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

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Ri Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I need you to investigate the following account Account XXXX XXXX XXXX XXXX XXXX Account Name : Navy Federal Credit Union I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Majority USA, LLC
State: NJ

Complaint narrative:
I am filing a complaint against Majority regarding the unauthorized freezing and ongoing withholding of funds in my account without justification, resolution, or transparency.

Over a month ago, I received a deposit into my Majority account from my husband via his business XXXX account. Immediately after the deposit, Majority froze access to the funds and requested verification documents. I fully complied with their request and submitted the following : Copies of my husbands valid U.S. and U.K. passports Proof of the deposit made from Square Screenshots confirming that my husband was the legitimate sender and originator of the funds Despite submitting these documents multiple times, Majority has refused to process or release the funds, nor have they returned the money to the original sender. I have repeatedly contacted them requesting updates or a resolution. Their customer service responses have been dismissive, evasive, or automated often closing the chat without providing any answers. 

Majority has taken no clear action : They have not released the funds They have not reversed the funds back to the sender They have not provided any explanation, timeframe, or escalation process They have not offered any formal written communication or resolution pathway I have made it explicitly clear that I urgently need the funds, yet Majority continues to withhold them without legal or contractual basis. This conduct constitutes : Unfair and deceptive practices Lack of good faith handling of consumer funds Potential violation of federal financial protection laws Failure to provide adequate customer service or regulatory disclosures It is unacceptable and potentially unlawful for a financial institution to freeze and indefinitely hold consumer funds without due process, communication, or restitution. I am facing hardship and unnecessary stress due to Majoritys failure to resolve this issue.

At this point, I am formally requesting that the CFPB investigate this matter and ensure that Majority either : 1. Immediately releases the withheld funds to my account, or 2. Immediately returns the funds to the original sender I have exhausted all internal communication avenues with Majority and have received no real assistance. I am seeking intervention to protect my rights as a consumer and to prevent this type of abuse from continuing to harm others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On or around XX/XX/year>, I was contacted by a Bank of America representative named XXXX XXXX, who stated that he was in the BOA compliance office and that he had resubmitted my claim for revision and provided a phone number XXXX ext XXXX for follow-up. However, when I contacted the Bank of America claims department directly, I was informed that no such action had been taken. There was no record of any revision, resubmission, or internal communication reflecting XXXX XXXX statements. 

I then spent over an hour on the phone, pleading for assistance and demanding that the claim be reopened. Ultimately, I spoke with a representative named XXXX from Arkansas, who confirmed that the claim had not been revised and reopened it manually. XXXX, another representative from Texas, also confirmed that she had no knowledge of any action taken by XXXX XXXX or any internal notes supporting his claims. I left a voicemail and as I already anticipated that there would be no response. 

This experience is not only frustratingit is deeply concerning. I was misled by a compliance representative who gave me false assurances, and I had to again, to take over XXXX hours to have my claim properly addressed. The lack of internal coordination and accountability within Bank of Americas claims department has caused unnecessary emotional distress and delayed resolution of a fraudulent charge that I have been diligently pursuing for months. 

I am requesting that the CFPB investigate Bank of Americas handling of this matter, including the misleading communication from XXXX XXXX and the failure of the claims department to act on his stated assurances

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 monetary relief
Consumer complaint received 2025-08-07 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: IN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
On XX/XX/year>, I submitted a sell order for XXXX XXXX on Coinbase. At the time, the price was approximately {$3.00} per unit, and the trade preview showed I would receive about {$320.00}. The interface also stated that I would save {$6.00} by subscribing to Coinbase One, which strongly implied that the cost difference without a subscription would be around {$6.00}. However, after completing the trade, I received only about {$310.00}, a {$12.00} difference with no transparent breakdown of how that amount was calculated. I contacted Coinbase support to request an explanation and compensation. They responded with generic statements about spread and network fees but did not provide a clear, itemized breakdown or address the misleading save {$6.00} message. I requested escalation and compensation of at least the {$6.00} implied, but they declined. I believe this is a case of unclear and misleading fee disclosure and pricing, which affected my financial decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. THANK 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 explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: GA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: IN

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 2025-08-07 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: Experian Information Solutions Inc.
State: IN

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: IN

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
A local resturant ( XXXXXXXX XXXX XXXX XXXX XXXX ) overcharged for my my lunch on XX/XX/year>. when I reached out to them they were not responding, so i filed a dispute with Barclays Bank the credit card issuer. Barclays Bank has to provide this chargeback service, but they denied and instructed me to go back to the merchant and get the refund. 

I filed complait with XXXX  and consumer protection bureau againt the restaurant, but again they did not respond to those complaints. 

I pay a credit card membership fee of XXXX XXXX  for the credit card from Barclays and they are not providing the service as per the ageement. 

I am seeking the refund of that membership fee plus the over billed charges from the restaurant an amount of {$12.00}. 

They bank also falsely claims that i did not submit the required records inspite of me submitting receipts online through theor system. They do not maintain proper records and mails a letter to a worng address out of state and copies the digital cpoy to me by email. They have serious compliance and record maintennace issues. 


Kindly help. 

Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered multiple unauthorized hard inquiries on my Experian credit report. I did not initiate or authorize these inquiries, nor did I provide written consent to the companies involved. On XX/XX/2025, I submitted a formal dispute letter to Experian demanding deletion of these inquiries or documented proof of my authorization, including signed applications. 

Experian responded by refusing to delete the inquiries or provide any proof. They claimed they are not obligated to provide documentation and stated that I must contact each creditor individually to request removal. This is unacceptable and contrary to my rights under the Fair Credit Reporting Act ( FCRA 1681b ( c ) ), which requires that any hard inquiry must be authorized by the consumer in writing and for a permissible purpose.

Experian failed to verify the inquiries or provide the requested evidence. I am requesting the CFPB to investigate this matter and ensure Experian either deletes the disputed inquiries or provides verifiable proof of authorization. I am also requesting Experian to comply with 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 explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
The account was first reported to my credit report on XX/XX/year> with a balance of {$180.00}. Since then, I have requested validation of the debt, including : XXXX. A copy of the original agreement between the debt collector and the original creditor showing they have legal ownership or authority to collect on the debt. 
XXXX. Proof of how much they paid to acquire the debt from the original creditor. 
XXXX. A copy of the original signed agreement from when the account was first opened. 

To date, they have failed to provide any of this documentation. 

In addition, the debt collector continues to call me repeatedly and harass me, which I believe is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Their actions are causing emotional stress and damage to my credit profile. 

I respectfully request that the CFPB investigate this matter, and that the debt collector be required to either provide the appropriate documentation or remove the account from my credit report. I am also requesting that they cease all further communication unless they can validate the debt. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

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