vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XXXX and XXXX Cash App allowed someone to link my bank debit card to their account and successfully withdraw XXXX twice. I have noticed the withdrawals on my account XXXX and immediately reported to my bank, my bank did not provide provisional credit and stated I no fraud was detected. I then filed appeal with bank and reached out to cash app. Cash app has not refunded my funds yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, Coinbase emailed me that my account would be closed and I had until XX/XX/XXXX to withdraw my assets. I followed all instructions : I verified my ID, address, and bank ( XXXX ) through XXXX and received confirmation from both Coinbase and XXXX 

Despite this, I was blocked from withdrawing my funds. The Verify Now button does nothing. On XX/XX/XXXX, I spent over XXXX hours in chat with XXXX Coinbase agents, who repeated steps but never resolved the issue. I reinstalled the app, used a new device, and followed every direction. I was told there were no restrictions on my account, yet I still couldnt withdraw. 

As of XX/XX/XXXX, I have {$2900.00} in crypto and {$2900.00} in cash stuck in my account. Ive done nothing wrong or illegal and Coinbase has provided no real solution. This caused serious stress and financial harm to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-12 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: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Service Company
State: TX

Complaint narrative:
Im following up on my complaint ( ID : XXXX ). The responding company has now missed its deadline for reply. 

Due to the lack of response, Im asking the CFPB to escalate this issue and urge the credit bureaus to remove the tradeline in question. This account has not been validated, and their failure to communicate further supports its inaccuracy. 

I respectfully request deletion of the associated tradeline based on this noncompliance and lack of response within the required timeframe.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To Whom It May Concern, I'm writing to formally dispute inaccurate information reporting on my credit file regarding the XXXX account ( XXXX ). Despite multiple disputes and communications, the credit bureaus have continued to inaccurately report this account as a charge-off, with multiple charge-offs spanning from XXXX through XXXX. This is completely false and misleading. This account was settled and closed, not charged off. I reached a settlement agreement with XXXX, and the account was closed accordingly. The current reporting grossly misrepresents the nature and status of this account, and it is damaging my credit profile without justification. Furthermore, the credit bureaus have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). Simply verifying the data with the furnisher ( in this case, XXXX ) without conducting a full and fair review does not meet the standard set forth in the FCRA. I am requesting that this entry be properly updated to reflect the accurate status : " Account Closed Settled ''. The repeated reporting of multiple charge-offs over a multi-year span is not only inaccurateits irresponsible. This letter serves as formal notice under the FCRA that I am demanding an immediate and thorough reinvestigation of this item. If you are unable to verify this information with complete and accurate documentationincluding evidence of any alleged charge-offsthen this item must be deleted or corrected to reflect the proper status. Failure to properly investigate and correct this error will leave me no choice but to escalate the matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal counsel for FCRA violations. Please send me written confirmation of the results of your reinvestigation within the required 30-day timeframe. I expect this matter to be resolved promptly. 
Sincerely, 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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to report an ongoing and highly distressing case of cyber fraud that has resulted in substantial financial losses across multiple accounts and platforms. I believe I am being deliberately targeted by a hacker or an organized group of cybercriminals. 

The situation began with my business account at Chase Bank, from which {$2400.00} was stolen and transferred to another account under my name on XXXX XXXX, without my authorization. That money was then stolen from XXXX XXXX, leaving my account empty. 

After I disputed the unauthorized transactions, Chase initially refunded the disputed amount ( approximately {$3000.00} ). However, XXXX XXXX subsequently reversed the refund, pulling funds from my Chase account and overdrafting it by {$2000.00}. Shortly thereafter, the money again disappeared from XXXX XXXX, resulting in another overdraft of {$1800.00}. Eventually, both Chase and XXXX XXXX closed my accounts and are now holding me responsible for nearly {$4000.00} in negative balancesdespite my status as a victim in this situation. 

In total, I have now lost close to {$10000.00} due to fraudulent transfers, unauthorized access, and lack of effective response from either institution. 

