vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been using Coinbase for over 7 years without issue but I noticed my account was restricted when I tried to withdraw about XXXX USD to my bank account in XXXX. I immediately contacted the live support and went through ID verification and took some quiz. I was told my case has been escalated to the special team for account review but since then I've been talking to the live support almost every day and went through multiple ID verifications with pictures, videos, utility bills, and hearing the same scripted answers without resolution so far. On XX/XX/year>, I received an email from Coinbase that the review was completed but buy/send/deposit/withdraw services remain disabled . Then I got another email to update my passkey and password to unlock my account so I did and it was all confirmed. Then I received a message in the app to wait XXXX hours to withdraw my USD. After XXXX hours, my account was restricted again. 
I have over $ XXXX of coins in my Coinbase account, but I could not pay my rent and mortgage this month because Coinbase won't let me use my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 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: Lendbuzz Inc.
State: FL

Complaint narrative:
I am writing to formally dispute recent unauthorized credit inquiries on my credit report. I did not authorize these credit checks, nor did I apply for any new lines of credit or financial services that would warrant such inquiries. 

Additionally, I have been affected by the recent XXXX data breach, which may have compromised my personal information. As a result, I believe my identity may have been used fraudulently without my consent. 

Please investigate this matter promptly and remove any unauthorized inquiries from my credit report. I am also requesting written confirmation once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
On XX/XX/XXXX, i had a few credit cards open in my name in good standing with payments on time. Sometime in XXXX someone commited fraud on my bank account connected to my credit cards for payments. which was investigated, closed in my favor and my stolen money returned to my account. 

XX/XX/XXXX I was released from confinement but still XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During XXXX through XXXX, I contacted all of the credit card companies, explained what had happened and that XXXX of dollars of late fees and collections were due to me being XXXX and the funds in my bank account being fraudulently stolen. 

None of these companies were willing to work with me but did continue to collect the debt in full. XXXX XXXX  being one that took money out of my bank accunt without my permission.

I filed disputes citing FCRA and provided all companies with my arrest report, my release to Department of Corrections and my final release out of confinement of all sorts. I also expressed that during this time ( XX/XX/XXXX to XX/XX/XXXX ) I was unable to work due to my being XXXX, I had been served with a divorce and was not able to return to my home during that time. 

These disputes were done on Transunion, Equifax and Experian starting XXXX and the final in XXXX. 

Equifax ruled in my favor and removed all of these collections with my proof of being incapable to pay and excessive collection costs and attempts from these companies and their collection agents. ( Some being that they are harassing myself and known acquaintances of mine ) Experian has not investigated any of these errors even with my proof and refiling a dispute. It appears that during the time I have been filing disputes with Experian they were sued for doing exactly what they did to me, to other people as well. Doing sham investigations. Even with proof and Equifax ruling in my favor, experian did not. 

Transunion did similar to Experian, They are still reporting what Experian is and not abiding by FCRA. I was able to log into my transunion account up until recently and now I am apparently blocked from logging in. 

in addition Experian and Transunion are both actively allowing reporting updates monthly on BOTH the original creditor and also the Collection account. The original creditor is reporting a 'Balance Due ' and have been for over 18 months while the collector is also reporting similar. 

XXXX XXXX XXXX has contacted me at inconvenient times AFTER I requested a cease and desist request via a phone call.

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
discover is showing a charge off account showing XXXX on my credit report for amount of XXXX that is not mine and from identity theft. i have a letter from when i was on XXXX XXXX from when my identity was compromised and from data breachs and also filed a ftc identity theft report which i will attach for supporting document

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Scammers attacked my credit card destroying my good credit rating so how can I get my good credit rating returned to the way it has been all of my life? It was with Citi VISA card number and some were even made up numbers. I paid and closed my Citi credit cards but still receive fishing via email and via USPS. I am XXXX and scammers prey uipon XXXX women.

