vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Urgent Update to Complaint Coinbase Procedural Misclosure While CFPB Case Is Active Dear CFPB Case XXXX, I am submitting an important update regarding my pending complaint against Coinbase. 

Today, Coinbase informed me ( in writing ) that : They unilaterally closed my internal Coinbase complaint, They declared my complaint not upheld, And stated that we consider both the matter and the complaint closed. 

This action occurred while my CFPB complaint is still open and active. 

This creates multiple procedural issues that require CFPB awareness : XXXX. Coinbase closed my case prematurely during an active CFPB investigation This appears to violate CFPB complaint-handling expectations and creates an impression that Coinbase is : attempting to bypass the federal review process, misrepresenting the status of an open complaint, and blocking me from accessing their internal complaint procedures. 

XXXX. Coinbase did not conduct any proper investigation They closed my case without : requesting any documents from me, reviewing transaction records, providing any explanation of their compliance actions, addressing XXXX XXXX in outbound XXXX XXXX transfers associated with a fraudulent platform ( XXXX ). 

This premature dismissal raises questions about their complaint-handling practices. 

XXXX. The wording used by Coinbase may mislead consumers By stating : We consider both the matter and the complaint closed.

Coinbase is giving the impression that they can unilaterally terminate a complaint that is under CFPB review.

This creates confusion for consumers and may indicate non-cooperation with CFPB oversight. 

I respectfully request that CFPB note the following : ( XXXX ) Coinbases premature closure should not be considered a valid resolution since the case is pending with CFPB. 

( XXXX ) Coinbase should be required to respond directly and fully through the CFPB system as mandated. 

( XXXX ) This update be added to my complaint file for review by CFPB investigators. 

Thank you for your continued assistance. 
Please let me know if any additional documentation is needed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding several accounts that are inaccurately reported on my credit reports. These disputes pertain to charged-off accounts and inquiries that I believe require further investigation under the Fair Credit Reporting Act ( FCRA ). Please find below the details of the disputed items, separated by credit bureau : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Inquiries : 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 non-monetary relief
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
Please look over whats provided ; the inquiries were unexpected and could be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NJ

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX  AND XXXX  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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the XXXX data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report. 
These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof. 
I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX XXXX and reflected on my report with Equifax Inc. The account is identified as account number XXXXXXXX XXXX XXXX I do not recognize this account, and I believe it has been included on my credit report without proper authorization.

I submitted a formal dispute with Equifax Inc, requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section 604 ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose. 
Despite my dispute, Equifax Inc responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability, as upheld by case law like XXXX XXXX XXXX XXXX XXXX. 
Additionally, the actions of Equifax Inc and XXXX XXXX account number XXXXXXXX XXXX XXXX may constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MD

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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I reported my debit card lost/stolen due to fraud on XX/XX/XXXX and again on XX/XX/XXXX. The bank issued a new card but failed to disable the 'Account Updater ' service. This allowed fraudsters to charge my new card immediately via subscription services I did not authorize. 

When I called on XX/XX/XXXX, the XXXX representative refused to escalate the call to the fraud department supervisor, stated that subscriptions are allowed to bypass fraud blocks, and refused to provide his full name or employee ID.

The bank is in violation of Regulation E by refusing to investigate unauthorized transfers totaling {$1900.00}. 

The unauthorized charges are : XX/XX/XXXX - XXXX  - {$240.00} XX/XX/XXXX - XXXX  XXXX  - {$9.00} XX/XX/XXXX- XXXX XXXX  ( {$1.00}, {$18.00} ), XXXX ( {$5.00} ), XXXX ( {$11.00} ) XX/XX/XXXX - XXXX ( {$8.00}, {$74.00} ) XX/XX/XXXX XXXX XXXX XXXX ( {$1500.00} ), XXXX ( {$63.00}, {$18.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently looked at my credit report and I noticed several accounts reporting inaccurate. I saw XXXX to XXXX accounts reporting Late payments. I know for a fact that all my account are paid on time because I have all of my accounts on auto pay each month the bill is paid on time. The consumer reporting agencies need to update these accounts with complete accuracy. These accounts have never been late, I am attaching a copy of my report to this complaint on these accounts. Could you please investigate these accounts and update them to paid on time immediately. Thank You for your time and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I deposited {$3000.00} ( XXXX {$100.00} bills ) into a PNC bank ATM at a PNC bank XXXX the machine took in all the cash as normal, and said processing on the screen for a longer than normal time, then made several loud noises, After that an error processing you deposit message came up on the screen, no cash was returned. a receipt that said error was printed out with no other info on it. I went in and the tellers knew right away there was a problem because they heard the noise from the machine inside the building. I spoke with bank manager and filed a dispute. Bank credited me the money a week later. then after about a month they said I never made a deposit and they reversed the credit on my account. 
I asked them to reinvestigate and provide proof that I didn't make a deposit and they denied me any evidence or information regarding there " investigation '' Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
Ive been a customer with American Express for around XXXX years. I make my payments on time every month, the requirement minimum payment set by them or more, and have paid the card off several times. Ive also had an income increase. Recently I tried to make a purchase and out of nowhere, on XX/XX/XXXX, my payment was declined and I then received an email that my account was under review and my credit limit would be decreased unless I pay them {$1400.00}. My payments were up to date and my next minimum payment of {$150.00} wasnt due until XX/XX/XXXX. I had a balance of {$5700.00} but my credit limit was {$12000.00} So I called. XXXX different people told me I would have to pay the {$1400.00} by XX/XX/XXXX ( XXXX  days ) or my limit would be decreased and the reasons given were because I carried a balance XXXX  they just want to make sure I can make a larger payment. I was upset because that will negatively impact my XXXX XXXX and also it is right at the holidays. I told them I have made at least the minimum required payment set by them and now I am being negatively impacted even though I have been a responsible cardholder with them. They XXXX  not budge. Today, I see that my limit has been decreased to {$6400.00}. They have made it so my credit card is maxed out and this will hurt my credit. I have done nothing wrong financially. Please look into this. This can not be considered ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccuracies on my credit report with respect to certain accounts listed below. The accounts and information have been incorrectly reported, and I respectfully request that these items be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Please find the details of the accounts in dispute separated by credit bureau below. 

INQUIRIES XXXX XXXX XXXXXX/XX/year> LATE PAYMENT XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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 am writing to dispute certain information on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit file, I have identified several discrepancies and inaccurate entries that need to be corrected. I respectfully request that you investigate and resolve these matters promptly. Below are the details of the disputed items : 1. FCRA Violations : Incomplete or Inaccurate Reporting : The reported information does not match my records or fails to reflect accurate payment history, balances, or account statuses. 
Failure to Update Information : Accounts that have been paid off or settled are still reflected as open or charged-off. 
Outdated Information : Items that should have been removed based on the FCRA 's 7- year rule for negative accounts are still being reported. 
Data Breach : I believe that my personal information may have been compromised in a recent data breach, which could explain the inaccurate information being reported. 
Below are the specific accounts that I am disputing : Disputed Accounts : 1. XXXX, XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} o Status : Collection o Issue : Account information disputed by consumer. The reporting should reflect the dispute status accurately. 
XXXX. XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} o Status : Collection o Issue : Account information disputed by consumer. The reported status should reflect that the dispute is ongoing. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} o Status : Collection o Issue : The account should reflect the disputed status properly, as the balance and payment history are contested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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