vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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:
My identity has been stolen credit cards has been opened in my name without my knowledge it's stopping me from any credit or buying a house or renting a apartment someone has been opening cards sent 2016 I need help to have it removed off of my report in investigation needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
This is my third complaint ( previous XXXX XXXX, XXXX ) against Fifth Third Bank for their willful inaccurate reporting of my secured credit card ( Account # XXXX ) to XXXX XXXX XXXX XXXX XXXX violating FCRA ( 15 U.S.C. 1681s-2 ). Their refusal to correct this error, despite overwhelming and clear evidence, is frustrating and unacceptable, harming my credit and by extension me personally for over two years. 

I opened the account in XXXX with a {$300.00} deposit. I requested closure in XX/XX/XXXX, but Fifth Third kept it active, generating statements and adding fees ( {$510.00} by XX/XX/XXXX ) until XX/XX/XXXX, per the XXXX  XXXX XXXX XXXXXXXX, statement. Yet, they falsely report it closed in XX/XX/XXXX with a XXXX late status, violating FCRA 623 ( a ) ( 1 ) ( A ) and CDIA standards. 

I disputed this with CRAs repeatedly in XXXX, but Fifth Third continuously and knowingly verified the wrong date. My first two CFPB complaints were eventually answered by Fifth Third Bank but their answers did not address the clear and undeniable evidence of their wrong doing. Their XX/XX/XXXX, letter ( XXXX XXXX XXXX falsely claims there were/are no disputes and denies errors, ignoring their own eight account statements showing clear account activity disproving their own claims. This deliberate misrepresentation to avoid liability violates FCRA 623 ( b ) and is shameful. 

This caused a home loan denial ( XX/XX/XXXX ) and great medical distress for me so PLEASE investigate and COMPEL COMPLIANCE. You have everything needed to prove and verify what I am saying in the prior complaints. Do not let them avoid accountability in this again by simply saying " we didn't do anything wrong ''. Obviously they have been caught in a two year long bank reporting error and are now actively engaged in trying to cover that up, including using this very platform to lie in hopes that you will just take them at their word. The bank says on their statements that this was closed in XXXX of XXXX but they are now lying to cover up the reporting error in hopes that they can get away with it. Don't let them use this CFPB forum to further this debacle. Investigate and COMPEL them to stop the disinformation campaign here and now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd
State: MT

Complaint narrative:
Dear Wise Team, I sincerely apologize for the duplication of documents. I want to clarify that I am a partner in the company " XXXX XXXX XXXX XXXX '', so I submitted my documents to ensure complete transparency and provide all the required information for verification. 

Please understand that my future depends on this opportunity, and I kindly ask you to give me one chance to resolve this matter. I am a human being and may have made a mistake, but it was not intentional. 

Additionally, I need to withdraw payment from XXXX, which is currently pending due to this verification issue. I would be deeply grateful for your support in helping me move forward. 

Thank you for your understanding and kindness. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CT

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Several companies have accessed my credit report without my authorization, negatively affecting my credit and score. Although a representative previously assured me these inquiries would be removed, they remain on my report. These unauthorized entries are deeply concerning, possibly indicating identity theft, and continue to cause undue stress and harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
I recently noticed a fraudulent transaction on my CashApp account and this was blocked by the bank but for the simple reason of someone having my information I requested a new card. I requested this card be expedited as all of my money is in this account and I did not want to go without a card. 

After 3 days, the allotted delivery time, I reached out to inquire about this but was given no new information. I was upset as I paid for speedier delivery and not only was it not arriving but I was told that I could not get a refund even though the service I paid for was not fulfilled. I complained to their support and the card finally arrived the following day. 

I attempted to activate my card immediately upon receival only to find out that my account had been closed due to not following the Terms of Service. I inquired about this and advised there was no new activity on my account that would cause this behaviour and I do not find it coincidental this happened after a discrepancy with the card delivery.

Come to find out that the card and account had been deactivated due to gambling, I use XXXX  and XXXX  as these are completely legal in my state and I have been using these services for some time ; I am sure millions use gambling services on CashApp but neither here nor there. 

I requested a refund of the card I paid extra for ( XXXX ) and the expedited delivery that did not arrive in the allotted time paid for and promised. Through all of this wrong doing, I am not mad.. They lost a customer and I have another bank but what makes no sense is why they would allow me to purchase a card and expedited services when my account was deactivated and now they want me to jump through flaming hoops, wait days, to be told I can not be refunded. This is not right. 

I can assure you more than 25 % of the clients on CashApp use gambling services as I have been doing for years. They want to cancel my account, lock my funds, and charge me for services on a deactivated account then refuse to refund the petty amount of dollars?? Ive wasted more money in the TIME it took to write this complaint but they can not just be allowed to do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 am filing a complaint against XXXX XXXX XXXX XXXX and the credit bureau for continuing to report a closed student loan account that has not been verified. 

