vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: CBC Companies, Inc.
State: KS

Complaint narrative:
I am a victim ofXX/XX/XXXX I am a victim of identity theft also. Both go hand in hand. XXXX caused the other. There is inaccurate information on my Innovis report and they refuse to delete the inaccurate information. The address listed on the report for XXXX XXXX XXXX account numberXX/XX/XXXXXXXX also has an address listed that I have never lived at. I do not live at. Nor can I receive any mail there. 

XXXX XXXX XXXX, XXXX XXXX, KS XXXX is an incorrect address. FCRA XXXX ( b ) and XXXX as well as Metro 2 compliance clearly state that this item should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
Im submitting this complaint regarding my loan with XXXX XXXX. Ive been making my scheduled payments as agreed, but I am now facing financial hardship and I I can no longer afford the biweekly payment schedule. I contacted XXXX XXXX to ask for options such as deferring payments or switching to a monthly schedule but was told no changes could be made. Despite my efforts to stay current, the interest keeps increasing every time I make a payment, which prevents me from making progress on the balance. At this point, Ive already paid a significant amount toward the loan and can no longer afford to continue at the current terms. Im requesting that XXXX XXXX settle the account for what has already been paid and consider the loan paid in full due to my financial hardship.

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 2025-10-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, my Coinbase account was compromised through an unauthorized login from a foreign IP address. Immediately after this unauthorized access, the intruder liquidated my entire cryptocurrency portfolio approximately XXXX assets into USD, resulting in an initial loss of around $ XXXX. The attacker then executed XXXX rapid internal trades within roughly XXXX minutes, causing a total financial loss of about $ XXXX. 

I reported the unauthorized activity to Coinbase on the same day. Coinbase later confirmed that both the login and the trades were unauthorized but has not provided a full forensic report or explanation of how their security systems failed. Despite my account having a passkey enabled and SMS disabled ( Coinbases recommended secure configuration ). 

Coinbases automated systems also failed to identify the abnormal trading pattern as fraudulent. Instead, they automatically upgraded my account to Coinbase XXXX XXXX, granting VIP status zero-fee trading, and a personal concierge to the attacker. Around the same time, XXXX unauthorized Coinbase debit card transactions totaling $ XXXX were flagged and canceled for suspected fraud yet no lock or verification was triggered on my account. 

The attacker successfully altered or disabled critical trade notification settings ( Filled and Cancelled alerts ) to hide the activity. The accounts eventual safety was only secured after manual intervention, the only initial alert received was based on the attackers oversight in failing to disable the specific debit card notification setting. 

I was forced to manually intervene to secure the account, saving roughly $ XXXX in remaining assets. Coinbases security systems failed to act despite multiple clear indicators of fraud. Their negligence in fraud detection, foreign login verification, and response protocols directly caused the loss.

Coinbases Response : Coinbase confirmed unauthorized access but denied reimbursement, citing user responsibility for device and credential security. They provided no forensic details or technical explanation of how a passkey-protected account could be accessed from abroad. Coinbases failure to detect, halt, or mitigate the ongoing fraud represents a serious lapse in consumer protection and internal security procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-24 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: IL

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 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 2025-10-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank has implemented a hold on both my savings and checking accounts, claiming fraud suspicion which is entirely false. This happened after 2 wire transfers canceled by the Chase fraud/risk management department, claiming the wire recipient was a crypto scam site despite the fact that I have sent several wire transfer from CHASE to the same recipient, with no issues or problems. This hold was implemented by the the decision of a single Chase employee, XXXX XXXX, from the XXXX XXXX XXXX of Chase. He gave no evidence for his action, and essentially said it was his decision and that I had NO recourse. MY funds are being held illegally by Chase, and I want MY money released from this fraudulent hold. I also intend to withdraw ALL funds from Chase as soon as I have regained access from this illegal and irresponsible action. Chase Bank local managers have expressed surprise, dismay, and horror that this has happen to a 40+ year customer, but they have NO authority to overrule or do anything. I have complained directly to Chase, but have gotten no reply. They will supply NO written confirmation of the hold action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Back in XXXX I bought a XXXX. The engine seized twice. I couldn't afford to fix it again but needed a car. So I let XXXX XXXX XXXX my original account holder repo it. Fast forward to XXXX I get a call from Santander financial. They came to seek the debt. I called XXXX XXXX XXXX and verified they actually sold the debt to this company. I settled with them in XXXX and received an email from them that my debt was satisfied and no longer able to pursue. In XXXX I hear from another company attempting to collect, I sent the letter and they never called. In XXXX the same thing but another company, however they said they didn't need the letter that they themselves verified I don't owe anything. Now 8 years after paying this debt off I get a call today XX/XX/XXXX from XXXX. They asked my name I confirmed it is me. They said we are calling to help you because Santander is taking legal action against me and suing me for my debt. The debt I already paid?!?! So I call XXXX they confirmed they only sold to Santander. I called and spoke to seven different representatives and recorded our calls at XXXX. Every representative said I have no outstanding debt with them and that they don't know who resolve first financial is. So I call again the same aggressive lady hops on I ask for information regarding the alleged debt and the name of the company, she stopped speaking and transferred me again. This lady gave a name and address for me to request information. When I went into their website and emailed the dispute email came back as undeliverable so I emailed customer support and have received no response. I'm pretty sure this is illegal since the debt is not valid not to mention well past XXXX law on statue of limitations. Mailing out my request for validation in writing and following up with my cease and disest letter. Absolutely terrible people to interact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Financed Sleep Number bed via Synchrony Credit and was supposed to receive a ~ {$250.00} rewards debit card once bed was paid off. Paid off bed per terms but did not receive rewards card. Called Sleep Number & Synchrony and they said card would be mailed. Didnt receive card for a long time. Finally received card in mail and went to use it, but it had {$0.00} available balance. Called number on card XXXX and they said rewards expired and they could see that I never registered or used them I asked to escalate and they denied ( saying they were just a 3rd party service ). Asked for the name of their company and they declined ( saying I would have to call Synchrony ). Contacted Synchrony via app live chat. They directed me to Synchrony Pay Later Dept. XXXX where XXXX said they didnt handle rewards and directed me to XXXX XXXX XXXX where XXXX and supervisor said I would need to call the number on the card again. I never got to use my rewards and nobody will help ; they just direct me in this loop of departments

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 2025-10-24 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: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-24 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:
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 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 2025-10-24 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:
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 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 2025-10-24 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CO

Complaint narrative:
Virtuoso Sourcing Group ( Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX ) has been texting me non stop for over three months now. I have reached out to them and they have confirmed I have no debts that they are trying to collect and claim they will stop trying to contact me, but yet these contacts persist. I have contacted them three times now and spoken to someone claiming to be a manager who again claims they will stop contacting me, but the threatening messages continue. Aside from being annoyed I'm worried they may begin to take collection actions on a debt which even they admit does not exisit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Subject : Dispute of Information Under Section 605B Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 response to consumer: Closed with non-monetary relief