vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Companies Involved : Equifax Information Services LLC Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX Product Type : Credit reporting Issue : Inaccurate information on credit report / Failure to conduct reasonable reinvestigation Complaint : I am filing this complaint against Equifax, Experian, and XXXX for continuing to publish materially inaccurate and internally contradictory information regarding an XXXX XXXX auto loan tradeline on my consumer credit reports, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ). 

Despite prior disputes, the credit bureaus continue to report an XXXX XXXX  account that contains clear data integrity failures, including : Conflicting payment performance statements ( 100 % of payments made on time versus 85 % of payments made on time ) Inconsistent late payment histories for the same account ( XXXX versus XXXX for 30/60/90-day delinquencies ) Contradictory months reviewed values, including entries reporting zero months and others reporting more than 80 months Different last activity dates reported for a closed, paid account with a {$0.00} balance Continued reporting of negative information after the account is marked Dispute Resolved Consumer Disagrees, without disclosure of documentary verification These contradictions demonstrate that the information being reported can not be accurate, complete, or verifiable. A single tradeline can not lawfully maintain multiple delinquency histories, payment percentages, or activity timelines simultaneously. 

By continuing to publish this data after notice of dispute, each credit bureau has failed to follow reasonable procedures to ensure maximum possible accuracy and has failed to conduct a lawful reinvestigation as required by the FCRA. Any reliance on automated verification systems does not satisfy statutory requirements when the data itself is facially inconsistent. 

I am requesting that the CFPB require Equifax, Experian and XXXX to : Identify and disclose the specific method of verification used for this account Provide documentary evidence supporting each alleged late payment Immediately delete or fully correct the XXXX XXXX tradeline if accurate verification can not be produced Absent complete documentation, continued reporting of this account constitutes ongoing statutory noncompliance. 

Desired Resolution : Immediate deletion of the XXXX XXXX tradeline from all consumer credit reports due to unverifiable and contradictory reporting. 

Consumer Name : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: HI

Complaint narrative:
Companies Involved : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Innovis Data Solutions Inc Product Type : Credit reporting Issue : Inaccurate information on credit report / Failure to conduct reasonable reinvestigation Complaint : I am filing this complaint against XXXX XXXX and Innovis for continuing to publish materially inaccurate and internally contradictory information regarding an XXXX XXXX auto loan tradeline on my consumer credit reports, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ). 

Despite prior disputes, the credit bureaus continue to report an XXXX XXXX account that contains clear data integrity failures, including : Conflicting payment performance statements ( 100 % of payments made on time versus 85 % of payments made on time ) Inconsistent late payment histories for the same account ( XXXX versus XXXX for 30/60/90-day delinquencies ) Contradictory months reviewed values, including entries reporting zero months and others reporting more than 80 months Different last activity dates reported for a closed, paid account with a {$0.00} balance Continued reporting of negative information after the account is marked Dispute Resolved Consumer Disagrees, without disclosure of documentary verification These contradictions demonstrate that the information being reported can not be accurate, complete, or verifiable. A single tradeline can not lawfully maintain multiple delinquency histories, payment percentages, or activity timelines simultaneously. 

By continuing to publish this data after notice of dispute, each credit bureau has failed to follow reasonable procedures to ensure maximum possible accuracy and has failed to conduct a lawful reinvestigation as required by the FCRA. Any reliance on automated verification systems does not satisfy statutory requirements when the data itself is facially inconsistent. 

I am requesting that the CFPB require XXXX XXXX and Inmovis to : Identify and disclose the specific method of verification used for this account Provide documentary evidence supporting each alleged late payment Immediately delete or fully correct the XXXX XXXX tradeline if accurate verification can not be produced Absent complete documentation, continued reporting of this account constitutes ongoing statutory noncompliance. 

Desired Resolution : Immediate deletion of the XXXX XXXX tradeline from all consumer credit reports due to unverifiable and contradictory reporting. 

XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NJ

Complaint narrative:
After reviewing my credit reports, I identified inaccurate and unverifiable negative information being reported by multiple data furnishers and consumer reporting agencies. Specifically, a charged-off revolving account continues to report ongoing delinquency and improper account aging after the charge-off event, creating a misleading impression that the obligation remains active. In addition, a paid and closed auto loan reflects a late payment notation that is not supported by documented billing cycles, due dates, or proof of consumer default. I submitted disputes requesting reinvestigation under the Fair Credit Reporting Act, yet the inaccurate information remains on my reports without evidence that a reasonable investigation was conducted or that the furnishers provided competent verification.

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 2025-12-24 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding Coinbase , Inc. and unauthorized or misleading charges for a service called Coinbase One, as well as Coinbases mishandling of my attempts to resolve the issue. My Coinbase case number is XXXX. 