On XX/XX/year>, I submitted a formal dispute and requested verification of the account under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ). I specifically asked for the original signed Master Promissory Note, legal proof of authority to report the loan, and the complete account and payment history. 

No documentation was provided in response to this legal request. 

Under FCRA XXXX ( a ), any disputed item that can not be verified within 30 days must be deleted. This account remains on my credit report without verified documentation and continues to negatively affect my credit. 

I am requesting that the CFPB investigate and enforce the law requiring deletion of unverifiable information.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA
State: GA

Complaint narrative:
I have never heard of this company. With no prior contact or notice, National Collegiate Student Loan Trust had garnishment papers served at my place of employment on XX/XX/XXXX. They then waited until I almost had run out of my time to put in a response before they sent me a copy of the same paperwork in the mail, one not certified, one certified which I was not at home to sign for on XX/XX/XXXX, I only learned of this after it had been sent back to them. I had already filed my response on XX/XX/XXXX after my employer gave me a copy of their paperwork. I put in a response in Magistrate saying that I did not have any information about this company, I had my name legally changed after my marriage XXXX XXXX XXXX XXXX and this was in my maiden name, I also had no private student loans that were less than XXXX XXXX XXXX and the company could not legally collect this money. I sent them a certified copy with return receipt on XX/XX/XXXX. I received the return receipt on XX/XX/XXXX, XXXX have sent a letter with a docketed trial. In addition to all this, my husband and I filed XXXX  XXXX bankruptcy back in XXXX that should have XXXX any private student loan. I also have no private student loans that are less than XXXX XXXX XXXX and all my federal loans have been in deferment while I was still in school until XX/XX/XXXX when I received my XXXX XXXX XXXX. Also, this loan does not show on my credit report at all. 

According to the garnishment paperwork, they claim that I was served on XX/XX/XXXX. XXXX court states they did not serve me, the lawyer 's company did. They were awarded a default judgement on XX/XX/XXXX. I have never been served any paperwork for this! They are saying the principal amount due is {$2400.00} plus interest and court costs totaling {$3500.00}. 

I have attempted to contact the lawyer 's office multiple times and have spent hours on hold trying to get in contact with someone for more information. The lawyer is XXXX XXXX XXXX, Georgia Bar No : XXXX with XXXX XXXX XXXX XXXX in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
In XXXX, I attempted to update the email address associated with my Coinbase account. Shortly after making this change, I noticed that I was unable to make deposits or perform any activity on the platform. I opened multiple support cases to resolve the issue, but instead of resolving it, Coinbase eventually informed me that my account would be closed due to the changes I had made. Which was simply updating my email address on the account. 

At no point was I clearly informed that my account was being closed, and I only became aware of this after my access and functionality were restricted. I had cryptocurrency in the account that I intended to hold long term. Due to Coinbases actions, I was unable to manage my assets, and I missed out on significant gains.

I believe the decision to close my account was unjustified, especially without clear notification or explanation, and it caused me financial harm. I am seeking a formal review of this matter and a resolution. I was young and naive I didnt realize how shady they were with me until now. At the end I had no choice I was forced to withdraw my funds at a loss and not use the platform for no apparent reason. 

I also had funds in my Coinbase wallet account that I dont have access to. I only have the old email address which was : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a formal dispute regarding inaccurate or questionable information with [ Company Name/Credit Bureau ] . A response was required within 30 days under the Fair Credit Reporting Act ( FCRA 611 ). As of XX/XX/XXXX, the results are not accessible online, and no written decision has been provided. 

I attempted to view the outcome on their platform, only to be met with a message stating the results are currently not available online. This blocks my legal right to review, challenge, or escalate the outcome. 

I am requesting the CFPB to investigate this failure to disclose results and hold the company accountable under FCRA. 
This makes 3 disputes against Experian for violating federal laws.

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 2025-05-20 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:
XXXX'This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my nameXXXXThese accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging.\n\nLegal Grounds for Immediate Deletion:\nPursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data:\n\n15 U.S. Code  1681c2: I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.\n\n12 CFR Part 1022, Subpart H: You are legally required to delete fraudulent information from my credit file within four (4) business days of receiving notice.\n\n15 U.S. Code  1681a(2)(B): Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.\n\n15 U.S. Code  1692j: Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.\n\nDemand for Immediate Action:XXXXLet me be absolutely clear:\n\nThese accounts are fraudulent.\XXXXYour continued reporting of them is reckless and potentially unlawful.\XXXXI demand that all fraudulent accounts and inquiries be deleted from my credit file immediately.\XXXXAny collection efforts tied to these accounts must cease and desist without delay.XXXXBELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation