vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: TN

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 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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: LA

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 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 a 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 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 2025-10-21 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: LA

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 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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-10-21 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: MO

Complaint narrative:
Good day, I hope everything is going well for you. This is the reason I am writing this letter : the stories that are listed below. I am suffering a great deal as a result of that being on my credit report. My identity was stolen, and as a result, these accounts are appearing on my credit report. This is because my information was stolen due to identity theft. They are a major source of frustration for me because these accounts are not mine, and I should not be required to provide an explanation for something that was initiated without my knowledge. 

Could you please assist me in regaining control of my life by investigating the bogus accounts that are shown on my credit report and removing them? In advance, I am grateful to you.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
I was charged a {$49.00} annual fee on XX/XX/year>, and then billed {$12.00} monthly maintenance fees starting XX/XX/year> and continuing monthly. Indigo Mastercards terms clearly state that customers are charged either an annual fee or monthly maintenance fees, not both. 

I contacted the company and requested an explanation and refund. They have not provided any response or documentation, and there is no valid email or contact address for written correspondence. Because of their dishonest and repeated double billing, I have requested to close my account immediately. I am requesting a full refund of all improper monthly maintenance fees billed after XX/XX/year>, written confirmation that my account is closed, and assurance that my credit will not be negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been fulfilled, as these inquiries still remain. 

This continued inaction is unacceptable. The presence of these unauthorized and potentially fraudulent entries is highly concerning and suggests possible identity theft. This ongoing issue has caused significant emotional and 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 2025-10-21 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-21 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the following accounts currently appearing on my Equifax credit report. These items may have been impacted by a data breach or reinserted without proper verification. I request that Equifax conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.

1681i ( a ) and remove or correct any information that can not be fully verified. 
Accounts in Question : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$310000.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$4000.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$2800.00} INQUIRY : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-21 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: GA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
Experian ignored FCRA 605B - Second violation for not removing fraudulent XXXX XXXX account blocking my escrow closing. This is my second dispute for the same fraudulent account ( XXXX XXXX  Acct # XXXX {$3600.00} opened XX/XX/year> ). I already sent my FTC Identity Theft Report, Police Report, and written statement. Under FCRA 605B, Experian had 4 business days to block and delete this account. Its still reportingthis is willful non-compliance under 605B, 616 & 617. This delay is preventing me from closing on my home purchase in escrow. Please delete immediately. I have attached my previous ftc report, police report, statement, and noncompliance complaint, a copy of my ID and SSN. ( Please see all attachments ).

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 2025-10-21 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX on XX/XX/year> I deposited money into a Bank of America ATM and the atm took my money and never deposited the money nor give me a receipt. It had an error message and that was it. The next day I went into the bank and they give me number to file a claim. I filled a claim with Bank of America and they denied my claim twice. I dont know what to do anymore and clearly theres a video of me putting the money into the atm. Please help me get my Money back

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
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My vehicle was declared a total loss on XX/XX/year>. I first informed Kia Finance on XX/XX/year>, providing documentation of the total loss. Despite this notice, interest continued to accrue on the account. I then spoke to a supervisor on XX/XX/year>, who verbally acknowledged the total loss but refused to adjust or freeze the account, stating the loan would continue accruing interest even though the collateral no longer exists. 

On XX/XX/year>, I sent a written follow-up email requesting that Kia Finance correct the account status to Total Loss GAP Pending and freeze interest effective the loss date. As of today, I have received no written response or correction. 

This conduct violates the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), which prohibits charging interest on destroyed collateral ; the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires accurate and updated account reporting ; and California Civil Code 1785.25 ( a ), requiring accurate information furnished to credit bureaus.

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 2025-10-21 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-21 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: TN

Complaint narrative:
b'I am writing to formally dispute several unauthorized accounts and inquiries appearing on \nmy TransUnion credit report. These items resulted from a data breach and identity theft, \nand I did not authorize, open, or use any of them. \n\nThis letter serves as my official dispute and request for investigation under the Fair \nCredit Reporting Act (FCRA), including but not limited to: \n 15 U.S.C.  1681i(a): Reinvestigation of disputed information. \n 15 U.S.C.  1681c-2: Blocking of information resulting from identity theft. \n 15 U.S.C.  1681s-2(a): Duties of furnishers to provide accurate information.\n\nDisputed Accounts: \nAccount Name: 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 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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Dear Sir or Madam, I am submitting this complaint regarding Coinbase XXXX XXXX and Coinbase XXXX XXXX, which have jointly failed to address a prolonged and unjustified restriction placed on my Coinbase account. 

My Coinbase account has been restricted since XX/XX/2025, and despite repeated efforts to resolve the issue, the company has provided no substantive response or resolution. Over the past several months, I have contacted Coinbase support at least five times. Each time, I am told to wait for the Compliance Team to contact me. However, the only message I have ever received from the Compliance Team was an instruction to contact the Support Team.

This creates a circular and ineffective process, leaving me without access to my account or funds for more than six months. I have fully cooperated with all requests and provided any information Coinbase might need, yet no action has been taken, nor has any clear reason been communicated for this restriction.

I believe this constitutes a breach of : The FCAs Principles for Businesses, particularly Principle 6 ( Customers interests ) and Principle 7 ( Communications with clients ) ; and/or The XXXXXXXX XXXX XXXX XXXXXXXX Consumer Protection Code , particularly provisions requiring regulated firms to act fairly, transparently, and with due diligence in resolving consumer complaints.

I therefore request that your office : Investigate Coinbases conduct and handling of my case ; Require Coinbase to provide a clear explanation and timeline for resolution ; and Ensure I regain fair access to my account and funds as soon as possible.

Please find attached copies of my email correspondence with Coinbase Support and Compliance teams for your review.

Thank you for your attention to this matter. I look forward to your acknowledgment of this complaint and any next steps required on my part. 

Yours faithfully, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Im currently XXXXXXXX XXXX XXXX XXXX XXXX XXXX trying to use my rights under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 3937 ). 

I contacted PayPal Credit customer service multiple times, both by phone and in-app chat, asking where to send my SCRA documentation. Each time, they only gave me the same customer-service number, which I had already called with no results. They said an email with instructions would be sent, but nothing ever arrived. 

XXXX XXXX XXXX  so the limited hours and repeated runaround have made it extremely difficult to resolve this. I just need a verified point of contact or method to submit my SCRA documents so my account can be updated properly.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX  violated FCRA 611 ( a ) ( 1 ) ( A ) by failing to conduct reasonable reinvestigations of my Upstart tradeline despite certified bank statements proving bi-weekly payments ( XXXX XXXX XXXX ) via XXXX XXXX XXXX, directly contradicting their reported {$4300.00} balance, 30/60/90+ lates ( XXXX XXXX or XXXX on XXXX  ), and erroneous XX/XX/XXXX payment despite my documented rejection. On XX/XX/XXXX, I submitted certified disputes with highlighted statements, comparative credit reports showing conflicting closure dates ( XXXX on XXXX  ), and ID/utility bill ; XXXX  partially reclassified as closed personal loan but retained balance/lates ( # XXXX # XXXX ), XXXX  " verified '' with no changes ( XX/XX/XXXX ), while XXXX  deleted entirely XX/XX/XXXX XXXX re-added XX/XX/XXXX as " paid off/ {$0.00} balance '' with 4 lates intact after my XX/XX/XXXX dispute claiming " settled/closed '' all breaching 1681e ( b ) accuracy and 623 ( a ) ( 1 ) ( C ) prohibition on furnishing inaccurate data post-verification, plus sham reinvestigations per CFPB Circular XXXX. 
Upstart 's unverifiable " XXXX never paid '' claim ignores my XX/XX/XXXX payment misreported as XX/XX/XXXX and cease/desist directive, with willful noncompliance under 1681n perpetuating errors ( 611 ( a ) ( 5 ) ( B ) ) via erratic updates ( XXXX  flip-flop XXXX and stonewalling despite XXXX XX/XX/XXXX follow-up disputes claiming " settled for less '' with identical evidenceXXXX refuse to match XXXX  's XX/XX/XXXX deletion or the current status which shows account settled with a zero balance proving full removability. This is beyond immediate full tradeline deletion across all bureaus ( no partial notations ), thorough 611 ( a ) ( 5 ) reinvestigation, score recalculation, $ XXXX statutory damages ( XXXX ), and systemic action against XXXX/Upstart mirroring XXXX  's $ XXXX fine and XXXX XXXX  lawsuit. I don't believe we have to take it that far but these agencies have really done some damage and I'm running out of any clear path to fix this mess.

Company response to consumer: Closed with explanation