vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX : Equifax Account in Dispute : XXXX  XXXX XXXX Account XXXX in XXXX XXXXXXXX Date of Response : XX/XX/year> -- - Complaint Summary : I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) by Equifax in connection with my recent dispute regarding a derogatory account from XXXX  XXXX XXXX ending in XXXX XXXXXXXX. 

Equifaxs response dated XX/XX/year>, is contradictory, legally insufficient, and fails to meet the standards of a proper reinvestigation as required by 15 U.S.C. 1681i ( a ) and 1681e ( b ). 


-- - Violations and Issues Identified : 1. Contradiction in Reporting : Equifax states that the disputed item is not currently reporting on the credit file, yet simultaneously claims the information you disputed has been verified as accurate and that information has been updated. 

If the item is not reporting, there is nothing to verify or update this contradiction raises serious concerns about the integrity of the reinvestigation. 



2. Lack of Documentary Evidence : Equifax did not provide any documentation from XXXX  XXXX XXXX to substantiate the accuracy of the information they claim to have verified, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 



3. Failure to Identify What Was Updated : Equifax references information unrelated to your dispute has been updated, yet fails to specify what was updated or how it affects my file. This lack of clarity obstructs my right to understand and challenge the report content. 



4. Failure to Provide Timely and Transparent Resolution : The response is vague, generic, and unhelpful, with no mention of whether any supporting documents were reviewed or if the furnisher complied with verification obligations under 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: ME

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item.

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: ME

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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 2025-06-10 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: ME

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
Company involved : BlockChain.com I bought {$130.00} USD worth of XXXX ( XXXX ) from BlockChain.com on XXXX XXXX, 2025 ( XXXX ). 
I want to send {$120.00} USD worth of XXXX to another wallet but the XXXX I could send is {$120.00} USD worth of XXXX despite the fact that I have {$120.00} USD worth of XXXX in my account. 
And I also tried to sell all the XXXX for XXXX and withdraw the money to my bank account to no avail. When I contact their support desk, they said withdrawing money to XXXX XXXX bank account or cards is not supported. But this is not mentioned anywhere on their website or mobile app. 

Regarding the issue of not abe to sending my full balance to another wallet address, the support simply tell me to clear cache in the browser and app which has nothing to do with this matter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: 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. This is 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 non-monetary relief
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-10 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
I applied for said credit card in XX/XX/XXXX and made on time payments until I went to XXXX XXXX bootcamp. I advised the company to put a hold on my account and they did not and charged me fees for missing payments for the two months that I was in bootcamp. I then made on time payments since XXXX and my account was closed without reason. I have recently opened a new account and I would like to add scra benefits to my old account along with reimbursement of over paid fees and interest and for my new account to have interest lowered to 4 % with protection in the future. I want to receive state benefits titled '' Louisiana Revised Statutes XXXX limits the interest rates that creditors can charge to XXXX XXXX military personnel and their spouses. This statute applies to obligations entered into on or after XX/XX/XXXX. '' Given I am an XXXX XXXX service member that has a home of record for Louisiana. The credit card company has not been helpful with providing me the guidance to achieve this goal due to them not answering the phone and saying they can not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I dispute the accuracy of accounts currently showing on my credit report, which I never authorized or opened. These fraudulent entries are causing harm and must be corrected. In accordance with 15 U.S.C. 1681g, please remove them within 15 days. Ive included documents to assist your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Mezu, Inc
State: UT

Complaint narrative:
I signed up for a bank account with XXXX XXXX  XXXX  XXXX XXXX by Mezu XXXX inc on XX/XX/XXXX in the afternoon. Everything went smoothly and I was in the process of funding the account, adding external bank accounts etc and then I decided to change my password for added security after the initial setup and now the app is stuck in a weird cycle of trying to approve my account. 

The problem is I already have an account setup and I am really upset that a simple password change has broken the app and made me unable to access my account. XXXX XXXX  XXXX XXXX does not have a website to access the bank account which I was not aware of when I setup the account. They also do not have a phone number to call for assistance. Again something that was not advertised on the website for this app. I have cell service with XXXX XXXX and I wanted to support the company further. 

The app is broken and I don't know why changing the password on my account broke the app and I need the app to function in order to access anything to do with this product and now there is a big problem because the app is not working. 

My email and password allow me to login, but now it appears the app is trying to create and verify my account again for some reason. It already exists and it is stuck in a cycle of verifying my account info over and over again and it never completes the process. I have tried to access my account over several hours at different times and the access issues continue. This is an absolutely unacceptable and terrible experience that I am having. There are reports as well that this company does not respond to consumer complaints and they fail to provide services as requested. I did not know that before I signed up and I need help as soon as possible. 

I am sure I am not the only one with this issue and I can not get a hold of anyone to fix this issue. The website advertises 24/7 support availability for this app and that is not true. I can only fill out a form letter and then wait for a response. That was not disclosed in the materials when I signed up. 

I have several other bank accounts and I have never faced an issue like this where the app fails to work and there are no support options to fix the problems in real time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-10 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: MD

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

Company 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 2025-06-10 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-10 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: NV

Complaint narrative:
TransUnion ; Fraud Victim Assistance Department XXXX XXXX XXXX  XXXX, PA XXXX Dear Sir or madam : I am a victim of identity theft including but not limited to the XXXX  data breach also the XXXX XXXX XXXX breach. There is information listed on my consumer credit profile which does not relate to any transaction ( s ) that I have.

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Paying my Chase Freedom Card, or any Chase credit card takes days and sometimes weeks. Using their app, the payment will show as posted, but they will not actually draw the money until 4 or 5 days later. Sometimes even longer. Its extremely frustrating because after some time, the money might no longer be there. Its impacting my credit score. 

Most recently, I tried posting payment on XX/XX/XXXX but they took too long so the payment was returned. On XX/XX/XXXX, I accepted a call from one of their agents and scheduled a payment for the XXXX. XXXX paying off a mountain of credit card debt, and other lenders had already depleted my bank account. On XX/XX/XXXX I was notified Chase had reported my balance delinquent to the credit bureaus despite explaining the situation to the agent and scheduling a payment for the full balance at the end of the month. They attempted to draw the funds a second time on XX/XX/XXXX, and it was returned again. They said there was some issue with my bank which has never happened before. I scheduled A THIRD payment on XX/XX/XXXX. Its now the XXXX, and they STILL have not drawn the funds, but the card is showing a XXXX balance on the app. 

I have escalated the situation to the bank. They refuse to acknowledge the issue. My credit score is down XXXX points because of this. This is not the first time. Of all the credit card companies, Chase is without a doubt the most difficult to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
My personal information was compromised due to a data breach. My engagement number is XXXX. 

I am formally disputing the following accounts : OneMain AccounXXXX 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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I was checking my credit report and noticed a debt collection I am not aware about. I have not received any letters in the mail nor phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief