vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
I see the report you shared. It shows a XXXX XXXX XXXX XXXX account marked as : Condition : Derogatory Status : Collection / Charge-off Remarks : Charged off as bad debt | Profit and loss write-off Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Reported : XX/XX/XXXX Balance : {$2200.00} ( original {$5800.00} ) [ Your Name ] [ Your Address ] [ City, State ZIP ] [ Date ] To : [ Experian / Equifax / TransUnion ] [ Address ] Re : Dispute of Inaccurate Reporting under FCRA 611 & 623 Account : XXXX XXXX, XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the accuracy of the reporting of the above account on my credit file. This account is being reported with serious inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ) : 1. The account shows a reported date of XX/XX/XXXX, which is a future date and factually impossible. This is inaccurate and misleading. 
2. The account is marked as Charged off as bad debt | Profit and loss write-off, yet still reflects a changing balance. Once a debt is charged off, the reporting must be accurate and can not be re-aged or updated inconsistently.

3. The current reporting may improperly extend the reporting period beyond the 7-year limitation under FCRA 605 ( c ).

In accordance with FCRA 611 ( 15 U.S.C. 1681i ), I request that this item be investigated and either : Corrected immediately to reflect accurate and complete information, or Permanently deleted from my credit report if it can not be verified in full compliance with the law.

Please provide me with written confirmation of the outcome of this investigation within 30 days, as required by law.

Sincerely, [ Your Full Name ] [ SSN last 4 digits ] [ Date of Birth ] Charge-off with balance If a creditor has written off the debt ( profit and loss write-off ), it must be accurately reported. Sometimes creditors continue updating balances incorrectly, which can be challenged under the FCRA 623 ( duty of furnishers to report accurately ). 
2. Reporting Date The account shows Reported : XX/XX/XXXX which is in the future. Thats an inaccuracy, since creditors cant report future-dated information. 
3. Re-aging risk If they push the reported date forward, it can improperly extend how long the account stays on your report. The FCRA 605 ( c ) strictly prohibits re-aging beyond 7 years from the date of first delinquency ( DOFD ).

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 2025-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
They are charging {$10.00} again even though I have {$500.00} in my account. I want the money back

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I mailed written requests with all required documentation to have outdated addresses removed from my credit report. Despite allowing sufficient time, these obsolete addresses are still being reported. This violates the FCRA and Metro 2 compliance standards and is causing harm to my credit profile and overall creditworthiness.

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 2025-08-17 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: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
XXXX. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX that you the 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. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XXXX, a personal credit card account opened at XXXX  XXXX on XXXX, a personal credit card account opened at XXXX XXXX on XXXX, and a student loan account opened at XXXX XXXX on XXXX. These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts collections or XXXX inquiries as reported. The aforementioned accounts collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened made or initiated by me. All of the aforementioned accounts collections and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Number XXXX XXXXXXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts collections and XXXX inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-17 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:
My personal information maintained by TransUnion has potentially been compromised in a data breach. This has raised the risk of identity theft and unauthorized use of my credit file. 

I was a victim of XXXX Data breaches ( XXXX  and XXXX ). I have attached the dates, amounts and actions per CRA TransUnion, taken by the company.

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 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I bought a vehicle from a website based on the information they provided. After sending a wire transfer to the seller. I received a faulty vehicle full of issue and has a front collision that was never mentioned and subframe damage. It was a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian\XXXXXXXX XXXX XXXX XXXX XXXXXXXXEquifaxXXXX XXXX XXXX XXXX XXXXTransUnion\XXXX XXXX XXXX XXXX XXXXRe: Unauthorized Credit Inquiries  Demand for Deletion\n\nDear Sir or Madam,\n\nI am formally disputing multiple unauthorized credit inquiries appearing on my credit file. Under the Fair Credit Reporting Act (FCRA), Section 604(a)(3), a consumer reporting agency may only furnish a credit report when there is a permissible purpose. I never authorized or granted permission to the companies listed below to access my credit file, nor did I initiate any credit transactions with them.\n\nAs such, these inquiries are a violation of federal law and must be removed immediately:\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (By Mail Only)\n\nThese inquiries were not authorized by me and are damaging to my creditworthiness.\n\nLegal Basis:\n\nFCRA 604  Requires permissible purpose before an inquiry is made.\n\nFCRA 609(a)(1)  Grants me the right to know the source of all inquiries.\n\nFCRA 611  Requires reinvestigation and deletion of inaccurate or unauthorized information.\n\nAction Requested:\n\nRemove the above unauthorized inquiries from my credit report.\n\nProvide me with an updated copy of my credit file reflecting the removal.\n\nProvide the name and permissible purpose relied upon for each inquiry if you refuse deletion.\n\nFailure to comply may result in filing complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my state Attorney Generals office.\n\nI expect your response within the 30 days required by law.\n\nSincerely,\XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
I am disputing a collection account from NCB XXXX XXXX that is being reported to all three credit bureaus XXXX XXXX XXXX XXXX The original creditor is XXXX XXXX XXXX XXXX XXXX. 

I previously disputed this account because I have never had a contract with this debt collector for any debt. I specifically requested that proof be provided from the original creditor showing that this debt collector owns the debt and has the legal authority to collect on it. Instead of providing this validation, the bureaus verified the account without furnishing proof. 

I do not agree with the results of their investigation. To this date, I have not received : Documentation from the original creditor verifying the debt, or XXXX that NCB XXXX XXXX has legal ownership and authority to collect this account. 

Despite the lack of validation, the account continues to be reported on my credit file by XXXX XXXX XXXX XXXX, which is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was scammed out of {$120.00} through a Chime " Pay Anyone '' transfer. I sent the payment to a seller I met on offerup for a XXXX XXXX, and they never delivered the item. After the payment, the seller wanted more money claiming they couldnt ship through XXXX  and wanted to ship through XXXX. I submitted a dispute to Chime and provided clear evidence, including screenshots of the conversation, the agreement to sell the item, proof of payment, and the seller 's refusal to follow through. 
Despite the evidence showing this was a scam, Chime denied my dispute without offering a clear explanation. I authorized the transaction under the assumption that I was engaging in a legitimate sale. Once it became clear it was fraudulent, I did everything I could to recover the funds through Chime, but they refused to assist. 
I am requesting a formal review and assistance in recovering the {$120.00} I lost due to this fraudulent transaction. I believe Chime failed to properly evaluate the evidence I submitted, and I would appreciate the CFPBs help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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. 1681 C-2 ) that you the EXPERIAN 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. This fraudulent, inaccurate, and false information consists of a personal credit card from XXXX XXXX XXXX  opened on XXXX XXXX, another personal credit card from XXXXXXXX XXXX  opened on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$410.00} that appears to be related to a cell phone from XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shoes the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # 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.

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 2025-08-17 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: AZ

Complaint narrative:
Today I received an email from XXXX  stating that my account was XXXX XXXX in arrears and was going to be charged off. I called the customer service and routed me to the XXXX and they refused to assist me. I even spoke to the supervisor to no avail. I find that XXXX has some nerve to threaten to charge off XXXX XXXX  even though I was on auto bill pay and this should not have even been reported on my XXXX which it has.

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 2025-08-17 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: CA

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing an account being reported/collected by XXXX ( XXXX ). This account is inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my written requests for validation, XXXX ( XXXX ) has not provided a signed agreement, itemized statement, or proof of ownership. Continued reporting and collection attempts are causing harm to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
remove this fraudulent inquiries its hurt my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
remove this fraudulent inquiries its hurt my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I am writing to file a formal complaint against Coinbase , Inc., a virtual currency business licensed by the New York State Department of Financial Services ( BitLicense holder since XX/XX/XXXX ), for their failure to assist in recovering approximately XXXX XXXX sent to my Coinbase deposit address via the XXXX network on XX/XX/XXXX.. Despite XXXX years of repeated attempts to resolve this issue, Coinbase has provided no meaningful support, claiming they do not support XXXX  for XXXX  deposits. However, Coinbase now supports XXXX for XXXX coin transactions, which operate on the same network, raising concerns about inconsistent practices and potential negligence. 

Coinbase supports XXXX for XXXX tokens but not for XXXX, despite both using the same XXXX  Layer XXXX network. This discrepancy, noted in my complaint, suggests Coinbase has the technical capability to access XXXX  funds but has not priori zed XXXX recovery, potentially violating XXXX consumer protection on standards. 
Coinbases support for XXXX-based XXXX XXXX  implies they could recover my XXXX  with existing infrastructure. 

Coinbases XXXX  support for XXXX tokens and their derivatives launch as evidence of their ability to handle Layer XXXX networks. Their failure to assist with my XXXX  recovery for XXXX years, despite this capability, is a breach of consumer trust under XXXX oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XX/XX/year> I submitted a complaint with the company complaint number XXXX due to having issues getting the card unlocked and the balance paid out to me. The response was to fax over my drivers license and marriage certificate since the license provided in documentation was expired ( it was not expired at times of being faxed ). The card has been locked for over XXXX  years now and has a balance of {$9700.00} on it. This money is my chid support money. I have been battling with them on sending in my drivers license and marriage certificate. Each time I fax it in they continue to tell me it's too dark, make it bigger. I have now faxed it over twice since my first complaint was submitted ( XX/XX/XXXX and XXXX ) and again same response.The faxed image is too dark and we need you to re-fax it. I was given a mailing address to send the documents to however I'm choosing not to do so. We have already sent it once via certified mail. We have no idea if they ever received the certified mail document due to this issue still being on going. Any help in this matter would be greatly appreciated.

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