vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
This all started yesterday, XX/XX/year>. I had been talking to Coinbase over email, they told me to make an account and do ID verification on said account and well, Coinbase 's customer support have been giving me the run around after I have shown evidence that their identity verification system is flawed. I kept sending in non-blurry images, because I can review them before I send them in and the system keeps calling them blurry. Coinbase says they can't prove it to disprove it, however, I took photos with the same exact technology in the same exact way and a human at the company manually verified me the first time. In fact, I'm already ID verified, why do I need a second one with face verification? The original ID verification included face verification, my entire face was in it. I even had address verification, and when I was asked to upload it to their automated system, the same document, it was rejected by that. 

Afterwards, I got on chat support on XX/XX/year> with XXXX and he refused to help or listen to me whatsoever and they refused to escalate me to a supervisor when I repeatedly asked that they do so. 

They are withholding my assets under my legal name and address, which is illegal under Section 5 of the Federal Trade Commission Act and the Consumer Financial Protection Act, specifically because as a financial institution, Coinbase can not engage in unfair, deceptive, or abusive acts or practices. I have complied with reasonable verification procedures and Coinbase is arbitrarily denying me access to my assets, which is a violation of these laws. Additionally, the Fair Access to Banking Act and related regulations require that federally regulated financial institutions, including cryptocurrency exchanges like Coinbase, provide access to financial services without impediments caused by prejudice or dislike for a person or business of the customer. Denying access to my assets, especially after manual verification confirms my identity, could violate these principles if not based on quantifiable, risk-based standards established in advance.

Finally, the Office of the Comptroller of the Currency ( OCC ) has also issued rules requiring banks not to deny services based on arbitrary or subjective standards, and only to restrict access based on specific, documented risks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate/Unverifiable Information FCRA & UCC To Whom It May Concern, I am writing to dispute inaccurate and unverified information on my Experian credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate, and under the Uniform Commercial Code, unverifiable obligations can not lawfully be enforced or reported.

Please investigate and verify the following : Inaccurate Address Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO Division of Child Support ( # XXXX ) Late payments are inaccurately reported. Provide proof or delete. 

XXXX XXXX XXXX  ( # XXXX ) Inconsistent payment history reporting. Please delete if unverifiable. 

XXXX XXXX XXXX ( # XXXX ) A collection agency can not report a credit limit without a valid consumer contract. Please remove. 

Bankruptcy ( # XXXX ) Provide verified assets and liabilities. If not available, delete. 

I demand the Method of Verification used for each item. If you can not fully verify with documentation ( e.g., original signed contract, assignment, or court record ), the item must be removed within 30 days per federal law.

Failure to comply will result in formal complaints filed with the CFPB, FTC, and Colorado Attorney General.

Respectfully, 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 2025-08-25 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have notified XXXX department of educationXXXX that four fraudulent accounts were opened in my name I explained to them it is identity theft also submitted an FTC report asking them to remove fraudulent accounts and to stop reporting them to the credit bureaus as of XX/XX/2025 they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed multiple inaccuracies and unauthorized accounts & information reporting to my credit report. these remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed multiple inaccuracies and unauthorized accounts & information reporting to my credit report. these remarks 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 2025-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I, XXXX XXXX, have not attempted nor opened an account with Capital One Credit. As of today, XX/XX/XXXX, I was notified of a hard inquiry made from Capital One on XX/XX/XXXX. The amount of the inquiry from XX/XX/XXXX is unknown.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Remove Inaccurate Credit Reporting To Whom It May Concern : I am writing to formally dispute the reporting of the above-referenced account on my credit report. Jefferson Capital Systems is reporting a negative entry for a debt originally from XXXX XXXX that was previously written off.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate or unverifiable information. I request that Jefferson Capital : 1. Provide validation of the debt, including the original creditor, original account number, the amount owed, and documentation proving that you have the legal right to report this debt.

2. Remove this account from my credit report immediately if you can not provide proper validation within 30 days, as required by law. 

