vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the 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 2025-07-25 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: SC

Complaint narrative:
XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Unknown - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
Formal Complaint Overdraft Fees Charged During Ongoing Financial Hardship Dear CFPB, I am writing to file a complaint regarding the way my bank handled a recent situation that occurred while my family and I are going through an ongoing period of financial hardship. 

Recently, my husband and I made an honest mistake in calculating the pay date from a summer job he completed. We thought the funds would be deposited sooner than they were. As a result, we had more debits than expected, which caused our account to overdraw and triggered approximately {$300.00} in overdraft fees. 

This is a devastating amount for us, especially during a time when every dollar matters. We immediately contacted the bank and explained the situation, asking if they could waive or refund some or all of the fees. Weve been customers for over XXXX years, and weve always made an effort to manage our account responsibly. Unfortunately, the bank declined our request without offering any flexibility or support. 

I understand the purpose of overdraft fees, but in this case, it feels like were being punished simply for not having enough money. I asked if they could at least keep {$50.00} in fees and refund the remaining {$250.00}, which would help us pay important bills during this difficult time. They still refused. 

XXXX very disappointed and feel that my bank failed to show understanding or compassion toward long-time customers who are clearly trying to stay afloat. I am requesting that the CFPB review this issue and advocate on our behalf for a partial refund of these fees. 

Thank you for your time and support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 non-monetary relief
Consumer complaint received 2025-07-25 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: CA

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Immediate reinvestigation and permanent deletion of the inaccurate late payment reported by XXXX XXXX  ( Account Number : XXXX ), unless Equifax or the creditor can provide documented evidence that I was properly notified of the due date and given a chance to resolve the issue before the late payment was reported. 

If proper notice can not be verified, I request full removal of the late mark in accordance with FCRA 1681i ( a ) and 1681e ( b ). 

Provide written confirmation that this negative mark has been removed, and issue an updated copy of my credit report reflecting the correction within XXXX business days. 

This resolution is fair and lawful under the Fair Credit Reporting Act, which requires all reported data to be accurate, complete, and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am filing this complaint against both the lender and Experian due to the continued reporting of inaccurate information and the failure to conduct a proper and lawful reinvestigation. 

The account is mine, but the reporting contains inaccurate and incomplete information. I previously submitted a formal dispute with Experian, followed by a second attempt. While I did receive a copy of the original signed agreement and some others.. I did not receive the signed modification agreement, nor did I receive any proof or explanation as to why the modification was cancelled or denied, among other critical documents. I originally requested them XX/XX/XXXX after speaking with a representative after opening my dispute with experian. I then again after dispute was closed or near closing requested the doucments again on XXXX XXXX  15 days and counting now. The modification agreement was signed, and then the lender cancelled it just XXXX days later, without any notice, explanation, or documentation. As a result, the vehicle was repossessed. I maintain that this repossession was wrongful due to the lender 's failure to honor the modification agreement and their failure to provide evidence to justify its cancellation. 

This is my second attempt to get this corrected after more than 30 days since my original dispute. The investigation was clearly not thorough, and the lender has failed to provide transparency or proof supporting the derogatory reporting. 

My legal representative had me specifically request a number of documents critical to verifying the accounts accuracy and history. To date, those specific documents have not been provided by the lender or Experian. This undermines the integrity of the reinvestigation process. 

Experian appears to have closed the dispute without obtaining all necessary documentation or verifying the full substance of the dispute, which violates FCRA Section 611 ( reasonable reinvestigation ) and potentially Section 607 ( b ) ( maximum possible accuracy ). 

This is now my second attempt at having this corrected. I believe both the lender and Experian are not acting in compliance with 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 explanation
Consumer complaint received 2025-07-25 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: MA

Complaint narrative:
I filed for XXXX XXXX XXXX in the XXXX of Massachusetts ( XXXX XXXX. XXXX ), and the discharge was granted on XX/XX/XXXX. The account with XXXX XXXX XXXX  was included in the bankruptcy and should not be reported as delinquent or charged off. 

