vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In response to a letter from XXXX I have added additional documentation to my recent complaint to these third party credit furnishers. I have identified each fraudulent account and all soft inquiries and hard inquiries that are misrepresenting my credit file. I am prepared to moved forward with arbitration if there is no resolution

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 2025-11-20 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: AZ

Complaint narrative:
TransUnion is reporting closed accounts with multiple inaccuracies and inconsistencies that violate the FCRA. Certain accounts show delinquencies reported after the date the account was closed, which is not possible. TransUnion is also listing duplicate or fragmented versions of the same creditor with conflicting account types, statuses, and dates. Some accounts lack an accurate Date of First Delinquency, while others conflict with the information reported by XXXX  and XXXX. These issues indicate that TransUnion is reporting information that is contradictory, incomplete, or unable to be verified through the original creditor. This reporting does not meet the FCRAs requirement for maximum possible accuracy.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against PNC Bank regarding their failure to process a consumer transaction dispute in a timely and appropriate manner.

I submitted a transaction dispute over a month ago through PNCs formal process and provided all documentation they requested, including proof of the issue, communication with the merchant, and all supporting evidence. Despite this, I have received no updates, no temporary credit, and no confirmation that the matter is being actively reviewed.

Other financial institutions typically provide temporary credit within a few days and offer regular updates during the investigation. PNC has done neither, and I have been left in the dark without a resolution long past what would be considered a reasonable timeframe.

This delay is not only stressful but also impacts my financial planning. PNCs lack of follow-through appears to violate reasonable standards of dispute resolution and transparency expected of a federally regulated financial institution.

I am requesting that the CFPB investigate this matter and ensure that PNC responds to my dispute, processes it appropriately, and adheres to the timelines and procedures they are obligated to follow under federal law.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Dispute # XXXX Account Ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Scam alert bank says because money was sent to my account by scammer and I sent it back they couldn't refund the money because the checks were fake and I returned them Yes I did but I did not know I was being scammed at the time until It was too late the bank caught it and put a hold on my account now I have to pay for fake checks which over XXXX possibly will be taken I'm hurt about it because that's alot of money

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 2025-11-20 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: NY

Complaint narrative:
I requested several times that the entity validate the debt for correctness and accuracy. I was sent a letter stating that my request was FRIVILOUS and the alleged debt was " sold '' to XXXX XXXX XXXX XXXX. The alleged debt is being reported to all credit bureaus as charged off, which would be considered INCOME for me. As law prescribes, INCOME can not be reported on credit reports as an alleged debt. I will be forwarding an IRS form 4506 to that agency! I am not exactly certain which reporting agency this was originally reported to be it's more that likely displayed on all 3 major bureau sites and perhaps secondary sites as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. In XXXX, a car dealership fraudulently used my personal information to open accounts. I filed an FTC Identity Theft Report and a police report, which officially documents this crime. 

Despite this, a fraudulent account originally opened with XXXX XXXX XXXX XXXX, now held by XXXX XXXX XXXX XXXX, continues to be incorrectly reported on my credit file. The total fraudulent amount reported is over {$50000.00}. 

I have taken the following actions to resolve this : On multiple occasions since XXXX, I have submitted my FTC Identity Theft Report to the three nationwide credit bureaus ( Equifax, Experian, and TransUnion ) demanding they block the fraudulent information as required by federal law ( FCRA 605B ). 

I have also submitted the same evidence to XXXX XXXX XXXX XXXX, proving the account is fraudulent. 

In response, the credit bureaus have repeatedly failed to block the information, instead stating they " verified '' the account with the furnisher. 

Most recently, in XX/XX/XXXX, XXXX XXXX XXXX XXXX responded to my dispute and evidence with a form letter, stating they " determined that the information provided is accurate, '' while completely ignoring the official FTC Identity Theft Report I provided. 

The companies involved have taken no meaningful action to correct their error. The furnisher ( XXXX XXXX ) ignores conclusive proof of fraud, and the credit bureaus rely on this faulty verification, creating a loop that keeps proven-fraudulent accounts on my credit report. This is a willful failure to comply with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. In XXXX, a car dealership fraudulently used my personal information to open accounts. I filed an FTC Identity Theft Report and a police report, which officially documents this crime. 

Despite this, a fraudulent account originally opened with XXXX XXXX XXXX XXXX, now held by XXXX XXXX XXXX XXXX, continues to be incorrectly reported on my credit file. The total fraudulent amount reported is over {$50000.00}. 

I have taken the following actions to resolve this : On multiple occasions since XXXX, I have submitted my FTC Identity Theft Report to the three nationwide credit bureaus ( Equifax, Experian, and TransUnion ) demanding they block the fraudulent information as required by federal law ( FCRA 605B ). 

I have also submitted the same evidence to XXXX XXXX XXXX XXXX, proving the account is fraudulent. 

In response, the credit bureaus have repeatedly failed to block the information, instead stating they " verified '' the account with the furnisher. 

Most recently, in XX/XX/XXXX, XXXX XXXX XXXX XXXX responded to my dispute and evidence with a form letter, stating they " determined that the information provided is accurate, '' while completely ignoring the official FTC Identity Theft Report I provided. 

The companies involved have taken no meaningful action to correct their error. The furnisher ( XXXX XXXX ) ignores conclusive proof of fraud, and the credit bureaus rely on this faulty verification, creating a loop that keeps proven-fraudulent accounts on my credit report. This is a willful failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXXXXXX XXXX XXXX XXXX from XXXX XXXX for {$1400.00} charged to my Synchrony Bank XXXXXXXX XXXX Financing account ( Order # XXXX ). The device was materially defective from day one with severe overheating, random shutdowns, camera failures, and extreme battery drain making it completely unusable. 

I contacted XXXX customer service multiple times starting XX/XX/year>, documenting all defects. XXXX escalated to their highest support tier and acknowledged the device issues. XXXX representative XXXX stated " I'm truly sorry for the concerning experience you've had with your device '' and approved a " one time exemption of a refund. '' However, XXXX only offered {$930.00} - a shortage of {$540.00} from my purchase price. I provided complete order details showing {$1400.00} total and rejected this inadequate partial refund multiple times. XXXX representatives XXXX and XXXX both admitted in writing that " {$930.00} is the maximum refund I am authorized to process '' and that " XXXX Can not Process the Full Refund. '' XXXX then stopped responding to my emails entirely. 

I filed a dispute with Synchrony Bank on XX/XX/year> ( Claim # XXXX ) providing all documentation including XXXX 's emails admitting they could only refund {$930.00}. On XX/XX/year>, I received an email stating " We've resolved your dispute '' but discovered on XX/XX/XXXX that the dispute was actually DENIED. 

I filed a redispute on XX/XX/year> with comprehensive documentation including XXXXXXXX XXXX written admission they would only refund 63 % of purchase price. I also filed my first CFPB complaint ( XXXX ) on XX/XX/year>. 

Synchrony has now DENIED my redispute again, forcing me to refile this complaint. They are violating Fair Credit Billing Act protections for defective merchandise ( 15 U.S.C. 1666i ). I have clear written evidence that XXXX acknowledged the defect but refused full remedy, which is exactly what FCBA protects against. 

Additionally, Synchrony demanded I make minimum payments on the disputed amount during the pending dispute, which directly violates FCBA Section 1666 prohibition on collecting disputed amounts during investigation. 

This is my second denial of a valid FCBA dispute for defective merchandise with documented proof of merchant 's refusal to provide proper remedy.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies and conflicting information reported by XXXX across all three major credit bureausExperian, Equifax, and TransUnionwhich have caused significant damage to my credit profile and financial reputation. Specifically, Experian reports account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2100.00}, last activity on XX/XX/year>, and late payments of 90, 120, and 150 days ; Equifax reports account XXXX with the same balance but last activity of XX/XX/year> and only 90 and 120-day lates ; and TransUnion reports account XXXX with last activity of XX/XX/year> and 90 and 120-day late marks. Similarly, Experian reports XXXX at {$1500.00} with last activity XX/XX/year> and 90, 120, 150-day late payments ; Equifax XXXX at the same balance, last activity XX/XX/year> with 90 and 120-day lates ; and TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with last activity XX/XX/year> and 90 and 120-day late marks. Accounts with balances of {$7000.00}, {$3800.00}, {$2100.00}, and {$3800.00} follow the same conflicting pattern, with each bureau reporting different last activity dates and late payments for the same underlying account, making it impossible to determine accurate payment history. These inconsistencies, combined with EDFinancial reporting multiple late payments that can not be verified, violate the Fair Credit Reporting Act ( FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), 605 ( a ), 15 U.S.C. 1666a ) and have unfairly harmed my creditworthiness, as the conflicting information portrays me as chronically late when in reality the accounts are either misdated or inaccurately reported. Despite my prior disputes to the bureaus, these errors remain uncorrected, leaving me with a distorted, misleading, and damaging credit history that does not reflect my actual financial responsibility.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened the account XXXX XXXX and deposited {$1000.00} and another deposit for {$29000.00} on XX/XX/year>. No other transactions. The account was closed by Citibank on XX/XX/year>. This was not communicated to me. Only after I called, I found out the account was closed due to fraud. I called and was told I could expect the balance within 30-60 days. I received a letter dated XX/XX/year>, stating the account was closed. After 30 days or so I went to a branch to ask when I would receive the balance. They could not help me. Called on several occasions for a status update on my funds with no resolution other than to call back again. Spoke with a manager who made me bring bank statements from my other bank ( XXXX XXXX XXXX XXXX ) where the funds were transferred from. Went to a branch where they sent the statements to their back office for review. Called again for update, there was none. Called again where a Citibank rep conference called schools first credit union and AGAIN verified the funds were mine. I was issued a check for my initial deposit {$1000.00} ( XXXXXXXX  ). Been calling every week with no update. Its now XXXX, account was closed XXXX. Everytime I call, there is no update, they tell me they dont know when I can expect the balance. I try to call every week, but I get the same excuse. Citibank has never contacted me. They tell me to call back every 24-48 hours for an update.

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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I was the victim of a coercion/extortion scam. Criminals impersonating law-enforcement officials placed me under continuous XXXX  threats and pressure until I complied with their instructions. All activity conducted on Coinbase was performed under duress, fear, and without genuine consent. 

While under coercion, I was forced to transfer large amounts of money to Coinbase, representing part of a total loss of {>= $1,000,000}. As soon as funds arrived : the criminals converted the transfers into cryptocurrency and transferred the crypto immediately to external wallets they controlled Coinbase failed to : flag unusually large, first-time deposits detect rapid conversion + instant external transfer patterns apply enhanced due diligence or AML controls identify signs of financial exploitation or coercion intervene despite obvious red flags provide meaningful assistance after I reported the fraud Coinbase later denied responsibility, stating the activity was authorized, even though law enforcement has confirmed I was acting under threat at every stage. 

The XXXX XXXX Police Department formally classified my case as Extortion ( California Penal Code 518 ) under case number XXXX, confirming the transactions were not voluntary. 

Requested CFPB Action : Require Coinbase to respond in writing and reopen my fraud report. 

Determine whether Coinbase followed required fraud monitoring and AML obligations. 

Evaluate Coinbases handling of rapid, high-risk transactions conducted under coercion. 

Coinbases failure to detect or act upon clear indicators of criminal exploitation enabled the total loss of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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 2025-11-20 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: GA

Complaint narrative:
I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my credit report immediately! Ive attached a copy of the report to this request.

Company response to consumer: Closed with explanation