Please be advised that if this negative item is not removed or validated, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 

I request that all future communication regarding this matter be in writing only. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this account has been removed from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing a complaint regarding a serious issue with my Bank of America XXXX account that has directly harmed my business operations and credit standing. 

I filed a fraud claim for unauthorized transactions. While the claim was under review, Bank of America issued a provisional credit to my account. On XX/XX/year>, that provisional credit was reversed when the claim was denied. Unfortunately, this reversal happened on the same day that a scheduled ACH payment to my vendor, XXXX XXXX, attempted to clear. Because of the timing, my account balance went negative and the ACH payment to XXXX was returned. 

I never received timely notice of the reversal. No alert or digital notification appeared in my online banking portal or mobile app, which are the primary ways I monitor my account. I was later told that a letter had been mailed, but relying only on postal mail for such a time-sensitive matter directly harmed my business.

As a result of the returned ACH, XXXX downgraded all of my fleet card accounts to prepaid status. XXXX has given me 30 days to provide written confirmation from Bank of America that the ACH return was caused by the fraud-claim reversal and not by insufficient funds. Without this documentation, my business operations and credit profile will continue to be negatively affected. 

I have repeatedly contacted Bank of America customer service and the claims department requesting such documentation, but I have been told that Bank of America does not write letters. I even escalated this issue to executive management, but to date I have not received the confirmation XXXX requires. 

I am requesting that Bank of America provide written acknowledgment, on official letterhead, confirming the following : 1. That the provisional credit from my fraud claim was reversed on XX/XX/year>. 
2. That this reversal directly caused the ACH return to XXXX. 
3. That the return was not due to insufficient funds, but solely the result of the fraud-claim reversal.

This matter has created unnecessary harm to my business through no fault of my own. I am seeking immediate correction and formal documentation from Bank of America so I can resolve the issue with XXXX and prevent further damage to my credit and operations.

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 2025-08-24 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: PR

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code S 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. Below are the accounts I am requesting to be reinvestigated : Experian XXXX. Name : XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. XXXX Account : XXXX Equifax XXXX XXXX Name : XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. XXXX Account : XXXX TransUnion XXXX. XXXX Account : XXXX XXXX. XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. XXXX Account : 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 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
XXXX XXXX XXXX judgment, File Number XXXX and Case Number XXXX from XX/XX/XXXX, for {$2200.00} plus {$290.00} in court fees. I discovered the XXXX in XX/XX/XXXX via a HELOC title search. The affidavit of service claims mailing on XX/XX/XXXX, but I dont recall receiving it, and even so the 28-day period violates SCRCP Rule 12 ( a ) ( premature judgement to pressure settlement while seeking a lawyer ). I was also grieving my grandmothers passing on XX/XX/XXXX. XXXX concerned about potential FDCPA violations. I would like legal resources in XXXX XXXX or refferals to consumer law attorneys in South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX, I attempted to cash a settlement check drawn on Chase Bank XXXX XXXX of the banks branches. Despite the check being legitimate, the teller at that branch claimed the issuing company had insufficient funds and instructed me to return on XXXX, citing that the original teller would not be present. Feeling this response seemed invalid, I went to a different branch that same day. 

At the second branch, another teller loudly declaredwithin earshot of multiple customersthat the check was fake, asserting that I am a scammer, and insisted that she sees these checks all the time. She repeated these claims more than once and questioned why the issuing company would pay me and whether I had any business relationship with them. I then requested a supervisor ; the branch manager also refused to cash the valid check. 

This first check was about {$5400.00}. I have made a complaint to corporate about this incident and also am looking into legal action for the defamation, emotional distress, discrimination, and refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate/Unverifiable Information FCRA & UCC To Whom It May Concern, I am writing to dispute inaccurate and unverified information on my Experian credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate, and under the Uniform Commercial Code, unverifiable obligations can not lawfully be enforced or reported.

Please investigate and verify the following : Inaccurate Address Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO Division of Child Support ( # XXXX ) Late payments are inaccurately reported. Provide proof or delete. 

XXXX XXXX XXXX  ( # XXXX ) Inconsistent payment history reporting. Please delete if unverifiable. 

