vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Ive been having issues with my IRA account with Chase. When I opened the account I was told it had a monthly interest rate of .20 % ( which I have confirmed with my records ), but the bank is saying its a .02 % annual interest rate. Ive been receiving statements yearly that show 0.000 % annual interest rate. I dont believe the right interest rate has ever been applied. Recently, I received a letter saying Chase is closing my IRA account due to restructuring of their departments and gave me 60 days to either take a check ( minus a 10 % early withdrawal penalty and taxes ) or transfer it to another IRA through JP Morgan. However, when I have tried to make this transfer by setting up an appointment with representative XXXX XXXX on XX/XX/XXXX at XXXX he said he couldnt help me because he didnt have the authorization. He said he would send me a online link to do myself which he never followed through on. Im concerned about the incorrect interest rate and the penalty fee since Im not closing the account. Id like to dispute the incorrect interest rate and the penalty fee, and I want help transferring my IRA to the place Chase is saying it needs to go without penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AK

Complaint narrative:
On XX/XX/2025, XXXX publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 writing to formally dispute several inaccuracies appearing on my credit reports, which, upon careful review, have been identified as misrepresenting my actual financial history and responsible credit behavior. The accounts reported under my name, including late-closed accounts from XXXX ending XXXX with a balance of {$1600.00}, XXXX ending XXXX with a balance of {$1700.00}, XXXX ending XXXX with a balance of {$3500.00}, and XXXX reported XX/XX/year>, have been inaccurately reported, leading to a distorted portrayal of my financial responsibility that may adversely affect my ability to access credit, secure housing, or pursue employment opportunities that rely on accurate credit reporting. 
The late-closed accounts from XXXX and XXXX, as noted above, do not accurately reflect the timing of closure, balances, or account status according to my verified payment history. These accounts were properly settled and closed in good standing, yet the reporting does not reflect this fact, creating the false impression of delinquency. Such reporting inconsistencies violate FCRA XXXX ( a ) ( XXXX ), which requires furnishers to report accurate dates of first delinquency, and FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates that all information provided to consumer reporting agencies be accurate, complete, and properly verified. 
The XXXX account, listed with a date of XX/XX/year>, further demonstrates the inconsistency of reporting across the bureaus, as it is either inaccurately reflected or incomplete. These errors, if left uncorrected, contribute to a fragmented credit history that misrepresents my financial behavior, potentially leading to wrongful credit denials or other adverse financial consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I am submitting this complaint to dispute multiple inaccurate, outdated, and unverifiable items on my credit reports that require immediate correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These disputes are filed under the authority of 1681i ( a ) duty to investigate disputes, 1681e ( b ) duty to follow reasonable procedures to ensure maximum accuracy, 1681c-2 ( a ) reporting accurate information, 1681j ( a ) preventing fraudulent or unauthorized reporting, 1681g right to obtain all information in my file, 1681i ( a ) ( 5 ) requirement to delete unverifiable information, and 1681s-2 ( a ) responsibility of furnishers to report accurate information. 
On Experian, my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a {$1700.00} balance XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a {$410.00} balance * * are incorrectly reported as late closed accounts, and my XXXX XXXXXXXX XXXX XXXX XXXX XXXX is listed as a collection with a balance owed of {$15000.00}, which is false and unverifiable. 
On Equifax, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is incorrectly reported with a {$410.00} balance * *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is inaccurately reported as a late closed account with a {$0.00} balance, and my XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are reported with balances of {$15000.00} and {$120.00}, which are inaccurate. 
On TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX are incorrectly reported as late closed with balances of {$1700.00} and {$410.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  is inaccurately reported as a collection with {$15000.00} owed, and XXXX XXXX XXXX XXXX XXXX XXXX accounts are reported as charge-offs with {$0.00} balances. Additionally, there are unauthorized inquiries listed on TransUnion from XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, and OneMain XX/XX/XXXX, which I did not authorize, violating FCRA 604 ( a ) ( 3 ) permissible purposes for credit reporting.

