vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
The company still have my old information since I filed a complaint, my old addresses and my old employment history

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  - XX/XX/year> XXXXXXXX XXXX XXXX - XX/XX/year> Fraudulent and needs to be removed from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Coinbase locked my account for {$50000.00}. I have not been able to access my account. I spoken to 10 reps. all I get one thing to try after another. can't speak to a sup. they wont give their location. this has been going on for a month now. I need help. Please contact me. Others have this issue with Coinbase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
On XX/XX/year>, I was involved in a serious motor vehicle accident in a vehicle financed through Exeter Finance. The car was declared a total loss, and I was injured in the crash, which left me unable to work. While Exeter did grant a one-month deferment, they offered no further assistance despite my difficult circumstances. 

When I finally received a settlement offer from my insurance company on XX/XX/year>, I called Exeter because I didnt want to accept the settlement if I would still owe money. I spoke with XXXX in the Total Loss department, who explicitly assured me that I would only owe the remaining principalno interest. I asked XXXX to document this, and he confirmed it was noted on my account. On his word, I accepted the settlement offer, hoping it would bring some closure after months of financial and emotional stress. 

Unfortunately, that trust was completely misplaced. 

Days later, after the insurance company claimed they were waiting on a response from Exeter, I followed uponly to be told that XXXX was wrong and had no authority to make such a statement. Another representative confirmed the same, and when I asked to speak with a manager, I was met with rude and dismissive behavior. The manager said it didnt matter what XXXX told me ; I would be responsible for whatever was left after the insurance payment. 

Even more frustrating, during this time, while the payment from the insurer was pending, Exeter reported my account as past due to the credit bureau, negatively impacting my credit. Now that everything is settled and the car is paid off, Ive been told I must wait 30 days to receive the refund from my extended warranty. 

This experience has been incredibly stressful. Throughout this process, I received contradictory information from nearly every representative I spoke with. There appears to be no consistency, no accountability, and no genuine concern for customers going through hardship. The lack of clear communication, misinformation, and poor treatment by staff made a difficult time exponentially worse.

I do not recommend Exeter Finance to anyone. If youre going through a hardship or expecting reliable customer service, this company will let you down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IL

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. 
Account name : XXXX XXXX XXXX XXXX, has violated my rights.

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall no 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 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 2025-05-19 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: IL

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. 
Account name : XXXX XXXX XXXX XXXX, has violated my rights.

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall no 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 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 2025-05-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have never been late before or after this incident with any bill payments as I always pay on time. I was the victim of identity theft/fraud. XXXX XXXX ( my bank ) froze my account including any outgoing payments. I notified XXXX XXXX XXXX ( car loan originator ) of the facts surrounding this case and sent the police report and XXXX XXXX letter. XXXX told me " not to worry ''. The fraud was found to be legitimate and XXXX XXXX returned the money to my account and unfroze the account. I immediately paid XXXX. XXXX then reported me 30 days late to the credit bureaus. I keep disputing this with them but they stand firm. In the most recent situation, XXXX did not reply to my CFPB complaint within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I have never been late before or after this incident with any bill payments as I always pay on time. I was the victim of identity theft/fraud. XXXX XXXX ( my bank ) froze my account including any outgoing payments. I notified XXXX XXXX XXXX ( car loan originator ) of the facts surrounding this case and sent the police report and XXXX XXXX letter. XXXX told me " not to worry ''. The fraud was found to be legitimate and XXXX XXXX returned the money to my account and unfroze the account. I immediately paid XXXX. XXXX then reported me 30 days late to the credit bureaus. I keep disputing this with them but they stand firm. In the most recent situation, XXXX did not reply to my CFPB complaint within 30 days.

