vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under 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 2025-08-27 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$14000.00} XXXX, XXXX # XXXX XX/XX/year> -- {$7800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
On XX/XX/2025, I deposited {$2900.00} USD through the Crypto.com app to purchase XXXX. On XX/XX/2025, I made XXXX additional deposits of {$2900.00} USD and {$3000.00} USD. In total, I deposited {$8900.00} USD. 

At the time of deposit, the app displayed no fees, and Crypto.coms advertising and terms promote XXXX XXXX fees on deposits and purchases. 

However, immediately after the transactions executed, my account only showed {$8600.00} invested, a difference of {$320.00}. This discrepancy was present at the moment of execution, not from later market fluctuation. 

I contacted Crypto.com support multiple times over the past XXXX days requesting : A full breakdown of my {$8900.00} deposit, The exact execution price of my XXXX purchases, The market price at those same times, and An explanation of the {$320.00} difference. 

Instead of answering, Crypto.com only responded with vague explanations about market fluctuations and volume-weighted averages. They continue to deny the existence of any fees, despite the missing {$320.00}. 

This indicates a hidden spread fee or undisclosed charge, which contradicts their claim of 0.0 % fees. Displaying no fees while withholding {$320.00} is misleading and deceptive. 

I am requesting regulatory review of this practice and a refund of the {$320.00}. I have screenshots of the deposit process, the no fees message, Crypto.coms advertising claims, and the resulting net balance. 

Attached are my XXXX attempts to get a resolution with the support team, screenshots showing that everywhere you check it shows XXXX XXXX fees on purchases and deposit, and the net invested showing only {$8600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
This correspondence serves as a formal dispute of a late payment inaccurately reported on my credit report. I have consistently maintained timely payments, and this false entry contradicts my verified records. The continued reporting of this error is misleading, unfair, and damaging to my overall credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
My PayPal account which has been active for over 10 years has been limited by the company and my funds are being held. There was no reason given for the limiting of my account, and no way to find out. I have a monthly reoccurring charge that is not being paid by my account that is a current problem. I have requested reasoning for why my account is limited and there was no way to find out. I have called the company and provided the information that I can provide to resolve the limitation, however they are still holding my funds. I can not access my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-08-27 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: CA

Complaint narrative:
My actual financial behavior isnt shown in this summary.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Data Search NY, Inc.
State: MA

Complaint narrative:
To Whom This May Concern : I have tried contacting TrakAmerica about adjusting the account to honor XXXX for military members, however they have not responded to my email or answered my phone calls. The current amount of {$14000.00} does not reflect a true accurate profile. XXXX needs to be applied to the account in order to adhere with federal laws for military members/spouses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$2400.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$740.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Florida XXXX Email : XXXX Date : XX/XX/XXXX Subject : Ongoing Non-Compliance with the Fair Credit Reporting Act Failure to Correct or Verify Disputed Information I am filing this complaint against Experian, Equifax, and TransUnion for their continued violations of the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/XXXX, I submitted a formal dispute regarding inaccurate and unverifiable accounts appearing on my credit report. I also sent a follow-up on or before XX/XX/XXXX. Despite these multiple attempts, the credit bureaus have failed to correct, delete, or properly verify the disputed information. 

As of today, the following items remain unresolved and unsubstantiated : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX I specifically requested, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), that the credit bureaus provide the method of verification, including : The specific procedures used in their reinvestigation The full name, title, and contact information of the person ( s ) or entity contacted All documentation relied upon during the investigation To date, none of this information has been provided. Instead, the credit bureaus continue to report inaccurate and unverifiable information, which constitutes willful non-compliance with : 15 U.S.C. 1681i ( a ) : Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy This ongoing negligence is damaging my creditworthiness and causing continued financial harm.

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 2025-08-27 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: MA

Complaint narrative:
I am filing this complaint because Equifax is inaccurately reporting a 30-day late payment on two XXXX XXXX XXXX  accounts ( Acct # XXXX XXXXXXXX and Acct # XXXX XXXXXXXX ). 

XXXX  and XXXX both report these same XXXX XXXX accounts as Never Late. 

Equifax, however, is reporting a 30-day late that is not reflected anywhere else.

This inconsistency makes Equifaxs reporting inaccurate, incomplete, and misleading.

I previously disputed this directly with Equifax. Instead of conducting a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ), Equifax responded by labeling my dispute frivolous and refused to review, even though I provided new, relevant information ( that other credit bureaus report these accounts with no late history ).

Legal Violations : FCRA 1681e ( b ) : Credit bureaus must assure maximum possible accuracy of credit information. Reporting a 30-day late when other CRAs show never late is not accurate.

FCRA 1681i ( a ) ( 1 ) ( A ) : Requires reinvestigation when a consumer disputes information. Equifaxs refusal to reinvestigate, despite new evidence, is a violation.

FCRA 1681i ( a ) ( 3 ) ( A ) : A bureau may dismiss a dispute only if it is substantially the same and no new information is provided. I provided new information, so Equifax can not legally refuse.

I request that the CFPB compel Equifax to conduct a full reinvestigation of both XXXX XXXX accounts. Provide documented proof from XXXX XXXX  original records validating the alleged late payment. 

If Equifax or XXXX XXXX can not produce verifiable documentation, the inaccurate late entry must be permanently deleted. Equifaxs refusal to reinvestigate is obstructing my rights under federal law, and I am requesting immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Unable to use citi card for any reason and unable to verify my identity. Ive called 3 times verified my identity 2 of 3 and my balance transfer was not completed. When i last spoke to someone on XX/XX/XXXX i was told it would be done, it was not. Today XX/XX/XXXX i called as i had another fraud alert and they can not verify my identity now. They wanted my social, bank acct info, other credit card info, etc. I refused all personal info not directly related to tue card/acct as i was already verified on the XXXX. Now they will send a letter. I opened this acct XX/XX/XXXX for balance transfer only. And now a month later still unable to transfer.

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 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit
State: TX

Complaint narrative:
This account is fraudulent. I did not open this account, nor do I have any knowledge of consenting to this account being opened in my name. I have disputed this fraudulent auto loan for almost 3 years when I first recognized it reporting on my file. I was told that this account was removed and blocked from reporting due to the severity of the situation. 
Account info Account name VOLKSWAGEN CREDIT XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
This morning, I discovered that inaccurate accounts are still listed on my credit report, and I can not understand why this hasnt been fixed yet. I always check my report, but this time the discrepancies were still there. I even refreshed my browser to make sure, and they remained. I am beyond frustrated and expect that the documents I provided be checked in detail so this matter is corrected without any more delay.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Good afternoon. I used to have the TJ Maxx Synchrony reward card, in XXXX XXXX XXXX I called the credit card company and asked to pay off the entire card and then to close the account. The woman whom I spoke to in XXXX assisted me and assured that my account was now closed. In XX/XX/2025, I received a message stating that I was being charged with delinquent charges for not paying my bill. This came as a shock to me, because I had already paid my bill and closed the account. Come to find out, my account was never closed and I owed {$4.00}, which had now grown to {$9.00} due to interest. I once again called the company and asked to close the account. They apologized for the mistake and closed the account. Additionally, they told me they would file a complaint with the CFPB, but i never heard from them again. This has seriously damaged my credit score, and I need to have this addressed as soon as possible.

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