vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Company : Coinbase , Inc .

Issue : Locked account / unable to complete identity verification / no access to funds My Coinbase account has been placed under a Risk Transfer Detected security freeze, and I have been unable to access it. Coinbases system does not allow me to log in, verify my identity, or update my phone number, and the support tools provided by Coinbase are nonfunctional.

I have attempted every official support method Coinbase offers : Website recovery tools Multiple password resets Cant access your account?

Account recovery links All routes send me back to the login page, freeze, or require login before allowing any action.

Phone support The official Coinbase support number routes only to an AI automated assistant with no option to reach a human representative. The AI repeatedly directs me back to the website, which does not work due to the account lock. 

In-app support chatbot The chatbot requires account login to continue, which is impossible because my account is locked. It loops and provides no escalation to a human agent. 

Email attempts Email addresses found online, including XXXX XXXX XXXX are invalid or bounce back. Coinbase does not provide a customer-accessible email address for locked account issues. 

Because of this, I have no way to submit identity documents, no way to update my phone number, and no way to restore access to my account. My fundsincluding a recent XXXX transferare completely inaccessible. 

Requested resolution : I am requesting that Coinbase contact me directly by email with a working identity-verification link so I can submit my ID, confirm my account information, and have my account unlocked. I am fully prepared to provide documentation as soon as Coinbase provides an operable verification path. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CO

Complaint narrative:
When I signed up for the loan of {$1200.00} it showed me information saying that I would be paying {$1500.00} at the end of the loan. When I noticed they were still charging me after I thought loan was paid off I logged in and it showed me that I had to pay that balance of {$1300.00} to clear that loan, so i contacted them and I said 600 % is insane and they said they were protected by tribal law. I said so I have to still pay you {$1300.00} even though I have made more than that in payments and they said I recommend you make bigger payments. I said so I will be paying XXXX even though I already paid the loan back? And they never commented back.

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 2025-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
The debt collector has purchased the debt from the original debtor and continuously calls and leaves messages even after I have asked them to stop, thereby violating my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted claim for XXXX fraud couple of times and it got denied.

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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
b'I have several account with synchrony Bank. I had a Sams Club Master Card and a Lowes store card. I have never never been late on either card for my monthly payment. I recently paid both cards off and they significantly  lowered my credit limit to XXXX and XXXX which forced me to close my accounts. My issue is they are going to destroy my credit for doing this when I have never been late on a bill or any other bills. \nLowes credit limit was XXXX lowered to XXXX on XXXX XXXXnACCT # XXXX XXXX XXXX XXXXnSams Club M/C  was XXXX Lowered to XXXX on XXXXnACCt # XXXX XXXX XXXX\nHow is that legal to hurt someone credit like that?'

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 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tilt Finance, Inc.
State: NV

Complaint narrative:
I have never had an account with Empower Finance/Tilt, I am a victim of identity theft, this account is a fraudulent account, this account needs to be removed from my credit report and closed out as i'm not liable for this account, My identity was stolen please see the attached fraud affidavit. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the accuracy of information appearing on my credit report. The item in question is being reported based on third-party information from XXXX XXXX that has not been verified by the court, which makes it incomplete and inaccurate under the Fair Credit Reporting Act ( FCRA ). PeXXXX XXXX, Experian and XXXX  XXXX XXXX provided third party unverified information to the credit bureas. 

I have confirmed that the court did not verify or provide this information to your bureau. Under FCRA 609 and 611, you are required to ensure all information you report is accurate, verifiable, and obtained from a reliable source. Because this information is being reported from a third partyand not from the court itselfit is unverified and must be corrected or deleted. 

I am requesting that XXXX XXXX, XXXX, Experian and XXXX  Conduct a reinvestigation of this item ; Provide the name and contact information of the furnisher they relied on ; Provide documentation proving the validity of the information, specifically confirming receipt directly from the court ; Delete the information from my credit report if it can not be verified with primary documentation from the court.

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 2025-11-23 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: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened a Citi XXXX account online using an official Citibank promotional link. On XX/XX/XXXX, I received a message in the Citibank mobile app stating that I was not qualified for the promotional bonus. I contacted Citibank to request that the {$750.00} promotional bonus be credited to my account, as I had met all qualifying conditions outlined in the promotional terms. I also asked the bank to conduct an investigation. I received a case ID ending in XXXX. 

Initially, the bank informed me that I was not eligible because I had been a signer on an existing checking account within the previous XXXX calendar days. I explained that the promotional terms did not state any XXXX requirement. 

Following the investigation, Citibank sent me a letter stating that the promotion actually required that a customer must not have been a signer on an existing consumer checking account within XXXX calendar days prior to opening the new account. The letter also stated that their records showed I was an existing account holder on XX/XX/XXXX. This is correct ; however, that same account had been closed on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, more than XXXX calendar days had passed, confirming that I fully met the eligibility requirement. 

Since all other promotional conditions were also fulfilled, I contacted the bank again on XX/XX/XXXX and respectfully requested that the {$750.00} promotional bonus be honored. However, the bank agent, XXXX, insisted once again on the incorrect XXXX requirement, even after I explained that their own investigation letter explicitly stated the requirement was XXXX  days, not XXXX. The chat was abruptly ended, I assumed by the agent because the app immediately shows a technical issue. I started another conversation via the mobile app chat again and with different a representative named XXXX, who was professional, but the issue remained unresolved. 

Due to the ongoing refusal to honor the promotional terms, I decided to close my account on XX/XX/XXXX. 

I believe the bank used inconsistent and misleading explanations to avoid providing the promotional bonus despite my having met all requirements. This conduct appears deceptive. Citibank could have informed me at the time I enrolled in the promotion if I were truly ineligible, but instead they held my funds throughout the required period and then attempted to deny the bonus with shifting justifications. This has been a significant waste of my time. 

I respectfully request that this matter be investigated for potential fraudulent or deceptive business practices to help prevent other consumers from experiencing similar issues.

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 2025-11-23 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that Experian failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2025-11-23 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
These accounts are not only YEARS OLD! ( XXXX years old ) but not the accurate amount, and if I was to paid said debt it wouldnt be removed from my credit report nor help with any other debt relief. Itll be pointless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: LA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: FL

Complaint narrative:
Identity Theft & Duplicate Reporting Dispute Letter - Prince Parker and Associates To : XXXX Parker and Associates XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Subject : Fraudulent and Duplicate Collection Account Dispute - Identity Theft Claim To Whom It May Concern, I am writing to formally dispute the collection account that your company is reporting under my name. The account information listed below is fraudulent and the result of identity theft : Prince Parker and Associates - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account does not belong to me. I did not authorize or open any accounts with XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. This fraudulent debt has been wrongfully attributed to my personal credit file. 
Furthermore, this same alleged debt is also being reported by another collection agency, XXXX XXXX XXXX, under Account Number XXXX. This constitutes duplicate reporting and violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 
I have filed a Federal Trade Commission ( FTC ) Identity Theft Report regarding this matter. A copy of this report is enclosed for your reference and verification. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), you are required to : 1. Cease all collection activities related to this fraudulent account.

2. Delete this account from all credit reporting agencies to which you have reported it.

3. Provide written confirmation that the account has been deleted and no further collection attempts will be made.

If this matter is not resolved within four ( 4 ) business days of receipt of this letter, it will be escalated to the Office of the Attorney General as the law requires. 
Enclosed are copies of the following documents for your review : - Government-issued photo ID - Proof of current address - FTC Identity Theft Report confirming the fraud Please handle this matter promptly and confirm in writing that this fraudulent and duplicate account has been removed and closed. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Okay so firstly I had just opened a XXXX  account because a friend explained to me that they have the cash a check option. Simply because I didnt have to leave my home I could just cash the check quick and have access to my funds right then and there. Soon as my legitimate check got approved, which would not have been successful had I not verified myself but that wasnt the case be I verified myself 100 % which is why the check got approved! XXXX  then decided to freeze my account and my funds thats in there, like why wait to the funds come into my account and then freeze it. This situation is causing significant financial distress, especially given the timing so close to the XXXX season. I rely on these funds to take care of my family. The inability to access my money is creating a severe hardship for me and my family. 


( The Expedited Funds Availability Act ( EFAA ) : - This U.S. federal law sets rules about when banks must make funds available to you after you deposit a check. It doesn't directly apply to account freezes but shows the general principle that you should have timely access to your money. ) XXXX  can lock funds for up to 180 days for various reasons, such as violations of its user agreement, suspicious activity, or identity verification issues.but none of the above applied to me. I literally had the account for not even XXXX hours before they froze it. So they have no reason to freeze my funds for 6 months. Ive literally uploaded all of my personal information. Only one person in the world would have social security card and drivers license and thats me so how are y'all not able to verify me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

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 2025-11-23 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
This company has a charge off reporting to my credit report which means. This company wrote off this debt as a profit loss and never provided me with a 109C form. THIS IS ILLEGAL AND INACCURATE REPORTING. I am requesting this be throughly investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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