  in XX/XX/XXXX. The only secured debt we had was our mortgage through XXXXXXXX XXXX. Our lawyer did not include XXXX  in the XXXX  and prior to XXXX  in XX/XX/XXXX we paid off the mortgage and got a letter of lien release. 
All the other debt in the XXXX  was unsecured through other creditors. 
At this same time my homeowners insurance was cancelled without cause and I had to scramble to find insurance at XXXX  times the rate I had. 
I checked my credit report in XXXX of XXXX and it showed XXXX  XXXX  as XXXX in XXXX which is not at all accurate. I made a complaint to regions and also to all three reporting agencies with no results or response. 
During this period of time I had occasionally checked and it is still there. My wife called XXXX again today and offered to send a copy of the court record of our XXXX  to prove they were not included and paid off prior to the discharge and they denied us tha opportunity. 
We fully understood the repercussions of XXXX  and accepted the responsibility of it as I was diagnosed with XXXX  XXXX XXXX and was no longer able to work. 
But XXXX was never a part of the XXXX  and was paid in full prior. Their inaccurate reporting has cost me approximately {$10000.00} in insurance costs extra because every insurance company thinks my house is in 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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My wife and I filed XXXX XXXX XXXX  in XX/XX/XXXX. The only secured debt we had was our mortgage through XXXXXXXX XXXX. Our lawyer did not include XXXX  in the XXXX  and prior to XXXX  in XX/XX/XXXX we paid off the mortgage and got a letter of lien release. 
All the other debt in the XXXX  was unsecured through other creditors. 
At this same time my homeowners insurance was cancelled without cause and I had to scramble to find insurance at XXXX  times the rate I had. 
I checked my credit report in XXXX of XXXX and it showed XXXX  XXXX  as XXXX in XXXX which is not at all accurate. I made a complaint to regions and also to all three reporting agencies with no results or response. 
During this period of time I had occasionally checked and it is still there. My wife called XXXX again today and offered to send a copy of the court record of our XXXX  to prove they were not included and paid off prior to the discharge and they denied us tha opportunity. 
We fully understood the repercussions of XXXX  and accepted the responsibility of it as I was diagnosed with XXXX  XXXX XXXX and was no longer able to work. 
But XXXX was never a part of the XXXX  and was paid in full prior. Their inaccurate reporting has cost me approximately {$10000.00} in insurance costs extra because every insurance company thinks my house is in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear XXXX, I am writing to dispute the following information reported on my credit file by the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion ( TU ). These accounts contain inaccuracies and require immediate investigation and correction. Please review the following details of the disputed items : CHARGED OFF 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 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 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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I have held a Coinbase account for approximately 11 years. My account has been restricted for an extended period, preventing access to my funds, without any clear explanation or allegation of wrongdoing communicated to me. 

In XX/XX/year>, Coinbase contacted me regarding my account and portfolio. I promptly responded and complied with all instructions. After continued lack of resolution, I opened a support case seeking clarification on the reason for the restriction, whether any additional verification or documentation was required, and a timeline for releasing my funds. 

Coinbases responses were inconsistent and largely automated. No clear reason for the restriction, no timeline, and no concrete resolution path were provided. I was not asked to complete identity verification or submit additional documentation. 

Due to prolonged inaction, I filed a CFPB complaint on XX/XX/year> ( CFPB case number : XXXX ). Coinbase responded to the CFPB stating that my case was being actively worked or resolved. 

However, despite that representation, I did not receive a substantive update or resolution. In addition, the response Coinbase provided referenced an internal case number that had already been marked closed, which did not correspond to any active resolution of my account restriction and added further confusion. 

Following that response, I began receiving automated emails stating that I must respond or my case would be closed. When attempting to respond, the reply or view function led to a non-functional or circular interface that prevented meaningful communication. Despite these closure warnings, Coinbase did not provide a working method to respond or engage with a representative. 

I also received additional automated account notices referencing dollar amounts and percentages without explanation, which did not address the restriction or provide clarity. 

As of today, Coinbase has stopped responding entirely. My funds remain inaccessible, I have not received the information or resolution requested, and XXXX actions do not align with its representations to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: VA

Complaint narrative:
After disputing, Equifax continues to report accounts on my credit file that are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents with each account listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am writing to dispute certain accounts and inquiries that I have noticed on my credit report. These accounts and inquiries are inaccurate, and I am seeking to have them corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). Below, I have separated the disputed accounts and inquiries by each credit bureau. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} Inquiries : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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