vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-20 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-20 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year>2025 Experian XXXX XXXX XX/XX/year>2025 Experian XXXX XXXX XXXX/XXXX/2025 Experian

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 2025-06-20 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: DC

Complaint narrative:
I am filing this complaint to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681i ( a ) ( 5 ) ( B ), by Equifax, TransUnion, And Experian 1. Dispute of Inaccurate Information On XX/XX/year>, I submitted a formal dispute to regarding the accuracy of the following item ( s ) on my credit report : Experian, TransUnion, Equifax Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days of receiving the dispute. 

2. Failure to Properly Reinvestigate or Remove Inaccurate Information Despite providing evidence that the information was inaccurate, the agency : Failed to reasonably reinvestigate the item ( s ), or Reinserted the disputed item ( s ) without proper certification or notification to me.

Under 1681i ( a ) ( 5 ) ( B ), if previously deleted information is reinserted, the agency must : Certify that the information is accurate, and Notify the consumer in writing within 5 business days.

This did not occur.

3. Violation Summary Therefore, I believe that [ Experian, TransUnion and Equifax ] has violated my rights under : 15 U.S. Code 1681i Failure to conduct a proper reinvestigation and remove inaccurate information.

15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Failure to notify me of the reinsertion of previously deleted or disputed items.

4. Resolution Requested I respectfully request that the following actions be taken : A full and proper reinvestigation of the disputed item ( s ). 
Permanent deletion of any unverifiable or inaccurate items. 
Written confirmation of the actions taken. 
Compliance with all notice requirements under the FCRA. 

I have enclosed copies of my original dispute, supporting evidence, and a copy of my credit report showing the inaccurate information

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 2025-06-20 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: DC

Complaint narrative:
I am filing this complaint to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681i ( a ) ( 5 ) ( B ), by Equifax, TransUnion, And Experian 1. Dispute of Inaccurate Information On XX/XX/year>, I submitted a formal dispute to regarding the accuracy of the following item ( s ) on my credit report : Experian, TransUnion, Equifax Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days of receiving the dispute. 

2. Failure to Properly Reinvestigate or Remove Inaccurate Information Despite providing evidence that the information was inaccurate, the agency : Failed to reasonably reinvestigate the item ( s ), or Reinserted the disputed item ( s ) without proper certification or notification to me.

Under 1681i ( a ) ( 5 ) ( B ), if previously deleted information is reinserted, the agency must : Certify that the information is accurate, and Notify the consumer in writing within 5 business days.

This did not occur.

3. Violation Summary Therefore, I believe that [ Experian, TransUnion and Equifax ] has violated my rights under : 15 U.S. Code 1681i Failure to conduct a proper reinvestigation and remove inaccurate information.

15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Failure to notify me of the reinsertion of previously deleted or disputed items.

4. Resolution Requested I respectfully request that the following actions be taken : A full and proper reinvestigation of the disputed item ( s ). 
Permanent deletion of any unverifiable or inaccurate items. 
Written confirmation of the actions taken. 
Compliance with all notice requirements under the FCRA. 

I have enclosed copies of my original dispute, supporting evidence, and a copy of my credit report showing the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-20 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-20 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: NY

Complaint narrative:
I have sent dispute requests to TransUnion, Equifax and Experian regarding the following account numbers : [ XXXX ]. The date of these disputes are as follows : [ XX/XX/scrub>/25 ]. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint to request the prompt removal and blocking of unauthorized accounts from my credit report. I did not open, authorize, or recognize these accounts, and I am unaware of how they appeared. Under the provisions of USC 1681g, I am formally asking that these accounts be removed within 15 days. Supporting documentation has been included for your review. Additionally, the information reported by each credit bureau regarding these accounts is inconsistent and incorrect.

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 2025-06-20 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
PLEASE DELETE THE FOLLOWING UNAUTHORIZED HARD INQUIRIES : Please apply the true protection necessary required under the Privacy Act and have each of these financial institutions have on file either a hard copy signature authorization, or at the very least an e-signature authorization. If these documents are not available, please delete the inquiry. In cases where the inquiry is listed past the XXXX maximum timeline, please remove it based on those grounds. In some cases, an inquiry will not have true originality. As in this case, this institution kept pulling multiple hard-hit inquiries without a legitimate business need or continuous authorization. This is truly a violation under the Fair Credit Reporting Act inquiry authorization compliance protocol. Written Authorization : creditors must procure authorization on each request for advancement of credit, and the language in credit applications to ensure clear consent and to have a record of it. Privacy : The FCRA aims to protect consumer privacy by imposing limitations on who can obtain consumer reports and for what reasons. Violations : Obtaining a consumer report without a permissible purpose is a violation of the FCRA. In summary, for creditors, the FCRA Inquiry Authorization Section primarily relies on the permissible purpose of the inquiry, which is generally established when a consumer initiates a credit transaction, such as applying for a loan or credit card. Every hard inquiry in the case of this creditor does not exist. The appropriate measure is the deletion of the inquiry permanently. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm account opened fraudly without my permission these company agent didn't said about they going to do these.These account paid and close but Affirm didn't want to settlement they scam me they cheat with me they make fake report in XXXX credit report about me. Now XXXX  not removing my credit report affirm account also they tried last week call me and tried to scam me.I want to remove my affirm account number is XXXXXXXX XXXX XXXX XXXX XXXXI need help from XXXX  to removed Affirm from my credit report. 

Affirm mailing address is XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I used my debit card to purchase {$300.00} worth of cryptocurrency through Coinbase. Shortly afterward, I transferred the coins to a website called XXXX, which advertised itself as a legitimate betting platform but turned out to be an advance-fee scam. 

On XX/XX/year>, I purchased {$330.00} of cryptocurrency via XXXX XXXX through Coinbase and again transferred the coinsthis time based on the same scam sites representationsonly to discover it was fraudulent. 

Once I realized both transactions were scams, I : Filed XXXX XXXX disputes with my bank ( XXXX XXXX ) for each debit. 

Received a provisional credit of {$330.00}, which XXXX XXXX subsequently reversed, and had the {$300.00} dispute denied outright, on the grounds that Coinbase rendered service. 

Contacted Coinbase multiple times requesting they freeze or reverse the scam transfers and provide transaction confirmation or delivery details ; Coinbase refused, citing lack of post-transfer fraud recovery. 

Filed an XXXX complaint, a California Attorney General complaint, and a DFPI complaint. 

Neither Coinbase nor XXXX XXXX has offered any restitution or meaningful remedy. I am seeking CFPB assistance to recover my total loss of {$630.00}, enforce consumer-protection rules, and compel Coinbase to implement fraud-recovery safeguards for future crypto transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXX Experian XXXX OF XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX CO XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-06-20 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: NY

Complaint narrative:
I have sent dispute requests to TransUnion, Equifax and Experian regarding the following account numbers : [ XXXX ]. The date of these disputes are as follows : [ XX/XX/scrub>/25 ]. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections.

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 2025-06-20 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: NY

Complaint narrative:
I have sent dispute requests to TransUnion, Equifax and Experian regarding the following account numbers : [ XXXX ]. The date of these disputes are as follows : [ XX/XX/scrub>/25 ]. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections.

Company response to consumer: Closed with non-monetary relief