vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I purchased bitcoin from my coinbase app using the same payment method I always use. The app will tell you if you can trade AND transfer your crypto instantly or if you can only trade instantly on the coinbase app but you can not withdraw your crypto off coinbase for XXXX days. The app did not say there would be a XXXX day hold. All it said was " Available to trade/transfer instantly ''. Had it said there would he a hold for XXXX days, I would not have purchased as I needed to move the crypto the same day otherwise I would have used another company. After purchase went through, I get an email saying it will be 5 days until I can transfer my crypto. The app also would not let me transfer. I spent an hour on live chat support and they would not escalate me to a supervisor nor would they refund or release the hold. Just kept saying it's normal guidelines and I have to wait 5 days. I open another support ticket for a live call that took another hour and I recorded the last XXXX minutes. They escalated to a higher legal team and ultimately denied to refund the transaction or release the hold. During the call I wanted to test the app again by setting up an identical transaction and it once again said " available to trade/transfer instantly ''. I have a screenshot of this. I did not purchase again because I did not want another transaction on hold for 5 days. This feels very deceptive and misleading. Much like a bait and switch tactic. Very concerning on a volatile asset like bitcoin where the value 5 days from now is very unlikely to be the same as it was at time of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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: Park Hill Holdings
State: TX

Complaint narrative:
I recently discovered that SafeRent Solutions , LLC is maintaining and distributing tenant-screening data associated with my identity without my authorization, without a permissible purpose, and in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I have filed an official FTC Identity Theft Report # XXXX, which legally establishes that my personal information was used, furnished, or transmitted without my consent. 

Because I never applied for any rental, housing, leasing, tenant inquiry, or background screening that would authorize SafeRent to obtain or process my information, all data held by SafeRent is unauthorized, unverifiable, and the result of identity theft as defined by FCRA 603 ( q ).

SafeRent is currently storing, transmitting, and potentially distributing my data to landlords, rental platforms, and affiliated decisioning systems without a lawful permissible purpose under FCRA 604 ( a ) and without my consent. 

This constitutes illegal data furnishing and unlawful consumer reporting activity. 

I am submitting this dispute alongside my FTC Identity Theft Report, which triggers mandatory FCRA protections and requires immediate blocking and deletion of this unauthorized data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
In 2018 I bought a mattress at XXXXXXXX XXXX but before that I had paid on time a previous account and still owed a {$1000.00} so I bought a XXXX XXXX XXXXXXXX mattress for {$2000.00} and got a free TV. 30 days later I got the payment booklet in the mail for {$6000.00} XXXXXXXX XXXX  added {$3000.00} of add on 's that I did not authorize and I hate to be cheated so I never made one payment Jefferson Capital has had {$4400.00} on my credit for years. See attached letter please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
There was a check deposited in my account remotely. The bank is trying to hold me accountable for a check i don't have any knowledge. The check have my name on it, I don't even know these people and the money was withdrawn right after. This happened on XX/XX/XXXX. I never received any notifications and the bank should of never release these funds. This is a XXXX check. I don't have XXXX XXXX dollars. The bank needs to go after whoever did this. They never contacted that company or anything. I don't know anyone in New York, never been to New York. I work two jobs, living paycheck to paycheck. I am a XXXX  XXXX. Please research.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am submitting to formally dispute multiple inaccuracies on my credit reports across Experian, Equifax, and TransUnion. Specifically, the reporting of my late-closed accounts is inconsistent and incorrect. XXXX XXXX XXXX XXXX XXXX, with a reported balance of {$0.00}, appears as an open account in Experian despite being closed, and similarly tied-up in TransUnion under account XXXX, also showing a balance of {$0.00}. Additionally, XXXX XXXX XXXX XXXX XXXX, showing a {$0.00} balance with late XXXX payments in XXXX, XXXX, and XXXX of XXXX, is incorrectly reported as an open account on Experian and TransUnion. These errors violate FCRA 623 ( a ) ( 2 ) Duty to Correct and Update, 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccurate Info, and 605 ( a ) Obsolete Information, as these accounts should have been reported accurately as closed with correct payment history. I request immediate correction to reflect the true status of these accounts and update any outdated or misleading information, ensuring full compliance with FCRA 609 Right to Full Disclosure. 
Further, the reporting of charge-off accounts by XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$5900.00}, is inconsistent and misleading. Experian lists the account as open with the last activity dated XX/XX/XXXX, while Equifax shows a last activity of XX/XX/XXXX, indicating the account status as open but currently charged off. TransUnion similarly reports the account as open with the last activity XX/XX/XXXX, yet marked as charged off. These discrepancies violate FCRA 623 ( a ) ( 2 ), 611, and 15 U.S. Code 1666 Correction of Billing Errors, as the accounts actual status and payment history are inaccurately reflected across the credit bureaus. I am requesting a full reinvestigation of these accounts, verification of the charge-off status, and correction of any inaccurate reporting to ensure the information accurately represents my true credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my credit reports across Experian, Equifax, and TransUnion. Specifically, the reporting of my late-closed accounts is inconsistent and incorrect. XXXX XXXX XXXX XXXX XXXX, with a reported balance of {$0.00}, appears as an open account in Experian despite being closed, and similarly tied-up in TransUnion under account XXXX, also showing a balance of {$0.00}. Additionally, XXXX XXXX XXXX XXXX XXXX, showing a {$0.00} balance with late XXXX payments in XXXX, XXXX, and XXXX of XXXX, is incorrectly reported as an open account on Experian and TransUnion. These errors violate FCRA 623 ( a ) ( 2 ) Duty to Correct and Update, 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccurate Info, and 605 ( a ) Obsolete Information, as these accounts should have been reported accurately as closed with correct payment history. I request immediate correction to reflect the true status of these accounts and update any outdated or misleading information, ensuring full compliance with FCRA 609 Right to Full Disclosure. 
Further, the reporting of charge-off accounts by XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$5900.00}, is inconsistent and misleading. Experian lists the account as open with the last activity dated XX/XX/XXXX, while Equifax shows a last activity of XX/XX/XXXX, indicating the account status as open but currently charged off. TransUnion similarly reports the account as open with the last activity XX/XX/XXXX, yet marked as charged off. These discrepancies violate FCRA 623 ( a ) ( 2 ), 611, and 15 U.S. Code 1666 Correction of Billing Errors, as the accounts actual status and payment history are inaccurately reflected across the credit bureaus. I am requesting a full reinvestigation of these accounts, verification of the charge-off status, and correction of any inaccurate reporting to ensure the information accurately represents my true credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
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 XXXX 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 2025-11-17 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
b'I am submitting this complaint to formally dispute multiple inaccuracies on my credit reports, as reporting from several creditors is incomplete, inconsistent, and, in many cases, entirely false, and I am requesting a thorough reinvestigation under my rights provided by the Fair Credit Reporting Act, including 602, 604(a)(3), 605(a), 607(b), 609, 611, 623(a)(1)(A), 623(a)(2), 623(b), and 15 U.S. Code 16661666a; specifically, XXXX XXXX XXXX XXXX XXXX is reporting a XXXX  balance with a 30-day late payment across TransUnion, Experian, and Equifax despite my timely payments, violating FCRA 623(a)(2) and 623(b) for failure to update and investigate disputed information; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are showing XXXX  balances with 30-day late payments across all bureaus, which is false and obsolete, contrary to FCRA 605(a) and 607(b), creating undue harm to my credit profile; XXXX XXXX XXXX XXXX reports multiple late payments including 30, 60, 90, and 120 days between XXXX XXXX XXXX XXXX XXXX inconsistently across the three bureaus, violating FCRA 611 and 623(a)(2), and XXXX XXXX XXXX XXXX XXXX  is reported as a XXXX  charge-off incorrectly tied to an open account, failing to meet FCRA 623(a)(1)(A) and 623(b) requirements for accuracy and investigation; throughout this process, I have maintained my obligations, yet these repeated errors misrepresent my creditworthiness and cause significant XXXX, and under FCRA 609, I am entitled to full disclosure of supporting documentation, which I request you verify with XXXX XXXX XXXX XXXX XXXX XXXX to correct or delete any information that cannot be fully substantiated, while also ensuring compliance with 15 U.S. Code 16661666a regarding prompt investigation and resolution of billing errors.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist is reporting XXXX XXXX late payments inaccurately. I requested verification and supporting documentation from Truist, and they failed to provide it. The account was paid and active, and these late payments are being reported incorrectly and without proper validation under the FCRA and FCBA. These inaccurate late payments are harming my credit profile, and Truist has not provided any proof that the reporting is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My personal information., phone numbers, mortgage info etc. were mailed by my bank to a stranger in 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