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 2025-05-19 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: FL

Complaint narrative:
I have never been late before or after this incident with any bill payments as I always pay on time. I was the victim of identity theft/fraud. XXXX XXXX ( my bank ) froze my account including any outgoing payments. I notified XXXX XXXX XXXX ( car loan originator ) of the facts surrounding this case and sent the police report and XXXX XXXX letter. XXXX told me " not to worry ''. The fraud was found to be legitimate and XXXX XXXX returned the money to my account and unfroze the account. I immediately paid XXXX. XXXX then reported me 30 days late to the credit bureaus. I keep disputing this with them but they stand firm. In the most recent situation, XXXX did not reply to my CFPB complaint within 30 days.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Someone is using my personal information. Ive disputed this information with the credit bureaus, and Im not receiving any information from them.

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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I keep receiving something saying I owe {$110.00} for XXXX but when I go to my local XXXX XXXX this isn't even my policy number! They say I don't owe this! From CCSXXXXXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is inaccurately reporting a repossession on my credit report for a XXXX XXXX that was returned under a Lemon Law buyback due to serious safety-related manufacturer defects. 

The vehicle was subject to multiple federally recognized recalls, including : XXXX XXXX XXXX : Voltage regulator chip failure causing stalls or no-starts XXXX XXXX XXXX : Oil pump failure leading to engine stall XXXX XXXX XXXX : Faulty software triggering false dashboard alerts These defects rendered the vehicle unsafe, qualifying it for Lemon Law remediation. Despite this, XXXX XXXX continues to report the vehicle as repossessed, which is materially false and misleading. 

I have been disputing this with Experian, Equifax, and TransUnion since XXXX and provided documentation proving the lemon law buyback. However, the credit bureaus have continued to verify this inaccurate information or failed to remove it, in violation of their duties under the Fair Credit Reporting Act ( FCRA ). 

As a direct result of this false reporting : I was forced into a predatory auto loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have been denied refinancing repeatedly, which continues to cause financial harm Legal Violations : By XXXX XXXX XXXX XXXX Furnisher ) : 15 U.S. Code 1681s-2 ( b ) : Failure to investigate and correct inaccurate reporting after being notified XXXX XXXX XXXX XXXX  ( a ) : Furnishing information known or reasonably believed to be inaccurate XXXX XXXX XXXX XXXX ( g ) : Liability for damages from negligent or willful reporting By Experian, Equifax, and TransUnion ( Credit Bureaus ) : 15 U.S. Code 1681i ( a ) : Failure to delete information that can not be verified accurately 15 U.S. Code 1681e ( b ) : Failure to maintain procedures to ensure maximum possible accuracy I have uploaded my identity as well

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 2025-05-19 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is inaccurately reporting a repossession on my credit report for a XXXX XXXX that was returned under a Lemon Law buyback due to serious safety-related manufacturer defects. 

The vehicle was subject to multiple federally recognized recalls, including : XXXX XXXX XXXX : Voltage regulator chip failure causing stalls or no-starts XXXX XXXX XXXX : Oil pump failure leading to engine stall XXXX XXXX XXXX : Faulty software triggering false dashboard alerts These defects rendered the vehicle unsafe, qualifying it for Lemon Law remediation. Despite this, XXXX XXXX continues to report the vehicle as repossessed, which is materially false and misleading. 

I have been disputing this with Experian, Equifax, and TransUnion since XXXX and provided documentation proving the lemon law buyback. However, the credit bureaus have continued to verify this inaccurate information or failed to remove it, in violation of their duties under the Fair Credit Reporting Act ( FCRA ). 

