vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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: CL Holdings LLC
State: NJ

Complaint narrative:
I am a victim of identity theft on XX/XX/XXXX i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it. 

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
My Google Voice account associated with XXXX and my Google Voice number was suddenly suspended without any prior notice or explanation. This number is linked to my bank accounts, insurance accounts, and other financial services for verification and two-factor authentication. 

After the suspension, I am unable to receive verification codes or important calls from my bank and medical insurance providers. This has caused direct disruption to my ability to access and manage my financial accounts. 

I contacted Google Voice Support through the official channel, and my Support Case ID is : XXXX. However, Google refused to provide : Any explanation of what policy was allegedly violated Any evidence Any path to resolution Any option to reinstate the service Google only sent a generic response and closed the case without reviewing my situation. I did not violate any Google Voice policies, and I rely on this number for essential financial and identity verification purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
In 2021, my Coinbase account was compromised without my authorization. I did not approve or initiate the access or activity that occurred. At the time, I contacted Coinbase for assistance, but the issue has never been fully resolved. 

Since the incident happened several years ago, I no longer have access to the original documentation or transaction details. I am requesting Coinbase to review the history of my account, verify any unauthorized access or activity that may have occurred, and provide a clear resolution and explanation. 

I am submitting this complaint because I have been unable to receive a satisfactory response from Coinbase directly, and I am seeking assistance in escalating this matter so that my concerns can be properly investigated and addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: NJ

Complaint narrative:
To Whom It May Concern, I am disputing multiple inaccurately reported accounts that were previously verified by their furnishers despite containing clear inconsistencies that violate both the FCRA and XXXX XXXX XXXX XXXX XXXX. The furnishers failed to conduct a reasonable investigation, and the information you are publishing does not meet the maximum possible accuracy standard required by law. 

Accounts XXXX Disputed 1. XXXX XXXX XXXX XXXX XXXX XXXX Major inconsistencies across bureaus : Conflicting DLAs ( XXXX, XXXX, XXXX ) Conflicting high balances ( {$0.00} vs {$4300.00} ) Ongoing payment activity after charge-off Inconsistent remark codes Monthly CO codes for two years XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting high balances ( {$0.00}, {$2500.00}, {$4100.00} ) Conflicting DLAs ( XXXX, XXXX, XXXX ) Conflicting statuses ( settled, paid charge-off, paid less than owed ) Late payments reported AFTER charge-off Inconsistent remark codes XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Different account numbers across bureaus Conflicting DLAs Conflicting high balances ( {$0.00} vs {$2000.00} ) Conflicting statuses ( charge-off vs late 180 days vs sold ) Inconsistent payment histories 5-year reporting discrepancies Bureaus must assure maximum possible accuracy which is not occurring here. 

FCRA 611 ( a ) Disputed information that can not be verified accurately must be corrected or deleted.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers are providing inaccurate information, which the bureaus continue to publish.

FCRA 623 ( b ) Furnishers failed to conduct a reasonable investigation.

Verification is invalid when major factual conflicts still exist. 

XXXX XXXX Standards Violated DOFD inconsistencies Late reporting after charge-off Conflicting balances Conflicting statuses Missing/contradictory payment history Inconsistent remark codes Improper post-charge-off updates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
This is a formal dispute under the FCRA. 
The accounts below contain incorrect dates, balances, statuses, duplicate reporting, inconsistent payment history, or can not be verified. 
These items must be DELETED IMMEDIATELY, not corrected. 

ACCOUNTS TO DELETE EQUIFAX XXXXXXXX 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 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  XXXXXXXX multiple duplicate loans with incorrect balances, dates, and statuses : Balance {$4100.00} Balance {$2800.00} Balance {$1200.00} Balance {$2100.00} Balance {$2200.00} Collections XXXX XXXX XXXX / XXXX XXXX XXXX XXXX {$1800.00} ( no proof of debt ) Hard Inquiry XXXX XXXX XXXX Unauthorized ACCOUNTS TO DELETE TRANSUNION Credit Cards/ Charge 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) derogatory, paid profit & loss, inconsistent dates Student Loans ( All inaccurate or duplicated ) XXXX XXXX XXXX  multiple listings XXXX {$2100.00} {$2200.00} {$4100.00} {$2900.00} {$1200.00} Multiple duplicates and inconsistent data require deletion. 

DEMAND UNDER FCRA If any of the above accounts can not be verified with full original documentation, including : Original signed contracts Payment history Itemized balances Proof of ownership Authorization for inquiries They MUST be DELETED IMMEDIATELY under FCRA 607, 609, and 611. 

I am demanding : Full reinvestigation Complete deletion of ALL accounts listed Method of verification Updated corrected report mailed to me Failure to comply will result in complaints to the CFPB, FTC, and State Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
This is a formal dispute under the FCRA. 
The accounts below contain incorrect dates, balances, statuses, duplicate reporting, inconsistent payment history, or can not be verified. 
These items must be DELETED IMMEDIATELY, not corrected. 

