vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Subject : XXXX misclassification of Visa tier and denial of rightful benefits What happened : In XXXX, I transitioned from XXXX to XXXX as instructed by XXXX beginning with a XXXX XXXX stake ( XXXX XXXX ), then upgrading with an additional XXXX XXXX  on XX/XX/XXXX, XXXX the XXXX XXXX  required for the XXXX XXXX XXXX XXXX XXXX tier. My XXXX lockup completed in XX/XX/XXXX, and I voluntarily kept the stake locked until XX/XX/XXXX. 

XXXX acknowledged my upgrade, deactivated my XXXX card, and issued a XXXX XXXX cardconfirmed in system emails and support correspondence. At no point was I informed that unstaking would retroactively revoke my tier. Their own XX/XX/XXXX communication said : You will continue to enjoy your card benefits based on your XXXX  Lockup tier. 

Despite that, they downgraded me to XXXX XXXX without warning, now claiming my stake can not be verified. I provided full transaction logs, platform policy emails, and XXXX support confirmations showing that : I met and exceeded the XXXX XXXX tier requirement They issued the Indigo card and deactivated the lower tier Their team failed to retain accurate records and reversed my tier without cause

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-26 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: NC

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
Recently, I reviewed my credit report and discovered several inaccuracies.

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.

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 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I rented a vehicle from XXXX XXXX XXXX XXXX During the rental period, I was involved in an accident that resulted in the vehicle being declared a total loss. 

At the time, I did not have personal auto insurance, but I had enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which serves as primary damage coverage in such cases. I promptly submitted a claim, and XXXX reviewed the damage and issued a payment based on their policy terms. 

Per the Description of Coverage, XXXX determines vehicle value using the NADA trade-in ( wholesale ) value, not the retail or actual cash value ( ACV ). They paid XXXX based on this standard and issued a release letter requesting XXXX to accept the payment in full satisfaction of the claim. XXXX refused to accept the release and instead billed me for the remaining balance of {$4800.00}. 

Critically, XXXX is now demanding the ACV of the vehicle ( {$30000.00} ). However, XXXX own internal repair estimate listed the damage at {$23000.00}, which is significantly less than the ACV they are pursuing. This discrepancy highlights a fundamental problem : XXXX made a business decision to total the vehicle, even though repair was possible and less costly. That decision should not result in higher personal liability for me. 

I am now being financially impacted due to a valuation dispute between XXXX and XXXX, despite having : Enrolled in proper coverage, Fully cooperated with both parties, Submitted all requested documents, And done nothing wrong. 

XXXX has since referred the balance to XXXX XXXX XXXX XXXX, who began collection actions as of XXXX XXXX XXXX. I have formally disputed the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

This dispute is not about non-payment or fault, but a result of two corporations using different valuation standards. I respectfully request the CFPBs help in resolving this matter, as I should not be held personally liable for a difference between what my insurance provider covers and what Enterprise subjectively deems acceptable especially when their repair estimate was lower than the ACV they are demanding.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
Im writing to demand the immediate removal of a fraudulent account that has appeared on my credit report. This account was opened without my knowledge or consent and is a direct result of unauthorized use of my identity. 

Let me be absolutely clear : I did not apply for, open, or authorize this account in any way, shape, or form. I have no affiliation with the company behind it, and Ive never had any communication or relationship with them. The presence of this account on my credit file is the result of identity theft plain and simple and it is both inaccurate and damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
This is my final attempt to correct the information with Equifax as it pertains to the identity theft that I have been a victim of. I have requested arbitration from Equifax with generic responses given. I have taken all the required steps for the removal of this fraudulent information to be removed from my credit report. The steps taken were notified all creditors, filed a police report which is attached, filed a report with the FTC ( Identity Theft.gov, monitored my credit for any new accounts or changes, removed fraudulent addresses that I have never been associated with. The following accounts are involved in my identity theft. Some accounts were removed only to be placed back in 45 days. Equifax is making it nearly impossible to recover from this criminal act that I was a victim of. If this can not be corrected, please tell me the legal steps to file suit against Equifax for reporting false information. The accounts are as follows : XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX, XXXX XXXX. This accounts need to be immediately removed per the Fair Credit Reporting Act. I have again attached all documents related to the reporting of the identity theft including police report, FTC report, a list of all accounts and identity information. There are also several credit inquiries that I never applied or authorized which include 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 non-monetary relief
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The original complaint ( XXXX ) did not address my concerns. The response failed to reflect the full scope of the facts and appeared to avoid the core issue I intended to raise. 

In XX/XX/year>, Wells Fargo advertised a promotion for the Premier Checking account, stating that new customers who deposited {$250000.00} in new money and maintained the funds in their Wells Fargo accounts for 90 days would receive a {$2500.00} bonus. I opened my Premier Checking account in response to this promotion on XX/XX/XXXX and completed the full deposit of {$250000.00} by XX/XX/year>. As of today, the 90-day requirement should have been satisfied, regardless of how the initial date is calculated. However, I have not received the {$2500.00} bonus, nor have I received any communication regarding its status.

As quoted in the response : " Bring {$250000.00} or more in new deposits to qualifying linked accounts by Day 45 and maintain at least a {$250000.00} balance through Day 90 after the account is upgraded or opened. '' This clearly indicates that the {$250000.00} balance requirement applies to the combined balance across all qualifying linked accounts, including checking, savings, and brokerage accounts. However, the explanation in the response I received only considered the balance in the checking account and ignored the balances in the other qualifying linked accounts, including saving and brokerage. 

Therefore, the response did not present a complete or accurate picture of the situation. As stated in the response : " If we receive additional information, we will open a new case to address any remaining or new concerns. '' Accordingly, I am submitting this new complaint.

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 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a denial notice from XXXX  for a loan application I never submitted. The reason given was that I had a previously declined application within the past 365 days. That original application occurred in XX/XX/XXXX and was already disputed due to inaccurate data from XXXX. 

I have not applied for any credit since XX/XX/XXXX, and I did not authorize XXXX  or any of its partners to resubmit my data. When I contacted XXXX, they acknowledged in writing that a profile may have been created through a third-party affiliate ( such as XXXX or XXXX XXXX ) within the last 3060 days. However, I have not interacted with any affiliate during that timeframe. 

I repeatedly requested in writing that XXXX  disclose the origin, date, and referral source of the application, as well as whether any credit inquiry was made. They refused to provide this information in writing and instead insisted I call them, avoiding a written record. 

This appears to be a case of unauthorized reuse of personal data, possibly automated through an affiliate matching system, resulting in a credit denial I never requested. I am requesting the CFPB investigate XXXX lead handling, data-sharing practices, and unauthorized profiling of consumers without fresh consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I made a purchase through XXXX XXXX  on XX/XX/year> for {$500.00}. They failed to deliver the package when they said they would. I spoke to the delivery company, " XXXX '' ( ontrac.com and tracking # XXXX ) on XX/XX/XXXX because they attempted to deliver my package on that day and said additional information was needed. I reached out to the company and confirmed the shipping address they had, and assured there were no gates, no gate code needed, and the driver should be able to walk out of his trucks and within XXXX steps, place the package on the porch. I also contacted the XXXX XXXX  ( XXXX ) company to advise of the issue I was having with their delivery company. The next delivery attempt was on XX/XX/XXXX. They exact same thing happened. I contacted the delivery company again and went over the same information. They assured me that all of the information was correct from the day before and they weren't sure on why there was an issue with my package not being delivered. I contacted XXXX XXXX  on XX/XX/XXXX and advised I no longer wanted the package seeing the package was going to be delivered back to them if the XXXX delivery attempted failed. I advised the company that I wanted a full refund. The rep told me that she was going to contact the dlv company to have them try to dlv it again. I advised her to just have them return it back to the company and refund my money. She said she could not refund me until she had the package. I advised that I would be filing a dispute because if they couldn't dlv the package to me, I'm not confident in believing they would dlv it back. I filed a dispute on XX/XX/XXXX with Bank of America through the app. It did not ask for the tracking number or any other detailed info that I can provide to show I do not have the package and did not receive the package. I called today XX/XX/XXXX to get a follow up on why I haven't at minimum, received a temp credit. I was told that I was denied the temp credit. I could not be told why I was denied the temp credit. According to the tracking number, the XXXX XXXX rep requested to have the package returned back to the company. The resolution I am looking for is that MY MONEY is returned to me and not within a XXXX day time frame. I would like the temp credit they offer to everyone else while they continue their investigation but I am owed my money and It shouldn't take 3 months to get it when the package is not in my possession. I'm also intrigues to know WHY was I denied a temp credit when it's clear I don't have this package.

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 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
On XX/XX/year>, I settled a debt with Harris and Harris for {$130.00} in accordance with an offer they mailed me. File Number XXXX Conf # XXXX. They said it would take 7-10 business days for me to get a receipt. 

On XX/XX/year>, I disputed the collections on my credit report for the wrong amount and deletion due to the settlement. 

On XX/XX/year>, I called back requesting a receipt because the 7-10 business days had elapsed. They told me I would get it in 3 days. 

On XX/XX/XXXX, Harris and Harris lied to XXXX stating that I owed {$150.00} on the debt, even though the account had been settled with conf # XXXX, which Harris and Harris stated when I called them. 

On XX/XX/XXXX, I called back because I did not receive the receipt, and I wanted to speak to a supervisor regarding the situation. They refused to let me speak to a supervisor and then said by the end of the day Friday. Under the Fair Debt Collection Practices Act I am entitled to a receipt!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Self Financial Inc.
State: FL

Complaint narrative:
XX/XX/year> Secure loans  I deputed to get account closed I need it to be removed of my credit reports. 
{$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-06-26 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: OH

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I neither authorized nor applied for and it might've been done online without my knowledge. These companies accessed my credit report without my consent, further impacting my credit standing. Despite contacting the credit bureau and being assured that these inquiries would be removed, they remain on my report, causing me ongoing stress and anxiety.

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