XXXX XXXX XXXX ( # XXXX ) A collection agency can not report a credit limit without a valid consumer contract. Please remove. 

Bankruptcy ( # XXXX ) Provide verified assets and liabilities. If not available, delete. 

I demand the Method of Verification used for each item. If you can not fully verify with documentation ( e.g., original signed contract, assignment, or court record ), the item must be removed within 30 days per federal law.

Failure to comply will result in formal complaints filed with the CFPB, FTC, and Colorado Attorney General.

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate/Unverifiable Information FCRA & UCC To Whom It May Concern, I am writing to dispute inaccurate and unverified information on my Experian credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate, and under the Uniform Commercial Code, unverifiable obligations can not lawfully be enforced or reported.

Please investigate and verify the following : Inaccurate Address Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO Division of Child Support ( # XXXX ) Late payments are inaccurately reported. Provide proof or delete. 

XXXX XXXX XXXX  ( # XXXX ) Inconsistent payment history reporting. Please delete if unverifiable. 

XXXX XXXX XXXX ( # XXXX ) A collection agency can not report a credit limit without a valid consumer contract. Please remove. 

Bankruptcy ( # XXXX ) Provide verified assets and liabilities. If not available, delete. 

I demand the Method of Verification used for each item. If you can not fully verify with documentation ( e.g., original signed contract, assignment, or court record ), the item must be removed within 30 days per federal law.

Failure to comply will result in formal complaints filed with the CFPB, FTC, and Colorado Attorney General.

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
am contacting you regarding my account XXXX XXXX I have been attempting for some time to resolve the negative reporting associated with this account, specifically the late payments that continue to appear on my credit report. 

This account has been paid in full and been in good standing. At the time of payoff, I requested and understood that the late payments would be removed ( pay-for-delete arrangement ). Despite honoring my financial obligation, the negative marks are still being reported. 

I have contacted their office multiple times to have this corrected, but the issue remains unresolved. I am respectfully requesting that you take immediate action to remove the late payment history from XXXX credit bureau reporting associated with this account. This request is made in good faith, as I have paid the balance in full and fulfilled my commitment.

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 2025-08-24 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: CA

Complaint narrative:
My Equifax credit report contains incorrect personal information, including wrong name variations, multiple old addresses, and outdated employer information. The incorrect information includes outdated addresses and employers that I did not authorize and is inaccurate. Under the Fair Credit Reporting Act, credit bureaus must maintain accurate personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
SUMMARY OF FEDERAL VIOLATIONS AND NONFEASANCE On XX/XX/XXXX, I, XXXX XXXX, caused to be served upon the above-named entity a NOTICE OF OPT-OUT, NON-CONSENT, AND DATA USE REVOCATION, a lawful and binding presentment under the following federal authorities : Privacy Act of 1974 ( 5 U.S.C. 552a ) Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) Electronic Communications Privacy Act ( 18 U.S.C. 2510 ) Said notice revoked any and all alleged or implied consent to the collection, storage, dissemination, and monetization of my personal identifying information. The Respondent was duly ordered to : Delete all personal and financial data from its system ( s ) Cease all unauthorized use or sharing of said information Acknowledge the notice in writing within 15 days Cease all collection activities absent verified legal standing and written consent As of the date of this complaint, TRANSWORLD SYSTEMS INC. has : Failed to provide written acknowledgment Continued to act in silence, thereby engaging in willful nonfeasance Remained in breach of commercial, fiduciary, and statutory obligations ATTEMPT TO RESOLVE THIS MATTER YES, I attempted resolution in writing and in good faith. I served lawful notice, citing controlling federal statutes, with explicit instructions for compliance. I made a demand for response within 15 days. The entity ignored this legal demand.

The continued retention and possible use of my private information constitutes : A willful violation of federal privacy law Bad faith in commercial conduct Breach of lawful revocation rights under federal statute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: WV

Complaint narrative:
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( CREDITOR NAME ) Never Sent the periodic XXXX wiG the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

systematic error This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation