vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: 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 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 non-monetary relief
Consumer complaint received 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information is heisted, and accounts are fraud and should be removed from my report immediately.

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 2025-04-18 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: TX

Complaint narrative:
XXXXOn Wednesday XXXX XXXX XXXX I paid the sum of $XXXX to XXXX XXXX XXXX XXXX  Reference/Confirmation # XXXX being the total amount owed them by me for their credit card Number XXXX XXXX XXXX. This paid off should have appeared on my credit report but it is still showing that I have past dues, late payment and owing them. This is not true.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
XXXXOn Wednesday XXXX XXXX XXXX I paid the sum of $XXXX to XXXX XXXX XXXX  vide Reference/Confirmation # XXXX  being the total amount owed them by me for their credit card Number XXXX XXXX XXXX. This paid off should have appeared on my credit report but it is still showing that I have past dues, late payment and owing them. This is not true.'

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 2025-04-18 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: WI

Complaint narrative:
My personal information was exposed in a data breach. There is one account and three inquires listed below that do not belong to me. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: WI

Complaint narrative:
My personal information was exposed in a data breach. There is one account and three inquires listed below that do not belong to me. 

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 2025-04-18 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
This is a formal rebuttal to ChexSystems response to my original complaint. Their reply is non-responsive to the central issue : the presence of harmful or inaccurate information in my file that has directly prevented me from opening bank accounts or cashing checks. 

ChexSystems claims that they do not approve or deny accounts, but this statement evades accountability. Financial institutions rely on the information ChexSystems reports to make risk-based decisions. Therefore, ChexSystems reporting has a material effect on consumer access to financial services. 

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to : 1.Dispute any information that is inaccurate, outdated, or unverifiable ( 15 U.S.C. 1681i ) 2.Request a full consumer disclosure including the sources and recipients of my consumer data ( 15 U.S.C. 1681g ) 3.Seek deletion of any data that can not be verified within 30 days ChexSystems response failed to : Acknowledge whether any negative or derogatory information exists in my file Confirm the source of such information or furnish evidence of its accuracy Demonstrate that any reinvestigation has been or will be conducted Provide a consumer disclosure or assist in clearing my record I have submitted a separate written dispute directly to ChexSystems as they instructed, but I request that this CFPB complaint remain open and under review until : My dispute is resolved My file is corrected and/or cleared I receive a formal response with supporting documentation Failure to investigate and resolve these concerns in compliance with federal law could warrant further legal and regulatory action. 

Thank you for your continued assistance. 

Sincerely, 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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo credit card to be pay in full Check was sent by XXXX XXXXXXXX XXXX XXXX. 
Wells Fargo received check in XX/XX/XXXX. 
Check was never accredited to my account. 
I call around 8 times or more And they always said same answer. 
Never received the check. 
Also, XXXX XXXXXXXX XXXX XXXX Open an investigation on XX/XX/XXXX And they said Wells Fargo do not want to cooperate.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my final attempt to dispute inaccurate and previously deleted information that has been unlawfully reinserted into my credit report by TransUnion. The account in questionXXXX XXXX  ( XXXX ) was already removed after being found unverifiable. Despite that, TransUnion has chosen to reinsert and continue reporting it, in blatant disregard of federal law and my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ), TransUnion is required to conduct a reasonable reinvestigation within 30 days of receiving a dispute. Despite multiple disputes submitted, I have not received any documentation verifying this account, which constitutes a violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Additionally, the reinsertion was done without proper certification and without providing the mandatory 5-day written notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

This also violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. It is unacceptable that TransUnion continues to report this account, as this account is not reported by Experian, and the information reported by TransUnion differs from what Equifax is reporting.

The fact that TransUnion is still reporting this account demonstrates either gross negligence or willful non-compliance with the FCRA. This continued inaccuracy has caused emotional distress and financial harm.

I am demanding the immediate and permanent deletion of this account. If TransUnion fails to comply, I will pursue statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ).

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest from a previous complaint agreed to send a correction letter into the 3 credit bureaus. This letter was supposed to fix my payment history for XXXX 2025 to current instead of 30 days late. 

My credit scores took a XXXX point hit due to this late payment being reported. It is affecting me greatly as I am not able to utilize my credit as it shows low scores currently. 

Bridgecrest stated they sent in the letter on XX/XX/XXXX to the bureaus and it has been longer than 60 days and it is still not corrected. Bridgecrest sent me a " confirmation letter '' that they have instructed the bureaus to show that over the last 24 months to mark that I have been 7 times 30 days late, 2 times 60 days late, and 0 times 90 days late. This confirmation letter they sent to me doesn't say ANYTHING specific about fixing the XXXX payment history in 2025. I have requested to receive the letter from them that they sent to the bureaus and they REFUSE to give it to me. Bridgecrest told me it should or could take 30-60 days and the credit bureaus are stating they haven't received the correction letter. I have disputed this at least 3 times with each credit bureau and they always close my cases saying that the investigation is complete and the " data furnisher " is stating that the information on my credit report is correct. 

There is no way the bureaus are contacting Bridgecrest because I am sure they would tell them to fix the XXXX payment history. Also I don't believe Bridgecrest sent them in the correction letter because it should have been fixed by now. 

I am at the point if I can't get the actual correction letter stating to specifically correct XX/XX/scrub> 2025 payment history from Bridgecrest I am going to hire a lawyer and XXXX Bridgecrest and the credit bureaus for violating the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for failing to remove a fraudulent and inaccurately reported XXXX XXXX account ( XXXX ) from my credit report, despite having submitted a full identity theft claim in accordance with FCRA 605B.

The account was disputed with : An FTC Identity Theft Report, Proper ID and proof of residence, A signed statement denying authorization.

TransUnion did not block or remove the account and never disclosed any verification method. More importantly, the account is reported with significant factual errors and inconsistencies, in violation of 1681e ( b ). Among them : The accounts status and balance vary between bureaus ; The reporting falsely reflects that I am liable, damaging my credit reputation ; The entry remains even though no verification or contract has been provided.

This inaccurate data is materially misleading, particularly because it is being reported in contradiction to documented evidence of identity theft.

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 2025-04-18 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:
This complaint is not a mistake. There are serious inaccuracies on my credit report that are causing ongoing harm to my life and financial well-being. Im asking for these errors to be corrected or removed as soon as possible. These are difficult times, and fixing this issue would make a meaningful difference for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been receiving text messages from Coinbase saying that theres been attempts to sign into my account. I do not nor have I had an account with Coinbase. I tried to reach out to Coinbase several times via their virtual chat and by calling the phone number, but they do not give an option to speak with somebody unless I sign in given that I do not have an account or any login information. I am unable to do so. I am concerned that my name and information is being involved in a scam and part of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 EQUIFAX DATA 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. 

Account Name XXXX XXXX XXXX XXXX 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 2025-04-18 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: OH

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXXC Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX {$4100.00} Open Date XX/XX/XXXX XXXX Balance {$1800.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX IN XXXX {$460.00} Open Date XX/XX/XXXX XXXX XXXX {$340.00} Open Date XX/XX/XXXX Inquiries XXXXXXXX XXXX Date XXXX XXXX, XXXX XXXX Date XX/XX/XXXXXXXX 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 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: NE

Complaint narrative:
On XX/XX/year> I received a call from a number XXXX being very threatening in regards to an old debt that was taken off of my credit file as it was past the Nebraska statute of limitations on debt reporting. Just this morning along Ive received 4 calls about this matter in a very short time. The person on the phone left a very threatening voicemail and never once stated who they were or what business they were from. They said it was about a legal matter in their office but didnt provide much information. A XXXX search provided they are from XXXX XXXX  in South Dakota. The phone number where I was told to call was XXXX. I do have a voicemail and transcript I can provide if needed. I do believe their tactics do not align with trying to collect the debt legally.

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 2025-04-18 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Company XXXX XXXX Dispute Case ID-XXXX XXXX Date XX/XX/year> XXXX XXXX XXXX  sent a letter letting me know about a deposit of {$4400.00} Called the same week to XXXX XXXX company and they let me know that they had an account under my name and a debit card was activated and all funds withdraw I let them know that I have never received the card and I did not withdraw any funds after several disputes and calls they have not resolved the issue, I went to the police and did a police report XXXX XXXX XXXX report : XXXX I asked for proof of who or where I was able to authenticate my info so the withdraw can take place. I received a letter stating a date/time and telephone number of who called to validate my information. However, this is a lie. The number listed is for my brother in law. I can provide copies of the document received as well as my brother in laws cell phone records that can prove that he made NO call on the alleged date that XXXX XXXX states My information is not safe with this company and my money was stolen XXXX XXXX said that they emailed me requesting a copy of the police report, I have never received an email from XXXX XXXX requesting this information. I am attaching the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I was scammed out of {$200.00} on cash app and tried to cancel it immediately. Other party accepted the money and ran. I couldnt find any way to contact the company to cancel or refund money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Legal basis : 1 : Under the Equal Credit Opportunity Act ( ECOA ), financial institutions are prohibited from discriminating on the basis of gender identity, and this incident falls under the category of sex discrimination. And, 2 : The Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), as this case involves a harmful and deceptive modification of my account that was not requested, and which leveraged a power imbalance between institution and consumer. 

Hello, I requested a preferred name accommodation with XXXX XXXX in XXXX, because the name on my account does not match my gender identity. I was told by a representative that they could not change my display name unless I legally changed itsomething other banks are often able to accommodate with less rigid policies. 

Shortly after this denial, I noticed that my account display had been changed to include the prefix XXXX XXXX XXXX I never requested. This prefix then appeared on my online account, mail communications and on my newly issued debit card. I never authorized the addition of this title, and it is not reflective of how I identify. The addition felt retaliatory and targeted, especially after my request for preferred name acommodation was dismissed. 

I contacted the bank again, on XX/XX/XXXX, and they confirmed that they had manually added XXXX as my title, despite my earlier request to avoid gendered language. This caused significant emotional distress and left me feeling dehumanized and unwelcome as a customer.

Company response to consumer: Closed with explanation