I discovered that Coinbase billed me three times for Coinbase One at {$29.00} each ( total {$89.00} ). I did not knowingly enroll in this subscription and I do not understand how I was signed up. If this began as a free trial, the conversion to a paid subscription was not clearly disclosed to me, and I did not intentionally authorize ongoing monthly charges. This is also an account I have not logged into in approximately two months, and I had no need for an advanced subscription service.

When I contacted Coinbase to request a refund, I was told that if I had not used Coinbase One, the charges would be refunded. Despite that, Coinbase has only agreed to refund one month and refused to refund the remaining two months, without a satisfactory explanation.

In addition to the billing issue, I spent approximately three hours attempting to resolve this via Coinbases chat support. During that time : Support repeatedly refused to provide clear information regarding how/when I was enrolled in Coinbase One or any record of my authorization/consent.

I was given conflicting and incoherent explanations, including statements implying I had been a paid subscriber for three months and also for two years, which can not both be true in my situation.

Support provided inconsistent guidance and repeatedly suggested I try again next month, rather than addressing the dispute.

They initially refused to cancel the subscription/account, and only processed the cancellation after I requested it multiple times ( approximately 34 separate requests ).

I am requesting the CFPBs assistance in obtaining a fair resolution. Specifically, I am requesting that Coinbase : Refund the remaining two months of Coinbase One charges ( {$59.00} ), for a full refund of the three {$29.00} charges ; Provide a clear written explanation and documentation showing how and when my account was enrolled in Coinbase One, including any proof of my authorization/consent and any applicable free-trial terms or disclosures ; Confirm in writing that Coinbase One has been cancelled and that no further charges will occur ; and Review and correct their support processes, as the information provided to me was contradictory and unhelpful, and the cancellation required repeated requests.

I can provide documentation upon request, including account statements/screenshots showing the three charges and copies or summaries of the support communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN, XXXX AND XXXX WERE ALL " WARNED '' PER MY MOST RECENT COMPLAINT FILED TO THE CFPB THAT A LAWSUIT WOULD BE FILED AGAINST THEM PER SECTION, XXXX ( b ) OF THE, U.S. FAIR CREDIT REPORTING ACT FOR ALL OF THE " INACCURACIES '' MENTIONED WITHIN MY LEGAL COMPLAINT SUBMITTED ON, XX/XX/year> THAT WERE ALL DUE TO " IDENTITY THEFT '', AS WELL AS UNFAIR, AND UNLAWFUL CREDIT REPORTING PRACTICES PERPETRATED BY ALL ( 3 ) OF THESE CREDIT REPORTING AGENCIES. 

However, since XX/XX/year> only ( 22 ) of the " 120 - UNLAWFUL EXPOSURES '' have been removed, while ( 98 ) still remain. 
This alone, legally places EXPERIAN, XXXX, and XXXX all in direct violation of section XXXX ( b ) of the U.S. FAIR CREDIT REPORTING ACT regarding these matters, and now legally liable for " Damages '' to be paid to me via, Civil Lawsuit for Consumer Laws, Consumer Rights, and Constitutional Rights violations, in addition to their Unlawful, Consistent, and " CONTINUOUS '' violations against myself of the, U.S. 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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Im unable to log in to the Citi mobile app. The app displays an error stating that my account is blocked, with reference code XXXX, and ask me to call Citi. However, I have no problem logging in through the Citi website and can view my account normally there. This makes it inconvenient to check my account when I dont have access to a computer. If the account works on the web but not on the mobile app, it suggests the block is specific to mobile access, which makes little sense. 

I contacted customer service twice around XXXXXXXX XXXX XXXX XXXX Each time, they removed my online account and asked me to re-register. But it never resolved the issue - I'm still blocked in mobile and can log into the web. I called customer service again today after 8 months since then and was given the exact same solution, with the same result. 

Its disappointing that a large bank still has such a basic technical issue, and even more concerning that no one seems able to provide a real fix.

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 2025-12-24 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: MA

Complaint narrative:
I am submitting this complaint regarding inaccurate, unverified, and unauthorized information being reported on my consumer credit file. Despite my responsibility as a consumer to monitor my credit, the listed items below have caused significant harm due to violations of federal consumer protection laws. 

Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address does not belong to me, and I have no knowledge of it. Reporting incorrect personal information is a violation of accuracy requirements. 
Applicable Law : FCRA 609 ( a ) ( 1 ) Right to dispute inaccurate personal information FCRA 611 ( a ) ( 1 ) ( A ) Requirement to conduct a reasonable reinvestigation FCRA 607 ( b ) Maximum possible accuracy Demand : Delete this incorrect address immediately from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize this address and have never resided there. Its continued reporting is misleading and inaccurate. 
Applicable Law : FCRA 609 ( a ) ( 1 ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 607 ( b ) Demand : Immediate deletion of this address from my credit report. 

XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$25000.00} The late payment history reported on this account is inaccurate and does not reflect correct payment behavior. I am disputing the accuracy of the late payment reporting only, not the existence of the account. 
Applicable Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report accurate information FCRA 611 ( a ) ( 1 ) ( A ) Duty to reinvestigate disputed information FCRA 607 ( b ) Maximum possible accuracy Demand : Correct or update any inaccurate late payment information. If accuracy can not be verified, the inaccurate late payment history must be removed.

Inquiry : XXXX XXXX XXXX XXXX  I did not authorize this inquiry and have no knowledge of granting permissible purpose for it. Unauthorized inquiries are unlawful. 
Applicable Law : FCRA 604 ( a ) Permissible purpose requirement FCRA 611 ( a ) Right to dispute unauthorized inquiries Demand : Delete this unauthorized inquiry immediately. 

I respectfully request immediate investigation, correction, or deletion of all inaccurate information and written confirmation of compliance. I reserve all 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 non-monetary relief
Consumer complaint received 2025-12-24 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am submitting this complaint to formally report illegal and inaccurate credit reporting by a third party in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

A third-party consumer reporting entity has furnished and/or reported adverse information to my consumer report without my written consent, without permissible purpose, and without verification from the original furnisher. The furnisher has confirmed in writing that this information was not provided, authorized, or validated by them, yet the information continues to be reported.

This conduct constitutes clear violations of federal law, including but not limited to : 15 U.S.C. 1681b Reporting and furnishing information without a permissible purpose or written authorization 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a lawful and reasonable reinvestigation 15 U.S.C. 1681s-2 ( a ) Furnishing information known or confirmed to be inaccurate Third-party databases, internal records, or automated systems do not constitute lawful verification under the FCRA. Continued reporting of information that the furnisher has denied supplying or confirming is knowingly inaccurate and unlawful. 

Despite notice of dispute, the third party has failed to correct or remove this information and continues to disseminate it, causing ongoing harm to my consumer rights, credit standing, and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 not affiliated with these accounts and request their removal within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
This complaint regards a PayPal transaction. The details are : Seller name : XXXX XXXX XXXX email : XXXX PayPal Transaction ID XXXX Transaction amount : XXXX XXXX On XX/XX/year> I got an email from PayPal saying that I had authorized a payment of XXXX XXXX XXXX XXXXXXXX. 

No details about what was purchased or where from was included in the email. I didnt recognize the transaction as legitimate. I made no purchases in XXXX and dont recognize the sellers email. The email has all the markings of a fraudulent address. Additionally the order includes XXXX deliveries to addresses around the XXXX ( none of which are associated with me ) with no contact information and delivery dates BEFORE the transaction date. 

I immediately changed my password and contacted PayPal about the transaction. They immediately rejected my claim and have ignored repeated requests for details about the transaction. 

I attempted to contact the seller via the provided email and have heard nothing. Because the transaction details contain no other information about how to contact the seller and PayPal has ignored my requests for help in doing so I am stuck. 

The money was taken from our PayPal balance so I have no recourse to a bank or credit card to have the funds restored.

This transaction seems so obviously fake I expected more effort from PayPal to investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am filing a complaint regarding the improper allocation of a payment on my auto loan serviced by Bridgecrest. 

I entered into a retail installment contract on XX/XX/year> for a vehicle financed in the amount of {$19000.00} at an APR of 19.99 %. My monthly payment is {$460.00}, with the first payment due XX/XX/year>. 

A payment I made early in the loan term was applied entirely to interest, with no reduction of principal. Bridgecrest has repeatedly stated that the allocation was made per the contract and that interest accrues daily ; however, they have not provided the actual calculations supporting this allocation. 

Based on the loan balance and APR disclosed in the Truth in Lending Act disclosures, daily interest accrual would be approximately {$1000.00} per day. Even accounting for interest accrued between loan origination and my payment date, this does not reasonably explain how a {$460.00} payment could be fully absorbed by interest. 

Bridgecrest has failed to provide : The daily interest rate used The exact number of days interest accrued The total accrued interest balance as of my payment date Any fees included in the payment allocation Providing a transaction history without calculations does not demonstrate compliance with Truth in Lending Act disclosure requirements. I am requesting a full, written breakdown showing how my payment was calculated and confirmation that the interest charged was accurate and properly disclosed. 

I am seeking regulatory review and correction if the payment was misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
Please assess the documents provided ; the questions were submitted suddenly and could be unauthorized.

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 2025-12-24 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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