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 2025-06-21 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: NV

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Comerica
State: FL

Complaint narrative:
Someone reported my XXXX XXXX card lost. I found out by checking my account balance and my card was cancelled. I reached out to XXXX XXXX and got a new card when I went to get it activated and they wanted my driver 's license and birth certificate and social security card gave it all to them only to get denied verification I went to the social security office and told them about it and they said they can't request the money back from them anymore so I called XXXX XXXX back and they said they can't help me. They have my XXXX payment and I can't get it. I don't know what else to do. I am sitting here with no money unable to pay my bills and groceries. Please help me. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CA

Complaint narrative:
A {$150.00} collection account from XXXX XXXX XXXX appeared on my credit reports in XX/XX/year>, tied to an apartment I vacated XXXX XXXX XXXXXXXX XXXX. 

I was never notified about any balance until it suddenly appeared on my credit reports. I disputed it with XXXX, and they removed the item entirely after reinvestigation ( proof attached ). 

I made a direct payment of {$540.00} for remaining days of XXXX ( XXXX XXXX ) to the original apartment on XX/XX/year>, which is shown in my attached bank statement. 

Despite this, XXXX XXXX XXXX  continue reporting this collection as verified. No new evidence has been provided by XXXX XXXX, and I believe this violates the FCRAs accuracy and reinvestigation requirements. 

I am requesting that the item be deleted or fully validated by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been trying to access my online account with Experian for XXXX XXXX XXXX. Each time I try calling XXXX of their customer service numbers it never directs me to a real person, just an automated system or AI and I never receive the confirmation text messages. I obviously need Experian to update some of my information so I have tried writing to them to do this but they send me back some bogus letter stating that they don't want to respond to my concerns. This is ridiculous. Why can't I speak with someone at an agency that is supposed to have my private consumer information?

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 2025-06-21 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 was made aware of several accounts that are not mine, that are being listed on my credit report. I want these removed from my report as they are not my accounts and I did not open them. I had an ex boyfriend that I believe is the one that opened these things up and messed up my stuff. I remember finding pictures of my ID on his phone and wondering why that would be there. I need your help to remove these fraudulent accounts from my credit report. Thank you so much.

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 2025-06-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: ME

Complaint narrative:
XXXX also called XXXX is a company Ive been with for over XXXX years. Today I looked in my account and saw I was charged a monthly membership fee for the first time ever in XXXX years. 

No warning, no notice - written or electronic, - no sort of mention of a ridiculous {$9.00} fee ( this card has XXXX benefits and is literally a card you can put money on, with nifty designs- they neither offer {$10.00} worth of service, and advertised no fees XXXX years ago with nothing changing for all those years until recently, ) and now my account is negative? 

I never agreed to pay this, nor would I. With sufficient warning, I would have canceled. Checks to their reviews show they are still advertising no fees and then collecting a monthly {$9.00} fee now to equally surprised and angry members as this is straight theft. 

I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
This is a new and separate dispute, submitted based on newly discovered information as of XX/XX/year>. I am disputing the tradeline reported by XXXX XXXX XXXX Co ( Account Number ending in XXXX ), which appears on my Equifax credit report with a balance of {$3300.00} and a status of Charge Off while marked as closed. I assert that this tradeline is being reported inaccurately, incompletely, and in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which require that all furnished data be complete and reported with maximum possible accuracy. According to my records, the account was involuntarily closed following a total-loss insurance event. Insurance proceeds were applied toward the balance, yet XXXX failed to reduce the reported amount accordingly. Furthermore, XXXX did not issue a 1099-C for the remaining balance, which is a requirement under IRS guidelines for canceled debts over {$600.00}. I have verified with the IRS that no cancellation of debt was filed. Additionally, there is no evidence that I was delinquent on the account prior to its closure, and no verified late payment history was provided. Under XXXX XXXX credit reporting standards, a charge-off following an insurance settlement should not retain a remaining balance or suggest continued consumer liability unless contractually enforceable. The current reporting misrepresents the accounts true nature and artificially inflates my debt load. I request a full reinvestigation and demand that this tradeline be either permanently deleted or corrected to reflect a {$0.00} balance, no charge-off status, and no derogatory history. I also request that XXXX and Equifax provide all documentation used to justify the current status, including internal account ledgers, settlement application records, and any legal basis used to report the account as a charged-off debt.