These negative items are inaccurate, inconsistent, unverifiable, and outdated, and your reporting violates multiple FCRA sections in
cluding 1681i ( a ) ( 1 ) obligation to reinvestigate disputed information, 1681e ( b ) ensure maximum accuracy, 1681c-2 ( a ) accurate reporting of information, 1681j ( a ) preventing fraudulent reporting, 1681i ( a ) ( 5 ) deletion of unverifiable data, 1681g my right to file disclosure, and 1681s-2 ( a ) obligations of furnishers to report accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 am submitting this complaint to dispute multiple inaccurate, outdated, and unverifiable items on my credit reports that require immediate correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These disputes are filed under the authority of 1681i ( a ) duty to investigate disputes, 1681e ( b ) duty to follow reasonable procedures to ensure maximum accuracy, 1681c-2 ( a ) reporting accurate information, 1681j ( a ) preventing fraudulent or unauthorized reporting, 1681g right to obtain all information in my file, 1681i ( a ) ( 5 ) requirement to delete unverifiable information, and 1681s-2 ( a ) responsibility of furnishers to report accurate information. 
On Experian, my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a {$1700.00} balance XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a {$410.00} balance * * are incorrectly reported as late closed accounts, and my XXXX XXXXXXXX XXXX XXXX XXXX XXXX is listed as a collection with a balance owed of {$15000.00}, which is false and unverifiable. 
On Equifax, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is incorrectly reported with a {$410.00} balance * *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is inaccurately reported as a late closed account with a {$0.00} balance, and my XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are reported with balances of {$15000.00} and {$120.00}, which are inaccurate. 
On TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX are incorrectly reported as late closed with balances of {$1700.00} and {$410.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  is inaccurately reported as a collection with {$15000.00} owed, and XXXX XXXX XXXX XXXX XXXX XXXX accounts are reported as charge-offs with {$0.00} balances. Additionally, there are unauthorized inquiries listed on TransUnion from XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, and OneMain XX/XX/XXXX, which I did not authorize, violating FCRA 604 ( a ) ( 3 ) permissible purposes for credit reporting.

These negative items are inaccurate, inconsistent, unverifiable, and outdated, and your reporting violates multiple FCRA sections in
cluding 1681i ( a ) ( 1 ) obligation to reinvestigate disputed information, 1681e ( b ) ensure maximum accuracy, 1681c-2 ( a ) accurate reporting of information, 1681j ( a ) preventing fraudulent reporting, 1681i ( a ) ( 5 ) deletion of unverifiable data, 1681g my right to file disclosure, and 1681s-2 ( a ) obligations of furnishers to report accurate 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
What happened : I am a XXXX former XXXX XXXX  XXXX who has been trying in good faith to settle a Citibank credit card balance of {$7200.00} since XX/XX/XXXX. I first notified Citibank of my permanent XXXX on XX/XX/XXXX, and made multiple written settlement offers, including one sent by certified mail on XX/XX/XXXX. 

Citibank denied all settlement offers and advised me to fall behind on payments. I recently discovered that Citibank filed a lawsuit on XX/XX/XXXX ( unknown docket number ), allegedly for the same amount, but I was never served or notified. The answer deadline appears to be XX/XX/XXXX. 

Citibank claims its counsel, XXXX XXXX XXXX XXXX XXXX, represents them. Since XX/XX/XXXX, I have made over 10 calls to XXXX XXXX XXXX at XXXX, XXXX, and XXXX. Every call is met with an automated greetingThank you for calling the XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX the call disconnects. I have also sent emails with no response. 

Citibanks own Recovery Department has tried to contact XXXXXXXX XXXX XXXXXXXX while I was on the line and experienced the same disconnect. Twice, Citibank promised to email the law firm requesting they call me ; I received only one voicemail on XX/XX/XXXX at XXXX AM from someone named XXXX at XXXX XXXX XXXX, with no follow-up. 

I have never been provided proof of service, case details, or a functioning contact with the supposed law firm. Both Citibank and XXXX XXXX XXXX have failed to respond to my settlement attempts or procedural inquiries. This appears to be a deliberate obstruction of communication and possibly an unfair collection or deceptive practice under the FDCPA. 

What I am requesting : Immediate verification of the alleged lawsuit ( court, docket, and proof of service ). 

Confirmation that XXXX XXXX XXXXXXXX is legitimately representing Citibank in this matter. 

Direct written contact from a qualified representative or attorney. 

Investigation into whether Citibank and XXXX XXXX XXXXXXXX are violating the FDCPA or consumer protection laws by obstructing communication and filing suits without notice. 

Supporting evidence attached : Letter to XXXX XXXX XXXX XXXX and Citibank N.A. dated XX/XX/XXXX Exhibit A : Communication Log ( XX/XX/XXXX XX/XX/XXXX ) showing multiple call attempts and disconnections Complainant information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : 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 2025-11-18 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
Collection account # XXXX listed as Eastern Account system. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my credit report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MARINER FINANCE, LLC
State: AZ

