vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the charged-off XXXX XXXXXXXX account status reported to Experian ( Report Number XXXX ) and Equifax ( Report XXXX XXXX ) for violating multiple federal statutes. The exact and specific XXXX XXXXXXXX account that also says Business Account type reporting as a Charge-off and Profit and Loss Write-Off account status with a balance of {$3700.00} was closed and charged off in a year before 2025, yet continues to report with an outstanding balance of {$3700.00} and updates into 2025 under the status Profit and Loss Write-Off. This post-closure reporting constitutes illegal re-aging and is in direct violation of FCRA XXXX681c ( a ) ( 4 ), which prohibits extending the derogatory impact of closed accounts through continued monthly updates. Furthermore, this account is materially misleading in its current form, as there is no consumer activity, no payment arrangement, and no signed contract renewal since the very first charge-off was reported. This violates FCRA 1681e ( b ), which mandates that all reported data must be accurate and not misleading. Additionally, the continued balance updates without valid verification violate FCRA 1681i ( a ) ( 5 ) ( A ), which requires deletion of unverifiable or inaccurate data. XXXX XXXX has not provided any proof that the account remains collectible, nor have they issued an IRS Form XXXX, which is required for canceled debt over {$600.00} under IRS XXXX XXXX. The classification of the balance as Profit and Loss Write-Off confirms it was deemed uncollectible by their admission in reporting. If the debt is considered XXXX, then reporting a balance is deceptive and legally improper. I also formally state that I do not authorize the use or sharing of my personal credit data with or through any third-party data brokers or non-consumer-permissioned databases, including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with FCRA 1681b ( a ). My dispute must be investigated and verified using original furnisher records only. Finally, I invoke FCRA 1681i ( a ) ( 8 ) and request expedited deletion within XXXX business days, as allowed under law, since this account is both unverifiable and materially inaccurate. Failure to correct this immediately will result in regulatory escalation to the FTC, IRS XXXX XXXX, and other legal channels.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
To Whom it may concern We have recently completed multiple flip totaling {>= $1,000,000}, When we went to move some of it to our Coinbase account we were informed that we had to pay 8 % IRS mining fee. 
We asked several times for an explanation from XXXX with no response concerning this mining fee. Upon consultation with our Lawyers and CPA, we have determined that this 8 % mining fee and and additional penalty which has been suggested by XXXX if we do not pay by this Friday is not legitimate. If we do not receive the total amount in our account into our Coinbase account we will be reporting this Federal Fraud case to the DOJ, IRS and FBI. The lack of transparency by XXXX is extremely concerning. You have 48 hrs. to respond or we start reporting you to the Federal Government and filing charges of fraud, extortion and other felonies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

On XX/XX/year> I filed complaint ID # XXXX with the CFPB regarding an XXXX XXXX XXXX XXXX XXXX being reported to and by Equifax. The aforementioned XXXX XXXX XXXX XXXX was notified on the same date of XX/XX/year> of this dispute. Today marks 30 days since the companies have been notified of this dispute and ZERO response has been given to me regarding this matter.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

In accordance with 15 USC 1681i, I demand this account be deleted PERMENANTLY from all credit reporting agencies and removed immediately from any and all association with my name and social security number!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
Two of my credit card limits have decreased a great deal. I have never been late and have paid before time. I contacted the credit card company, and they said it was due to the fact of what the credit reporting agency provided to them.

I pay my bills, I have been late one time on my Chase card, but I forgot when it was due. They removed the late fee after I told them what happened. XXXXXXXX XXXX is the one that decreased my credit limited by almost XXXX dollars on both cards.

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 2025-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I attempted to open a Capital One bank account online, but the system flagged my Social Security Number ( SSN ) for in-person verification. Capital One informed me that I must visit a physical branch to proceed. However, I live in ZIP code XXXX ( XXXXXXXX XXXX XXXX ), and there are no Capital One branches nearby making this request unreasonable and effectively denying me banking access. 
Whats most concerning is that my husband was able to open a Capital One account with no issue, using the same address and similar personal details. This inconsistency suggests either a problem with Capital One 's identity verification system or a discriminatory policy. 
I am requesting that Capital One either : 1- Complete the SSN verification via secure digital means, as many banks do, or 2- Explain why similar applications from the same household are treated differently. 
I believe this is an unfair business practice and possibly discriminatory. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Account XXXX : XXXX Account XXXX I am writing to formally dispute the above-referenced account appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically * * Section 605B ( 15 USC 1681c-2 ) * *, I am requesting that you immediately block and delete any information related to this account that may be the result of identity theft, error, or inaccurate reporting.

Additionally, under * * FCRA Section 623 ( a ) ( 6 ) * *, data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. I am exercising my rights under * * FCRA Section 611 * * to
request an investigation and under * * Section 615 ( f ) * * to demand full disclosure of the procedure used in your verification process.

In accordance with the Fair Credit Reporting Act, Account XXXX has violated my rights. 

15 U.S.C. 1681 Section 602a states that I have the right to privacy.

15 U.S.C. 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written consent and instructions.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Account XXXX : XXXX Account XXXX I am writing to formally dispute the above-referenced account appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically * * Section 605B ( 15 USC 1681c-2 ) * *, I am requesting that you immediately block and delete any information related to this account that may be the result of identity theft, error, or inaccurate reporting.

Additionally, under * * FCRA Section 623 ( a ) ( 6 ) * *, data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. I am exercising my rights under * * FCRA Section 611 * * to
request an investigation and under * * Section 615 ( f ) * * to demand full disclosure of the procedure used in your verification process.

In accordance with the Fair Credit Reporting Act, Account XXXX has violated my rights. 

15 U.S.C. 1681 Section 602a states that I have the right to privacy.

15 U.S.C. 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written consent and instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MN

Complaint narrative:
Hi. Throughout 25 years, I haven't seen this payment policy with any type of credit. This morning at XXXX XXXX on XXXX, I went online to pay a Discover credit card off. The due date is the XXXX. The online payment section had many errors. I called. They said if I pay now, it won't credit until the next day. I've never seen this with any company. It's due today. I'm calling to pay today. Yet they say that can't happen. Very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  placed authorization holds on my SoFi checking account in the amounts of {$250.00} and {$16.00}, respectively. My final bill at the XXXX XXXX was {$1100.00}, which I paid in full upon checkout, and that charge posted to my account on XX/XX/XXXX. Despite the final payment being processed, the {$250.00} hold has not been released, even after more than XXXX business days. At XXXX XXXX, I opened a tab at the hotel bar and was charged a final total of {$55.00}, which I also paid in full, and that amount posted on XX/XX/XXXX ; however, the {$16.00} hold remains as well. I contacted SoFi on XX/XX/XXXX, provided final folios for both transactions, and was told it would be resolved within XXXX business days. After the timeframe passed, I checked my account and saw both holds were still present. I followed up via chat and was told the issue is still under review with no timeline or update provided. These holds have now been on my account for nearly XXXX weeks, my account is in the negative, and I do not have access to my fundsthis is unacceptable, and Im requesting the CFPBs assistance in resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XXXX morning I logged into my account and saw where someone had started a withdrawal at or around XXXX. I logged in around XXXXXXXX XXXX. I notified Coinbase of the situation and stayed on the phone for the next hour and half while they tried to figure out the issue. 

Eventually they told me there was nothing they could do. I said it was a Bank to Bank ACH and according to XXXX they could issue a reversal. They said, " NO ''. Also, the person on the phone told me to get in touch with XXXX and try to fix it there. XXXX had no record of me. Then I get an email telling me not to contact XXXX about the fraud. I do not understand that. I have the emails to this also. 

There was a XXXX purchase that happened and I got on the phone with my Bank where the money was withdrawn and they stopped they marked the ACH as fraud and stopped it. I am on the hook with Coinbase for around XXXX that I do not have. 

I had been working with Coinbase for years to to build up to XXXX and now it is gone. 

I wanted them to issue the reversal and I know they could have because I have programmed XXXX files. 

Let me know if I have confused you. I am pretty upset about this. Coinbase says they are coming for me for the XXXX my bank did not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FourLeaf Federal Credit Union
State: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : XXXX. I dispute the entire amount of the alleged debt. 
XXXX. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. 
XXXX. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
XXXX. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

Sincerely, 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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XX/XX/year> TD Bank ATM  XXXX, Vermont I deposited between {$570.00} and {$620.00} cash into my checking account. 

ATM took longer than usual counting cash, around 3 minutes or more, then it says {$450.00} I clicked return cash because amount is incorrect. 

ATM does not return cash and deposit {$0.00} into my account, ATM says out of service. 

I filled a complaint with TD bank in the office straight away in XXXX. Now they said that there was not a deposit and are not giving information of why, or videos of the ATM when I was depositing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urge that these fake accounts be removed from my credit record because I never opened them and had no knowledge of their existence.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my [ Experian, Equifax ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I recently checked my credit report with TransUnion and I saw that there's personal information that is totaly incorrect. There's names that are not mine and a bunch of old or random addresses that I never lived in. I already sent a letter directly to TransUnion with my ID and a utility bill to prove my real info, but they havent fixed it. This worries me because it could mess up my credit score or even make it look like Im someone else, or like I have accounts that arent mine.

I also asked them to tell me how they verified that info like the FCRA says ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) and that they dont just use the e-OSCAR automatic system, but I never got a proper answer. I feel like my rights are being ignored and this is really stressful.

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of a data breach and Identify theft. 
XXXX XXXX XX/XX/XXXX $ XXXXcharge off XXXX XXXX XXXXXX/XX/XXXX $ XXXXPaid in full/Charge off XXXX XXXX XXXX XX/XX/XXXX $ XXXX off XXXX & XXXX XX/XX/XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of a data breach and Identify theft. 
XXXX XXXX XX/XX/XXXX $ XXXXcharge off XXXX XXXX XXXXXX/XX/XXXX $ XXXXPaid in full/Charge off XXXX XXXX XXXX XX/XX/XXXX $ XXXX off XXXX & XXXX XX/XX/XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX

Company response to consumer: Closed with non-monetary relief