As a direct result of this false reporting : I was forced into a predatory auto loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have been denied refinancing repeatedly, which continues to cause financial harm Legal Violations : By XXXX XXXX XXXX XXXX Furnisher ) : 15 U.S. Code 1681s-2 ( b ) : Failure to investigate and correct inaccurate reporting after being notified XXXX XXXX XXXX XXXX  ( a ) : Furnishing information known or reasonably believed to be inaccurate XXXX XXXX XXXX XXXX ( g ) : Liability for damages from negligent or willful reporting By Experian, Equifax, and TransUnion ( Credit Bureaus ) : 15 U.S. Code 1681i ( a ) : Failure to delete information that can not be verified accurately 15 U.S. Code 1681e ( b ) : Failure to maintain procedures to ensure maximum possible accuracy I have uploaded my identity as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
i received a letter to apply for a loan because i had good credit and qualify for XXXX loan pre-approved, i thought that was great because i need one. I went to your website and applied for it and they told me i didn't qualify for it and it ruined my credit score. i believe i was denied the credit because im XXXX. They where unable to tell me why they denied the loan and kept asking me personal information that they didn't need to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
On or about XX/XX/XXXX, I became aware of a fraudulent account being reported under my name on my credit report. Upon investigation, I obtained a copy of the contract from the creditor, which allegedly contains my signature. However : I did not authorize, initiate, or consent to the formation of any such agreement. 

The signature used is a forgery and does not match my legal signature. 

I was not present during the signing, nor did I give anyone power of attorney or written permission to enter into such agreement on my behalf. 

The personal information used was either stolen or misused by another party. 

This constitutes a violation of federal and state identity theft and fraud statutes, including but not limited to : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 : Requires accurate reporting of consumer credit information.

Identity Theft and Assumption Deterrence Act of 1998 The contract was signed on two different days electronically, not with our names.

it's apparent on the documents sent, that this is a fraud account.

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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I was called by " XXXX XXXX XXXX Badge # XXXX '', he stated there was an active warrant for my arrest since I did not attend jury duty XX/XX/XXXX. He asked if someone could have signed for me at XXXX XXXX XXXX. I stated I no longer lived there and the lady whom I was living with did not either. He told me it was simple fraud that someone signed my name, he'd need me to come into the courthouse @ XXXX XXXX XXXX and that I'd have to post bail but that it'd be returned to me at the courthouse after the warrant was no longer active. I was told I could not hang up the phone, that an officer would be dispatched to my location if I did to arrest me because I would be considered on the run. I was also told that I could not tell anyone why I was asking for money since the case I was summoned to court for, was still an open investigation and that if I did, me and the person I told would be arrested. Unfortunately, this phone call lasted 1.5 hours and he received two payments of {$1500.00} before an officer pulled up to my location to tell me I was being scammed. My mother had called XXXX since the request of {$3000.00} was unusual. I immediately reported the scam to CashApp Support, they told me to report the scam in the app and not to " Cancel Payment '' when I asked if I should do so. I told support that it was a scam and that is under open investigation, I also provided text messages between the scammer and I. On XX/XX/XXXX I received a CashApp notification that I received a reimbursement for {$250.00} for a {$1500.00} scam charge. I received a second notification that " were unable to reimburse you for this payment '', for the other {$1500.00} charge. I did try to speak with management, I was told they are only available via email and they had 24 hours to email me. I was told I would receive the documentation that was " investigated '' during my claim, however I was only provided with a summary of the transactions, no documentation with my evidence was given. I spoke with XXXX Support Manager and XXXX XXXX with CashApp Disputes, management did nothing to help. When I was connected with someone who told me she'd add a note to a section to make sure my request would be taken seriously, the call when mute and when she tried to call me back the line was still mute. When connected with XXXX, he told me I could not be transferred back to her line and that they can not add notes to any sections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like to sue Trans Union because I was in the data breach. I also am not able to have access to my credit report or my credit score in the last five years. I constantly contact them with no resources for help. I sent them all of the documentation that they needed and Ive been cursed out disrespected Just a lot.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
I contacted the institution to request account closure, as the account has a {$0.00} balance and no pending transactions. I no longer need this account and followed all appropriate procedures to initiate closure. 

However, Morgan Stanley by XXXX has failed to act on my request in a timely manner. I have not received confirmation of the accounts closure, and the account remains open, which may pose a risk of unauthorized charges.

Company response to consumer: Closed with explanation