vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
[ XXXX XXXX ] XXXX XXXX XXXX XXXX, NC XXXX Phone : [ XXXX ] Email : [ XXXX ] Date : [ XXXX ] To : [ Equifax XXXX Experian XXXX TransUnion choose one per letter ] [ Address of Credit Bureau see below ] Subject : Dispute of Inaccurate Charge-Off Entry Under FCRA XXXX XXXX Account Ending in XXXX Re : CFPB Complaint # XXXX I am writing again to formally dispute the inaccurate information that is appearing on my credit report in relation to an account held with XXXX XXXX XXXX XXXX ( SECU XXXX XXXX The account in question is a XXXX  Salary Advance Loan ( SALO ), ending in XXXX, which XXXX has reported as charged-off and 120 days delinquent as of XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], I am exercising my right to dispute inaccurate and incomplete information. According to correspondence I received directly from XXXX dated XX/XX/year>, XXXX acknowledges that while the account is accurately being reported as unpaid and charged-off, the account is incorrectly listed as 90 days delinquent for the month of XX/XX/year>. 

This is inaccurate and misleading. XXXX confirmed that they submitted a correction to the consumer reporting agencies so that the record reflects 120 days delinquency for XX/XX/year>, not 90 days. The current reporting does not reflect this correction and is therefore not consistent with SECUs own records. 

Accordingly, I am requesting that your agency : XXXX. Investigate this account and verify the accuracy of the reported delinquency and charge-off dates. 
XXXX. Update the tradeline to reflect accurate information, as confirmed by the creditor ( XXXX  ). 
XXXX. Provide me with written confirmation once the investigation has been completed and the file has been corrected or verified. 

In support of my dispute, I have attached a copy of SECUs letter dated XX/XX/year>, which confirms the reporting discrepancy and the corrective steps taken by the creditor. 

Please be advised that under FCRA 1681i ( a ) ( 1 ), you are required to conduct a reasonable investigation of my dispute and respond within 30 days. If this information can not be verified, it must be promptly deleted from my credit file. 

Thanks for your attention to this matter. I look forward to receiving confirmation of the resolution of this dispute. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies XXXX XXXX XXXX  ; processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies XXXX XXXX XXXX  ; processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the 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
Consumer complaint received 2025-07-22 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: JPMORGAN CHASE & CO.
State: CT

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 explanation
Consumer complaint received 2025-07-22 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$800.00} Status : Open Nature of Dispute : No verified contract, no wet-ink signature, and no full accounting provided. Metro 2 format not followed for open derogatory tradeline.

JPMCB Card Date Opened : XX/XX/XXXX Balance : {$5100.00} Status : Open Nature of Dispute : Late payments reported without proper validation or consumer acknowledgment of debt. Not compliant with Metro 2 guidelines.

SYNCB/Care Credit Date Opened : XX/XX/XXXX Balance : {$710.00} ( Past Due : {$98.00} as of XX/XX/XXXX ) Status : Open Nature of Dispute : Inaccurate reporting of delinquency. Past due reflected without lawful notice or right to cure. Violates FCRA 607 ( b ). 

XXXX XXXX  XXXX Credit Date Opened : XX/XX/XXXX Balance : {$440.00} ( Past Due : {$66.00} ) Status : Open Nature of Dispute : Reporting errors and failure to provide full documentation under 15 USC 1692g and Metro 2 Compliance standards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is the second formal complaint with the CFPB against Wells Fargo Bank regarding a dispute that I filed with my bank for a transaction with the merchant TransLA for luxury limousine services on XX/XX/year> in the amount of {$6400.00}. I submitted all required supporting documentation in a timely manner to support my dispute. However, the bank denied my dispute for reasons unrelated to me. The bank did not adequately address the evidence I provided stating that the copy of the printed email I included as supporting documentation lacked a logo or watermark. I find it concerning that the bank is holding me accountable that the merchant does not design their emails in accordance with their standards. At the time of the dispute, I included the invoice receipt, the refund receipt as well as a printout of the email sent from the merchant promising a full refund. I also attempted to contact the merchant directly on numerous occasions but the merchant has been unavailable and unwilling to assist me. As a result, neither the bank nor the merchant has taken accountability and I have been left financially harmed. I believe this situation has not been handled in compliance with consumer protection laws and I am respectfully requesting CFPB to review and intervene.

