vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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 am filing a complaint against for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite, my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File XXXX CFPB - XXXX ) against them for similar violations. I request that the CFPB takes action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-27 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
This is now the nth time Ive been forced to dispute a fraudulent and unauthorized account XXXX XXXX XXXX XXXXXXXX that continues to appear on my TransUnion credit report. TransUnion is the ONLY credit bureau still reporting this account. Both XXXX and XXXX permanently removed it after my very XXXX XXXX. The fact that TransUnion refuses to do the same despite repeated disputes and ample notice is unacceptable and a serious failure to meet its legal obligations. This account was reported to TransUnion without my knowledge, authorization, or written consent. I never gave permission for this account to be included in my credit file. According to 15 U.S.C. 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only include account information with the consumers written authorization. TransUnion has failed to provide any documentation showing that such consent was ever given. Despite my continued efforts to dispute this, they have repeatedly verified the account without offering a shred of verifiable proof. TransUnions conduct is a blatant violation of federal law. Under 15 U.S.C. 1681i, they are required to conduct a reasonable reinvestigation when a consumer disputes an item on their report. TransUnions repeated verification of an account they can not prove was authorized especially when both XXXX and XXXX agreed to remove it is not only unreasonable, it is grossly negligent and indicative of systemic failure. At this point, their actions or lack thereof appear to rise to the level of willful noncompliance under 15 U.S.C. 1681n, which carries liability for damages. This false and unauthorized account is actively harming me. It is suppressing my credit score, damaging my financial reputation, and creating barriers to essential opportunities like housing and lending. I have suffered unnecessary stress, anxiety, and financial hardship as a result of TransUnions refusal to correct this serious error. I should not have to repeatedly fight to have unauthorized information removed from my own credit file especially when the other XXXX major bureaus have already recognized the issue and resolved 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 2025-03-27 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: TX

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: SC

Complaint narrative:
I am a victim of XXXX  XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-27 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX, XXXX, and XXXX are all reporting inaccurate information on my credit report. I have disputed the information with all parties even XXXX XXXX and citi bank. XXXX is reporting My name incorrect on my XXXX report and address i never live at out of state. I demand it be removed. Its cause a great deal of problems! 

I have contacted all three bureaus and citi bank and XXXX  XXXX and they will not listen or accept my documentation from the government!

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 2025-03-27 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: IN

Complaint narrative:
XXXX, XXXX, and Experian are all reporting inaccurate information on my credit report. I have disputed the information with all parties even XXXX XXXX and XXXX XXXX. XXXX is reporting My name incorrect on my XXXX report and address i never live at out of state. I demand it be removed. Its cause a great deal of problems! 

I have contacted all three bureaus and XXXX XXXX  and XXXX  XXXX and they will not listen or accept my documentation from the government!

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 2025-03-27 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: IN

Complaint narrative:
TransUnion, XXXX, and XXXX are all reporting inaccurate information on my credit report. I have disputed the information with all parties even XXXX XXXX XXXX XXXX XXXX. TransUnion is reporting My name incorrect on my TransUnion report and address i never live at out of state. I demand it be removed. Its cause a great deal of problems! 

I have contacted all three bureaus and XXXX XXXX XXXX XXXX XXXX and they will not listen or accept my documentation from the government!

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 2025-03-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Finance
State: ID

Complaint narrative:
I just spent an entire hour writing a complaint that disappeared off this portal and now Im starting over. This entire day has been robbed by Blackhawk. Yet again they sent another bogus delivery. XXXX claimed business was closed. I dont live in a business I live in an XXXX and we dont have an office. I have wasted XXXX entire days now playing games with this fake delivery. Blackhawk Ive gotten over XXXX packages delivered from XXXX and this has never happened. NEVER SO IM CONVINCED YOU HAVE A GAME GOING HERE WHY? SO I GIVE UP AND YOU KEEP THE MONEY? Why Blackhawk are you harassing me to this extent when Im a victim? 

A mysterious charge appears with a FAKE PHONE NUMBER and Blackhawk has forced me to invest XXXX hours of time AND I STILL DONT HAVE MY MONEY BACK. It was a fake charge only XXXX mint XXXX XXXX BLACKHAWK themselves assessed and look how they have tormented me. 

BLACKHAWK XXXX IS OUT. I AM NOT STAYING HOME ANYMORE AND IM NOT GOING ANYWHERE ELSW TO PICK IT UP. TRY XXXX OR XXXX  XXXX AND THIS TIME ADD {$100.00} for what you have done to me. This is criminal and I will sue you in small claims if I dont have that money in my mailbox by next Friday. Youd better mail it out now because Im not waiting another day for a bogus delivery. I rescheduled my appt cancellation to XXXX  and tomorrow I have plans. I WILL NOT WAIT AGAIN FOR YOUR DELIVERY GAMES DO YOU UNDERSTAND????? 

HOW DARE YOU CAUSE THIS MUCH STRESS TO A VICTIM OF FRAUD. HOW DARE YOU CROOKS.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I made a {$100.00} bitcoin purchase with Coinbase using bank account method. The bank declined my purchased and Coinbase showed i owed {$100.00}. I sold the bitcoin from the original purchase which left me with {$95.00}. I used the {$95.00} to pay towards the {$100.00} owed and then i sent {$6.00} in bitcoin from another wallet to pay off the rest. That was it for the hold and I paid back the full amount. Now after this I made a {$230.00} bitcoin purchase with my debit card ( which coinbase shows it will be available instantly ). After this it only let me send {$130.00} of the bitcoin and the rest is on hold. There is no reason for this to be on hold since the hold was already paid off with differnet funds but there system was having a glitch which was not letting me send the rest due to this glitch most likely attrutbuting by other hold to this new purchase. The funds are supposed to be available instantly and I never would have made a new purchase if I knew this glitch stealing/holding my money would occur. After talking to support for hours I finally got transfered to a supervisor who at first was pretending that this was not a glitch and the system was operating as it is supposed to. Finally after explaining the whole situation he realized it was a system glitch but said there is absolutely nothing they could do about this to fix this. All he can do is send this to the backend team and rthey can remove hold somewhere in 3-5 business days even though I need this money right now. They are holding my money hostage which I need to send and is costing my money but doing this. I need significant financial compensation to make up for this. This is completely unacceptable and they can not get away with stealing their customers money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear CFPB Representative, Please remove for inaccurately reporting charge-offs on multiple occasions for the same accounts, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). The accounts in question are : XXXX XXXXXXXX XXXX XXXX XXXXcount XXXX XXXX XXXX XXXX Account # XXXX A charge-off is a singular accounting event, meaning it should only be reported once on a specific date. EXPERIAN, EQUIFAX, TRANSUNION has reported these charge-offs multiple times over consecutive months, which is both misleading and damaging to my credit profile. This misreporting falsely extends the negative impact of the charge-off beyond its actual occurrence, violating the FCRAs accuracy requirements. I request that the CFPB take immediate action to ensure that [ Credit Bureau Name ] corrects these errors by removing the duplicate charge-off notations and accurately reflecting the account status in accordance with federal law. Enclosed are : A copy of my credit report highlighting the multiple charge-off notations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MD

Complaint narrative:
Dear CFPB Representative, Please remove for inaccurately reporting charge-offs on multiple occasions for the same accounts, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). The accounts in question are : XXXX XXXXXXXX XXXX XXXX XXXXcount XXXX XXXX XXXX XXXX Account # XXXX A charge-off is a singular accounting event, meaning it should only be reported once on a specific date. EXPERIAN, EQUIFAX, TRANSUNION has reported these charge-offs multiple times over consecutive months, which is both misleading and damaging to my credit profile. This misreporting falsely extends the negative impact of the charge-off beyond its actual occurrence, violating the FCRAs accuracy requirements. I request that the CFPB take immediate action to ensure that [ Credit Bureau Name ] corrects these errors by removing the duplicate charge-off notations and accurately reflecting the account status in accordance with federal law. Enclosed are : A copy of my credit report highlighting the multiple charge-off notations

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
Target charged late fee on payment that was supposed to be waved because of website payment inoperability period at time payment was do and continues to charge late fees. They are not giving me a record showing this and continues to process bills show past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is withholding {$25000.00} from me, citing the need to verify the check I deposited with the check maker. However, despite my repeated inquiries, they have taken no action to verify the check or contact the check maker. This issue has been ongoing for over a month. 

To make matters worse, Chase has closed my account, leaving me without access to my funds. I have spoken to the local bank managers, who have tried to assist me, but they have stated that their ability to intervene is limited when dealing with the main executive branch.

I am extremely frustrated and concerned about the lack of progress in resolving this issue. I urge Chase to take immediate action to verify the check and release my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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