vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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:
My account at Coinbase was created in XXXX. When I was robbed of my phone in XXXX in XXXX I was locked out of my original e-mail, I could not change my email and login again for a long time. They only accepted US driver 's license and mine was expired. American passport wasn't accepted. Only last year I renewed my DL.

My coinbase wallet never worked. When I complained to activate it, they froze my ability to buy crypto creating on XXXX XXXX a huge financial burden on me as I couldn't buy crypto when it was very low in the last 6 months. They also cancelled my sell positions without warnings. I could only sell and have my money sitting in my account. 

However, I couldn't even transfer my money to my registered bank account when I was in XXXX. They said the service wasn't available in that jurisdiction. Now in XXXX I tried to withdraw money and my account entered review for the nth time. Finally found a support agent and he told me my XXXX bank account was removed. 

I have provided all the documents numerous times. Couldn't talk to a support agent most of the time. They said the decisions were final by email and didn't explain why. My money is basically frozen and my account hijacked by a dishonest company who punishes serious and honest citizens in a sector where a lot of customers are dishonest and laundering money. I chose Coinbase because it was a public and regulated company. My biggest mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am purchasing a home in New York and applied for a mortgage with Citizens Bank. Here is the outline of what happened : - On XX/XX/year> I received the Loan Estimate. Several title-related fees were listed in Section C ( shoppable services ), but no {$1500.00} Title - Attorney Fee in either Section B or C ( Attachment XXXX ). 

- The written service-provider list did not include any bank/lender attorney. During the process I emailed the loan officer asking to have my own attorney act as the bank attorney ; the request was ignored ( Attachment 2 ). 

- On XX/XX/year> I received the Closing Disclosure. A {$1500.00} Title - Attorney Fee was added in Section C with no prior notice or explanations ( Attachment 3 ). 

- I sent formal emails to the lender on XX/XX/XXXX and XX/XX/XXXX requesting an explanation or correction ; no written response has been provided ( Attachment 4 ). 

Because I was never allowed to shop for this service and it was omitted from the Loan Estimate, the fee violates the TRID good-faith tolerance requirements in 12 C.F.R. 1026.19 ( e ) ( 3 ) ( i ) & ( iii ) ( undisclosed or mis-categorized fees are subject to a zero-tolerance cure unless a valid changed circumstance exists ). 

I therefore believe Citizens Bank must cure the {$1500.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: OH

Complaint narrative:
Transunion, Equifax, and Experian are reporting inaccurately on my credit report. 

This account is inaccurately reported as charged off and in collections, yet it continues to show an outstanding balance. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain reasonable procedures to ensure maximum possible accuracy of information. The continued reporting of this account with an outstanding balance despite its charged-off status constitutes a violation. 

I am concerned that my privacy rights have been violated through unlawful communication, as outlined in 15 U.S.C. 1681b, which prohibits the use of consumer reports without permission. 

This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and to delete immediately off my credit report. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act Account has been sold to First National Collect Bureau Please Delete off of my credit report as the credit bureaus continue to do sham investigations. As a result of the sham investigation Im owed {$1000.00} per violation. Please Delete

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 2025-06-07 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: OH

Complaint narrative:
Transunion, Equifax, and Experian are reporting inaccurately on my credit report. 

This account is inaccurately reported as charged off and in collections, yet it continues to show an outstanding balance. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain reasonable procedures to ensure maximum possible accuracy of information. The continued reporting of this account with an outstanding balance despite its charged-off status constitutes a violation. 

I am concerned that my privacy rights have been violated through unlawful communication, as outlined in 15 U.S.C. 1681b, which prohibits the use of consumer reports without permission. 

This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and to delete immediately off my credit report. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act Account has been sold to First National Collect Bureau Please Delete off of my credit report as the credit bureaus continue to do sham investigations. As a result of the sham investigation Im owed {$1000.00} per violation. Please Delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
Per the FCRA as a federally protected consumer I am opting out of any and all authorization to report any information on my consumer report. It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX Form of opt out notice to consumers ; opt out methods. ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. The Privacy Act of XXXX ( 5 U.S.C. 552a ) is a United States federal law that establishes a Code of Fair Information Practice governing the collection, maintenance, use, and dissemination of personally identifiable information by federal agencies. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. 15 U.S. Code 6805- Enforcement. Consumer Financial Protection Act of XXXX [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows

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 2025-06-07 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: HI

Complaint narrative:
I trust this letter finds you well. I am writing to formally dispute the presence of a late payment reported by your organization on my credit report. I believe these late payments to be inaccurate, and I kindly request their removal in accordance with applicable laws and regulations. 

