vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this formal complaint because Chime has refused to investigate or reverse a fraudulent transaction totaling {$1000.00} that resulted from a sophisticated felony rental scam. The funds were sent between XX/XX/XXXX and XX/XX/XXXX via the Chime Pay Anyone feature to a confirmed criminal account : Recipient Name/ID : XXXX XXXX XXXX XXXX XXXX ) Amount Stolen : {$1000.00} The scam involved the criminal, XXXX XXXX, using a fake XXXX XXXX listing ( URL : https : XXXX ) for a real property at XXXX XXXX XXXX, XXXX, CA XXXX. The funds were extorted under false pretenses as an immediate " security deposit '' to hold the unit. 

Chime 's platform was used by a criminal to commit theft by deception. The account associated with XXXX XXXX ( $ XXXX ) is actively being used to launder stolen funds from multiple victims. 

I have filed a criminal police report for this fraud. 

Police Case Number : [ INSERT POLICE CASE NUMBER HERE ] Jurisdiction : [ Insert Police XXXX ] I demand that Chime immediately : Formally investigate the criminal activity of the receiving account, XXXX XXXXXXXX. 

Review this case under their fraud policy, acknowledging that the funds were obtained via a criminal imposter scam, not a simple payment error. 

Reverse the fraudulent {$1000.00} transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act0 ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Number : XXXXXXXX XXXX XXXXXXXX Creditor Name : XXXX XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding a serious account security breach and loss of funds involving Coinbase , Inc., as well as Coinbases failure to provide communication, access, or resolution since XX/XX/XXXX. 

XXXX. Summary of the Issue I am a Pennsylvania resident and opened an individual Coinbase account in XXXX. I deposited a total of {$15000.00} into my account and used the full amount to purchase cryptocurrency. 

On XX/XX/XXXX, I discovered that all funds had been removed from my account, leaving only a {$3.00} balance. Coinbase later informed me that my account had been compromised and the funds were transferred externally without my authorization. 

XXXX. XXXX of Events XX/XX/XXXX : Deposited {$5000.00} into my Coinbase account. 
XX/XX/XXXX : Deposited an additional {$10000.00}. 
XX/XX/XXXX : Logged into my account and found the balance reduced to {$3.00}. 
XX/XX/XXXX ( XXXX XXXX ) : I contacted Coinbase and was told : My account was breached. 
A hacker converted my assets into XXXX and transferred them off-platform. 
Because my PA drivers license had expired, Coinbase requested updated ID. 
The hacker uploaded a fraudulent XXXX  license with my name but not my photo. 
Coinbase did not review the ID before approving the transfer. 

XXXX. Lack of Access and Lack of Resolution Since XX/XX/XXXX, Coinbase has : Locked my account. 
Denied access to my account history. 
Provided no written findings. 
Failed to recover my stolen funds. 
Claiming the matter is under investigation for over XXXX years. 

XXXX. Basis of Complaint for XXXX I request XXXX assistance because : Coinbase allowed a transfer after accepting a fraudulent ID. 
Coinbase failed basic identity and fraud safeguards. 
Coinbase has withheld access and information. 
Coinbases lack of response threatens my ability to recover funds. 

XXXX. Requested Action From XXXX I respectfully request that the Department : XXXX Review Coinbases handling of this incident. 
XXXX. Require Coinbase to provide written findings. 
XXXX. Require Coinbase to provide full transaction records. 
XXXX. Assist in obtaining a resolution, including account access and reimbursement. 
XXXX. Advise on additional appropriate actions. 

XXXX. Supporting Documents I can provide : Deposit proof Screenshots Emails and call notes Identity documents Coinbase case numbers XXXX. Contact Information Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Phone : XXXX Email : XXXX Coinbase Account Email : XXXX Thank you for your attention. I respectfully request assistance in obtaining documentation, investigation results, and a path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report : XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$370.00} XXXX XXXX XXXXXXXX- Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$11000.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1800.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$2600.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiries on my Experian credit report : XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX  XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my Experian credit report : XXXX  XXXX  - Account XXXX. XXXX XXXX  XXXX  - Account XXXX. XXXX XXXX - Account 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 2025-12-03 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Closed my Amex XXXX account almost XXXX years ago. I was not getting statements mailed so I would go online to view my statement and then pay accordingly. 6 months ago I lost access to online billing. There claim is since I no longer have an ACTIVE open account I can not have access to the online portal. 

I have had to call EVERY month for 6 months to tell them they need to mail my statements moving forward since I don't have access online. Each and every time a rep would say they will fix it and start sending my statement via mail. Last call I told them if I do not get my statements, I'm filing a complaint as I know the institutions require to send statements within 21 days of due date. I am no longer calling them to try and get resolved as it's been XXXX straight months I have tried to rectifiy. 