ACCOUNTS TO DELETE EQUIFAX XXXXXXXX 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 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  XXXXXXXX multiple duplicate loans with incorrect balances, dates, and statuses : Balance {$4100.00} Balance {$2800.00} Balance {$1200.00} Balance {$2100.00} Balance {$2200.00} Collections XXXX XXXX XXXX / XXXX XXXX XXXX XXXX {$1800.00} ( no proof of debt ) Hard Inquiry XXXX XXXX XXXX Unauthorized ACCOUNTS TO DELETE TRANSUNION Credit Cards/ Charge 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) derogatory, paid profit & loss, inconsistent dates Student Loans ( All inaccurate or duplicated ) XXXX XXXX XXXX  multiple listings XXXX {$2100.00} {$2200.00} {$4100.00} {$2900.00} {$1200.00} Multiple duplicates and inconsistent data require deletion. 

DEMAND UNDER FCRA If any of the above accounts can not be verified with full original documentation, including : Original signed contracts Payment history Itemized balances Proof of ownership Authorization for inquiries They MUST be DELETED IMMEDIATELY under FCRA 607, 609, and 611. 

I am demanding : Full reinvestigation Complete deletion of ALL accounts listed Method of verification Updated corrected report mailed to me Failure to comply will result in complaints to the CFPB, FTC, and State Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Greeting Team, LLC DBA Customer Care Global
State: MO

Complaint narrative:
I received a call XX/XX/year> from Global customer care a debt collector claiming they are trying to collect on a loan from XXXX. I told them it was not me. I never received any funds from this company. They also stated it was sent to a XXXX account and I have never had an account with that bank. They noted the file and will be sending it back to the creditor. This is the 2nd time in a year that I have been contacted on a loan that I didnt not take out. Im disputing based on identify theft. With this happening twice now, its quite clear someone took my information to open loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: NV

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


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


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


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: NV

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


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


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


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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 recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain 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 2025-11-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
My identity was stolen and use to open acccount with XXXX debit card and XXXX phone line. I've never open any account and I am a student. Some one in XXXX, TX is using my identity to open multiple accounts in credit card and telecommunications.The address they are using is XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX. There is an active case is at XXXX POLICE DEPARTMENT, CASE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: TN

Complaint narrative:
I discovered multiple inaccuracies on my credit report, including accounts, addresses, names, and inquiries that I did not authorize, apply for, or recognize. These items are the direct result of inaccurate reporting and/or identity theft. I have never lived at the listed addresses, never used any other name besides my legal name XXXX XXXX, and never opened or signed for the accounts or inquiries being reported. The presence of these items has caused significant harm to my credit, reputation, and financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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:
I had a medical emergency and was in the hospital due to a brain XXXX  and XXXX brain XXXX. I was in there for almost XXXX month, which threw all my banking off because I wasnt able to be alerted when people were using the card or the phone unauthorized use. I work at a residential facility with XXXX women plus staff and my phone was stolen which had my debit ATM card in the little pouch on the back a little piece of paper with the pin number and also my drivers license. I was not aware that it was stolen from the facility because that was around the same time this incident happened, and I thought it was still in my desk safe. I never got no alerts or maybe a fraud block on the charges that were being charged to my card during XXXX XXXX XXXX, I started with XXXX and went through it with XXXX of the claims clerks, and they are well aware of my situation. I filed a claim on XX/XX/year> for over {$10000.00} and they filed my dispute which got denied due to comments they said or lack of papers or access which I never heard from any of them following through with this dispute this is only XXXX month. I know there are other charges on the other XXXX months because if you look at my spending up until XXXX middle of XXXX, it was perfect. I had almost {$60000.00} in the bank and after this medical emergency happens XX/XX/XXXX till XX/XX/XXXX and even some in XXXX I am in shock and having a financial burden and hardship due to my money being gone without authorization to use cards on unknown stores and debits, which were very uncommon so I do not understand why they didnt lock the card until they spoke to me personally it has been a real issue because we were comfortable with the amount of money we had in the bank and now I am down {$20000.00} or more and I got used as a person who had her identity stolen her phone and cards stolen also fraud and irresponsible from the bank to not lock the card with this much activity going on in XXXX months. I need help they denied my claim and my other {$1300.00} claim I have all police reports and also medical paperwork and also. I would like to take legal action against this if it is not looked at appealed or resolved because that is a lot of money and I feel like I have been a victim of identity, theft and fraud which makes me feel insecure and I feel like closing my account due to them, denying it and not giving me much of a reason and would not let me appeal. Im highly upset

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my credit report shows eight inaccurate and unauthorized hard inquiries that I did not authorize or initiate. These include inquiries from XXXX XXXX on XX/XX/, XXXX XXXX XXXX on XX/XX/, XXXX XXXX XXXX on XX/XX/, XXXX XXXX on XX/XX/2025, XXXXXXXX XXXX XXXX on XX/XX/, XXXX XXXX XXXX  on XX/XX/, and two inquiries from XXXX on XX/XX/2025. I did not submit any credit applications or provide consent for these companies to pull my credit, and I have no relationship with several of these entities that would justify these inquiries. These inaccurate entries are negatively impacting my credit report, and despite my efforts to resolve the issue through the credit bureaus and the lenders, the inquiries remain on my file and continue to cause harm.

Company response to consumer: Closed with explanation