vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a XXXX XXXX XXXX XXXX, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: SIMM Associates, Inc.
State: CO

Complaint narrative:
on each of the past four days ( XXXX XXXX XXXX ) i have received multiple emails from XXXX alleging that I owe various amounts including {$150.00}, {$140.00}, and {$14.00} to XXXX XXXX XXXX XXXX XXXX I have not seen any statements from XXXX XXXX to support this allegation. I have requested the statements each of the last three days, but have received no reply. Last time I looked, my credit rating was over XXXX i pay my bills when i get them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to update my personal information listed on my credit report. I recently reviewed my credit file and noticed that some of the information is inaccurate or outdated. Please update my credit report with the correct information listed below : Correct Personal Information : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX California XXXX SSN ( Last XXXX Digits ) : XXXX Name to Remove : XXXX XXXX XXXX Enclosed are copies of the following documents to support my request : A copy of my government-issued ID ( drivers license or passport ) A recent utility bill or bank statement showing my current address Please conduct an investigation and correct or remove any inaccurate or outdated personal information from my file. I request that you provide written confirmation once these changes have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I'm not late on the loan. The company is purposely reporting my account late and it's fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have an alleged debt that I have no knowledge of and want removed immediately. 
Under the Fair debt collection practices act ( FDCPA ), XXXX XXXX. XXXX, I have rights to know the amount of the alleged debt, the name of the creditor, original copies of the agreement in place or contract with signature, verification that your are legally authorized to collect debt from me in my state, complete payment history, including any interest/fees/charges added, documentation that the debt can be legally obtained, and has not been paid/settled/discharged/or expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/year>, XXXX checks were sent from Navy Federal Credit Union 's XXXX XXXX partners to XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX. Both checks were for the amount of {$57.00}. XX/XX/year> the funds were withdrawn out of my checking account totally {$110.00}. XX/XX/year> my cell phone was turned off and I paid another {$57.00} to turn it back on with my debit card. I have not received a refund. I have had several conference calls, filed a complaint with the dispute department, the XXXX department and submitted a letter of forgery. I have spoken with countless customer service agents with both companies. No results, conclusions or reimbursement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: 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: GA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX DATE OF BIRTH XX/XX/XXXX SOCIAL SECURITY NUMBER XXXX [ Date ] XX/XX/XXXX Dear Credit Bureau Subject : Formal Dispute of Charge-Off Notice of Violations Under Federal Law To Whom It May Concern, I am writing to formally dispute the alleged charge-off you have reported to the credit bureaus. THIS IS A FRAUD ACCOUNT!!!!!!!!! Under federal law, you are required to ensure all information furnished is accurate and compliant with the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( XXXX ). After reviewing my credit report, I have identified violations of the following federal statutes : XXXX. XXXX XXXX. XXXX ( a ) You are required to report only accurate and verifiable information. If you are unable to prove the validity of this charge-off with proper documentation, you must immediately remove it. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) You must have a permissible purpose to continue reporting an account post-charge-off. If you can not provide evidence of my direct consent, your reporting is in violation of federal law. 
XXXX. XXXX XXXX. XXXX Under the Fair Credit Billing Act, I have the right to dispute any billing errors or inaccuracies. You must provide a full investigation with verifiable documentation supporting this alleged debt. If you can not, this charge-off must be immediately deleted. 

Account name XXXX XXXX XXXX Account number XXXX Failure to correct these violations will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel for willful non-compliance. 
I demand the immediate deletion of this charge-off from all credit bureaus. You have XXXX days to respond with verifiable proof or confirmation of removal. 
This letter serves as formal notice under federal law. Failure to comply will be met with all available legal remedies. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I had added money to my Coinbase account in which unauthorised transactions then took place from my account to a crypto address without my consent. This amounted in over XXXX XXXXXXXX. 

Since these transactions I have been in touch with Coinbase almost everyday where they have promised that my funds will be returned. 

We are on week XXXX and the funds have still not been returned. 

I keep getting asked to check my email for updates and to complain to them. I have complained on several occasions in which they have 15 days to get back to me, they have not fulfilled this. 

I have been told on more than XXXX occasions that my funds will be returned in XXXX hours and then again in XXXX days. This promise has also not been fulfilled. 

Coinbase have repeatedly disclosed misinformation and not followed their own guidance and protocol. Their customer service have not helped at all other than telling me to look for updates on my email. 

I am a mother without XXXX that should have been returned by now and Coinbase have been a nightmare to deal with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Credit Report Dispute & Complaint under the Fair Credit Reporting Act ( FCRA ) Dear CFPB Officer, I am filing this complaint due to multiple inaccurate and potentially unlawful items on my credit reports from Experian, TransUnion, and Equifax. 

I have attempted to resolve these issues directly with the credit bureaus but have not received sufficient responses. Below are the accounts in question : XXXX. * * XXXX ( Experian ) * * Account shows XXXX days late and " purchased by another lender, '' yet reports {$0.00} balance. The information is unclear, outdated, and unverifiable. 

XXXX. * * XXXX Student Loan ( All Bureaus ) * * All three bureaus report a XXXX delinquency in XX/XX/year>, but payment history shows consistent payments before and after. I believe this is a reporting error. 

XXXX. * * XXXX & XXXX * * Both accounts report isolated late payments without any sustained pattern or default. I request a thorough validation or removal. 

XXXX. * * XXXX * * Multiple XXXX  day lates are showing inconsistently across bureaus. This raises questions of accuracy and timely verification. 

XXXX. * * XXXX  * * Single late mark without further delinquency history. I believe this was in error or not properly validated. 

These inaccuracies are damaging my creditworthiness. I request that CFPB enforce my rights under the FCRA to have these accounts investigated, corrected, or removed. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Credit Report Dispute & Complaint under the Fair Credit Reporting Act ( FCRA ) Dear CFPB Officer, I am filing this complaint due to multiple inaccurate and potentially unlawful items on my credit reports from Experian, TransUnion, and Equifax. 

I have attempted to resolve these issues directly with the credit bureaus but have not received sufficient responses. Below are the accounts in question : XXXX. * * XXXX ( Experian ) * * Account shows XXXX days late and " purchased by another lender, '' yet reports {$0.00} balance. The information is unclear, outdated, and unverifiable. 

XXXX. * * XXXX Student Loan ( All Bureaus ) * * All three bureaus report a XXXX delinquency in XX/XX/year>, but payment history shows consistent payments before and after. I believe this is a reporting error. 

XXXX. * * XXXX & XXXX * * Both accounts report isolated late payments without any sustained pattern or default. I request a thorough validation or removal. 

XXXX. * * XXXX * * Multiple XXXX  day lates are showing inconsistently across bureaus. This raises questions of accuracy and timely verification. 

XXXX. * * XXXX  * * Single late mark without further delinquency history. I believe this was in error or not properly validated. 

These inaccuracies are damaging my creditworthiness. I request that CFPB enforce my rights under the FCRA to have these accounts investigated, corrected, or removed. 

Sincerely, * * 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