Complaint narrative:
XXXX  : Account : XXXX XXXX XXXX  amounting to {$0.00}, which appeared on XX/XX/XXXX, XXXX XXXX amounting to {$0.00}, which appeared on XX/XX/XXXX, XXXX XXXX  XXXX amounting to {$1200.00}, which appeared on XX/XX/XXXX, XXXX XXXX  XXXX amounting to {$520.00}, which appeared on XX/XX/XXXX, XXXX XXXX XXXX XXXX amounting to {$280.00}, which appeared on XX/XX/XXXX, XXXX XXXX XXXX amounting to {$0.00}, which appeared on XX/XX/XXXX, XXXX XXXX amounting to {$41000.00}, which appeared on XX/XX/XXXX, XXXX MARINER FINANCE amounting to {$12000.00}, which appeared on XX/XX/XXXX, XXXX XXXX XXXX amounting to {$2400.00}, which appeared on XX/XX/XXXX ; XXXX  : Account : XXXX XXXX XXXX  amounting to {$0.00}, which appeared on XX/XX/XXXX, XXXX XXXX amounting to {$0.00}, which appeared on XX/XX/XXXX, XXXX XXXX  XXXX amounting to {$1200.00}, which appeared on XX/XX/XXXX, XXXX XXXX  XXXX amounting to {$520.00}, which appeared on XX/XX/XXXX, XXXX XXXX XXXX XXXX amounting to {$280.00}, which appeared on XX/XX/XXXX, XXXX XXXX XXXX amounting to {$0.00}, which appeared on XX/XX/XXXX, XXXX XXXX amounting to {$41000.00}, which appeared on XX/XX/XXXX, XXXX XXXX XXXX amounting to {$12000.00}, which appeared on XX/XX/XXXX, XXXX XXXX XXXX amounting to {$2400.00}, which appeared on XX/XX/XXXX ; XXXX  : Account : XXXX XXXX amounting to {$0.00}, which appeared on XX/XX/XXXX, XXXXXXXX XXXX amounting to {$0.00}, which appeared on XX/XX/XXXX, XXXX XXXX  XXXX amounting to {$1200.00}, which appeared on XX/XX/XXXX, XXXX XXXX  XXXX amounting to {$520.00}, which appeared on XX/XX/XXXX, XXXX XXXX XXXX  amounting to {$280.00}, which appeared on XX/XX/XXXX, XXXX XXXX XXXX amounting to {$0.00}, which appeared on XX/XX/XXXX, XXXX XXXX amounting to {$41000.00}, which appeared on XX/XX/XXXX, XXXX XXXX XXXX amounting to {$12000.00}, which appeared on XX/XX/XXXX, XXXX XXXX XXXX  amounting to {$2400.00}, which appeared on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
Issue : Coinbase withdrew XXXX ACH transfers from my bank ( {$350.00} and {$310.00} ) on XX/XX/scrub> 2025. Both debits fully cleared my XXXX XXXX account. Coinbase also emailed me a receipt for the {$310.00} XXXX purchase, stating the funds were on hold until XX/XX/year>. Immediately after I submitted identity verification, Coinbase locked my account while the deposits were still in their hold period. 

What happened : My account now displays a XXXX balance despite Coinbase having withdrawn {$660.00} in total from my bank. I submitted all requested documents, including : ID selfie Front/back of my ID Bank screenshots showing both ACH debits Coinbase email confirming the {$310.00} XXXX purchase Support continues to send automated scripts directing me into an endless identity-verification loop. No one will escalate the case to Payments Operations or provide a human review. They keep repeating that my account has no balance, even though Coinbase already pulled the funds. They have not released the deposits, credited my account, or returned the money to my bank. 

Harm : Coinbase is currently holding {$660.00} of my money with no access, no escalation, and no explanation. I can not retrieve my funds, access my account, or get a meaningful response. The funds were promised to be available after the hold period but remain inaccessible. 

What I want : I want Coinbase to immediately : XXXX. Locate and release or return the XXXX ACH deposits ( {$350.00} + {$310.00} ). 
XXXX. Conduct a human investigation through Payments Operations / ACH staff. 
XXXX. Restore my account access or provide a written explanation of where my funds went and when I will receive them back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I Try several Times with Bank to work it Out to Delete Late payments but they are Not Co operating

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I Try several Times with Bank to work it Out to Delete Late payments but they are Not Co operating

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint because I paid over {$50000.00} to a merchant for a coaching program that was never delivered. 
The merchant gave me access to a XXXX portal, but the portal contained no videos, no course materials, no downloads, and no usable content at all. It was simply used as a payment collection page, not a real service. Shortly after receiving my money, the merchant disappeared and stopped responding completely. XXXX later closed my access, which prevented me from obtaining further evidence. 
I submitted a dispute to Truist ( for the {$3.00} transaction ) explaining the non-delivery, but I have not received proper support or protection :XX/XX/XXXX reconsideration : Truist denied my dispute because I approved the transaction. 
I never claimed the transaction was unauthorized. My dispute was always based on services not received, which is protected under Regulation XX/XX/XXXX. 

XX/XX/XXXXreconsideration : Truist said I received a deliverable because I accessed the XXXX portal. The portal was empty. Access to an empty portal is not delivery of services. 

Phone escalation : When I attempted to escalate by phone, the agent incorrectly told me that my card does not cover fraud, even though my dispute is not fraud. It is strictly non-delivery of services, and that has been the basis from the beginning. 

To provide clear context, I filed the same dispute with XXXX, XXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, using the exact same evidence, and all of them approved the chargeback immediately. 

Every other financial institution recognized this as a clear case of non-delivery. 

Truist is the only institution that has not acknowledged the facts. Their responses have been inconsistent and do not address the core issue : the merchant never delivered any product or service. 

I am requesting CFPB assistance because Truist is not properly applying the Fair Credit Billing Act, and I have been left without the basic consumer protections that every other institution provided.

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