However, TransUnion continues to report this account with a {$7000.00} balance, a past due status, and a charged off pay status. Additionally, the monthly payment history shows repeated charge-offs from XX/XX/XXXX through XXXX XXXX well after the XXXX  discharge. This violates the discharge injunction under 11 U.S.C. 524 ( a ), which prohibits attempts to collect on discharged debts, including through inaccurate credit reporting. 

In early XX/XX/XXXX, I contacted XXXX XXXX XXXX  by phone to resolve the issue. A representative called me back several days later and stated that the problem had been corrected on their end. However, when I submitted a dispute to TransUnion, they completed their investigation on XX/XX/XXXX, and verified the information as accurate. The reporting remains unchanged and still shows the same charge-off status and past due balance. 

This inaccurate information could result in real harm. I am currently in the background check process for employment with XXXX XXXX, a credit-sensitive financial institution. If the issue is not corrected promptly, it may cause my application to be deniedimpacting both my income and future career. 

Ive attached both the TransUnion dispute results and my official bankruptcy discharge as documentation.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My XXXX  is reporting on my credit, it was XXXX and still showing on my report with in accurate information

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 2025-07-25 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:
I bought XXXX ( Coinbase ) through a XXXX firm in XX/XX/XXXX to the value of XXXX. 
For XXXX  years the XXXX firm has been in constant email and telephonic correspondance with Coinbase but with no success in releasing any coins. It is XXXX excuse and delay after another, prolonging this matter now to XXXX  years. 
I have recieved numerous sms from Coinbase stating " links '' that will be sent too my email address, transactions that are made into my wallets, but absolutely nothing has materialized. 
The last sms I recieved from Coinbase confirming a transaction into my wallet was XXXX XX/XX/XXXX, nothing to date in my wallet. ( I have kept all sms from Coinbase ) I would like to know if you can assist/help/advise me regarding this nightmare experience I am having with Coinbase, I want what is due to me. 
Coinbase have never sent me a statement so I do not know how many coins I have but I expect it to be in the thousands, I want Coinbase to release all of my coins into my wallet. 
XXXX regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
Fraudulent accounts on mycreditreport : XXXXXXXX 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 2025-07-25 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: OR

Complaint narrative:
XXXX disappointed to see a late payment listed, especially since Ive consistently paid on time. Please review and remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
These fraudulent accounts were not opened by me, and I demand they be expunged from my credit record within XXXX  days under USC 1681g.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
XXXX. XX/XX/year>, I over paid my credit card by {$3400.00} XXXX. XX/XX/year>, requested a refund of overpayment and bank of America acknowledged research with case number XXXX. XX/XX/year>, Bank of America confirm overpayment and started refund process XXXX. Between XX/XX/XXXX to XX/XX/year>, called customer service 6 times with XXXX different excuses refund is on its way. 
Latest excuse, it can take greater than XXXX business days. Funds transfer to federal reserve then will transfer to my bank. 
Call center keep giving new excuse Everytime that funds is on its way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had my phone stolen and just over XXXX taken I asked chime to refuse the charges and refund my money they did there own investigation and denied me how I dont know its my money chime is horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I attempted to submit a dispute through Equifax 's online dispute portal concerning an auto loan account reported by XXXX showing a repossession and {$16000.00} past-due balance. The account was opened on XX/XX/XXXX, and the status was last updated in XX/XX/XXXX. 

Equifax blocked my dispute, falsely claiming the account was either already under investigation or had previously been disputed yet there is no active dispute on file, nor was the issue ever resolved. This directly violates my right to dispute inaccurate or unauthorized information under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

I also attempted to dispute a XXXX late payment on a secured loan with XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX and marked " Paid from collateral. '' The loan was resolved per its terms, not by delinquency. Still, Equifax blocked the dispute, even though the late mark is both factually and legally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Company ignored the federal rule change, and simply accepted the collection agencys word that the debt is valid without considering that it shouldnt be on your report at all under the new law. TransUnion refused to remove medical debt that is no longer allowed to appear on consumer credit reports under the CFPBs January 2025 final rule. I submitted documentation confirming this is medical debt, yet they verified it as accurate instead of removing it.

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 2025-07-25 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-25 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation