vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Credit Fresh Holdings Inc
State: AR

Complaint narrative:
live in Arkansas and obtained a line of credit from Credit Fresh XXXX XXXX XXXX XXXX. The terms are predatory and appear to violate Arkansas usury laws. 

My current balance is {$3700.00}. The lender charges a flat Billing Cycle Charge of {$460.00} per month, which equals about 12.5 % monthly or 150 % APR. 

Arkansas law caps consumer loan interest at 17 % APR under the state Constitution ( Amendment 89 ). This lender is charging nearly nine times the legal maximum.

Other issues include : No grace period ( fees charged even if balance is paid immediately ).

Payments applied to fees first, making principal nearly impossible to pay down.

Contract says Utah law governs, despite me being an Arkansas resident.

This loan structure is a disguised form of interest, designed to evade state usury laws. I am requesting CFPB review, enforcement action, and relief from these unlawful charges.

I have attached the Truth in Lending Statement for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: VA

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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: GA

Complaint narrative:
True Accord Corp/XXXX  XXXX XXXX allege that they are authorized to collect a debt but despite being presented a Letter of Debt Validation requesting the to provide certain and specific information XX/XX/year>, they have ignored and failed produce the federally required documentation. They were issued a Cease-and-Desist Letter XX/XX/year>, that letter they have ignored and persist in bombarding me with demands to pay a debt the refuse to validate. A complaint was registered with the CFPB XX/XX/year> and as per their standard operating procedure, they have failed to acknowledge and provide any of the required validation, copies of signed contracts, written permission, chain of custody documents... nothing! To this date, True Accord has failed to acknowledge the communication from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX XXXX XXXX XXXX. 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 complete and accurate.

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 2025-10-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts listed on my credit report that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 explanation
Consumer complaint received 2025-10-03 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: NJ

Complaint narrative:
I am disputing the accuracy and completeness of the information being reported in my consumer credit file. Under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), the credit reporting agency is required to conduct a reasonable reinvestigation of disputed information and delete or correct any information that can not be verified within the required time frame.

The information currently being reported is inaccurate, incomplete, or can not be properly verified. I am requesting that the credit bureau conduct a proper reinvestigation, provide me with the results of that reinvestigation, and delete any information that is found to be inaccurate or unverifiable.

Failure to comply with these obligations is a direct violation of FCRA 611 ( 15 U.S.C. 1681i ).

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 2025-10-03 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: FL

Complaint narrative:
I submitted some documents that was required of me to prove that my credit profile has items on there that does not belong to me .I am a victim of the data breach and as a result my information was used for identity theft .I have submitted an ftc report to all the bureaus to show what accounts were not mines on the report. Every time i called they told me that my documents were not clear enough and or tried to use some type of stall tactic to not help me remove the accounts. Each time they asked me for documentation i made sure to send it and they made me reupload the information at least 3 times. And every time i called they gave me another reason why they could not help me out. I am submitting my documentation again here to prove that i have done what i am supposed to do to have the information blocked from my report in accordance with FCRA 15 USC 1681B 605B.

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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding Navy Federal Credit Unions repeated denial of my requests for a credit limit increase despite my account being in good standing and my credit profile improving.

I have maintained my Navy Federal accounts responsibly, with timely payments and proper account management. My credit score has significantly improved over time, yet Navy Federal has continually declined my requests for a credit limit increase without providing a clear explanation. I have requested reconsideration and a manual review, but my requests have not been addressed adequately.

The lack of transparency in their decision-making process is concerning, and I believe it may constitute unfair treatment toward me as a consumer. 

Thank you for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NC

Complaint narrative:
BEEN HOURS AND HOURS ON CALL WITH DISCOVER TO PROCESS A DOMESTIC WIRE TRANSFER OVER PURCHASE OF A PROPERTY. Mind it, I have sufficient funds in my savings account and BEEN A CUSTOMER WITH DISCOVER FOR OVER 9 YEARS and yet no proper reasoning and justification over WHY the wire transaction cant be done. Then the bank gave a major hassle over the CHEQUE transaction- i had to reschedule my property 's closing by a week. 
Now the other part of the torture - GETTING A CHEQUE PROCESSED as the other alternative. Even after my XXXX hour call with discover team lead ( XXXX XXXX to XXXX who is a XXXX ), I am not sure if my cheque will be processed .. they have re-issued the cheque but I'm on the hook and will be reminding to call in discover again to ensure it goes thru.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
I am an XXXX  Data Breachimpacted consumer who has been a victim of identity theft. Despite providing identity theft reports, the credit bureau failed to comply with FCRA 605B ( 15 USC 1681c-2 ), which requires blocking fraudulent information within four business days.

Instead of removing the fraudulent accounts, the bureau continued reporting them, placing me in harms way and damaging my credit profile. This constitutes willful non-compliance and reckless disregard of federal consumer protection laws.

The fraudulent accounts that should have been deleted include, but are not limited to : 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 Their continued negligence violates : FCRA 605B ( 15 USC 1681c-2 ) Failure to block fraudulent data 15 USC 1681n Willful non-compliance with the FCRA 15 USC 1681o Negligence in reinvestigating disputed information 15 USC 1681s-2 Failure of furnishers to report accurate data This has caused me financial and reputational harm, and I am forced to escalate 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 non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: LA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT ED/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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 2025-10-03 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: AL

Complaint narrative:
Dear Experian Dispute Department, Under FCRA 611 ( a ) ( 1 ) ( A ), I dispute the following inaccurate and unverifiable entries. You must reinvestigate, and if you can not obtain documentary proof, delete them.

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 2025-10-03 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: InDebted Corporation
State: NY

Complaint narrative:
This account does not below to me. 
I have never applied for such a credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I pay my bill monthly on time but I have missed a couple payments. I do pay over the amount it states to pay down my bill. 
But when I pay I get hit with a XXXX dollar charge which takes most of what I pay. 
Im currently on permanent XXXX XXXX. I can only afford to pay the little bit of ehat they want a month. I spoke to a supervisor and he said there is now way they can lower my interest on my card. After I got highly frustrated with hom he hing ip on me.This happened at XXXX am XXXX. I explained my position now from when I had first gotten my card. He never he tried to help. Im trying to pay this off so I can close this account. Said how they take advantage. I just asked for a decrease in interest so I can pay it. I cant afford to pay more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
My name is XXXX, and I am writing from XXXX to file a formal complaint against Coinbase regarding the loss of access to my cryptocurrency account. 

I had stored approximately XXXX  Ethereum ( ETH ) - XXXX and some XXXX ( XXXX ) in my Coinbase account. Recently, I discovered that I could no longer access my account. Despite multiple attempts to recover it through Coinbases official recovery process, I have been blocked from receiving verification codes via both my registered phone number and email address. This has made it impossible to follow Coinbases own recovery steps.

I have contacted Coinbase support, but I have not been able to obtain proper assistance. As a result, I have effectively lost access to my digital assets. Given the significant value of these assets, I am deeply concerned that Coinbase has failed in its duty to provide a reliable, transparent, and secure process for account recovery. 

I respectfully request that the financial bureau investigate Coinbases handling of my account, including : 1 ) Why I have been unable to regain access despite following all procedures.

2 ) Whether Coinbase has blocked or restricted my contact information without justification.

3 ) What measures Coinbase will take to restore access to my funds. 

This matter has caused me severe financial and emotional distress, and I seek urgent intervention to ensure accountability and resolution. 

Thank you for your attention to this matter. I look forward to your guidance on the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: KY

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that EXPERIAN immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and XXXXrd Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation. 
I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Auto Loan opened at XXXX on XXXX account number XXXX in the amount of {$7200.00} an Auto Loan opened at XXXXXXXX XXXX XXXX  on XXXX account number XXXX in the amount of {$11000.00} a Credit Card opened at XXXX XXXX XXXX account number XXXX {$54.00}. a Credit Card opened at FIRST XXXXXXXX XXXX on XXXX account number XXXX in the amount of {$490.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-10-03 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX 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 any 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 of 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