Account Information : XXXX XXXX  XXXX - Account Number : XXXX - Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX Account Information : XXXX XXXX  Account Number : XXXX - Date ( XXXX ) of Late Payment ( XXXX ) : 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
Consumer complaint received 2025-06-07 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: AL

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, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: WA

Complaint narrative:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
There were transactions that showed up on my debit card from XXXX. I disputed them I was issued a provisional credit for 3 of the unauthorized chargers in the amounts of {$4.00}, {$9.00}, and {$49.00}. then when the case was finalized, they closed the case in my favor for the {$4.00}, and the {$9.00}, but said that they contacted the company and the {$49.00} was authorized and they took the credit back. How is it possible that the same company for the other chargers be approved as unauthorized, but not the other charge makes no sense. I called today and she told me that the case was valid, and the company determined the {$49.00} was valid but not the other chargers for the same company around the same time. Then they hung up in my face and didn't answer when I called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
I want to be unequivocalthis complaint is not being submitted in error. My credit report contains inaccurate information that violates the legal requirement for maximum possible accuracy. These errors are inflicting ongoing harm on my financial health and overall well-being. This situation is entirely unacceptable. The burden it has placed on me, particularly during already difficult circumstances, demands immediate and corrective action without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: KS

Complaint narrative:
I switched my cellular service from XXXX to XXXX. My access to all statements, contracts, and the my XXXX XXXX was cut off instantly as soon as I did this. XXXX does not send these details in electronic communication relying instead on their portal. So I have no access to any records to verify the debt I may owe them. I have spoken with XXXX several times and requested an itemized list of these charges and they continue to send general non itemized statements and have not allowed me to access the needed files to verify the debt. They have also contracted with CBE Group to collect these debts. CBE group tells me that once I switched XXXX agents do not have access to the data. I requested an itemized statement again from CBE Group. I received another non itemized statement with no documentation to backup these charges. I need this data to be reimbursed by my new carrier and refuse to pay until this information is made available to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Management Services, LP
State: CA

Complaint narrative:
I was assigned a settlement from XXXX  XXXX XXXX. The dates of the payments were XXXX, XX/XX/year>, XXXX. I met the first XXXX payments on time and even early for the second. The last payment however I could not make because they ruled my account ineligble to use the portal to pay the last one. So I could not pay this off and now they sent it off to a collection agency who I have to work with so this doesn't show up on my credit score etc. I was able to do anything with the last payment and only got XXXX letter saying " it wasnt met, sent to another agency '' Never got anything else, never got a written letter, which they said in an email I should get at the begginng of the settlement and never got a warning email or letter about this late payment I could not pay. I have a checkless debit account so I could not do that either as well they never asked or called for options. This is very malicious and very unfair to myself as I had to pay the collection agency today to avoid credit penalty. If this can be reversed and I can get my money back from the agency that would be best, I am willing to pay the last payment for them but only if they provide something I can use to pay it. I can not use checks or wire. This seems like a malicouis attempt by XXXX  XXXX XXXX. The date of e-bill service is incorrect as well, this email for that was sent AFTER the due date where I COULDNT pay the last 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 explanation
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I am submitting this complaint because an auto loan account from XXXX XXXX XXXX is inaccurately reported on my credit report as a charge-off/profit and loss write-off, and I believe this reporting violates the Fair Credit Reporting Act ( FCRA ). 

Account Info : Creditor : XXXX Account Number : XXXX Type : Auto Loan Issue : Charge-off reported as " profit and loss write-off '' According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. Additionally, under 1681i ( a ), I have the right to a reinvestigation of any disputed item. I submitted a dispute requesting verification of the account, including proper documentation showing when and why the account was charged off, and whether it was sold, settled, or transferred. I did not receive a valid response or full documentation from the creditor. 

Further, under 1681s-2 ( b ), furnishers of credit information are required to investigate and correct any inaccurate or incomplete information after being notified of a dispute. Despite this, the account continues to be reported inaccurately. 

I am requesting the CFPB to assist in investigating the following : Whether the creditor has documentation to support the charge-off and classification as a profit and loss write-off. 
Whether this charge-off was sold or settled and should no longer reflect a balance. 
Whether any post-charge-off interest or balance reporting violates FCRA accuracy standards. 
That this account be corrected or removed entirely if it can not be 100 % verified with proper records. 
This negative item is causing harm to my credit profile, and I am seeking assistance in having it removed or corrected per my rights under the FCRA. 

Thank you for your help in resolving this issue.

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 2025-06-07 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) # XXXX XX/XX/XXXX -- {$75.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5300.00}

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 2025-06-07 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) # XXXX XX/XX/XXXX -- {$75.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5300.00}

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 2025-06-07 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: AZ

Complaint narrative:
To be absolutely clear, this is not a mistaken complaint. My credit report reflects inaccurate and unverifiable data that fails to meet the legal standards for accuracy. These errors are actively damaging both my finances and my peace of mind. I should not be forced to carry this burden any longerit is unjust and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Saturday morning, XX/XX/year>, I purchased a XXXX gift card in person from XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, for the amount of {$25.00}. 

A few days later on Thursday morning, XX/XX/XXXX, my mother called me to let me know that she attempted to use the gift card at a XXXX location but was told they could not run the card. And when my mom insisted there should be {$25.00} on the card as she had just opened it, they told my mom they believed the gift card had been tampered with. 

I contacted XXXX customer service myself on Thursday evening, XX/XX/XXXX, and provided them with the gift card number and PIN. The customer service representative informed me that the gift card balance was {$0.00} -- and that's why my mom was not able to use the card. 

I asked who had used the card and how and when the gift card was used. They could not provide me with any names or addresses but told me the card had already been used for XXXX separate online transactions on XXXX, equaling exactly {$25.00}. 

I then contacted Bank of America since I had used a Bank of America Visa XXXX when I bought the gift card. I submitted a claim for the amount of {$25.00} and provided documentation, including pictures of the gift card with barcode, number, and PIN as well as the receipt of the transaction at XXXX and a detailed letter of what had happened. 

Both XXXX and XXXX customer service informed me they could not reimburse me in any way as all gift card sales were final. 

After a few days, Bank of America denied my claim without any clear explanation.

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