vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: WA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-24 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: NJ

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 2025-07-24 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Coinbase.com I Originally opened a Coinbase account when the app first came out. I had my account on my phone and when I looked back at my account not too long ago the account was wiped clean and all I had was the Coinbase wallet but not my coinbase.com account which held {$250.00} roughly in it Now all I have is a Coinbase wallet with about {$25.00} in it that I had linked to my original coinbase.com account when I try to recover my old coinbase.com account they talk me into making a new coinbase.com account which I did but the funds from my original account are not in the new account and like I said, I have earned a lot of Points from their earning rewards and had stock in my account of about {$250.00} the last time I checked, so more importantly what Im trying to say is that my stocks may have increased and I am owed more money, but I can not recover my account with Coinbase and I am very upset. Please try to help me. My name is XXXX XXXX and I joined Coinbase after the pandemic. I used my unemployment money to open this account. It was all that I had and I thought this would be a legitimate bank to do business with and to invest some investments because I liked the way its hot how to invest. I never thought they were just remove my funds the way they did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MN

Complaint narrative:
I filed a dispute on XX/XX/XXXX for {$210.00} Im a Safe Home Program participant I have a police report and XXXX  for protection Chime refuses to provide proof of the dispute and is delaying my access to important financial info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by XXXX, XXXX, and Experian for XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) * *. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-07-24 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:
I am filing a dispute under FCRA 605B because my identity was stolen and several accounts and inquiries were fraudulently added to my credit report with Transunion. I have attached a notarized 605B letter, my FTC Identity Theft Report, ID, Social Security card, proof of address, and documentation showing the disputed accounts.

I was also impacted by the XXXX  data breach, which exposed my personal identifying information including my full name, Social Security number, and address. I believe this breach contributed to the unauthorized creation and reporting of the fraudulent accounts listed below. 
The accounts include : - XXXX XXXX XXXX {$540.00} Collection I did not authorize or have contract with prior company - XXXX XXXX XXXX  {$570.00} Charge-Off I did not authorize - XXXX XXXX Charge-Off with inconsistent data I did not authorize - XXXX XXXX Card Services Charge-Off I did not authorize I demand the permanent removal of these fraudulent accounts and any associated inquiries. Transunion has failed to act, and I am now requesting CFPB intervention to enforce my rights under FCRA 605B.

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 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I've had lots of issues with Vystar that are both confusing and unlike anything I've ever experienced with another financial institution. They had a system " upgrade '' a few years ago that prevented me from getting information on my accounts, which has been resolved, yet they send out bank and loan statements with missing information. How is that possible and how is that ok? After my loans inception I didn't even receive a statement for years and no one could figure out why. But then after it was corrected, I was treated as if I'd set my account up incorrectly which not only wasn't true but their employees supposedly checked that first everytime I called and found it correct. I've also received emails that my payment is late even though since the loans inception I set up auto pay through my checking account and it has always been paid on time. I was told that they got some other new system that is creating the problem but it's been years and it's still happening. I've never seen a financial institution operate so sloppily and I've had credit union accounts before too. I've been a Vystar customer for over 12 years, am in the market for a new car and would like to continue doing business with them but I'm concerned. I'm concerned that continuing to do business with them is going to cause me continued issues out of my control that cause aggravation and loss of time and maybe at some point loss of funds or something that negatively affects my credit. There has to be rules and standards they have to follow so why aren't they?

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 2025-07-24 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. After carefully reviewing my report, I noticed inquiries from the creditors that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. After carefully reviewing my report, I noticed inquiries from the creditors that I did not authorize.

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 2025-07-24 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-24 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Someone applied for a personal loan under my name. The company name is Sofi Bank and the amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I deposited a paycheck by mobile deposit in the bank of America app, I was told that the check would not be available until the next business day at XXXX, I then received an email stating that a hold until XX/XX/XXXX was placed on the check for no other reason than that they believe they have information regarding the check may be returned. I asked what information they have to give them that belief they did not tell me what information they have. I told them that I live paycheck to paycheck and that I really need this check to be cleared by normal times, they told me there is nothing they can do. By them putting a hold on my check for a week puts me in a very bad financial position, I can not lay my rent, I can not by food, I can not provide transportation for myself to get to and from work, I start a new job on the XXXX and I have no way to get to work because of this hold that they have put on my check for no reason other then they " think '' it will be returned.

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 2025-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I am submitting a follow-up complaint based on newly discovered misconduct by SoFi Bank regarding a fraud dispute I initially filed.

I was the victim of a business impersonation scam while at work. I submitted time-stamped screenshots and internal agency-wide emails from my employer acknowledging the fraud. This evidence clearly supported my dispute claim.

SoFi denied the claim and later provided a written case summary that made no mention whatsoever of the evidence I submitted.

After I filed my first CFPB complaint, a SoFi advocate contacted me and stated that my documents were reviewed. This directly contradicts the written explanation provided to me.

This raises serious concerns that SoFi either : Did not review the documents prior to making the decision and is now falsely claiming they did to avoid liability, or Is trying to retroactively review the evidence after denying my claim which is not in line with proper dispute resolution practices.

Additionally, when I asked directly via email whether they had access to the documents I sent, they never responded to that question, despite replying to other parts of my email.

This misrepresentation and lack of transparency are deeply concerning and show possible intent to obscure mishandling of my case. I am asking the CFPB to now investigate not just the original dispute mishandling, but also the attempt to rewrite the record after the fact.

Please note that the messages referenced with the advocate pertain to a phone call that was recorded for quality assurance purposes. During this call, the advocate asked alarming and leading questions that appeared designed to discredit my dispute by implying customer fault.

If SoFi required additional information about the incident, such requests should have been made before I was compelled to submit a public complaint. The timing and nature of these inquiries suggest a calculated attempt to undermine my claim rather than a genuine effort to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-07-24 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: MA

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) * *. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TN

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-24 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: TN

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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