vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit file. According to my most recent credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. I am requesting that you investigate this matter, contact the furnisher of this information, and correct the late payment entry from my credit file immediately. 
Please provide me with written confirmation of your investigation results and the actions taken. If the creditor can not substantiate the reported late payment with verifiable evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XXXX, while I was outside of the United States, my credit card was fraudulently used without my knowledge. At the same time, I did not receive any billing statements and was unable to log into my XXXX XXXX  account from overseas. Because of these circumstances, I was not aware of the charges or payment due dates, which resulted in a late payment being reported. The account was later closed, but the balance was eventually resolved and paid in full.

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 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence is a dispute regarding a fraudulent account that has been reported under my credit file. I have no connection with this account, and I never authorized or opened it. Its reporting is false and unfairly harming my financial standing.

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 2025-08-28 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: MO

Complaint narrative:
Last year, XXXX XXXX closed my account without telling me, following a mistaken investigation into my identity. They admitted their mistake, but since the account was already closed, I didn't want to deal with them. I paid the remaining amount and thought I was done with it. 

However, they charged me a few extra dollars that they never mentioned, along with late fees, which has negatively impacted my credit score. I thought it was an error, but I've realized it has been affecting my credit for almost half a year. 

I asked them to fix this, and they told me they were starting an investigation. More than a month has passed with no reply. I just called them again, and they told me I must wait. This seems like a very simple problem, and I don't understand why a long investigation is needed. I feel they aren't even looking at it. I want them fix my credit score asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute multiple entries on my TransUnion credit report that I believe to be inaccurate, unverifiable, or legally questionable under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). The following items are being reported with charge-off, collection, or inquiry status and are negatively impacting my credit standing. I am requesting a complete reinvestigation and validation for each of the listed items below. 
XXXX XXXX XXXX XXXX * * * * Balance : {$8100.00} XXXX XXXXXXXX XXXX XXXX * * * * Balance : {$3100.00} XXXX XXXXXXXX XXXX XXXX * * * * Balance : {$2200.00} XXXX XXXXXXXX XXXX XXXX * * * * Balance : {$7600.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2025-08-28 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:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
On an unspecified date, XXXX XXXX  was sent from XXXX  to a Coinbase custodial address ( XXXX ) on the XXXX XXXX. Coinbase doesnt support XXXX, only XXXX XXXX, so the funds are inaccessible. Coinbases XXXX XXXX XXXX doesnt support XXXX, and they closed the case on XX/XX/2025, stating escalation wont help unless XXXX is supported and that its the senders responsibility to check supported networks. Coinbase controls the private keys and could transfer the CRO to a XXXX wallet for bridging to ERC-20, but theyve refused. Actions taken : multiple requests to Coinbase for a manual transfer, with the latest response on XX/XX/2025, suggesting filing a complaint via https : //help.coinbase.com/en/contact-us/submit-a-complaint. Next steps : file complaints with CFPB ( https : //www.consumerfinance.gov/complaint/ ) and XXXX  ( XXXX XXXX XXXX ), send XXXX final Coinbase text support message, request XXXX confirmation of bridging capability, and consider professional recovery ( fees : XXXX %, ~ $ XXXX for XXXX XXXX  at $ XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
Subject : Formal Notice of Intent to Pursue Legal and Criminal Action for Fraudulent and Illegal Credit Reporting Practices To Whom It May Concern, This letter serves as a formal notice that I am pursuing legal remedies against Experian for unlawful, fraudulent, and negligent handling of my consumer credit file. Your companys actions and omissions have directly contributed to financial harm and personal XXXX. 

Specifically, I am holding Experian responsible for the following violations and illegal practices : Fraudulent credit reporting Maintaining and disseminating inaccurate, incomplete, and misleading information. Participation in identity theft Permitting fraudulent accounts and inquiries to be associated with my file. Wire fraud Transmitting false and misleading data electronically across state lines. Illegal credit tampering Altering or suppressing accurate credit data. Fraudulent refusal to report legitimate credit lines Failing to accurately reflect accounts that exist and may have been fraudulently opened. Credit score manipulation/repression Artificially lowering my credit standing through fraudulent actions. Illegally removing accounts from my credit report Allowing fraudulent accounts to be opened in my name, then deliberately deleting or suppressing them from my report so they do not show up, thereby obstructing full disclosure and violating consumer protection laws. Consumer protection violations Engaging in deceptive, fraudulent, and negligent practices in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act, and federal criminal statutes addressing fraud, identity theft, and wire 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 2025-08-28 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/XXXX Credit Report Dispute under FCRA Request for Investigation and Correction of Inaccurate Late Payment Entries To Whom It May Concern, I am submitting this complaint regarding inaccurate late payment information reported on my credit file by TransUnion. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666b and other relevant laws, I request the CFPBs assistance in investigating and correcting this inaccurate information The accounts I dispute are : XXXX Account Opened : XX/XX/XXXX Disputed Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Disputed Late Payments : XX/XX/XXXX, XX/XX/XXXX These accounts have been paid and closed, yet TransUnion reports late payments inaccurately. I was never notified properly of any delinquency within the time frame required by 15 U.S. Code 1666b, which requires payments within a grace period to not be treated as late and to be reported accurately.

Under 15 U.S.C. 1681e ( b ), TransUnion must maintain reasonable procedures to ensure maximum possible accuracy of information in credit files. The fact these late payments appear only on TransUnion and not on other nationwide credit bureaus indicates inaccuracies or improper matching. 

Per the FCRA, all data reported must be accurate and verifiable. If creditors can not provide proof these payments were late or that I was notified according to legal requirements, these entries must be deleted immediately. 

I request the CFPBs assistance in ensuring TransUnion investigates these accounts, verifies the accuracy of the reported late payments, and corrects or removes any inaccurate information. 
Attached are copies of my government-issued ID, proof of address, and supporting documents. 
Thank you for your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-08-28 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-08-28 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: IN

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 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 2025-08-29 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I am formally requesting validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 809. Please provide documentation that verifies this debt, including but not limited to : The name and address of the original creditor.

The original account number.

The amount of the alleged debt, including a breakdown of fees, interest, and other charges.

Proof that you are legally authorized to collect on this debt in my state.

Copies of any judgments, contracts, or agreements that prove I am legally obligated to pay.

Be advised that until proper validation is provided, you must cease all collection activity and reporting of this debt to credit bureaus, as continued reporting without validation violates the FDCPA and the Fair Credit Reporting Act ( FCRA ).

This request is not an acknowledgment of liability for the alleged debt. Please also note that all further communications must be in writing.

I expect your full compliance with federal law and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia Debt Recovery is reporting a debt originally {$5800.00}, but the balance has been increased each month without explanation, now showing {$6700.00}. I disputed this with the credit bureaus, but the amount remains inaccurate. I request the company validate all charges beyond the original debt and correct the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: ME

Complaint narrative:
Complaint Regarding Reinserted Identity Theft Account To Whom It May Concern, I am writing to formally submit a complaint regarding an issue with TransUnion and an account that I have already disputed as identity theft. 

Specifically, I disputed an account reported by XXXX XXXX with TransUnion as fraudulent, as it was the result of identity theft. After my dispute, TransUnion conducted an investigation and deleted the account from my credit report. However, the same account has since been reinserted into my credit file without proper notification or verification. 

This reinsertion has caused me continued harm, as it inaccurately reflects on my credit history. Under the Fair Credit Reporting Act ( FCRA ), a credit reporting agency must notify a consumer in writing within XXXX business days of reinserting previously deleted information, and must ensure that the furnisher has certified the information as accurate. To my knowledge, neither requirement was met. 

I am requesting the CFPBs assistance in ensuring that : XXXX. This fraudulent XXXX XXXX account is permanently removed from my TransUnion credit file. 


XXXX. TransUnion complies with FCRA requirements regarding reinsertion of disputed information. 


XXXX. I receive written confirmation that this account will not reappear in the future. 



I have attached copies of my dispute correspondence, TransUnions initial deletion confirmation, and my identity theft report for your review. 

I also uploaded snapshots of my Transunion of proof that Transunion deleted the identity theft from my credit account and then the following day put back the fraudulent/identity theft account community credit union back on my credit account Thank you for your time and assistance in resolving this matter. 

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