vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
To whom it may concern : These accounts are fraudulent, these accounts are not mine/ I never opened these accounts/ I was a victim of identity theft. I filed a complaint with the Federal Trade Commission, and it is attached FTC Report Number : XXXX Delete/Block these accounts immediately. 
XXXX XXXX Account number XX/XX/XXXX - OPENED XXXX Status Account charged off. {$110.00} written off. {$56.00} past due as of XX/XX/XXXX. 
{$190.00} XXXX XXXX Account number XXXX XXXXXX/XX/XXXX - OPENED Status Paid, Closed. 
{$110.00} XXXX XXXX Account number XXXX XX/XX/XXXX - OPENED Status Paid, Closed. 
{$160.00} XXXX XXXX Account number XXXX XX/XX/XXXX - OPENED Status Paid, Closed. 
{$630.00} XXXX XXXX Account number XXXX XX/XX/XXXX - OPENED Status Paid, Closed. 
{$200.00} XXXX XXXX XXXX Account number XXXX Status Paid, Closed. 
XXXX Closed on XX/XX/XXXX Account info Account number XXXX These inquiries are unauthorized and fraudulent. Delete and block immediately XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5

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 2025-12-22 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: SC

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-22 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$770.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX XXXX. 

Account Number : XXXX 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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This credit card account is fraudulent and was opened and/or used without my knowledge, consent, or authorization. I did not apply for, authorize, or benefit from this account or any charges associated with it. 

Despite providing notice of fraud, the matter has been subjected to repeated and unnecessary back-and-forth without resolution. As a result, I am preserving all rights and remedies available to me, including the initiation of a civil action to address the unauthorized account, any resulting damages, and violations of applicable state and 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 2025-12-22 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: MI

Complaint narrative:
XXXX Bank : XXXX / : confirmation number XXXX : XXXX XXXX XXXX offer is valid for 30 days from the date of this email. 
XXXX Bank Settlement options flexible will find a time frame that works for you up to 6 months. 
Will take 55 % off {$550.00} off And your monthly payments is low {$75.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

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 2025-12-22 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: CA

Complaint narrative:
I dispute the following accounts listed under my Equifax credit report as inaccurate : Charged Off : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} Inquiries : Account Name : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinme Holdings, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Coinme , Inc. regarding withheld funds related to a XXXX purchase made through a XXXX voucher. 

On XX/XX/year>, I purchased approximately {$200.00} in XXXX via a XXXX machine using a Coinme voucher. The voucher confirms that XXXX was purchased and held in Coinmes custodial wallet pending claim through my Coinme account. 

Coinme restricted and later closed my account, preventing me from claiming or transferring the XXXX. I submitted multiple reimbursement requests and provided all requested documentation, including the original voucher, transaction details, and proof of ownership. 

Despite this, Coinme has denied my reimbursement request XXXX times, citing vague security purposes without identifying what information was rejected or what additional verification is required. Coinme has also refused to release the XXXX, liquidate it transparently, or return the funds. 

Coinmes response suggests filing a police report, even though this is not fraud it is a legitimate purchase made by me with full documentation. This places an unreasonable burden on the consumer while Coinme continues to hold my funds. 

I am requesting CFPB assistance to require Coinme to either : 1. Release the XXXX to a wallet I control, or 2. Liquidate the XXXX at fair market value and refund the proceeds, or 3. Provide a clear, written explanation of what specific verification is missing and how I can resolve it. 

Coinmes continued denial without resolution constitutes withholding of consumer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I ordered an item off of XXXX that was an in stock item and supposed to be shipped right after the shipping was paid, after purchasing the item I was told to pay the shipping invoice. They explained they had changed their method of payment for shipping through XXXX a platform used to transfer money and asked me to send the money through there. Once I paid I asked when my item was going to be shipped but they had stopped responding for a week straight. Finally someone responded and assured me that the item had shipped out last week and would arrive within XXXX weeks. It was supposedly sent out on XX/XX/year>. It is now XXXX and I have yet to receive the package and they have keep ignoring my messages. I was able to get a refund for the statue through XXXX  which is what I used to pay for the actual item but the shipping was paid through XXXX and their customer support team explained that they can not refund my payment because the money is already in the sellers account. I asked chase to help me with this but the customer service call center was absolutely XXXX help very rude and seems like they didnt even look into my case at all afterwards as they closed it XXXX day after I had opened it without an explanation except No action will be taken, this case has been resolved. I would like to know if yall can help me with this issue, I will provide documentation and pictures below that shows my conversation with XXXX support as well as other related documents that could help the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: SC

