vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-16 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my 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 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 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 2025-04-16 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:
I recently check my credit report and noticed that there is a derogatory account reflecting on my credit report that I am not associated with nor do I have any knowledge of this account. The account in question is The XXXX XXXX XXXX. Formally 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 2025-04-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Arizona, XXXX XXXX XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Deletion of Inaccurate Account Reporting FST PREMIER, Account # : XXXX * * * * To Whom It May Concern, I am writing to formally dispute the inaccurate and incomplete information being reported on my Experian credit report regarding the account listed above. 

Summary of Inaccuracies : The date opened is reported as XX/XX/XXXX, which does not align across all credit bureaus and may be inaccurate. 
The credit limit is listed as {$0.00}, despite the limit being reported as {$500.00} elsewhere. 
The high credit and balance amounts are inconsistent and questionable, especially since the account is charged off but still reflects the full balance as due. 
The monthly payment is listed as {$0.00}, which is inaccurate for a revolving credit card account and misrepresents the terms. 
The payment status shows XXXX, yet the payment history reflects OK for several months following the supposed charge-off datethis is misleading and contradictory. 
The date of last payment is recorded as XX/XX/XXXX, yet the charge-off is already reportedthis timeline is inconsistent and requires clarification. 
Overall, the information reported is not only inconsistent within Experians own report but also in comparison to what is reported by TransUnion and Equifax. 

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy.

FCRA 1681i : Failure to properly investigate disputed information.

FCRA 1681s-2 ( b ) : Prohibits a furnisher from reporting information known to be inaccurate.

FCRA 602 : Emphasizes that consumer reporting must be fair, equitable, and respectful of consumers rights to privacy and accuracy. 

This account includes materially inaccurate and unverifiable information that is negatively impacting my creditworthiness. Based on the reasons above and as supported by federal law, I am requesting the immediate deletion of this account from my Experian credit report. 

Please respond with the results of your investigation within XXXX  days, as required by the FCRA. I expect a written confirmation of your findings and actions regarding this matter. 

Sincerely, 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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with free checking at Cit band. Checking was free as long as there was {$5000.00} on deposit in the account. Citi decided to unilaterally change the terms of the checking account and begin charging a {$15.00} monthly fee starting in XXXX of this year if the account did not connect to my direct deposit. This was not the term I agreed to when I opened the account and they should not be able to unilaterally change the terms without agreement from me. They are telling me they no longer offer this type of account. That is great for new account holders but they already offered and I accepted the terms when they offered 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: CO

Complaint narrative:
I have identified XXXX separate accounts on my credit report that were closed on their respective dates, yet all are continuing to report missed payments monthly through XXXX, XXXX, and even as recently as XXXX. This is inaccurate, misleading, and violates the Fair Credit Reporting Act. 

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 XXXXXX/XX/XXXX All of these accounts are continuing to report new missed payments after closure, which falsely implies ongoing default activity. I request that the late payment reporting cease as of each account 's actual closure date, and any subsequent derogatory reporting 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 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
Loan with Southeast Toyota Finance included gap coverage. Loan was paid off early in XX/XX/XXXX. 

I've call 5-7 times since XX/XX/XXXX asking for the refund of gap coverage. I've been told they have mailed checks which I've never received multiple times. There is no way the USPS has misplaced 4 checks. They have my correct mailing address and confirm the amount of the refund yet I still don't have the checks. I spend 25-30 mins on the call each time for someone new to tell me the check is processing. It's been 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XXXX of XXXX I started chatting with a person named XXXX on telegram then XXXX whereas she invited me into her XXXX XXXX names XXXX XXXX XXXX XXXX XXXX. I started with XXXX small investments of XXXX. Once the investment grew, she advises if I invested more money, she would invite me into their XXXX-dollar club. I refinanced my home withdrawing XXXX dollars. This money was deposited into my Chase bank account. On XX/XX/year>, I wire transferred XXXX into their bank account XXXX XXXX XXXX Bank in XXXX, NY XXXX then again on XX/XX/year>, I wired XXXX into their account. Once my account grew, I attempted to withdraw XXXX of my money to repay my loan off that's when XXXX told me I needed XXXX service fees. That when I knew this was a scam. I notified Chase Bank advising them of the scam. They sent me a denial letter stating I received goods for my services. This is not true, I received nothing from this scam. I call them at least once a month with fail results. This complaint is against chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/scrub>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 non-monetary relief
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX XXXXXXXX * * * * * * * * XXXX - XX/XX/XXXX - {$5800.00} XXXX XXXX  XXXX * * * * * * * XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXXXXXX * * * * * * * XXXX - XX/XX/XXXX - {$330.00} XXXXXXXX XXXX XXXX  XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$3900.00} XXXX XXXX XXXX XXXX * * * * * XXXX - XX/XX/XXXX - {$960.00} XXXX XXXX  XXXX * * * * * * XXXX - XX/XX/XXXX - {$140.00} XXXX XXXX XXXX * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$530.00XXXX XXXX XXXX XXXXXXXX * * * * XXXX - XX/XX/XXXX - {$810.00XXXX XXXX XXXX XXXX XXXX XXXX  * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXXXXXX XXXX XXXX * * * * * * XXXX - XX/XX/XXXX - {$790.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX * * * * * * XXXX - XX/XX/XXXX - {$930.00} XXXX - XXXX * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$680.00} XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$330.00} XXXX  - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX  XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$660.00} XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX XXXXXXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00} 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 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 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-16 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: IL

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within XXXX  days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-16 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
b'A comprehensive dispute package consisting of over 80 pages was successfully delivered to the XXXX XXXX on XXXX XXXX XXXX via USPS.\nTracking Number: XXXX XXXX XXXX XXXX XXXX XXXXDespite proof of delivery, no response has been received, and all additional contact attempts have gone unanswered. These include:\nEmails sent to: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple contact form submissions through their website  all ignored.\n\nUnder the Fair Debt Collection Practices Act (FDCPA), they are legally required to respond in a timely manner to disputes. The agency has failed to meet this obligation.\n\nThey sent a threatening letter about my credit stating they will ruin my credit.\n\nTheir client broke the law failed to meet standard obligations under Colorado law which rendered the lease null and void.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
- Dear CFPB, Good afternoon. My name is XXXX XXXX. I'm reaching out to you because I've been victim of fraud and identity theft. In XXXX of XXXX, there was a data breach that occurred with XXXX which resulted in my information being compromised. Subsequently on or around XX/XX/XXXX of XXXX, my Coinbase account was unexpectantly hacked by a fraudster whom I know nothing about. Roughly XXXX dollars worth of crypto currency was transferred out of my account and consequently I have lost about XXXX dollars. This is a preposterous amount of money to have been taken from me without my authorization, consent, or giving any of my personal information to anyone negligently. In spite of this Coinbase, although confessing my account was hacked and identity was stolen, has refused to assist me with retrieving my stolen funds. I would like assistance in influencing Coinbase to conduct a thorough investigation and ultimately refund me for all of my money that has been taken from me.

Company response to consumer: Closed with explanation