vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and am filing this complaint based on the Florida-notarized Statement of Identity Fraud I previously sent to Experian. I recently discovered that my credit report contains numerous fraudulent accounts and unauthorized inquiries that were opened or initiated without my knowledge, permission, or authorization.

I have not received any money, goods, or services from these fraudulent items. This identity theft began around XX/XX/XXXX, and I first became aware of it in XX/XX/XXXX. I have sent a formal dispute letter, my affidavit of identity theft, and my identifying documents to Experian, demanding that these items be blocked and removed under FCRA 605B. 

The following fraudulent accounts are incorrectly reporting on my Experian credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, there are numerous unauthorized inquiries on my Experian report resulting from this identity theft. A complete list of these inquiries is detailed in my formal dispute letter and the attached documents that I will be annexing.

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 2025-11-07 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: MI

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-07 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: FL

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate.

I am having trouble with my credit applications because of it, which is extremely frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate. 
I am having trouble with my credit applications because of it, which is extremely frustrating.

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 2025-11-07 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: VA

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

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I created an Equifax account to freeze my credit, which I was able to do successfully. However, when I tried to log in today to check my credit and possibly unfreeze it ( as Im considering applying for a credit card ), I was unable to access my account.

Each time I sign in, I receive an error message that says : We are temporarily unable to complete this request. Please try again later.

I have attempted to contact Equifax customer support, but they have not resolved the issue. As a result, I am currently unable to view my credit report, check my credit score, or unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am disputing the following accounts listed on my Equifax report. I respectfully request that you review and investigate these items for accuracy, as they may be incorrectly reported or incomplete. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Subject : Complaint Cryptocurrency Investment Scam via XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint to report a cryptocurrency-related financial scam that resulted in the loss of personal funds. In XX/XX/year>, I was misled by a website called XXXXXXXX XXXX XXXX, which falsely claimed to be affiliated with XXXX XXXX and promoted a digital asset named XXXX XXXX. 
The site offered a pre-sale opportunity and promised future public listing at {$12.00} per token. Believing the offer to be legitimate, I used my Coinbase wallet to purchase {$1000.00} USD worth of XXXX XXXX. The transaction was completed through the wallet address provided by the site. 
After the purchase, the site displayed a fabricated token balance of XXXX XXXX, allegedly worth over {$56000.00} USD, and encouraged me to initiate a withdrawal. However, I now believe this was a fraudulent scheme designed to extract further funds or personal information. 
Details : WebsitXXXX XXXX XXXX XXXX XXXX XXXX name : XXXX XXXX  XXXX  used : Coinbase Amount invested : {$1000.00} USD Date of transaction : XX/XX/year> Email used : XXXX Transaction ID and wallet address available upon request. 
I respectfully request that the CFPB investigate this fraudulent activity and provide guidance on any possible recovery options or further steps I should take. I am also concerned that other consumers may be targeted by this scheme. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies and incomplete information on my credit reports with Equifax, Experian, and TransUnion. The details below highlight the accounts that are in dispute, and I respectfully request an immediate investigation into these issues. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2300.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} Inquiries : XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I have several items reporting on my credit file that are inaccurate, unverified, and not supported by any original signed documentation. I have already disputed these items directly with the credit bureaus and requested verification, but they continued reporting the same information without validating anything. These accounts and inquiries were never authorized by me and the credit bureaus have not provided any proof that I agreed to or opened these accounts. 

Because of their failure to properly investigate and validate, these items have continued to negatively impact my credit scores, cause financial harm, and are misleading to any potential lenders. This information remains unverified and is still being published even though I have challenged it multiple times. I am filing this CFPB complaint because the bureaus did not correct or remove the inaccurate information after being properly notified.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bonneville Billing and Collections
State: WY

Complaint narrative:
Company rep told me I was a XXXX XXXX and to try and sue as they apparently have better attorneys

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S Bunkruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-07 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: NY

Complaint narrative:
They have old addresses that were removed from my account and are using illegal and fraudulent name on my accounts.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a consumer currently reviewing and repairing my credit reports. I have identified multiple inaccurate, incomplete, or unverifiable items being reported by the credit bureaus listed below. I am submitting this statement to request a thorough reinvestigation and removal or correction of these accounts and inquiries in accordance with the Fair Credit Reporting Act ( FCRA ).

Charged Off Accounts I am disputing one or more charged-off accounts being reported by Experian. These accounts are either inaccurate or unverifiable. Please provide proper documentation from the original creditor or remove them entirely if they can not be validated. 

Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries appear on my Experian report but were not authorized by me. I request that Experian investigate these inquiries and remove any that can not be verified with proper consumer authorization. 

Late Payments XXXX XXXX XXXX Account XXXX XXXX This account is inaccurately reflecting late payments. Please conduct a reinvestigation and correct the payment history if no verifiable evidence supports these delinquencies.

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 2025-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
I signed up for a USAA account a few years ago and was giving an account number. Since then I've been on my account and noticed that they only gave me access to 3rd party account quotes. I spoke with them and was told by several people through customer service I would be able to access USAA quotes. I called today to see why I was giving 3rd party quotes and they asked me if my husband was military, I said yes and was XXXX  on XXXX XXXX. They then told me he had to of established an account before his XXXX. Then I was told by some one I could of been .XXXX  by the government after my husbands time in the military. I think this is wrong as I have family members who are usaa members. Where does the line get drawn when family members are affiliated with usaa.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: FL

Complaint narrative:
Ive recently got a credit report and it goes as follow date XX/XX/year>. They found a late payment company name MOHELA department of education. There were two loans taken out one in the amount of {$2900.00} The second the amount of {$4400.00}. This was taken out XXXX years ago for months phone number for that company is XXXX address XXXX XXXX XXXX, XXXX, MO XXXX. I XXXX XXXX do not have any recognition of these loans nor did I process these loans

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please delete immediately 2. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX Account Number : XXXX Please delete immediately 3. Under 15 USC 1692g. Validation of debts XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please delete immediately 4. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please delete immediately

Company response to consumer: Closed with non-monetary relief