vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified one or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiries belong to me or were lawfully initiated. 
This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer 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 2025-08-02 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I would like to inform that I had transferred money XXXX times, from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) through online to the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the job opportunity in XXXXXXXX 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 
Bank name : Bank of America Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Routing Number : XXXX XXXX Purpose of Transfer : Services Rendered-Documentation fee. 

Transaction details : XXXX ) USD {$1500.00}, on XXXX XXXX. 
XXXX ) USD {$2900.00}, on XXXX XXXX. 
XXXX ) USD {$10000.00}, on XXXX XXXX Total Amount : USD XXXX XXXXXXXX Further to the transfer of above funds, theres no response from the above mentioned Immigration consultant, XXXX XXXX XXXX I have tried lot to contact him, but no answer. 

I directly communicated with XXXX XXXX XXXX XXXX XXXX, Bank of America and spoke with them. They asked me to communicate through XXXX XXXX XXXX BOFA. 

As advised by BOFA during last night conversation, Im sending this email to you and kindly requesting higher management of XXXX Bank to communicate with BOFA for the reversal of all above mentioned my transaction to my account at the earliest. 

If you require any more details regarding the above subject, kindly inform me.

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 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Yes, Im not sure how Affirm decides how disputes get resolved when Ive submitted documentation stating that I booked a car on XXXX and then cancelled that car and rebooked with a different car. The first loan should be cancelled but no Affirm received paperwork stating that I owe on both loans when one should be cancelled. The amount in question is {$640.00} Product ID XXXX Remaining Balance {$590.00} this loan shouldve been cancelled because I cancelled and rebooked with a different company on Host on XXXX XXXX Affirm shouldve terminated this contract. The other contract I have no problems paying since that trip was actually done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Exodus Movement, Inc.

Complaint narrative:
I used the Exodus wallet app to exchange cryptocurrency. The exchange was processed through a third-party provider called XXXX, which is integrated into the Exodus wallet interface. 

On XX/XX/year>, I sent [ XXXX XXXX ] to the specified exchange address. The transaction was successful and confirmed on the blockchain ( TxID : [ XXXX ] ). 

However, the exchange was never completed, and I never received the XXXX I was supposed to receive. It has been over 6 months since the transaction, and I have received neither a refund nor the promised assets. 

I contacted both Exodus and the provider XXXX, but the issue remains unresolved. Exodus was unable to provide meaningful support, and my funds remain lost. 

I believe this is a failure on Exodus ' part to properly control their integrations and exercise due diligence with regard to the third-party services they offer in their app. I request that Exodus either refund my funds or take full responsibility for this failed exchange transaction. 

Details : - Exchange provider : XXXX XXXX XXXX XXXX - Amount lost : [ {$8400.00} ] - TxID : [ XXXX ] - My wallet address : [ XXXX ] - Wallet address where the money went : [ XXXX ] - Order ID : [ XXXX ] XXXX also asks you to sign a document that will result in their removal and exodus of responsibility. I will attach a screenshot below. 
I also dare to assume that Exodus reveals people 's identities in this way, even though it positions itself as an anonymous wallet. 
Please help resolve the issue or refund the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
To Whom It May Concern : I am writing to dispute fraudulent inquiries that have appeared on my credit report. I am a victim of identity theft, and this letter serves as my formal request for the removal of these unauthorized entries. My personal information is as follows : Name : XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX, XXXX, Phone : XXXX, Email : XXXX. I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), and the report number is XXXX. The unauthorized inquiries I am disputing are : XXXX XXXX XXXX : Inquiry dated XX/XX/year>, and XXXX  XXXX : Inquiry dated XX/XX/year>. I confirm that I did not apply for any credit or services with Bank XXXX XXXX or XXXX XXXX on or around these dates, nor did I provide authorization for any entity to access my credit report for these purposes. These inquiries are a clear indication of fraudulent activity and are part of a broader pattern of identity theft that I am actively addressing. I request that you promptly investigate these fraudulent inquiries and remove them from my credit report. I have attached a copy of my FTC Identity Theft Report for your reference and verification. What would be a fair resolution to this issue? Thank you for your immediate attention to this serious matter. 
Attachments : FTC Identity Theft Report XXXX. XXXX, ID, XXXX, PROOF OF ADDRESS, FRESH CREDIT REPORT XXXX. 
XXXX XXXX XXXXXXXX : XXXX dated XX/XX/year>. 

XXXX. 
XXXX XXXX : XXXX dated XX/XX/year>. 

I confirm that I did not apply for any credit or services with XXXX  XXXX XXXX or XXXX XXXX on or around these dates, nor did I provide authorization for any entity to access my credit report for these purposes. These inquiries are a clear indication of fraudulent activity and are part of a broader pattern of identity theft that I am actively addressing. 

I request that you promptly investigate these fraudulent inquiries and remove them from my credit report. I have attached a copy of my FTC Identity Theft Report for your reference and verification. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX Attachments : FTC Identity Theft Report No. XXXX ID SSN PROOF OF ADDRESS FRESH CREDIT REPORT

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 2025-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX is not registered to XXXX, and I want decline their service. 

XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-08-02 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: AZ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XX/XX/XXXX - {$130000.00} Inquiries : XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2025-08-02 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: AZ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XX/XX/XXXX - {$130000.00} Inquiries : XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2025-08-02 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:
I've recently received a copy of my credit report and noticed several inaccuracies, unauthorized accounts/information, and addresses. Despite my effort to resolve directly with the credit agency it remains unresolved. I request immediate Investigation and removal of the listed items as they are incorrect and have been detrimental to my life and credit health. XXXX  : XXXX XXXX {$220.00}, XXXX XXXX {$240.00}, XXXX XXXX {$16000.00}, and XXXX XXXX XXXX {$15000.00} INVALID ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX. I have called all three credit reporting companies with no XXXX. Please refer to FTC report attached.

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 2025-08-02 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: GA

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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, my mother sent me {$520.00} from XXXX XXXX to my Chime account, but the deposit never reached my account. I contacted Chime Member Services several times through the app and by phone. I specifically requested a written update from the internal payments team regarding the status of the transfer. However, I only received automated replies, and no explanation or resolution has been provided. This delay is causing significant hardship, and I am requesting immediate escalation and a formal written update on the investigation and expected resolution timeline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX Balance : {$0.00} Late 120 Days DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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