vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
It was stated on my credit report by XXXX that I owe a rental debt from XXXX XXXX, I have since contacted XXXX XXXX the company about this debt, and they verify that I do not owe a debt with them and have sent me a written letter through email stating that this debt never occurred. This debt should not be on my credit report.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am awaiting a response from the credit bureaus and its been over 30 days. I had to reach out to an attorney.There is a XXXX  XXXX XXXX  XXXX  information is very inaccurate to the point that I did not recognize it and I paid it off years ago. I tried to call XXXX XXXX at XXXX ( spoke with XXXX XXXX. They had no information on this account, so I was trying to find out who reopened it or made charges to it furthermore if I am the account holder why doesn't XXXX XXXX have any information on this account but the 3 credit bureaus do. This is very strange. Also the information is very inconsistent and confusing, not only to me but XXXX XXXX representative also.

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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2025, I was the victim of a XXXX XXXX  attack that resulted in a third party gaining unauthorized access to my Coinbase account. Although the login occurred from my general geographic location ( XXXX XXXX, CA ), it was from a new Windows device that I have never used I do not use Windows devices at all. 

Coinbases own internal review confirmed that the account was accessed from an unrecognized device and a different browser/system. During the compromise, the hacker transferred {$400.00} from my linked bank account into Coinbase and performed unauthorized activity on the platform. 

I promptly reported the issue to the FTC and contacted my bank. My bank initially refunded the {$400.00} after investigating, but later reversed the decision based on Coinbases submission, which falsely claimed the activity was authorized. I also went through two internal reviews with Coinbase, both of which denied the claim despite their own notification that access was from an unfamiliar device.

I am requesting CFPB assistance to recover the {$400.00} that was withdrawn from my bank account as part of this unauthorized access. This was not a transaction I authorized, and I have exhausted every other avenue, including reporting to the FTC and appealing to both Coinbase and my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-07-29 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of identity death in accordance with section 605B of the fair credit report that 15 U.S.C1681C 2. I am requesting an immediate removal of the items that I am disputing on my credit report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: VA

Complaint narrative:
This following addresses listed needs to be removed immediately, I have not lived in any of them XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
The vehicle was never repossessed by the lender. XXXX2023 It was wrongfully sold by a XXXX XXXX XXXX XXXX XXXX  before Exeter could recover it, despite my account being current. No proper legal process or notifications were followed to let me know they were selling the car .. The car was stolen by XXXX  XXXX XXXX XXXX  upon Exeter Finance . going to retrieve car the was sold by XXXX XXXX XXXX XXXX  XXXX  upon with in a week .. no repo car payments were current before west XXXX XXXX XXXX XXXX  stole car & sold .. now Im stuck XXXX debit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I was scammed by my bank, PNC. They advertised a PREPAID CARD intended to help customers " BUILD CREDIT ''. I had to deposit at least {$300.00} & that would be my limit. I was very clear about wanting the PREPAID CARD TO BUILD MY CREDIT, but PNC insisted on doing a SOFT inquiry on 3 different types of interest bearing REGULAR CREDIT CARDS BEFORE they did a HARD inquiry for the PREPAID CREDIT CARD that I asked for. They were playing a shell game. 

I was rejected for all FOUR cards & very upset with the deceptive way PNC processed my request for the prepaid card they advertised to build my credit. I was told to go home & check my credit score, which I did. My credit score was XXXX on XXXX. After PNC put the HARD inquiry on my account, my XXXX  credit score dropped to XXXX. 

I wrote the bank in my neighborhood & complained about the HARD inquiry for a prepaid card that limited my purchases to the amount of money that I deposited. A PNC office in XXXX called & refused to remove the HARD inquiry. 

PNC advertising a " prepaid card to build credit '', then processing 3 applications for no deposit interest bearing credit cards that I clearly said I did not want before the deposit required prepaid card that I asked for was a shell game. I'm a senior trying to survive on social security & I need a new vehicle. I can't afford to be scammed by a bank that I've been with for nearly 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: AZ

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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, AZ XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} INQUIRIES : XXXX  Date : XX/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 explanation
Consumer complaint received 2025-07-29 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am formally disputing multiple unauthorized inquiries currently listed on my credit report. These entries were made without my consent and have negatively impacted my credit standing and score. 

Despite prior contact with your agency and assurances that these inquiries would be removed, they remain. This ongoing failure to act is unacceptable. 

These potentially fraudulent inquiries raise serious concerns about identity theft and continue to cause financial and emotional 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the XXXX  caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AL

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 non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
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 2025-07-29 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
Dear ChexSystems, I am writing to formally dispute the inquiries listed on my consumer report that I believe are a direct result of my status as a victim of XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of these inquiries, as they do not accurately reflect my creditworthiness and are detrimental to my financial recovery. 

According to Section 604 of the FCRA, a consumer reporting agency may furnish a consumer report only for specific permissible purposes. Given my circumstances, these inquiries do not meet the criteria for permissible purposes and should be blocked.

Additionally, Section 605 of the FCRA states that inquiries must be removed from my report after a certain period. However, in my case, these inquiries should be blocked immediately due to their connection to my victimization. 

Furthermore, I request that my consumer report score be readjusted to reflect the removal of these inquiries. The presence of these inquiries has negatively impacted my credit score, which does not accurately represent my financial behavior or ability to manage credit, especially considering the extraordinary circumstances I have faced. 

I ask that you conduct a thorough investigation into these inquiries and block them from my consumer report as required by law. Additionally, please provide me with written confirmation of any actions taken regarding my request and the subsequent readjustment of my consumer report score. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: GA

Complaint narrative:
A fraudulent product was shipped to my house after I purchased it. After trying to return the item, the bank has refused to return my money for the product. 

The bank says that they dont have enough evidence and I am not out money for a fraudulent product that was returned to the online seller.

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 2025-07-29 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: FL

Complaint narrative:
In XXXX, XXXX XXXX XXXX XXXX completed foreclosure on the property at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This foreclosure extinguished any XXXX or interest held by XXXX. 

Despite this, XXXX continues to report a mortgage account and foreclosure status on my credit report without legal standing. 

On XX/XX/XXXX, I sent a Qualified Written Request under RESPA requesting documentation of XXXX  legal standing and any assignments after the XXXX foreclosure. 

On XX/XX/XXXX, XXXX responded but failed to provide any valid assignment, court order, or documentation proving standing. 

The continued reporting is inaccurate and misleading, violating FCRA 623 ( a ) ( 1 ) ( A ) and RESPA servicing rules. I request deletion of all XXXX  tradelines and written confirmation that the account is closed with no balance owed.

Company response to consumer: Closed with explanation