vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: EdFinancial Services
State: AZ

Complaint narrative:
My personal credit information was violated when a private citizen XXXX XXXX was privy to my personal data and private loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
IM showing an address in XXXX, WA and that someone was using my identity to get credit cards and a car loan inquires in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: DISCOVER BANK
State: MN

Complaint narrative:
I recently became aware of an account that I do not recognize opened in my name without my knowledge or authorization. 
I contacted the company to request verification of the original documents and information used to open these account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. 

I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. I've already reached out to the credit bureaus and they have not cocmpleted a proper investigation. 

I would like these accounts removed from my credit report as they can not provide me the original documents on how these accounts were opened and what was used to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

The following inquiry was not and should not be reporting. 
TransUnion Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-07 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: EQUIFAX, INC.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-05-07 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: MD

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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.

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 1637 ( 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 1002 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 2025-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: MI

Complaint narrative:
I am filing a formal complaint against Stellantis Financial Services regarding an unresolved and documented mileage discrepancy on my lease agreement for a XXXX XXXX XXXX. 

When I originally signed my lease at XXXX XXXX XXXX XXXX XXXX in XXXX, MI, the contract incorrectly reflected XXXX miles per year, although the pricing and monthly payment I agreed to were based on XXXX miles per year. A few days later, I returned to the dealership and signed a correction reflecting the proper XXXX-mile term. 

However, on XX/XX/XXXX, I requested a copy of my lease directly from Stellantis Financial, and the lease they mailed me still listed XXXX miles per year. I then called to verify the terms, and a Stellantis representative verbally confirmed that XXXX miles per year is what is still reflected on my account. This is now more than a year after the contract was supposedly corrected. 

The dealerships internal files may reflect the corrected XXXXmile lease, but Stellantis systemand the official lease documents sent to medo not . Ive also requested communication via email for documentation purposes, but despite multiple attempts, Ive received no response from Stellantis.

Because the official lease record in Stellantis ' system is still incorrect, I should not be held financially or legally responsible for a lease based on an inaccurate term, especially when I took proper steps to correct it early on. If the correction wasnt properly processed or accepted by Stellantis, its not reasonable for them to now attempt to retroactively resolve it over a year later. As of XX/XX/XXXX I have lost access to my online account and am given the error an error code. My fear is Stellantis is trying to correct this issue over a year later. I emailed XXXX on XX/XX/XXXX and followed up again on XX/XX/XXXX and CC'ed XXXX and I had still not heard ANY communication back. I called and spoke to someone on the phone who verified someone named XXXX did receive my complaint, but I have yet to hear anything from anyone. 

Desired resolution : I am requesting to exit the lease immediately with no out-of-pocket cost or early termination penalty due to this administrative and contractual error. I am not seeking compensationonly a clean release from a lease that does not match the terms I agreed to.

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 2025-05-07 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: GA

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. 

As I have consistently stated, the following address is incorrect and should not be associated with my credit file : My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-07 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX of XXXX I requested my report to be updated due to inaccurate information on my Equifax credit report. I called in and went over every account that was reporting incorrect. I sent in my ID, my recent bill, and my social security card to prove my identity. Equifax would not update my Credit report to correct information. I went log in and have error message of : Please give us a call and give this code to agent : XXXX. It states my credit report, and score is not available as of XXXX. I have called in XXXX times asking for my report to corrected with no work being completed on my report. Equifax refuses to complete my request causing me strain and stress as I attempt to obtain my accurate consumer report.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX  I requested my report to be updated due to inaccurate information on my XXXX  credit report. I called in and went over every account that was reporting incorrect. I sent in my ID, my recent bill, and my social security card to prove my identity. XXXX  would not update my Credit report to correct information. I went log in and have error message of : Please give us a call and give this code to agent : XXXX. It states my credit report, and score is not available as of XXXX. I have called in 10 times asking for my report to corrected with no work being completed on my report. XXXX  refuses to complete my request causing me strain and stress as I attempt to obtain my accurate consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
Detailed Explanation of the Issue : I am filing this complaint because I have been unable to access or withdraw my XXXX  funds from my Binance US account for nearly two months, despite repeated attempts to resolve the issue directly with the company. 

Here is what happened : I originally deposited funds into my Binance US account in USD, and later used those funds to purchase cryptocurrency.

At a later date, I sold my crypto and converted all of it back into USD within the platform. I currently have a USD balance sitting in my account. 
However, every time I attempt to withdraw my XXXX  ( via ACH or linked bank account ), I receive an error message that says feature unavailable.

I first contacted Binance US customer support nearly two months ago to ask why I couldnt access my XXXX  funds. I was told that this issue was being worked on and that XXXX  services were being gradually rolled out, but I have received no clear explanation, no timeline, and no ability to manually unlock or access my funds. 
Since then, I have followed up multiple times and received only automated or vague replies, repeating the same message : that the feature is unavailable and they can not provide a timeline. 
Most recently, support even told me I could withdraw XXXX through another platformeven though I have no XXXX holdings left and only need to access my XXXX  balance. 
Why Im Filing This Complaint : Binance XXXX has been holding my funds without providing a valid reason or timeline. This is not a matter of account suspension, fraud investigation, or unverified identityI am fully verified, and my account is in good standing. Yet I can not access my money. 

To be clear : I am not trying to withdraw crypto. 
I am trying to withdraw USD. 
My money is fully converted and available as a XXXX  balance in my Binance US account.

Binance US had no issue accepting my money when I deposited it. But now that I want to withdraw it, they have effectively frozen my access without explanation or recourse. I consider this an unfair and deceptive practice and possibly a violation of financial consumer protection rules.

What Im Requesting : That Binance US immediately restore my ability to withdraw my USD funds. 
That they provide a clear, written explanation as to why my withdrawals have been blocked. 
That the CFPB ensure Binance US is not restricting or withholding access to customer funds without just cause. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a checking account with wells fargo bank this is a business account which was closed without any notification and not returning the closing balance of {$25000.00}. 
Bank said they have sent cashier cheque on the business address through XXXX which i never received now upon contacting them they said they have to make another cashier cheque for the expenses of {$510.00} which has to be beared by me. 
i would like to take this matter on to your notice Kindly help me get my money back {$25000.00} Thanking You, 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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report, but the errors have not been corrected. Attached are copies of the letters previously sent to each bureau. I have also included a table outlining the discrepancies across all three credit reports. I am requesting your assistance in resolving these issues promptly.

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 2025-05-07 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: FL

Complaint narrative:
I have recently received the copy of my credit report and I noticed several and inaccuracies and none authorized accounts/information reporting to my credit report. These remarks has been detrimental to my life and credit health.

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