vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I discovered multiple unauthorized hard inquiries on my Equifax credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries occurred on XX/XX/XXXX and XX/XX/XXXX, but I have had accounts with them since XX/XX/XXXX and XX/XX/XXXX, and I did not authorize any new credit requests. 

XXXX accessed my report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but I did not apply for any XXXX XXXX XXXX  until XX/XX/XXXX. 

These inquiries were made without my consent and without a permissible purpose under 15 U.S.C. 1681b. I am requesting the removal of these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding inaccurate and inconsistent reporting by the major credit reporting agenciesTXXXX XXXX and XXXXconcerning my Macys/American Express account

. Specifically : XXXX  and XXXX  are reporting the account as closed.

XXXX, on the other hand, is reporting the account as 120 days late.


This discrepancy is not only confusing and misleading, but it also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to consumer reporting agencies be accurate and consistent across all bureaus. I did not authorize nor was I made aware of any activity that would warrant this derogatory and inconsistent reporting. The conflicting information is damaging my creditworthiness and financial standing. I am requesting that this matter be fully investigated and that the inaccurate derogatory reporting be removed from my credit reports with all three bureaus immediately. Please let me know what additional information or documentation is required to move this forward. Thank you for your assistance in this matter.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dispute of Debt XXXX Dear XXXX, EXPERIAN, TRANSUNION XXXX EQUIFAX I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dispute of Debt XXXX Dear XXXX, EXPERIAN, TRANSUNION XXXX EQUIFAX I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-22 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-22 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: SC

Complaint narrative:
I did a balance transfer to pay off my XXXX 's XXXX XXXX XXXX. Instead of charging the balance transfer from my XXXX XXXX to pay off the balance to XXXX on the XXXXXXXX XXXX it was charged as a purchase which drove my credit utilization rate significantly hirer and lowered my credit score drastically.

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 2025-04-22 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-22 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: PA

Complaint narrative:
I requested the removal of the following Charge offs ' to be removed from my credit report in which only one of them was removed/deleted from all the Bureaus including Transunion, Experian and Equifax. The Charge offs listed below are currently still showing on my report and having a negative effect on my credit score. XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/year> with a charge off amount of {$1100.00} is the first one. The second one is XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  opened XX/XX/year> with a charge off amount of {$6700.00}. The third one is XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX with a charge amount off {$700.00}. The fourth one is XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  with a charge off amount of {$2000.00}. A stated under the Internal Revenue Service publications 4681 a charge off is considered a certificate of indebtedness which is considered income. In which income can not be reported on a credit report and must be removed. I also never received a 1099 from none of the companies for the cancelled debt in order to file as ordinary income which is required by the Internal Revenue Service for debts over {$600.00}

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 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Approximately one month ago I received a smishing text message informing me that there was an attempt to transfer funds from my Coinbase account. As a result, I locked my account to prevent fraudulently activity. When attempting to unlock my account, I realized I no longer had access to my XXXX method, and was unable to recover my account without assistance. 

I have performed ID verification successfully at least four times in an attempt to regain access to my account, however when following the process outlined to me via email, my efforts have been unsuccessful repeatedly. For the past week, my inquiries to Coinbase have gone unanswered. 

This is a significant issue for me as I'm unable to access my account and the funds in it. The problem is persistent for at least one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian\nRE: Requesting you Block and Remove Fraud from My Consumer Report\n>I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report  which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c (a), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must\npromptly address such requests within four business days of receiving a complaint that includes the following information:  XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX .I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of XXXX  as specified in\n>15 U.S.C 1692k.\n> Defamation of Character\n>Negligent Enhancement of Identity Fraud\n>Violation of the Fair Credit Reporting Act\n>Violation under 15 U.S. Code § 1681o - Civil liability for negligent non compliance\n>Violation under 15 US Code 1681n (b) - Civil liability for willful non-compliance\n>Failing to comply with 15 USC 1692(g)\n>Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports\n>Under 15 U.S.C. 1681i (7) Method of verification\n>Violations under 15 USC 1681 a (4) right to privacy\n>Violations under 15 U.S. Code § 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated . Sincerely 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 2025-04-22 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: SC

Complaint narrative:
PLEASE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, DEFENDENT ADMINISTRATIVE PROCEEDING File No. 2025-CFPB-0002 SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have been banking with chime prepaid debit card company for XXXX years and, I wanted to check my account transaction history because my fund should not be gone yet. In Chimes banking app I could not pull up my transaction history before XX/XX/2025 or on the website. I called Chime customer support and requested my account summary for XXXX and told them I could not pull up my transaction history on the app or website there was no explanation give to why I could not see my transactions but I was give a account summary by email. From there I noticed my account summary does not match my transaction history. In my account summary you can see I had deposits totaling {$9500.00} and ATM withdrawals of - {$1500.00}, purchases of - {$3500.00} and there is a total of adjustments for - {$7500.00} that I do not recognize. The end balance is- {$12.00}. It does not even make sense The Chime representing stated the adjustments were merchant fee. In the transaction history there is only XXXX showed adjustments, XXXX for- {$2.00} and XXXX for - {$100.00}. If it had been merchant fee the account would have been negative- {$3500.00} what i see is they owe me {$4300.00} from my calculations of my known neagtives in my account ( from the ATM withdrawls and purchase ). I spoke with several Chime representives and a supervisor who hung up on me mid conversation and got no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received the results from TransUnion regarding multiple accounts I formally disputed. TransUnion failed to provide any supporting documentation or valid proof for the accounts in question. Instead, they simply marked several as Verified as Accurate or Updated, without conducting a proper investigation as required under the Fair Credit Reporting Act ( FCRA ).

Here is a breakdown of the accounts and issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Marked as Verified and Updated. The account continues to report 120-day late payments and is labeled as Charged-Off, yet no contract, billing statement, or validation of the debt was provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Verified with a charged-off status and a balance of over {$10000.00}. No documents or evidence to validate the debt or prove my responsibility were included. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Verified with a balance of {$13000.00} and late payments. Again, no documentation was supplied to justify this continued negative reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Still showing charged-off and derogatory history through XXXX with no proof submitted. Only cosmetic updates were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Listed as settled, yet it still reflects derogatory marks and negative history even post-settlement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Paid in full, yet TransUnion continues reporting Charge-Off with conflicting payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Still marked as Charge-Off even though it was paid. No verification documentation was provided. 


None of these accounts were properly validated. TransUnion did not submit signed contracts, payment records, or verification from the original furnishers. Their actions violate FCRA 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ), as they continue to report harmful and unverifiable data without evidence.

This negligence is now directly affecting my financial opportunities, including a recent denial of credit by XXXX XXXX XXXX XXXX. 

I am requesting immediate regulatory review and enforcement requiring TransUnion to permanently delete all disputed accounts that remain unverified, and provide me with an updated credit report free from this inaccurate data.

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