vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Coinbase had many customers who had private information sold to oversea hackers. I was one of them. I am out {$2500.00} with XXXX who released the monies from my banking account and all of the money from my Coinbase Account. I have also had numerous issues with scamming and other accounts attempted to be hacked. They report on the internet to assist customers who were victims of identity theft from their employees, temporary employees or subcontractors and I want to be whole again - the monies reinstated from my Coinbase Account as of XX/XX/year> and the reimbursement from the fraudulent Coinbase transactions owed to XXXX in the amount of {$2500.00}. There is no way to speak with agents at Coinbase, and one can not even send a note without an account. I had to close my account due to the continuous hacking and identity theft caused by Coinbase. I want to be made whole again at the least - I had over XXXX hours in dealing with this issue and was hacked again as a result of the release of my social security number, birthdate, phone, address and email- and they somehow even had my password for transaction. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts were fraudulently opened in my name without my consent or awareness. I had no involvement with them, and I am not liable for their activity. As allowed by 15 U.S. Code 1681g, I request immediate deletion of these items within 15 days. Supporting evidence is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am a joint account holder on my son 's checking account. There was fraudulent activity on his account in XX/XX/XXXX and XXXX of XXXX, 2024. There were multiple debits charged to the checking account that my son nor I completed. The total was over {$450.00}. I will attach a copy of the statement with the activity. The activity was completely fraudulent. I explained to the customer service representative that it was fraudulent. They denied the claim in XXXX of 2024. I filed a complaint with the BBB because I requested a manager to contact me back and they never did. Unfortunately it took me a long time to get back to this because I had a death in the family. However, I provided BBB all the documentation regarding the fraudulent activity. Somebody from Wells Fargo, named XXXX, called me and said he would investigate. Now a month later he called back stating that the decision stands and they have " proof '' that it was authorized by my son 's XXXX pay and apparently nobody can " clone '' your phone. We strongly dispute this. My son never shared his phone, XXXX pay credentials, debit card, or any banking info. We requested details about the denial, such as IP addresses, device IDs, and whether the Face ID or passcode was used, but Wells Fargo has not provided sufficient justification. We are requesting that the CFBP intervene to : 1. Ensure Wells Fargo provides documentation showing how they determined the transactions were authorized.

2. Reopen and fully investigate the fraud claim in compliance with Regulation E.

3. Reverse the charges if they can not prove the transactions were legitimately authorized by my son. 

The fraudulent activity occurred over a span of time between XXXX and the middle of XXXX. We are seeking a full refund of the unauthorized charges as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
The origination date and the amount are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 am not responsible for the accounts listed belowthey were created without my permission. I believe my personal information may have been misused. Under 15 U.S. Code 1681g, I respectfully request their removal within 15 days. Documentation verifying this claim is included.

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: United PanAm Financial Corp.
State: IL

Complaint narrative:
I am filing this complaint because United Auto Credit is reporting a charged-off account on my credit report that is inaccurate, unverifiable, and possibly outdated, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This section requires that consumer reporting agencies and data furnishers follow reasonable procedures to ensure maximum possible accuracy of information.

I previously submitted written disputes to the credit reporting agencies ( Equifax, Experian, and TransUnion ) requesting verification and investigation of the United Auto Credit charge-off account. To date, no documentation or evidence has been provided by the furnisher to substantiate the reporting of this account. 

Despite the failure to verify, the account remains on my credit reports with negative and derogatory status, which is a direct violation of FCRA obligations. As the account is not verifiably accurate and no proof of the debt has been furnished to me, I am requesting that it be deleted from my credit file in compliance with XXXX5 U.S.C. 1681e ( b ).

I am including a copy of my dispute letter ( s ), current credit report showing the charge-off, and any related correspondence. Please investigate this matter and ensure the account is corrected or removed if it can not be verified to be fully accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. I submitted a valid Identity Theft Report to Equifax under 15 U.S. Code 1681c2 ( a ). My submission clearly identified the fraudulent accounts, included proof of identity, and requested the required block of the information.

Equifax is failing to comply with their legal obligation to block this information within 4 business days, as required by federal law. I also filed a BBB complaint, and Equifax responded claiming they need 30 days to investigate this is not legally allowed when an identity theft report is submitted under this section of the FCRA. 

