vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Comerica
State: TX

Complaint narrative:
I was the victim of a XXXX  XXXX  committed by XXXX  actors. I had equipment listed for sale on XXXX social media sites. An offer was made and accepted and the buyer sent me a cashiers check for {$5500.00}, drawn on XXXX XXXX XXXX XXXX XXXX, routing number XXXX, account number XXXX. Before depositing the check, I called the bank to verify the validity of the account and funds. The XXXX system confirmed the check was valid. I subsequently went to the bank on XX/XX/year>, and while I was sitting with the banker, he also called and confirmed the same, and we proceeded to cash the check. I intentionally did not deposit the check but cashed it out instead for my protection. That was apparently of no use. On XX/XX/year>, I received a bank text that the item was returned and XXXX proceeded to deduct {$5500.00} from my XXXX account with them, EVEN THOUGH I DID NOT DEPOSIT THAT CHECK, I cashed it instead for this very reason. For the past week I have been lied to and given misrepresentations from XXXX. I filed the XXXX police and XXXX reports above and have shared those with XXXX. I also clearly and specifically requested that XXXX provide me a written response with their adverse determination [ Today, XXXX ]. The fraud rep XXXX, and the XXXX XXXX XXXX outright refused my request to each of them and suggested that I go to a banking center so I can read their policy on deposits. I advised XXXX that they are misrepresenting their own mantras and protocols of protecting customers from fraud, and with the clear and accepted proof of fraud, they need to open a fraud claim and make me whole. To no avail and hence my complaint. I will attach all files that the site allows, as there are dozens of pages of content and attachments to substantiate this complaint, I can also provide the names, phone numbers, and other pertinent content if needed. 

I also called the Colorado bank, and they affirmed they have been a victim of XXXX  as well and have multiple open cases on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AZ

Complaint narrative:
Upon reviewing my credit report, I noticed several inaccuracies associated with this account. This account is negatively impacting my ability to obtain credit. I am requesting that you conduct a thorough investigation to verify the accuracy and completeness of the information, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). ( XXXX card, account # 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 2025-07-02 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.
State: CO

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE XXXX  PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS XXXX  ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY XXXX MY CREDIT PROFILE. THIS ACCOUNT WAS XXXX XXXX XXXX AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

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 2025-07-02 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-02 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Bitstamp USA, Inc.
State: NY

Complaint narrative:
I submitted an ACH deposit through Bitstamp, a cryptocurrency trading platform. Bitstamp advertises instant ACH credits and immediately reflected the deposit in my account balance. However, when I attempted to access or withdraw the funds, I was informedafter the factthat the funds would be locked for seven business days until my bank confirmed the debit.

At no point during the deposit process was this restriction disclosed. There was no warning, no disclaimer, and no indication that the funds would be held once credited. The user interface, confirmation screen, and deposit window all give the impression that the funds are available for immediate usenot locked behind an arbitrary, undisclosed holding period. 

This is a classic case of bait-and-switch. Bitstamp lures users into initiating deposits under the impression of full liquidity, only to freeze the funds after the transaction completes. I would not have authorized the deposit had I known the funds would be restricted. 

When I contacted Bitstamp support, I requested that they either release the funds or reverse the ACH transfer so the money could be returned to my bank account. They refused, offering only a generic explanation about their internal policy and stating that I must wait for my bank to respondeven though the funds were credited instantly and no fraud or bank issue was present. 

I believe this conduct : Constitutes deceptive advertising and a failure to disclose material limitations ; Deprives consumers of control over their funds ; Creates unjust enrichment by forcing users into a locked system under false pretenses ; And may violate provisions of the Electronic Fund Transfer Act and UDAP standards under the CFPBs authority.

Resolution Requested : 1. Immediate release of my funds or reversal of the ACH transaction ; 2. Clear, prominent disclosures on Bitstamps platform regarding withdrawal restrictions before a user initiates a deposit ; 3. Investigation into Bitstamps ACH policies and whether they comply with federal consumer protection standards.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : XXXXXXXX XXXX  XXXX Date Opened : XX/XX/year> Balance : 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX . Account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am submitting this complaint against TransUnion for knowingly reporting false and inaccurate personal information on my credit file in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections XXXX ( A ), XXXX, and XXXX ( b ). 
I have disputed the following personal information with TransUnion previously, but they failed to properly investigate or remove the inaccurate data. The reported addresses do not belong to me, and I have never resided at these locations : Wrong Addresses Reported : XXXX XXXX XXXX WY XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DC XXXX These addresses are completely incorrect and are not affiliated with me in any capacity. Reporting such erroneous addresses has caused confusion, delay in credit-related decisions, and unnecessary XXXX  to my reputation. This is a direct violation of FCRA XXXX ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. 
Despite prior disputes, TransUnion has continued to verify these false addresses without providing any documentation to prove their legitimacy. This demonstrates a willful neglect of my consumer rights and a failure to conduct a reasonable reinvestigation as mandated under FCRA XXXX. 
XXXX XXXX XXXX : XXXX  Dated : XX/XX/year> I did not authorize this hard inquiry. Under FCRA XXXX ( a ) ( XXXX ), a consumer reporting agency XXXX furnish a consumer report only under specific permissible purposes. This inquiry was conducted without my consent and without a valid permissible purpose, thereby violating federal law. Repeated attempts to have this inquiry removed have been ignored or verified improperly. 
I am experiencing ongoing XXXX  due to these errors, including the denial of credit, unfavorable lending terms, and undue XXXX XXXX 
I am requesting that CFPB immediately investigate this matter and compel TransUnion to : XXXX. Permanently delete the above inaccurate addresses from my credit report XXXX. Remove the unauthorized XXXX inquiry from XXXX dated XX/XX/year> XXXX. Provide proof of reinvestigation as required by law XXXX. XXXX TransUnion for failing to comply with federal obligations under FCRA This is my second attempt, and I have yet to receive a fair resolution. If needed, I am prepared to escalate this to the FTC and seek legal counsel for further action.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XX/XX/year> : An illegal transaction of {$160.00} was taken at XXXX XXXX for my XXXX debit card, I received the transaction notifications and immediately reported to XXXX, and they marked my card as lost card. 

XX/XX/year> : I called Fiserv at XXXX to file a dispute for the above transaction and they provided me with a case number. 

XX/XX/year> : Called Fiserv again and they said they couldn't find the case number, no dispute was processed. I requested a dispute and requested the manager to call me. 

XX/XX/year> : Nothing has been done by Fiserv nor XXXX to dispute my transaction. Called again, they again failed to locate my case number. I requested the case number again and asked the manager to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
XXXX XXXX, XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union 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 XXXXXXXX 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 

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 2025-07-02 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: CT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ 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 2025-07-02 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: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to dispute and request the blocking of the following fraudulent accounts appearing on my credit report. As permitted under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed due to identity theft : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$0.00} XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Amount : {$4900.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Amount : {$230.00} These accounts were not opened by me, nor authorized, and are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief