vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
According to 15 U.S.C. 16816-2, a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I applied for a credit card out of curiosity and downloaded the terms and conditions are read through them. Then entered APPLY Within seconds I was approved but when I saw there were fees not disclosed in the terms and conditions- I went back and looked at the short terms and conditions and then searched for the FULL terms and conditions that were only made available upon acceptance. 

It was late at night so I called the next day and discovered that it was the same company with a different bank name that I had applied for a few years earlier and also immediately canceled and never used. This call took place in XXXX or XXXX of XXXX The rep asked me which account I was referring to and I was shocked. It also said that I had a {$240.00} something balance on that card but did not owe since I never activated. 

The Rep assured me that the card ( ending in XXXX ) would not be sent and that I did not need to do anything further. Yesterday on XX/XX/XXXX I received a bill of {$250.00} in fees and {$7.00} and I called them and am not able to reach anyone. I have looked them up online for complaints and there is PLENTY of fraudulent claims going on. 

Please advice. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
CFPB Complaint : Fraud-Related Credit Card and Bank Account Activity What happened : I am submitting this complaint due to extensive financial losses I suffered as the result of an organized cybercrime fraud scheme conducted through a platform known as XXXX  ( XXXX XXXX XXXX ). Over the course of several months, I was manipulated and coerced into transferring approximately {$69000.00} across multiple credit cards and bank accounts, including both personal and business funds, under false pretenses that I would be able to withdraw funds from the platform after completing specific deposit tasks. 

Despite complying with all demands which included VIP level upgrades, green channel activations, and fabricated fines for alleged violations my access to the promised funds was repeatedly denied and new barriers were introduced. 

I have extensive documentation showing the coercive and deceptive tactics used by the platform, including XXXX transcripts and communications with individuals claiming to be customer service and financial advisors. I am now left with crippling debt across several institutions, all incurred under fraud. 

I have filed an official cybercrime report with the FBIs Internet Crime Complaint Center ( IC3 ) : Submission ID : XXXX Date Filed : XX/XX/XXXX, XXXXXXXX XXXX EST Accounts and Transactions Involved : XXXXXXXX XXXX Personal Account # XXXX : XXXX : {$100.00} to XXXX XXXX : {$500.00} & {$150.00} to Coinbase XX/XX/XXXX : {$5000.00} to XXXX XX/XX/XXXX : {$1000.00} to Coinbase XX/XX/XXXX : {$2000.00} to Coinbase XX/XX/XXXX : {$2000.00} to XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX : XX/XX/XXXX : {$2000.00} to XXXX XX/XX/XXXX : {$500.00} & {$3000.00} to Coinbase XX/XX/XXXX : {$5000.00} to XXXX XX/XX/XXXX : {$1500.00} to Coinbase XXXX XXXX XXXX XXXX : XX/XX/XXXX : Cash advances of {$4000.00} and {$5000.00} XXXX : {$20000.00} personal loan XXXX XXXX Checking Account : XX/XX/XXXX : {$2100.00} wire to Coinbase XX/XX/XXXX : {$2000.00} to Coinbase XX/XX/XXXX : {$2000.00} to Coinbase XX/XX/XXXX : {$1000.00} to XXXX, {$1000.00} to Coinbase XX/XX/XXXX : {$2000.00} wire to Coinbase XX/XX/XXXX : {$3200.00} to Coinbase XX/XX/XXXX : {$200.00} to Coinbase XX/XX/XXXX : {$100.00} to Coinbase XX/XX/XXXX : {$3000.00} to Coinbase XXXX XXXX XXXX Credit Card : XX/XX/XXXX : {$3000.00} charge XXXX : XX/XX/XXXX : {$2500.00} balance transfer XXXX : {$5800.00} balance transfer XXXX XXXX XXXX : XX/XX/XXXX : {$9500.00} balance transfer from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one closed the account after it was paid to a XXXX balance back in XXXX. However, they have continued to charge late payments and interest on the account and report late payments on the accounts. The late fees assessed is excessive amounts and worth more than the interest charge. This company is also reporting late payments my XXXX for this XXXX. I called to have this resolved and even offered to pay the interest if they waived the fees just to be done with this. Theyre claiming it cant be done. How?! When its fees on interest accrued on an account closed months ago at a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hey my name is XXXX XXXX XXXX and this is not a 3rd party filing this complaint. Please removed those attached account I have with this complaint. For they do not belong to me. And it is Inaccurate reporting by furnishing this on my report. Thank you.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$750.00}

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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am a victim of identity theft. This is a follow-up to CFPB Case XXXX XXXXXXXX, which was closed despite Capital One continuing to report a fraudulent account. 

I submitted all legally required identity theft documentation to Capital One, including a police report, FTC Identity Theft Report, and proof of identity, which are already on file with the CFPB. Capital One acknowledged receipt of these documents and verified this during a phone call with their executive office on XX/XX/year>. 

Despite this, Capital One refused to block the fraudulent account, as required by FCRA 605B. Their written response ( attached ) attempts to justify continued reporting based on weak public record matches, but does not legally override their obligation to delete the account under federal law.

I am requesting that the CFPB : Enforce the immediate deletion of this fraudulent account from all credit bureaus. 

Investigate Capital Ones willful noncompliance with FCRA 605B. 

I have attached their denial letter and a summary of the XX/XX/XXXX phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX XXXX Date : XXXX XXXX To : TransUnion XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Collection/Charge-Off Account Request for Investigation and Deletion Account Name/Number : XXXX XXXX Credit Report Date : XXXX XXXX Dear TansUnion/ XXXX I am writing to formally dispute the accuracy of a collection/charge-off account listed on my credit report. The account, listed under XXXX with account number XXXX, is inaccurately reported and I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ). 

Reason for Dispute : The amount listed is incorrect and inconsistent with the original terms. 

Please conduct an investigation and provide me with the results in writing. Additionally, I request that you provide : Verification of the debt, including a copy of the original contract and payment history The name and address of the original creditor Any documentation you used to verify the accounts accuracy Under the FCRA, you are required to complete the investigation within 30 days of receiving this letter. If you can not verify the account, it must be deleted from my credit report.

Please respond to this dispute at the address listed above. A copy of my photo ID and a recent utility bill are enclosed to verify my identity.

Thank you for your prompt attention to this matter. 

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX according to XXXX  report The company named " XXXX XXXX XXXX '' has flagged my report stating that I owe them {$500.00}. I have never heard of this company, never received any written documentation from them so that I could properly dispute this accordingly. So, with that being said please be advised that this is my letter of complaint will be my official dispute of this alleged debt. I have never opened and or signed to do any business with " National Recovery Agency '' and I demand that this alleged debt is removed from my XXXX report and or any other 's in the future as I don't not owe anything to you.

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Money ( XXXX ) was wired from my savings account with XXXX XXXX XXXX XXXX XXXX to Beneficiary associated with Bank of America ( BOA ). BOA stated wire transfer was received and deposited into beneficiaries account on XX/XX/year>. Beneficiary stated no funds were received as of today. I just don't know why no one can tell me where the money went or who actually has it?

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Online banking having a technical glitch causing password to need to be changed several times. When I attempted to fix it I called the Bank of America main number. They opened a case and transferred me to a scam number that I could not see since the call was thru the main line. 

Scam line was selling medical devices to seniors.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/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