Here are the accounts I properly identified as fraudulent in my Identity Theft Report : -- - XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number ( partial ) : XXXX Status : Charge-off Type : Revolving ( Credit Card ) Date Opened : XX/XX/XXXX Balance : {$840.00} Credit Limit : {$300.00} Date First Delinquent : XX/XX/XXXX Comment : Consumer Disputes Reinvestigation in Progress -- - XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Account Number ( partial ) : XXXX Status : Collection Type : Debt Buyer / Retail Original Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} High Credit : {$940.00} Date First Delinquent : XX/XX/XXXX Comment : Consumer Disputes This Account Information Collection Account Both accounts were fraudulently opened without my knowledge or consent, and were included in my Identity Theft Report. Equifaxs delay is not only harmful, but in direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
My name is XXXX XXXX I'm victim of identity theft. 
He was renting a room in my apartment. 
I met this person back in the days when I was in XXXX Oh and after that we start our friendship. 
He moved to LA several years ago and I helped him by giving him a place to stay. The reason why I suspect him because as soon as I notice these fraudulent activities on my accounts He suspiciously disappeared, even though his plans were to stay in my place until summer. 
After he disappeared, I couldnt get in touch with him. 
His name is XXXX XXXX and I suspect him, because he was the only person beside me who had access to our phones. 
There are several merchants unauthorized transactions on my accounts and my mother account. 
There was a period in my life when I was out of town. I had medical problems and I had to travel to XXXX, to XXXX XXXX XXXXt some point, then for several weeks I was in XXXX XXXX for my health. This person took advantage of this situation and stole my last funds. As soon as I found this out I called my banks right away. 
My one bank which is XXXX Bank was very professional and did everything on highest level possible. They gave me conditional credit right away and after their investigation they finalized the case. 
The other Bank which is Sofi Bank is unbelievable. 
I have never seen in my life such a terrible customer service. 
They constantly only lie. 
This is like a joke. 
From first moment they deny my disputes and constantly try to confuse me. 
I gave them 7 merchants names and told them that those merchants were fraudulent and all transactions related to them also fraudulent. 
what they did was a joke. 
They approved 2 merchant transaction o my account only because XXXX was XXXX, the other one was XXXX. 
the other 6 merchant which were in a amount of XXXX $ they just denied and constantly just ignored all my attempts. This bank actions are completely illegal.I dont understand how they can pick and choose when there is fraud involved? How they can say this 2 merchants are fraud, but other one are not fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MI

Complaint narrative:
I am submitting this complaint to report fraudulent and inaccurately reported accounts from XXXX ( XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX, which are appearing on my credit reports without my knowledge, authorization, or consent. 
XXXX XXXX XXXX Account This account was not opened or authorized by me and is being reported inaccurately as a legitimate personal loan. I have no business relationship with XXXX, and I suspect this is either identity theft or administrative error. 
XXXX XXXX XXXX  Collection Account This account is also fraudulent and inaccurate. I was never notified of any valid debt associated with this agency, and I have never received validation or proper documentation. Reporting this account is unlawful under the Fair Debt Collection Practices Act and the FCRA.

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 2025-06-23 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: LEXISNEXIS
State: FL

Complaint narrative:
I am submitting a formal legal dispute ( with my lawful identity attached ) and demand against LexisNexis Risk Solutions for violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I am the authorized agent and executor for the legal person associated with the consumer file in question.

LexisNexis is retaining and distributing unverifiable and unauthorized data regarding my file without presenting any original, wet-ink signed instrument. According to UCC Article 3 and contract law, certified copies are inadmissible for validation without the original document, and any separation of the note and debt ( i.e., via securitization ) voids enforceability.

Despite my prior attempts to resolve this matter directly, LexisNexis has failed to verify the data, failed to identify any lawful authority to access or use my private information ( SSN, name, DOB ), and continues to report data unlawfully. This constitutes unauthorized surveillance, breach of fiduciary duty, and unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I deposited a check from a personal injury loan. I received from an accident. The check cleared but the put hold on my account. They verified the finds but still continuously hold the funds with out disbursement. They ended the business relationship so I need my funds im late on rent amd they don't care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am now opting out of any and all reporting with Navy Federal Credit Union of any and all of my information with them. Navy Federal has been reporting inaccurate information to XXXX  and XXXX I want this account removed completely from my report. I request a full and detailed report from each CRA. I would also like to be compensated from every party for each inaccurate report on my profile in accordance with the FCRA, for no less than {$1000.00} each.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX Date : 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 2025-06-23 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: FL

Complaint narrative:
I am tired of your blatant violations of my rights under federal law. This is my SECOND and FINAL written demand regarding the inaccurate, unverifiable, and ILLEGALLY reported account ( s ) listed below : Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately XXXXXXXX XXXX XXXX  XX/XX/year>

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NBT BANCORP INC.
State: RI

Complaint narrative:
I am filing a formal complaint against NBT Bank for what I believe to be unethical business practices, including the wrongful imposition of a late fee and mishandling of my account. The issue stems from a letter I received dated XX/XX/year>, which claims that I have an overdue balance of {$110.00} on my loan. While the principal amount of {$110.00} was indeed paid on XX/XX/year>, the {$5.00} late fee referenced in the letter is entirely unjustified. 

The letter incorrectly references an overdue amount for a payment that was supposedly due on XX/XX/year>. This claim is false, as I made a full and timely payment on the principal balance on XX/XX/year> in an approximate amount of XXXX, well in advance of the stated due date. Given that I fulfilled my obligations on time, there is no reason for a late fee to have been charged in the first place. This error appears to be either a systemic flaw or, at worst, deliberate negligence on the part of NBT Bank. 

When I reached out to your customer service team for clarification, the representative failed to acknowledge the clear mistake and attempted to justify the incorrect late fee. This lack of accountability and professionalism is deeply concerning and unacceptable. Furthermore, I was disheartened to find that the customer service representatives appear to be unable to access comprehensive customer account information in real time, an issue that further exacerbates the inefficiency and poor customer service I experienced. 

While this may or may not be is a clear violation of consumer rights, it undermines trust in the institution. I also request an explanation of how such a glaring error could occur and what measures will be put in place to prevent this from happening to other customers in the future. 

I plan to publicly share my experience to warn other consumers about the subpar practices at NBT Bank.

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 monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
My account with DEPT OF ED/XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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. 

DEPT OF EDXXXX never sent the periodic statement along with 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.

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

Delete the late payments from my consumer reports

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