vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN ( last XXXX ) : XXXX IQ Data International XXXX XXXX XXXX XXXX, WA XXXX Re : Validation Request Rental Debt Balance : {$39000.00} Opened XX/XX/year> Due to the unusually high balance, I am requesting full validation, including : Original lease agreement Move-out inspection photos Itemized charges Ledger statements Proof of legal ownership Repair invoices Until validated, you must cease collection and reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I recieved a text message stating that I owed like {$490.00} to PayPal, because a bogus charge was credited by my account. And asked if I needed help in paying this debt and gave a phone number. Then right after sent me a fake fraudulent billing statement looking as if it was on a PayPal account. The picture of statement is addressed to Dear User. And saying this debt will be automatically deducted from my account monthly for a bogus subscription. I will attach screenshots of this conversation if there is a place for me to do so. That way people can see exactly what it looks like and won't fall for it. The phone number it came from was XXXX ( XXXX ) XXXX, but the number the message tells me to call for any assistance or to resolve this inquiry is XXXX ( XXXX ) XXXX. So please let this be know to people please immediately, because I'm certain I'm not the only one they have tried to scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I XXXX XXXX XXXX was a Victim of identity & fraud i ask for transunion Equifax, Experian to removed the debt as i disputed pursuant to 15 US CODE 1692c,15 US CODE 1692g,15 US CODE 1681 e ( b ) Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. They violated my rights as a consumer and are in a law suite for failing to properly investigate my dispute!! the acoounts disputed are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. And for identity verification purposes i do not wish to send any information or disclose any information pursuant to my personal information all on file is my current information. please retain from asking for more personal/private information. also to notify you that XXXX XXXX XXXX is a copywritten name and trade mark any person using my name and any derivations of such name is in violation of trademark laws please remove these thing from my credit with in 10 business days thank you. Also ive been a victim of credit bureau data breach.15U.S, Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) this account is in violation any credit transactions supposed to be excluded from a consumer credit report. If a social security card was used in the transaction.

Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of the FCRA reporting falsely. YOU AS A FIDICUARY I APPOINT YOU TO DO YOUR JOB AND DELETE THE NAME FRUADULENT INFORMATION FROM MY CONSUMER 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 non-monetary relief
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report with TransUnion. The details are as follows : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$350.00} Late Payments : XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have the Coinbase XXXX card, issued by XXXX XXXX Bank. The Coinbase app is used to manage the account. The problem is that they do not provide a mechanism to pay your bill, other than linking an account with XXXX. 

My bank account is not supported by XXXX, and they do not provide a phone number to call to figure this out. They INSIST on using an offshort support person who can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of an item listed on my credit report. After reviewing my credit report, I noticed that the account referenced below is inaccurately being reported as charged off every month, which violates the Fair Credit Reporting Act ( FCRA ). 

WELLS FARGO CARD SERV Account Number : XXXX According to the FCRA, an account can only be charged off once, and it should not reflect multiple charge-offs on my credit report. This repeated reporting misrepresents my credit history and undermines my financial standing. 

I kindly request that you investigate this matter and correct the inaccuracies. Please provide me with written confirmation of your findings and any actions taken to resolve this dispute. Enclosed are copies of my credit report highlighting the disputed account, along with any other relevant documentation. 

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

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX was a Victim of identity & fraud i ask for transunion to removed the debt as i disputed pursuant to XXXX US CODE XXXX US CODE XXXX US CODE XXXX XXXX ( b ) Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud This agency is in violation of XXXX U.S.C. XXXX. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. They violated my rights as a consumer and are in a law suite for failing to properly investigate my dispute!! the acoounts disputed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And for identity verification purposes i do not wish to send any information or disclose any information pursuant to my personal information all on file is my current information. please retain from asking for more personal/private information. also to notify you that XXXX XXXX is a copywritten name and trade mark any person using my name and any derivations of such name is in violation of trademark laws please remove these thing from my credit with in XXXX business days thank you. Also ive been a victim of credit bureau data breach. And inquires that need to be deleted from my report are as followed : XXXX XXXX XXXX XX/XX/XXXX, XXXX CREDIT/XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX CREDIT/XXXX  XXXX XX/XX/XXXX, XXXX XXXX CREDIT UNI XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXUnder XXXX U.S.C. XXXX ( XXXX ) Method of verification this account is in violation ; it was reported without valid evidence. 
100 % XXXXU.S, Code XXXX ( b ) and XXXX U.S. Code XXXX ( XXXX ) this account is in violation any credit transactions supposed to be excluded from a consumer credit report. If a social security card was used in the transaction. 
Unauthorized/Erroneous Account RESULT OF the Equifax Data XXXX Direct Violation of the FCRA reporting falsely. YOU AS A FIDICUARY I APPOINT YOU TO DO YOUR JOB AND DELETE THE NAME FRUADULENT INFORMATION FROM MY CONSUMER 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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have filed a dispute with them for charges over XXXX $ that someone stole my card information and used it on a platform. The money i get mainly is my daughters XXXX check. They keep denying my dispute without reaching out to merchant. I did not authorize those charges they are doing nothing to help me. Please help me. 
They keep saying i am responsible because there were multiple charges but it was not me i even contacted the merchant and they told me tell my bank to contact them and they will refund me. But XXXX  has not! 
They just deny my dispute! Its over XXXX XXXX will attach the merchants responce and XXXX screen shots of the charges im reffering to total of XXXX charges made from XXXX XXXX online. I have proof i have not used them since 2024. Also the merchant stating that which leads to the point that it was not me someone used my card without permission!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA XXXX ( b ) and XXXX, causing financial harm and violating my privacy.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
[ XXXX, XXXX, XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX ( first floor ) ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX XXXX : Formal Complaint Against TransUnion Continued Failure to Comply with FCRA Consumer : [ XXXX, XXXX, XXXX, XXXX ] CFPB Reference Number : [ I am sorry I do not remember it right now, I can give it back after this report if required/requested ] To Whom It May Concern : This is a follow-up complaint regarding XXXX  ongoing violations and refusal to correct my credit report. 

I previously submitted a complaint to the CFPB with evidence from XXXX XXXX XXXX XXXX, showing TransUnion is reporting an inaccurately low credit score. 

In response, I received a letter from TransUnion dated [ XX/XX/year> ] stating they " can not delete anything '' or " clarify anything. '' This is a blatant violation of their legal duties. 

Furthermore, the letter they sent me proves their negligence. It is addressed to a misspelled version of my name and an old, incorrect addressboth of which I have disputed with them repeatedly. Their failure to maintain accurate basic personal data shows a complete disregard for their legal obligations. 

My specific complaints are : XXXX. Failure to Reinvestigate : XXXX blanket refusal to investigate disputes violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 
XXXX. Failure to Maintain Maximum Possible Accuracy : The persistent errors in my name, address, and credit score violate the core requirement of the FCRA, 15 U.S.C. 1681e ( b ). 
XXXX. Blocked Access : I am systematically blocked from accessing my TransUnion credit report online, violating my right of access under FCRA, XXXX U.S.C. XXXX. 
XXXX. Unjust Practices : This pattern of non-compliance constitutes bad faith and unjust enrichment under XXXX principles and general consumer protection laws. 

I demand the CFPB compel TransUnion to : Conduct a proper reinvestigation. 
Delete all unverifiable and inaccurate information, including personal identifiers. 
Correct all personal identifying information. 
Restore my full online access. 

Enclosed is XXXX deficient response. Immediate action is required. 

Sincerely, [ XXXX, XXXX, XXXX, XXXX ] [ XXXX, XXXX, XXXX, XXXX ] Enclosures : Copy of TransUnion response letter dated [ XX/XX/year> ] showing incorrect name and address.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover failed to validate this alleged debt after my timely written request. That exact failure to validate is the subject of active litigation I filed XX/XX/year> ( see attached first page of my Motion to Dismiss with prejudice for failure to validate ). 
Despite having no validation, Discover continues to report this account to the credit XXXX  every month. Reporting an unvalidated debt is continued collection activity and violates FDCPA XXXX ( b ) and FCRA XXXX ( a ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am writing to dispute certain accounts listed on my credit reports. Below are the details of the accounts in question, which I believe contain inaccuracies and errors that need to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : STATE OF MI XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is being disputed due to incomplete or inaccurate reporting on my credit file. 

Inquiries : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX This inquiry is being disputed as I do not recognize or authorize it.

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 2025-11-25 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: TX

Complaint narrative:
This complaint is submitted under FCRA XXXX ( XXXX U.S.C. XXXX ) requesting that XXXX, Experian, and XXXX  block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-25 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: NC

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA XXXX ( b ) and XXXX, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA XXXX ( b ) and XXXX, causing financial harm and violating my privacy.

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