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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally file a complaint against Early Warning Services , LLC ( Early Warning ) for the unauthorized use of my personal information for commercial purposes without my knowledge or consent. 

It has come to my attention that Early Warning has accessed, stored, shared, and potentially profited from the use of my personal informationincluding but not limited to my name, Social Security number, and banking historywithout my express authorization. I have never provided written or verbal consent for Early Warning to collect or use my personal identifying information ( PII ), and I have never entered into a business relationship with your company. 

Despite this, my information appears to have been used in transactions and systems affiliated with Early Warning and its partners, potentially affecting my ability to obtain financial services or open accounts. This is a clear violation of my privacy rights under both federal and state consumer protection and data privacy laws.

I am demanding the following : 1. A full accounting and disclosure of all personal data Early Warning has collected, used, or shared that pertains to me ; 2. An explanation of the source from which my information was obtained ; 3. Immediate removal of my data from your systems unless authorized by law ; 4. Confirmation that Early Warning has ceased using my information for any commercial or monetary gain ; 5. A written statement confirming that my complaint has been received and is being investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have tried opening a CHASE account, as well as online banking and they all deny me! XXXX unsure why and they dont have a specific reason. I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal , Inc. regarding the permanent restriction of my personal PayPal account, despite my full compliance with their policies and willingness to resolve any concerns. 

On XX/XX/year>, PayPal unexpectedly limited my account, claiming it was associated with a high risk due to shared information ( IP, card, or phone ) with other accounts and the use of a VPN or proxy. I was never contacted for clarification prior to the limitation, and I have only ever operated one PayPal account, using verified personal information.

I fully cooperated by submitting all requested documents, including my government-issued ID and details about my business. I run a small online business offering programming and software debugging services. All my work is delivered personally and professionally, and I have never engaged in fraud or suspicious activity. 

The only dispute on my account was a single refund I initiated myself, in good faith, after I couldn't reach an agreement with a customer. I issued the refund to avoid any conflict or dispute escalation. PayPal, however, treated this as a red flag, along with the nature of my digital services, and refused to reinstate my account. 

Despite sending multiple appealsincluding detailed explanations, an offer to provide full access to my website, and proof of my legitimate servicesPayPals Executive Office repeatedly denied my request with vague responses and no clear path to resolution.

My balance has been frozen for 180 days, and I have been banned from creating or using any PayPal accounts in the future.

Why I Am Filing This Complaint : I have not violated PayPals Acceptable Use Policy, nor engaged in fraud or abuse. 

I have been given no specific evidence or proof of wrongdoing. 

I was not allowed to fix any of the issues they flagged, despite offering to cooperate fully. 

I have suffered business and reputational damage, and loss of access to funds for nearly 6 months. 

This type of account actionbased on hidden algorithms or internal risk profiling without due processrepresents an unfair business practice, especially when no appeal or fair review is possible. 

I respectfully request that the CFPB investigate PayPals handling of this matter and encourage the company to provide a clearer explanation or path to reinstatement when no actual violations are found.

Thank you for your attention and support. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. A fraudulent Capital One business credit card was opened using my personal information, including my name, business name, SSN, EIN and address. I did not apply for or authorize this account. I discovered it in my credit report filed an identity theft report with the FTC. I also submitted disputes to the credit bureaus. This account has a balance of over {$5000.00} and is negatively affecting my credit. I am requesting that Capital One close the account, cancel the debt, and ensure it is removed from my credit reports. This is not my responsibility.

Company response to consumer: Closed with explanation