vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-23 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: LA

Complaint narrative:
On XX/XX/year> I took out a {$690.00} installment loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The loan carried an APR of XXXX XXXX and required repayment of {$1400.00}. I have already repaid all but {$440.00}, which means I have paid nearly double the original principal. 
Despite this, the company is still reporting the account as Past Due on my credit. My XXXX XXXX portal even shows Past Due {$0.00}, which is inconsistent and misleading. I requested a full payment history and an explanation of their reporting, but the company has never provided this information.

I believe this account is being reported inaccurately in violation of the Fair Credit Reporting Act. I also believe the interest rate charged violates Louisiana XXXX laws, since neither XXXX XXXX XXXX XXXX XXXX XXXX  is licensed with the Louisiana XXXX XXXX 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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.

Complaint narrative:
In XXXX, Chase began charging me monthly service fees on my Chase College Checking account. Between XX/XX/XXXX and XX/XX/XXXX, a total of {$190.00} in fees were deducted from my account. The first charges were {$6.00}, later increased to {$12.00} per month. Another increase to {$15.00} is scheduled for XX/XX/XXXX. 

When I opened the account in XXXX, I was told the monthly service fee was waived for up to XXXX years while enrolled in school. At no point did I receive written notice that this waiver was ending or that the {$12.00} fee was starting. 

I first noticed these fees and began raising complaints in mid-XXXX. I repeatedly requested copies of the notices Chase claims were sent. Instead of producing them, Chase directed me to search my online Notices and letters. I reviewed my account history and confirmed no such notices exist. Chase has not provided proof that any disclosure was sent. 

On XX/XX/XXXX, after I had already started my complaints, I did receive an email from Chase stating that the monthly fee would increase from {$12.00} to {$15.00} starting XX/XX/XXXX. This proves Chase is capable of sending fee-change notices when it chooses to, but no such notices were provided for the earlier {$12.00} fee or the end of my {$0.00} student waiver. 

Most recently, Chase informed me by email that no further action would be taken and closed the matter without resolution. 

This shows that Chase charged fees without providing the required advance notice under the Deposit Account Agreement and without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-23 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: MS

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DOES NOT BELONG TO ME. PLEASE REMOVE IMMEDIATELY. THE AMOUNT OF THIS COLLECTION IS {$630.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Americor Funding, LLC
State: NY

Complaint narrative:
Your XXXX loan ending in XXXX has been sold to XXXX XXXX and is no longer being serviced by Credit9 as of 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 2025-08-23 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Using a Citibank credit card, I booked accommodation through the XXXX website, on which " XXXX XXXX  '', a XXXX company, advertises its properties. 

The booking conditions indicate that I had until XXXX XX/XX/year> to cancel, albeit with a 40 % penalty. 

I cancelled using the XXXX platform on XXXX XXXX and messaged the property owner several times, never getting a response. 

Around the end of XXXX, I initiated a chargeback for 60 % of the total cost ( {$640.00} out of the total of {$1000.00} ). 

On XX/XX/XXXX, Citi advised me that they had found in favor of the merchant, without asking me for any evidence or other information concerning the dispute. 

The same day, I both emailed Citi and sent them a letter by mail appealing the finding and providing documentary evidence of the timeline and conditions of booking. 

On XX/XX/XXXX, Citi messaged me again indicating that they " no longer have any available means to assist you in this matter since the timeframe in which to resolve a dispute has passed '', which is simply outrageous given that I responded to each of their messages on the same day they were sent. 

Please let me know if you require any additional information or 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 explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have a XXXX account with BMO ( for over XXXX yrs ). I deposited a check yesterday ( XX/XX/year> @ XXXX am ) via mobile banking. The check was also drawn off BMO, the check was for XXXX. It was credited to my account during nightly processing, but I was only given availability of XXXX. I would expect this check to have cleared the mutual customers account the same night and sure they didnt charge a partial amount of 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 2025-08-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information listed on my Equifax credit report. The account in question is : Creditor Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Reported Balance : {$170000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
I am trying to withdraw all funds off of coinbase. My account is restricted due to me needing to verify my identity. I submitted my drivers license and get an email saying it has been accepted and I need to finish completing the setup. When I go to do that I get stuck on the same screen and the button to move to the next page does not work. I contacted coinbase support a few times, and the most recent time I was informed that they have known about this issue since XX/XX/year> ( I am writing this on XX/XX/year> ). However, on status.coinbase.com there are no incidents listed. Coinbase is not being transparent with their own issues and is withholding funds that do not belong to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-08-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a XXXX-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I keep having these same problems with Wells Fargo they keep taking my money more money off my card then it suppose to be this is the second time Ive been through this with Wells Fargo I was at {$390.00} I only paid for four things yesterday XXXX XXXX XXXX and XXXX XXXX I was suppose to be at {$240.00} then my balance went down to {$200.00}. Last time I spoke to a lady about this same problem and she said they only take money off during the weekends.

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 2025-08-23 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: NC

Complaint narrative:
I am a victim of identity theft. I checked my credit today and there a several loans credit cards and students loans ive never opened. I have never gave anyone authorization or permission to open these accounts without my consent

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 2025-08-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unverifiable, and unauthorized entries on my credit report that have caused me severe financial harm, emotional distress, and reputational damage. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), and related federal laws. The continued reporting of these inaccuracies has denied me access to credit, inflated interest rates, and created significant stress that has affected my health, family, and overall quality of life. 
XXXX XXXX XXXX High Balance : {$6400.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 611 ( 15 U.S.C. 1681i ) requires that disputed items be verified or removed. If the furnisher can not provide original documentation with my signature proving the debt, the charge-off must be deleted. FDCPA 807 ( 8 ) also prohibits communicating false credit information.

Story : This account has been reported as a charge-off, but I dispute its accuracy. The reporting furnisher has failed to validate the alleged debt, provide proper accounting, or demonstrate that they followed the law before charging off this account. Continued reporting of unverifiable derogatory information not only damages my creditworthiness but also violates federal law, as unverified or incomplete data can not legally remain on my file. 
XXXX XXXX XXXX High Balance : {$700.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 602 ( A ) ( 1 ) emphasizes the need for accurate credit reporting for fair and efficient credit decisions. Continuing to report outdated or unverifiable charge-offs is a direct violation. FDCPA 807 also prohibits the reporting of misleading information.

Story : This account is being reported as a charge-off even though it is well beyond its useful reporting period and has not been validated. Outdated and unverifiable accounts should not remain on my credit file. The continued presence of this derogatory account has harmed me financially and caused undue stress as it misrepresents my true creditworthiness.

In conclusion, these accounts, collections, late payments, charge offs, and unauthorized inquiries are inaccurate, unverifiable, and damaging. I request that
all disputed items be fully investigated, verified with original documentation, or permanently deleted from my credit report. Failure to resolve these matters will leave me with no choice but to pursue further action with the CFPB, state regulators, and legal remedies under FCRA 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am a member of Navy Federal Credit Union and have been unable to access my account due to repeated issues with their two-factor authentication ( XXXX ) system. XX/XX/year> I requested that Navy Federal disable 2FA temporarily so I could log in, but the system repeatedly reactivated before the promised 24-hour window expired. XX/XX/year> When I contacted Navy Federal 's Digital Service department, the representative was malicious, unhelpful, refused to connect me with a supervisor, and after pleading with her not to, she disconnected the call. I called back and a separate representative immediately connected me with a supervisor, after following recommended steps to troubleshoot this issue, it remains unresolved. As a result, I remain locked out of my account. 

Issue and Impact : I can not access my banking history or account statements needed for a loan application. 

I am now late on my rent and bills, which is causing financial hardship.

Navy Federal has not provided an alternative method to access my transaction history or account records.

While I understand the need for security, Navy Federal has a duty to provide members with reasonable access to their own funds and records. By repeatedly reactivating two-factor authentication despite my request to have it XXXX, and by refusing to provide an alternate way to access my statements or history, Navy Federal effectively blocked me from my own account.

This failure of access constitutes : An unreasonable barrier to my funds and account history, which are legally mine. 

A failure to provide alternate accommodations ( such as mailed/faxed statements, secure message delivery, or in-branch assistance ). 

Negligent customer service, as the representative refused escalation and disconnected the call instead of resolving the issue. 

Because of this, I suffered financial harm I was unable to complete a loan application and am now late on rent and bills.

What I have tried : Contacted Navy Federal multiple times by phone Requested escalation to a Supervisor but was denied and disconnected Asked for my 2FA to be disabled for 24 hours as promised, but it was reactivated prematurely recommended troubleshooting ( Clearing cache and cookies - updating cell phone software and PC operating systems )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
I am writing to report a problem with a recent money transfer I completed through MoneyGram. I successfully sent money to my friend in XXXX and I have the receipt confirming the transfer. However, when my friend went to the MoneyGram location in XXXX to receive the funds, she was told that there was a problem and that the money was not available at that location. 

I am very concerned, as the transfer was already completed on my end. I kindly request your assistance in investigating this matter urgently and resolving it as soon as possible. Please let me know what additional information or documentation you may need from me in order to fix this issue.

Thank you for your prompt attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: NY

Complaint narrative:
I am filing this formal complaint against Kovo for ongoing inaccurate, harmful, and non-compliant credit reporting in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

I paid off my Kovo account in full in XX/XX/XXXX, yet as of XX/XX/XXXX, Kovo is still inaccurately reporting 7 late payments on XXXX  and XXXX on XXXX, even though the account is closed and paid. These negative entries are materially false and are harming my creditworthiness. 

On XX/XX/XXXX, I sent a formal Intent to Sue letter. I also previously submitted a CFPB complaint, both of which have been ignored. Kovo has also failed to provide reporting documentation under FCRA Section 609 and is now in violation of multiple consumer rights.

Kovos reporting also violates XXXX XXXX guidelines, particularly the Compliance Condition Code ( CCC ) and Account Status fields, which are required to be reported correctly and uniformly. Reporting a closed and paid account while still showing multiple months of delinquencies after payoff is a direct violation of : XXXX XXXX Data Field 17A : Account Status Code Kovo should be reporting 13 Paid or closed account/zero balance, not continuing derogatory statuses post-closure. 

XXXX XXXX XXXX Field 17B : Payment Rating If the account is paid and closed, no late or delinquent payments should be reflected after the final payment date. 

XXXX XXXX XXXX Field 22 : Date of Account Information Kovo appears to be failing to update this with the correct date reflecting when the account was last updated post-payment. 

XXXX. XXXX XXXX Guidelines : Uniform Reporting Across Bureaus The data is inconsistent between TransUnion and Equifax, showing differing late payment amounts and months, which violates XXXX XXXX requirement for furnishers to report uniformly across all CRAs.

These failures are resulting in artificial suppression of my credit score, are preventing me from obtaining approvals, and show reckless disregard for federal compliance. I request immediate investigation and correction. If this is not resolved promptly, I am prepared to escalate with legal counsel.

Company response to consumer: Closed with explanation