Submitting this letter as a last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
I was involved in a fraud case where my account had been accessed through my phone and/or my debit card from Cash app that had been left in my vehicle which had been stolen. There were transactions made totaling over {$1100.00}. Ive involved the XXXX Police Department. Ive made a report. And there is an active investigation with two suspects. Cash app consistently claims that I authorize the transactions and that I had the card at the time of the theft. I have two phones which both have access to my bank account, so although I may have made purchases from my account, it was through my phone that I had in my possession. They refuse to look further into the police report or pull up ATM cameras. That people that stole my money are clients of Cash app and they sent them to themselves so they could easily track who did it, but they refuse to and I am out of money as a single father and a veteran of the United States XXXX. And this is put my family at risk and caused us tremendous emotional distress and harm. They continually decide with these felons and their own greed and refused to give me my money back. When I made the complaint instantly he couldve stopped the transaction from processing yet they refuse to. I want my money back. Cash app keeps sending me Robo responses.. I gave them all the information they needed, including police reports where they could pull camera footage and yet they did not, and they just simply say I authorize the transactions which I certainly did not. I have never had spending habits like these. I would certainly would not send that amount of money to somebody for food at XXXX in the morning. Cash app is terrible with having the consumers back instead is stubborn in protecting fraud at this point. Every time I reach out to him, its a different person from support that responds back with the same horrible excuses as to why Im denied instead of actually looking further into this. Ive actually involved XXXX XXXX since the money was drawn from XXXX XXXX and cash app went so far as to escalate my case of the visa and provide false information to visa saying that I made the purchases and I had my phone and my card when I certainly did not. The XXXX please have found enough evidence for two felony charges on people. I dont understand why cash app can see that it was clearly fraud and just give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OLD NATIONAL BANCORP
State: FL

Complaint narrative:
My former Bremer Bank checking account had a long-standing {$100.00} balance. After the Bremer Old National merger, my first Old National statement showed only {$80.00}. My complete transaction history from XXXXpresent shows XXXX posted fees, XXXX deductions, and no returned-mail entries. 
I called customer service on XX/XX/year> XXXX times. Representatives stated that Bremer charged returned mail fees, but no such fees appear on any statement or in the online ledger. Returned-mail fees must appear as transactions, but none exist. 
Supervisors refused to provide any written documentation, refused escalation to Deposit Operations, and twice ended the call. I requested written records of the alleged fees, USPS return records, and the conversion ledger. The bank refused.

I am seeking written documentation and correction of the account balance to its original XXXX dollars.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
I have paid my student loan consistently for years. I was given a new servicer unknown to me and the payments were assumed by Ed financial Service. I have spoken to them several times and provided proof from the bank of twenty-four payments. Starting XX/XX/year>. Twelve payments were unaccounted for. I send certified statements from the bank, send written mails and e-mails along with speaking to to several employees including a supervisor. Although, they have received a complete package only some payments were applied to my account. A total of {$1500.00} is being omitted. Please assist me in this matter. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XX/XX/XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-03 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: NY

Complaint narrative:
Dear Sir/Madam, I am a consumer actively working to repair my credit. I respectfully request that the accounts listed below be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). The following are the accounts I am disputing, separated by each bureau : Charged-Off Accounts : DEPTEDXXXXXX/XX/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 2025-12-03 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:
TransUnion has repeatedly violated the Fair Credit Reporting Act in its handling of my identity theft disputes. After submitting a full FTC Identity Theft Report, my ID, proof of address, and a detailed written dispute, TransUnion sent a notice refusing to block identity-theft-related accounts as required under FCRA 605B.

In addition, TransUnion marked several fraudulent accounts as verified, yet never provided the required Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) despite multiple requests. Because TransUnion could not explain or document how it verified these accounts, the information is unverified and must be deleted under 611 ( a ) ( 5 ) ( A ). 

I also recently learned during a phone call with a TransUnion representative that disputes remained open and awaiting furnisher response beyond the 30-day FCRA deadline under 611 ( a ) ( 1 ) ( A ). The FCRA does not allow a bureau to exceed the deadline simply because a furnisher has not responded. After 30 days, the information becomes unverifiable by law and must be deleted. Instead, TransUnion continued reporting the items, in direct violation of the statute. 

I am a verified theft victim with a long history of personal information misuse. I was once wrongfully arrested in XXXXXX/XX/XXXXbecause my cousin who has almost the same name and the same birth year gave my name to law enforcement. That event caused lasting damage and confusion in public and private databases. 

Later, my purse was stolen from a XXXX parking lot in XXXXXX/XX/XXXX. Inside were my SSN, drivers license, and personal documents. None of these items were recovered, and identity theft activity escalated immediately afterward. 

More recently, I received a breach notification from XXXX, a TransUnion-affiliated company, confirming that my SSN and date of birth were exposed in a major TransUnion data breach. The notice failed to state how long my data had been exposed, leaving me vulnerable with no clear timeline to protect myself. 

As a direct result of these compromises, I have experienced : Accounts opened without my consent Address variations I never used Unauthorized inquiries Joint credit accounts established without my authorization Derogatory reporting tied to identity theft Despite receiving all required documents, TransUnion refused to block the fraudulent items, failed to verify the data, ignored MOV requirements, and kept the accounts reporting after the legal deadline. 

These actions violate the FCRA and have caused me significant financial, emotional, and reputational harm. My escalation letter to TransUnion, which details this noncompliance, is included here as evidence.

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