vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have continually tried to deal with Equifax XXXX XXXX department regarding access to XXXX and and allowing financial institutions to access my consumer report as well. This has not been rectified. It seems after I submitted the requested documents such as SS Card, Drivers License, on XXXX different occasions, the access to the report is restored. After about XXXXXXXX XXXX  the report again goes offline and neither I, nor the financial institutions have access to my consumer report. When the financial institution requests the report, it indicates " Referred File ''. The Institutions who have contracts with Equifax that we do business with are canceling their contracts with Equifax as a result of this conduct by Equifax and its employees. 

I have had nearly XXXX phone calls with Equifax XXXX XXXX department to no avail. They give me no information whatsoever to resolve the error. I email the same documents they request every time I call in to Equifax .. Again, to no avail. They have effectively blocked access to my own report in violation of the FCRA. They have blocked access to financial institutions to effectively request and review my personal consumer report in violation of the FCRA. Equifax has also in passing made accusations towards me for disputing information on my report. This too, in violation of the FCRA and its well established provisions. This is an astonishing course of conduct by a company who is known for data breaches and massive FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section XXXXB and Section XXXXrequires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions XXXX platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within XXXX calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : XXXXFile formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 

XXXXInitiate legal action for your violations of FCRA Section XXXX and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-28 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: AL

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I am writing to file a formal complaint against Experian, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for failing to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I submitted a dispute to Experian concerning inaccurate information appearing on my credit report. Under the FCRA, Experian is legally obligated to conduct a reasonable reinvestigation of disputed information within 30 days. However, Experian failed to properly investigate my dispute. I have not received sufficient documentation, evidence of investigation, or the required Method of Verification ( MOV ) explaining how they verified the accuracy of the disputed information.

As a result of Experians failure to act in accordance with federal law, my consumer rights have been violated, and the incorrect information continues to cause harm to my creditworthiness. 

I respectfully request that the CFPB investigate this matter thoroughly. Additionally, I ask that Experian be instructed to : Conduct a proper reinvestigation of the disputed information Provide full documentation and verification of the reinvestigation process Correct or remove any unverifiable or inaccurate information from my credit file Thank you for your time and attention to this urgent matter.

Experian mailed me a letter for the second letter stating that the dispute doesn't seem to have come from me and that they didn't investigate the matter at hand. I am beyond tired of this! I have sent proof of my driver 's license, address and social to verify who I am along with the dispute to all three major credit companies. I also sent it to the smaller reporting companies. This isn't fair at all. I am XXXX and my information was stolen. I have filed every report that I needed and i also sent that in to the credit companies. I also sent proof that i wasn't late on one of my bills and they are yet to get it resolved. This is hurting 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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
They froze my account cause of a complaint from a customer telling you they didn't receive there product when in fact they did not just once or twice but 3 times I think it summed up to around XXXX in money that only cost me cause I bought what the wanted in crypto and sent it back to them in crypto currency and yall froze those funds so it ended up just costing me and coming out of my pocket. Not to mention when I brought it up they said i wasn't complying with there guidelines and too after taking my money closed the account for what besides receiving and sending money inwhich I thought PayPal was made for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Hi there, Good afternoon! I hope this message finds you well. After weeks of XXXX, XXXX, and reading XXXX XXXX XXXX Im finally reaching out for help. Im new to all this credit stuff, but Im XXXX you can assist me. Ive attached a PDF of my FTC Identity Theft Report ( see attachments ) and other proof. Heres my situation : What Happened : Im a victim of identity theft and the 2017 XXXX  data breach ( who knows what else! ). 

Fraudsters opened accounts in my name, including : LVNV FUNDING LLC XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) ( Ive NEVER had these accounts! ) These shady debt collectors keep harassing me 10+ times a week calls, threats, you name it. They refuse to validate the debt, hang up on me, and waste hours of my life on hold. 
They Have the WRONG Info : The address theyre using? Not mine. I lived nowhere near whats on their records. 

I suspect someone XXXX XXXX or exploited my Social Security number. This XXXX chaos is now ruining my life. 

They Cant Validate the Debt : Ive asked for proof multiple times ( signed contracts, etc. ) crickets. Its been over 20 days with no response. 

My Credit is Tanking : I got denied for a credit card recently. XXXX why, watched XXXX tutorials, and boom found these fake accounts. 
Block these fraudsters from contacting me again. 
Attached Proof : FTC Identity Theft Report Letters I mailed to all 3 bureaus ( with dates ) and also this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.
State: NC

Complaint narrative:
Attempted to deposit check. 
Received email from Compliance branch to provide documentation to verify check amounts and transaction legitimacy. 
I provided the required documentation and was approved for an increase in check deposit amount to accommodate check. 
I attempted to deposit check after receiving approval. 
Mercury did not allow deposit of check ( XXXX attempts ) after providing approval to deposit. 
Mercury then blocked access to bank accounts and has not responded in XXXX business days. 
I have no access to my funds and have received no communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I deposited funds into my Coinbase account and transferred them to my XXXX XXXX. After the transfer, my account was immediately placed under Restricted status without any warning. 
I am unable to access, trade, or withdraw my funds. 
Coinbase agents confirmed that U.S. users are not permitted to use the XXXX XXXX, but the system still allowed my funds to be transferred there, causing them to be locked. 
Despite contacting support multiple times and submitting a formal complaint through Coinbases system, no resolution has been provided, and no clear timeline was given. 
My funds have been unlawfully restricted for more than XXXX weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 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: OK

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MS

Complaint narrative:
The address listed on my credit report is fraudulent. Ive never lived in New York. I also have never created any debt with XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I am filing a complaint against Citi XXXXXXXX XXXX regarding a mishandled billing dispute on my credit card account. 

On XX/XX/XXXX, I disputed a transaction in the amount of {$82.00} with the merchant XXXX XXXX XXXX XXXX XXXX XXXX posted on XX/XX/year>. This charge relates to a traffic fine that the rental company charged directly to my credit card without consulting me and without it being disclosed in the original rental agreement. 


Initially, I incorrectly categorized the dispute ; however, upon realizing the mistake, I promptly submitted a corrected dispute under the correct reason ( " Billing Dispute '' ). 

Despite my good faith efforts to correct the dispute, Citi XXXX XXXX declined the dispute without recategorizing the charge, violating the Fair Credit Billing Act ( XXXX ). 

Specifically, the bank failed to : Conduct a proper investigation. 

Provide adequate explanation and evidence supporting the denial. 

Correctly honor my right to dispute an inaccurate billing. 

I am requesting that Citi XXXXXXXX XXXX immediately refund the full amount of {$82.00} to my account. 

I expect a prompt resolution to this issue. 
If necessary, I am prepared to pursue further legal remedies, including small claims court and arbitration. 

Attached are supporting documents, including transaction records and my communication history. 

Thank you for your assistance.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I got my credit report in XXXX of XXXX and noticed some accounts that were not mine. I also noticed addresses on my credit that I didn't recognize nor did I ever live their or been in association with. I contacted such companies for them to send me all original copies of the accounts with names and addresses included. I provided them with all my credentials such as ID, proof of address ( utility Bill ) and a police report providing that I have had my identity stolen. I never received any correspondence. I began to keep monitoring my credit report and i kept seeing more things pop up that weren't mine. I then sent the same information to the Credit bureaus ( Experian, Equifax, TransUnion ) on XX/XX/XXXX, I have yet to hear back from them it's coming on XXXX days and I want to escalade this process. This has been very devastating for me as I have not been able to get approved for anything not even credit cards for years. This is affecting my whole life and its not okay. Someone please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I received an offer for a promotion to open a new checking account with Morgan Stanley/E * TRADE. On XX/XX/XXXX, I received an email saying that to receive my {$250.00} cash bonus, I needed to set up direct deposit with a certain minimum amount, ensure that I received those within the next 90 days, and fund the account within 30 days of account opening. 

I did all of these things. On XX/XX/XXXX, I received an email saying " Congratulations! Based on your recent direct deposits into your new checking account, you've met the preliminary qualifications and are on track to receive a {$250.00} cash bonus. '' There was no further communication from E-Trade until XX/XX/XXXX, when they told me that " unfortunately your account did not meet the offer requirements to qualify for the cash bonus. '' However, this was false, as I did meet all of the requirements, as they told me in XXXX. After calling customer support, several weeks of delay, another email on XX/XX/XXXX that offered no new information, another call to customer support where they promised to call me back and never did, and another call to customer support today, I was finally told that they rescinded the offer because they felt like I was being " abusive '' and was not using the account in good faith. 

This is also not true. I opened the account because they offered this bonus. I fulfilled all the requirements that they laid out in the original offer. I kept the account open and in good standing, and had no plans on closing or " abusing '' the account. The company 's actions make me extremely distrustful of anything they have to say, or any future offers or promotions that they may send me. In addition, I have substantial holdings with the company, which I am now considering transferring to another financial institution. 

All I want is for the company to honor their original offer, and their promise to fulfill that offer that they made me in XXXX. By denying my checking account bonus, Morgan Stanley has engaged in false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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