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 2025-07-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
XXXXCredit Collection ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI am disputing the entire debt of $XXXX. I request that this matter be resolved. I did not renew my contract after three years of XXXX XXXX XXXX in writing, nor did I sign a new contract with XXXX  stating that I wish to continue as a customer. In fact, I was informed by an XXXX  XXXX  representative that I would receive reimbursement. \n\nIn short, I believe this is a retaliation effort to make me pay for canceling their services over the telephone. \n\nMoving forward, I will contact the consumer credit bureau regarding financial fraud. No new XXXX XXXX XXXX contract was issued in XXXX. Please remove this debt immediately!\n\nSincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MI

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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited into my Bank of America personal checking account a Cashier 's check in the amount of {$8600.00}. Bank of America put a hold on the entire fund until XX/XX/year> for no clear reason ; I called their customer support and they were not able to provide a reason. The hold was eventually released on XX/XX/year>. I believe Bank of America illegally held my fund for several days without any reason. The cashier 's check are meant to be Guaranteed without any holds ( i.e. like cash ). The issuing bank of that cashier 's check was also Bank of America. My checking account is around XXXX XXXX XXXX and the account is always well funded. I would like CFPB to find out if bank of America held my fund outside the bounds of the governing laws.

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
On XX/XX/year>, two incorrect XXXX XXXX XXXX Fill transactions appeared in my Coinbase account : XXXX XXXX  and XXXX XXXX. I did not authorize or initiate these trades. They are now included in my transaction history and tax report, creating an inaccurate record of my activity that affects my tax reporting. 

I contacted Coinbase support and received response ticket # XXXX. Later, I received a message from Coinbase via CFPB acknowledging the issue and offering {$50.00} as compensation. However, the underlying issue was not resolvedthe transactions remain in my history and tax report. 

I emailed Coinbases regulatory response team directly ( at the address that responded via CFPB ), clearly stating that I do not accept the {$50.00} credit and that I am requesting the inaccurate transactions be investigated and corrected. As of today, I have not received any response to that email, and the issue remains unresolved. 

I am not asking for compensation. I am requesting Coinbase correct my transaction history and tax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I checked my recent credit report and noticed multiple accounts that do not belong to me and are hurting me moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I checked my recent credit report and noticed multiple accounts that do not belong to me and are hurting me moving forward.

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 2025-07-22 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-22 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-07-22 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: WA

Complaint narrative:
My credit is extremely important to me, and I have a genuine concern regarding the inaccurate information currently appearing on my credit report. These inaccuracies are causing ongoing stress and are directly impacting my ability to obtain new credit.

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 2025-07-22 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: IL

Complaint narrative:
There are three unauthorized accounts from XXXX XXXX and one unauthorized account from XXXX XXXX reporting on my credit profile. I did not apply for credit with either of these companies and did not open any of these accounts. They were opened without my knowledge or permission. 

Additionally, there are multiple unauthorized hard inquiries listed on my credit report from companies Ive never applied with. These inquiries are damaging my credit and were made without a valid permissible purpose. 

I took the following steps : Filed a fraud report with the FTC ( IdentityTheft.gov ) Submitted dispute letters to Experian, Equifax, and TransUnion Included my government-issued ID and proof of address Attached the dispute letters and FTC report to this complaint Despite this, the accounts and inquiries have not been removed and I have not received a proper investigation or resolution. I am asking the CFPB to step in and help me have these unauthorized accounts and inquiries permanently deleted under 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 explanation
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are three unauthorized accounts from XXXX XXXX and one unauthorized account from XXXX XXXX reporting on my credit profile. I did not apply for credit with either of these companies and did not open any of these accounts. They were opened without my knowledge or permission. 

Additionally, there are multiple unauthorized hard inquiries listed on my credit report from companies Ive never applied with. These inquiries are damaging my credit and were made without a valid permissible purpose. 

I took the following steps : Filed a fraud report with the FTC ( IdentityTheft.gov ) Submitted dispute letters to Experian, Equifax, and TransUnion Included my government-issued ID and proof of address Attached the dispute letters and FTC report to this complaint Despite this, the accounts and inquiries have not been removed and I have not received a proper investigation or resolution. I am asking the CFPB to step in and help me have these unauthorized accounts and inquiries permanently deleted under 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 explanation