To make matters worse, my XXXX account was also compromised. Just today, I had {$80.00} in the morning, and by evening, only {$20.00} remained, with no record of a transaction. This same issue occurred XXXXmy balance dropped from {$120.00} to {$40.00}, again without any transaction history. It appears that transactions are being executed and then deleted to avoid detection. 

I have already filed reports with local law enforcement and the FBI, but to date, no investigation has been completed, and no resolution has been provided. I feel abandoned, targeted, and financially destroyed through no fault of my own. 

I am respectfully asking for : Guidance on how to escalate this matter through the appropriate legal or government channels, Assistance in recovering my stolen funds, Protection from further financial abuse, and A full forensic audit of all affected accounts. 

Please treat this matter with urgency. I am trying to resolve this through all legal means, but without institutional support, I am left vulnerable and without recourse. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
This has been removed several times because its not valid. I need proper validity of said account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 2025-06-12 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These inaccuracies have been detrimental to my life and credit health.

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 2025-06-12 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These inaccuracies have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
I received a finalized report from Equifax concerning a reinvestigation on my XXXX XXXX Account # XXXX. On XXXX I disputed this account initially. While the investigation was pending, I received a letter from Equifax requesting proof of identity. I believed this to be a delay tactic because I provided the CFPB proof of address and identity attached to the dispute from XXXX. When I brought this truth to Equifax, on XXXX I received notification that Equifax completed the investigation including contacting the furnished of the information and verified this item belongs to me. On XXXX I requested my dispute be expedited due to the delay tactic request for address and identity verification. On XXXX the reinvestigation was complete with the exact same outcome as the XXXX results. The XXXX XXXX account in question has REPEATEDLY reported charge offs every month since the initial charge off date of XX/XX/year>! Every time the account updates, the statute of limitations is extended ; every update makes this account look newer than what it is, and re-aging an account is illegal. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. The Equifax company failed to investigate this dispute properly TWICE and this negligence and neglect has violated my rights and caused my score to consistently decline since XXXX and is affecting my livelihood and credibility - I waited nearly two months for the same outcome and next month will make 2 years of illegal and false reporting. I am demanding a COMPLETE deletion of this XXXX XXXXXXXX account # XXXX reflected opened XXXX immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a complaint against APPLE CARD/GS BANK USA for failing to properly investigate, verify, and correct inaccurate information on my credit report. Despite submitting a detailed written dispute and requesting the Method of Verification, APPLE CARD/GS BANK USA has continued reporting multiple unverifiable and factually incorrect account. These errors have negatively affected my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). I have requested verification of this alleged delinquency and any documentation validating its accuracy. APPLE CARD/GS BANK USA has not provided evidence and I believe this reporting is incorrect and damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-06-12 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: MA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: OR

Complaint narrative:
I received a debt in the amount of {$220.00} that was opened on XX/XX/XXXX XXXX XXXX from XXXX. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not, please delete this account as soon as possible from my report or I will have to take 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 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Discharged from bankruptcy XX/XX/XXXX, tried to refinance my Ally Financial Auto Loan XX/XX/XXXX. Ally, according to prospective financiers, was difficult to get information from regarding my loan, and had no interest in reporting my reaffirmed loan on my credit report to help the refinance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: GA

Complaint narrative:
Iam a victim of identity theft theft theft I never attended XXXXXXXX XXXX I have went to the police. I have disputed with the 3 major credit bureaus. I have disputed with XXXX XXXX  which they closed the account and made a XXXX balance due. I have disputed with ed financial and they have not taken the loans off of my credit. I filed a police report on XX/XX/XXXX I went back to the police on XX/XX/XXXX because the loans are still affecting my credit. Someone fraudulently took out student loans on XX/XX/XXXX two separate loans one for {$1100.00} and {$2000.00} on XX/XX/XXXX XXXX XXXX at XXXX closed my account. On XX/XX/XXXX I mailed supporting documents to u.s department of education, federal student aid, XXXX XXXX XXXX XXXX XXXX XXXX via certified mail. On XX/XX/XXXX I also reported to the federal trade commission report number XXXX. Please help this is affecting my credit and goals.

Company response to consumer: Closed with explanation