vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: Comerica
State: CA

Complaint narrative:
XX/XX/year> an unauthorized transaction happened to my XXXX XXXX card someone had authorized ATM transaction of XXXX off of my XXXX XXXX card under my card account with XXXX XXXX let someone do that to my son ' XXXX monthly ssi payment. was fraud transaction stolen from my XXXX XXXX card .I called file dispute against transaction with customer service of XXXX XXXX and deined my claim three times. Fraud Department of XXXX  XXXX did believe me I called them, email all the proof of transaction still will not refund my money back on the card. I do not appreciate XXXX XXXX XXXX company treat me like I did this transaction it straight fraud transaction because if happened XXXXXXXX XXXX XXXX  ATM in XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA. I don't not go to XXXX XXXX ATM at all take money out. It was fraudulent transaction from XXXX XXXX card company and I think I want something to done to XXXX XXXX  company treat customers like don't believe them when file fraudulent transaction dispute. I do not money back so I format compliant against XXXX XXXX card to you guys. I want my money back from XXXX XXXX card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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 writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: CA

Complaint narrative:
Once you purchase a new mobile phone from XXXX by XXXX on XX/XX/XXXX the order was supposed to be canceled and I disputed the charge because it posted to my account on XX/XX/XXXX XXXX  by XXXX  was supposed to send me a dispute statement which I didn't receive until XX/XX/XXXX in the mail I have filled it out and emailed it back to them as long with the pre-notice to arbitration if we can not resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
I opened a Netspend account after seeing their advertised {$200.00} welcome bonus for customers who complete XXXX qualifying direct deposits of {$200.00} or more. I met this requirement by completing XXXX direct deposits of {$200.00} each. 

After not receiving the bonus, I contacted Netspend customer service. The representative confirmed that I was qualified for the promotion and told me the issue would be escalated. However, weeks have passed and I have not received the {$200.00} welcome bonus, nor have I received any follow-up communication from Netspend. 

This promotion was a material factor in my decision to open and use this account. Netspend has failed to honor its advertised bonus and has not resolved the issue despite confirming my eligibility.

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 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I have a XXXX wallet with coinbase and they all of a sudden after months of use claim I had another wallet that had a negative {$140.00}. They claim I had it on another email. But I tried to get to it and it was locked. I have {$58.00} on my new wallet and now they say until I pay the {$140.00} on the old wallet my new wallet will be restricted. But I can't send money to a fraudulent wallet that I never had that is locked. I want my account unlocked so I can withdraw my {$58.00} to my bank. They won't do it until I pay the {$140.00} I supposedly owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau 1700 G street NW, XXXX DC XXXX Dispute of Credit Report Entry Negligent Non-Compliance * * Dear Consumer Financial Protection Bureau, I am writing to formally dispute an entry on my credit report that I believe has been incorrectly reported and is causing undue harm to my credit score. After reviewing my credit file, I have identified a discrepancy that requires immediate attention. 

The specific entry in question pertains to \ [ Account Name/Number or Creditor Name ]. I believe this entry falls under negligent non-compliance and may be inaccurately reflecting a liability that does not reflect the true status of my account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal or correction of any inaccurate or outdated information, and this matter seems to fall into that category. 

Details of Dispute : Account Name/Number : XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX BANK NA Date of Issue : XX/XX/year> Nature of Discrepancy : Incorrect information, such as wrong balance, late payments, or/and account status. 

Reason for Dispute .. I assert that this reporting does not accurately reflect my credit obligations and has not been handled in accordance with proper compliance protocols. 

In accordance with the FCRA, I kindly request that you investigate this matter, review the supporting documents I am providing, and correct or remove this inaccurate information from my credit report. 

If there are any further documents required to resolve this dispute or if you need additional clarification regarding the nature of my dispute, please feel free to contact me directly. I expect a response to this dispute within XXXX days of receipt, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau 1700 G street NW, XXXX DC XXXX Dispute of Credit Report Entry Negligent Non-Compliance * * Dear Consumer Financial Protection Bureau, I am writing to formally dispute an entry on my credit report that I believe has been incorrectly reported and is causing undue harm to my credit score. After reviewing my credit file, I have identified a discrepancy that requires immediate attention. 

The specific entry in question pertains to \ [ Account Name/Number or Creditor Name ]. I believe this entry falls under negligent non-compliance and may be inaccurately reflecting a liability that does not reflect the true status of my account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal or correction of any inaccurate or outdated information, and this matter seems to fall into that category. 

Details of Dispute : Account Name/Number : XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX BANK NA Date of Issue : XX/XX/year> Nature of Discrepancy : Incorrect information, such as wrong balance, late payments, or/and account status. 

Reason for Dispute .. I assert that this reporting does not accurately reflect my credit obligations and has not been handled in accordance with proper compliance protocols. 

In accordance with the FCRA, I kindly request that you investigate this matter, review the supporting documents I am providing, and correct or remove this inaccurate information from my credit report. 

If there are any further documents required to resolve this dispute or if you need additional clarification regarding the nature of my dispute, please feel free to contact me directly. I expect a response to this dispute within XXXX days of receipt, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I reported this multiple times and paid this credit card in full and they been saying I didnt but I did XX/XX/year> in full I put in another dispute because its not accurate the dispute was solved in exactly 2 days stating it will stay on my account which doesnt seem right thats not enough time to investigate and find out the truth so I am now reporting the experian and capital one who I paid in full which they can verify that as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-07 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: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' 15 USC 1681n if you fail to comply. I AM A LITIGIOUS CONSUMER AND FULLY INTEND ON PURSUING LITIGATION IN THIS MATTER TO ENFORCE MY RIGHTS UNDER THE FCRA This agency is in violation of 15 USC 1692g. They were to notify me of this writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with DELETION of the above reference ACCOUNTS and send out a free copy of my report after the changes have been made will result in legal actions taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR DELETED IMMEDIATELY : ACCOUNT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
I have a charge off on my credit report I tried many times to have it disputed on my credit report the car was broken down due to maintenance issues I could no longer afford due to my hardship at the time. Then the car was stolen I made a police report on the car and was still stuck with the remaining payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation