vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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:
I am submitting this formal dispute regarding violations of federal and commercial laws tied to the reporting and handling of items on my credit report.

Under 15 U.S.C. 1692c ( FDCPA ), my rights were violated due to unlawful communication practices. Additionally, per 15 U.S.C. 1681i ( FCRA ), you are required to conduct a reinvestigation into all disputed items. Despite multiple requests, the items have not been removed or appropriately validated.

I have filed an official FTC Identity Theft/Fraud Report, submitted a UCC1 Financing Statement, and provided a UCC11 Report verifying my status and notice of interest. I have yet to receive proper validation or proof of debt. No wet-ink signature or authenticated contract has been provided to prove the legitimacy of any claims.

This ongoing failure to investigate and correct inaccurate data violates : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i, 1681s-2 ( b ) Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692c, 1692e, 1692g Uniform Commercial Code ( UCC ) : Articles 1, 3, and 9 GAP Codes and violations of fiduciary obligations and administrative due process Each unresolved item on my credit report constitutes a {$1000.00} claim in damages for willful non-compliance. You are now formally put on notice. Failure to comply may result in further legal action, including affidavits of truth, estoppel by silence, and commercial lien processes.

I demand immediate removal of all inaccurate, unverifiable, and fraudulent items and a full reinvestigation as required by law. 

Cease and desist all unlawful reporting and collection efforts moving forward.

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 2025-08-05 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: LA

Complaint narrative:
Victim of Data Security Breach : Equifax , Inc . Customer No. XXXX ( U.S. District Court for the Northern District of XXXX  ) Violations are : Reinsertion Deleted Item 15 USC 1681i5b Late Payments : 15 USC 1681 a2Xi Permissible Purpose 15 USC 1681b I, XXXX XXXX ( Declarant XXXX XXXX declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct to the best of my knowledge, information, and belief. 
II. Identity Theft and Fraudulent Reporting a. All accounts listed below were opened without my authorization, consent, or signature, either electronic or wet-ink. 

b. The Equifax data breach exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit file. 

XXXX. Identified Fraudulent Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  XXXX Docket No : XXXX Date Allegedly Filed : XX/XX/XXXX XXXX Credit First - Account # XXXX -Balance : {$6900.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX -Balance : {$6900.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX -Balance : {$10000.00} - Open Date : XXXX XXXX XXXX. XXXX  XXXX XXXX - Account # XXXX -Balance : {$13000.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account # XXXX -Balance : {$2800.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX -Balance : {$21000.00} - Open Date : XXXX XXXX XXXX. XXXX XXXX XXXX - Account # XXXX -Balance : {$2800.00} - Open Date : XX/XX/XXXX 2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.

Complaint narrative:
I was charged 4 times for Coinbase XXXX ( {$29.00} each, totaling {$110.00} ), without any renewal reminder, receipt, or transaction notification. I had no idea I was being billed. 

Coinbase later admitted that their system has automatic notification blockers, which likely prevented any billing emails or renewal notices from being sent to me. I did not use any Coinbase XXXX premium features. 

After contacting support, they refunded only XXXX month and told me their system doesnt allow any more refunds. 

I believe this violates the FTCs Negative Option Rule and XXXX, which require clear subscription renewal disclosures and post-charge confirmations. I am requesting a full refund of the unauthorized charges. 

Coinbases practices appear deceptive and misleading, and I am requesting the CFPB review this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 never opened these accounts, which were created fraudulently. Im requesting their removal within XXXX days in compliance with USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/year>

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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I initiated a credit card balance transfer from Citibank to XXXX  XXXX XXXX a routine transaction that should have taken days. 

Its now XXXX, and Citi still cant tell me where the money went. 

The money never reached XXXX  XXXX XXXX. 

It never posted to an account in my name. 

And most concerning of all Citi has no proof of where the funds were actually sent. 

I've made countless calls. Filed multiple disputes. Asked for documentation. Escalated through every channel available. 

And yet : * No resolution. 
* No transparency. 
* No accountability. 

For a global financial institution, this kind of negligence is not just frustrating it's unacceptable. 

This isnt a small error. Its {$8000.00}. Its time. Its trust lost.

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 2025-08-05 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: CA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX  XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ]

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 2025-08-05 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:
These accounts were opened without my knowledge or permission. As they are fraudulent, I am requesting their removal from my credit report in accordance with USC 1681g. Documentation is attached.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( D. XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I opened an XXXX credit card to save money on the day of purchase. 
I received my very first statement XXXX days after the due date. Maybe XXXX. I called that day and paid the bill in full over the phone - discussed not being charged a late fee since the bill was received late. Requested my card be closed as I was frustrated with receiving the bill late. 
I have made multiple attempts to resolve this over the iast XXXX months- repeating the same story. 
Speaking to multiple people - requesting supervisors- all to be told they can never find documentation that I called. Now they say they cant do courtesy credits for more than XXXX  days. I keep explaining there is no balance. The near {$200.00} theyre billing me for is all late fees and interest that never shouldve occurred. Now Im concerned they are ruining my credit. I have requested the last XXXX months for them to review the original call. XXXX response, just more late fees and interest. 
Please help me. This is not right. Im being held accountable for fraudulent late fees when the error was theirs. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX ] Account Number : [ ]

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 2025-08-05 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am a victim of identity theft. Accounts were opened in my name without my knowledge or authorization, and they are being reported to the credit bureaus as legitimate. I did not apply for these accounts, nor did I receive any benefit from them. I believe my personal information may have been compromised in the XXXX  data breach. I am disputing the accuracy of these accounts and requesting they be investigated, blocked, and removed from my credit reports under the Fair Credit Reporting Act ( FCRA ). I have submitted an FTC Identity Theft Report and provided documentation to the credit bureaus and/or the company reporting the accounts. These accounts are causing harm to my credit and financial wellbeing. 

Including : - DEPT OF ED/XXXX  Date Opened XX/XX/XXXX Balance {$6900.00} - DEPT OF ED/XXXX  Date Opened XX/XX/XXXX Balance {$10000.00} - DEPT OF ED/XXXX  Date Opened XX/XX/XXXX Balance {$3500.00} - DEPT OF ED/XXXX  Date Opened XX/XX/XXXX Balance {$2200.00} - DEPT OF ED/XXXX  Date Opened XX/XX/XXXX Balance {$4200.00} - DEPT OF ED/XXXX  Date Opened XX/XX/XXXX Balance {$4200.00} - DEPT OF ED/XXXX  Date Opened XX/XX/XXXX Balance {$4100.00} - DEPT OF ED/XXXX  Date Opened XX/XX/XXXX Balance {$1800.00}

Company response to consumer: Untimely response
Consumer complaint received 2025-08-05 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: CBC Companies, 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 victim of identity theft. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
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 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, GA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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