Complaint narrative:
TEKCOLLECT INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TEKCOLLECT INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX and Midland Credit Management, these companies has opened up an accounts with my personal Information that I never authorized. I also ask them to remove the accounts from my credit report immediately because it was not mine. I also let them know that the account information that they open in my name does not belong to me. I asked them to send me any contracts that I have signed with my name authorizing them to open these accounts and they never did. Also I have never been late on any of my obligation with respect to my student loans. President Biden stopped us from paying those student loans without any late payment being a core to it. I would like all my student loans to show no late payment on them. Thank you President Biden

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After thoroughly reviewing my credit report, I have found multiple late payment entries that are incorrect and unjustified. Despite my repeated efforts to resolve this directly with the creditor, they have failed to respond or correct these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX inaction violates federal law and my rights as a consumer.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I bank with PNC, an online presence bank with few actual branches in CA. I have a savings account and a checking account with approximately XXXX. I made a business loan to a friend who needed temporary cash for his business, and PNC marked my wire transfer as fraud and are forcing me to go into a physical branch, despite none near me. 

I called multiple times to resolve this, providing evidence of who I am, to no avail. I subsequently tried to close the account, and have the funds wired to me. This was again blocked and I still forcing me to go into a bank. They also put a suspension on my account making it impossible to move my money around. I am currently out of the country and by the time I return, I would have lost over $ XXXX in interest due to their handling of my account. 

I have escalated twice within 4 days with no response. I have spoken to their premium care team as well as their fraud alert team. There has been no way for us to directly speak to a XXXX. How is it legal for a bank to refuse releasing my money to me after I prove my identity? This should be illegal. 

I am filing a formal complaint against this bank and if this goes unresolved, I will take them to small claims to recover the interest they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
EverBank, N.A. failed to enforce revoked XXXX authorization and stop-payment instructions on my business checking account. 

EverBank confirmed revoked authorization and stop payments on XX/XX/year> and XX/XX/year> against XXXX XXXX / XXXX XXXX. Despite this, EverBank later reversed provisional credits, enabling the merchant to recover {$6200.00} that was not authorized or contractually owed. 

A settlement agreement dated XX/XX/year> limited authorized debits to {$750.00} per week forward only and did not permit recovery of the disputed amounts. This agreement was provided to EverBank. 

After EverBank was placed on notice and escalation deadlines were provided, EverBank failed to respond and allowed an additional unauthorized {$750.00} XXXX debit to post. 

EverBank issued a denial citing insufficient evidence while ignoring its own stop-payment records, the settlement agreement, and vendor refusal to refund. EverBank has also failed to respond to follow-up escalation emails. 

EverBanks failure to enforce stop-payment instructions and failure to respond after notice has caused direct business harm and payroll risk. I am requesting CFPB intervention for corrective action and restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I submitted a written dispute to Experian regarding multiple inaccurate and unverifiable accounts on my credit report. Experian received my dispute on XX/XX/year>. I provided identification and supporting documentation. 

On XX/XX/year>, Experian issued dispute results stating that the disputed accounts were verified, yet Experian did not provide any documentation, evidence, or explanation demonstrating how the information was verified or whether a reasonable reinvestigation was conducted. 

Experian relied solely on responses from furnishers without independently verifying the accuracy or completeness of the information, despite the accounts being disputed for balance accuracy, ownership, and validity. This constitutes an unreasonable reinvestigation under the Fair Credit Reporting Act. 

Experian continues to report information that can not be independently verified and that has resulted in repeated credit denials and financial harm.

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