vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was suggested this moving company while booking a truck on uhauls site. I booked for movers on XX/XX/year> and paid a deposit of {$100.00}. I was charged {$110.00} by a different company. The movers never showed up ( after several hours and hanging up on me multiple times ) or communicated that they wouldn't show up, leaving me to move my own things and hire more help for my large items. After contacting them after XXXX business days and no refund, I was told I needed to wait XXXX business days. After XXXX business days, I was then told they contracted my services to a third company and also that since I didn't have a refund receipt ( they never sent XXXX ) that I wouldn't be getting a refund and they couldn't help me, despite the fact they are who I did business with and paid. I contacted my bank and was told they can't help me because of the way the invoice was paid. I contacted XXXX who provided the invoice and was also told they can't help because they don't have access to the merchants transactions/account details. So... basically I was suggested this company by a well known company ( XXXX  ) thinking they had done their due diligence before suggesting them to their customers and they had not. After looking them up and reporting them to the XXXX, I discovered they have done this to many others and are basically scammers who knew exactly how to get away with stealing from myself and others, leaving us with no way to recoup our money. I also recorded calls with them telling me I'd receive a refund, when it was initiated and with their names and also calls of them going back on their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-06-30 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: FL

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My Coinbase account has been locked for over a month, and I have not been able to access my funds. I contacted Coinbase several times by phone and spent hours both during the day and at night trying to resolve the issue. I tried changing my password and recovering the account, following all available steps on the platform, but nothing worked. Eventually, a Coinbase representative told me not to call anymore because the issue was being worked on, and that I would receive an email. However, I never received any follow-up communication or resolution. I am still locked out of my account and UNABLE TO ACCESS MY FUNDS or get a clear explanation of what is happening. I was not given any timeframe, reason, or next steps. I feel that Im being ignored, despite following all procedures and contacting support multiple times. This situation is unacceptable, as it involves access to my personal assets and financial security. Im requesting immediate assistance and a full explanation of why my account has been restricted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: WA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I was alarmed to see an unauthorized inquiry suddenly appear on my credit report, and I have no idea how it got there. I always check my report regularly, and this unexpected discrepancy is incredibly frustrating. I even refreshed my browser hoping it was a glitch, but nothing changed. I urgently need you to thoroughly review the documents I sent so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Peoples gas said I owed an amount that was already paid. They did put the amount on my bill and on my credit report. I requested that they remove and show proof of removal since they were forcing me to pay the amount or threatening to turn off service. They have not removed the amount from my report even after me disputing the information. That amount is on my active accountI am currently paying it. I requested to have this information removed my report and it has not been removed. The credit bureaus only put disputed but didnt remove it. I need it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: DE

Complaint narrative:
I am writing to formally dispute XXXX inaccurate collection accounts currently appearing on my credit file. These accounts contain incorrect information regarding the date of first delinquency and appear to be re-aged, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. 
XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Open Date Reported : XX/XX/XXXX Balance : {$390.00} This debt originated in XXXX and has been falsely re-aged by reporting a new open date in XXXX. Please verify the original date of delinquency and remove this account if the date is inaccurate. 

XXXX. 
XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Open Date Reported : XX/XX/XXXX Balance : {$1200.00} This account is also inaccurately reporting a recent open date. I dispute this information and request verification of the original delinquency date. If unverifiable or inaccurate, please remove this account. 

I am requesting an investigation of both accounts and deletion if they can not be verified with the correct dates. 

Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX, a {$99.00} payment was made and then canceled on XX/XX/XXXX. That amount was held from my available balance but never returned. Ive gone through my transaction and balance history line by line no credit, reversal, or balance adjustment ever occurred. 

I asked Bank of America reps multiple timeXXXX to provide written proof ( such as a reversal record, timestamp, or transaction ID ) showing the release of funds. They refused and admitted they do not provide that information in writing. 

This is unacceptable. I am requesting a formal investigation and documentation of where and when my {$99.00} was restored. I still have not received it, and Bank of Americas handling of this issue has been dismissive, evasive, and misleading.

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 2025-06-30 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: AR

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I was shocked and very upset to find an unauthorized inquiry on my credit report without any explanation. I regularly check my report, and this has never happened before. I refreshed the page thinking it might disappear if it was just a browser issue, but it didnt. I need this problem investigated right away by reviewing the documents Ive sent, because this situation is really worrying me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
upon me reviewing my credit reports i noticed account that was opened in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
upon me reviewing my credit reports i noticed account that was opened in my name

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 2025-06-30 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: AZ

Complaint narrative:
I pride myself on always paying my bills on time most of my adult life. My credit score was up to XXXX in XXXX. The someone committed fraud using an old XXXX account and charged {$150.00}. We never received any billing from XXXX stating that we owed them anything. My first inkling of a problem was when my credit score suddenly dropped over night from XXXX to XXXX. We contacted XXXX and explained this was fraud and after investigating it, they agreed and closed the account. I wrote a letter to all three credit agencys explaining that, but they would not return my credit score to what it had been. Now, because I always pay my bills on time using auto-pay, I was able to get my credit score back up to XXXX. Then suddenly on the week of XX/XX/XXXX, I checked on my credit score again and it had dropped to XXXX yet again!!! This time stating that I have XXXX account that is XXXX days past due!!! I ran my credit report and all of my accounts show that I am current, which is absolutely true, because all of my accounts are set up on auto-pay and I have plenty of money in my account to cover the payments. It appears to me that the credit reporting agencies are hijacking my credit score and then offering extra measures that can be purchased through them for {$29.00} per month to prevent this from happening. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AZ

Complaint narrative:
I pride myself on always paying my bills on time most of my adult life. My credit score was up to XXXX in XXXX. The someone committed fraud using an old XXXX account and charged {$150.00}. We never received any billing from XXXX stating that we owed them anything. My first inkling of a problem was when my credit score suddenly dropped over night from XXXX to XXXX. We contacted XXXX and explained this was fraud and after investigating it, they agreed and closed the account. I wrote a letter to all three credit agencys explaining that, but they would not return my credit score to what it had been. Now, because I always pay my bills on time using auto-pay, I was able to get my credit score back up to XXXX. Then suddenly on the week of XX/XX/XXXX, I checked on my credit score again and it had dropped to XXXX yet again!!! This time stating that I have XXXX account that is XXXX days past due!!! I ran my credit report and all of my accounts show that I am current, which is absolutely true, because all of my accounts are set up on auto-pay and I have plenty of money in my account to cover the payments. It appears to me that the credit reporting agencies are hijacking my credit score and then offering extra measures that can be purchased through them for {$29.00} per month to prevent this from happening. Please help me!!!

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 2025-06-30 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( XXXX ), yet they have proceeded to place : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.EXPERIAN has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). EXPERIAN is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the XXXX  breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. 
Sincerely, 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