vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-01 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-01 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: Nelnet, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX when I pulled my annual credit report I found an account reporting multiple late payments over the past 5 months. Unaware of who the company represents or what product they sell I contacted them to inquire about the account. After a lengthy phone call with them mostly consisting of them trying to attain my personal information we finally spoke about the account in question. The agent I spoke with said that they used a skip trace team to attain a mailing address and phone number that was supposed to belong to me but in fact did not. I asked about removing the late payments that were diminishing my credit score and the agent replied that there was no chance. After failed attempts to come to a compromise I had given up. A couple years later in XXXX of XXXX I spoke with a friend who has been studying law and the above conversation sparked and he advised me of a few steps to take to try and rectify this situation. So, in XXXX of XXXX, I contacted the company that is reporting the late payments, along with the 3 major credit bureaus, requesting proof of the contact made regarding the payments requested. I stated 30 days to respond but gave 45 in case they mailed a response on day 30. I have yet to receive a response from the company. On day 45 I sent a request to the credit bureaus for the removal of the late payments because the company failed to provide any information regarding the validity of the late payments in accordance to the fair credit reporting act. No bureau has responded to either of my letters prompting me to seek further help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm is reporting multiple charged-off accounts on my credit report. The accounts are being reported with inconsistent balances, payment histories, and dates of delinquency across different bureaus. 

I have not been provided any validation or original signed documentation proving the accuracy of these accounts. Without proper validation, these tradelines are unverifiable and inaccurate under the Fair Credit Reporting Act ( FCRA ). 

I first noticed these errors on my credit report in XX/XX/year> and despite monitoring my reports, Affirm has failed to provide accurate reporting. These errors are damaging my credit and preventing fair access to housing and credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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:
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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 explanation
Consumer complaint received 2025-09-01 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase misled me by allowing me to fund my account based on their chatbots clear statement that I could send crypto to my XXXX wallet despite restrictions, as shown in a XXXX XXXX  chat on XX/XX/year>. After funding, they blocked the transfer and now only permit withdrawals with excessive fees, causing financial loss. Despite following their instructions and providing the correct wallet address, the transaction failed, contradicting their supports claims. I demand Coinbase honor the chatbots assurance, waive all fees, and restore my ability to send crypto

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-01 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: PA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: PA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
In XX/XX/XXXXXXXX XXXX PayPal limited my account, citing a User Agreement violation for " offline and personal payments from cross-border buyers. '' They informed me my funds ( XXXX EUR and {$1200.00} USD ) would be available for withdrawal after a 180-day hold. I waited over 180 days, but as of XX/XX/XXXX, I still can not access my funds. PayPal 's support provided generic responses, claiming an Acceptable Use Policy ( AUP ) violation, but the stated reason is not explicitly listed in their AUP. I deny intentionally misusing the platform ( e.g., any " Friends and Family '' payments were from friends, not buyers, and buyer choices are beyond my control ). I filed a complaint with the XXXX  ( XXXX # XXXX ) in XXXX, but PayPal 's response was automated and unresolved. Ive contacted their support multiple times with no resolution. Transaction IDs involved : XXXX, XXXX, XXXX. I request immediate release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter finance stated I owed a balance on my vehicle after trading it in but thats not accurate as I was current. The amount was {$400.00} and was eventually placed on my credit as a balance then later charged off after many months of clocking it as a missed payment. This needs to be removed. I had no communication from them about any of this. Until I saw it negatively shown on my credit as charged off. I immediately made the payment but the history on report is terrible and they refuse to remove it even though I paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services
State: GA

Complaint narrative:
On XXXX XXXX  a dispute was submitted to XXXX, XXXX, and XXXX. XXXX XXXX  It says the issue was resolved. Its still showing on my credit report that the loan is 90 days late which is making a negative impact on my credit when they said they would remove that from my credit report now that the loan is in deferment of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TX

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 XXXX 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 XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/year>, Balance : {$14000.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$470.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports, which have resulted from identify theft. These accounts were opened without my authorization or consent, and their reporting violates multipe provision of U.S law, including the Fair Credit Reporting Act ( FCRA ). The accounts in questions are XXXX XXXX XXXX XXXX Account Number : XXXX ( All 3 Bureaus ), High Balance : XXXX XXXX XXXX XXXX Account Number : XXXX ( All 3 Bureaus ), High 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 non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/2025 I deposited a cashiers check from XXXX XXXX XXXX XXXX XXXX in the amount of {$420000.00} which was my federal tax refund. My deposit slip says the funds would be available on XX/XX/2025. I then received a letter stating that Citizens was placing a hold on the funds to XX/XX/2025 stating that they believed the check would be paid even though XXXX XXXX XXXX XXXX XXXX verified the funds left their account on XX/XX/2025. I went to the bank on XX/XX/2025 to withdraw funds and was verbally told that the hold had been extended to XX/XX/2025. I called to see if the funds were going to be available and was told the hold had been extended to XX/XX/2025 and my account locked. I have received nothing in writing from Citizens as to why they have extended the hold. I have bills to pay which my Social Security check doesnt cover and am presently being evicted because I cant pay my rent and have a court date of XX/XX/2025. I really need Citizens to allow me access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
This is an addendum to complaint : ID number XXXX which is the initial complaint The second addendum was ID XXXX which simply offered more detail needed for the initial complaint because there is no way to add additional information other than submit a new complaint. In review of this issue I have discovered that over {$2000.00} was paid to the XXXX XXXX for fees and charges back in 2024 and this was never applied. 

Please see attached pdf. 

This is the third complaint which offers proof that I paid {$2500.00} on the account. My credit report from XXXX is attached and states that it was paid in settlement. The settlement result is me owing {$4200.00}, but this is not true. 

I paid {$2500.00}. It is also not true that my credit report shows {$20000.00} was the original amount owed. This is not correct. This lease was paid in full, minus the over-mileage charges. These are over-mileage charges agreed paid in settlement. 

My monthly vehicle payments were all paid in full. To date, Ally has not offered me a breakdown of the end of lease charges, but this vehicle was given back past the lease end date, and all of the payments were paid in full. 

The charges they are falsely reporting are end of mileage charges making it appear that I paid off about $ XXXX on the lease and got the to end of the term and did not pay the remaining $ XXXX. This is arbitrary and capricious.

Company response to consumer: Closed with explanation