vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: HI

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion for continuing to report inaccurate and harmful information on my credit file, despite my previous attempts to correct these errors. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) and are directly damaging my creditworthiness. 

Below are the specific items in question : XXXX. Wrong Address : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Issue : This is an incorrect address that does not belong to me. 
XXXX Violated : FCRA 607 ( b ) Credit bureaus must maintain the maximum possible accuracy of the information in consumer files. 
Background : I have never lived at or been associated with this address. Its presence on my file is misleading and could result in the misassociation of accounts. Despite disputing this address, TransUnion has failed to remove it or provide verifiable documentation proving its relevance to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX  Date Opened : XX/XX/year> High Balance : {$1400.00} Issue : Inaccurate late payment reporting without proper validation. 
XXXX Violated : FCRA 623 ( a ) ( 1 ) ( A ) Information furnished to credit bureaus must be accurate. 
Background : This account is reporting a late payment that I dispute. During the reported delinquency, I was under severe financial stress due to unforeseen XXXX XXXX  and a pandemic-related job disruption. I contacted the creditor for assistance and believed payment arrangements were in place. There was no clear notice of delinquency or opportunity to resolve it before being reported. Reporting such a derogatory item under these circumstances is not only unfair but legally questionable. TransUnion failed to investigate this matter thoroughly or provide evidence justifying this negative mark. 

Requested Resolution : I am requesting the CFPB to investigate TransUnions failure to comply with FCRA provisions, specifically : Immediate removal of the incorrect address from my credit file Deletion or correction of the disputed XXXX late payment entry Assurance that all data reported on my file is verified, accurate, and complete I have attached copies of my government-issued ID and proof of current address to assist with the investigation. 

I appreciate the CFPBs assistance in holding TransUnion accountable for their negligent credit reporting practices and helping protect consumers like myself from unjust damage to their credit profiles.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within XXXX days. Please find the enclosed supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I would like to report a fraudulent XXXX transaction I made through the Bank of America XXXX. On XX/XX/year>, I sent {$250.00} to a person I now believe was a scammer. I was misled and deceived into sending this payment. Bank of America was notified and they said they would investigate but mailed back a letter saying they can not do anything, that no error has occurred. I made that claim on XX/XX/XXXX and they mailed a letter back XX/XX/XXXX, with no help. The person I sent the money to no longer has a XXXX account, so they are fraudulent account.

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent a formal debt validation request to Midland Credit Management XXXX XXXXXXXX XXXX  ( Tracking # XXXX ), which they received on XX/XX/2025. In my letter, I demanded they provide legally sufficient validation, including a copy of the original signed contract with XXXX XXXX XXXX 

On XX/XX/2025, Midland responded with a letter that completely failed to provide the requested validation. They did not provide the signed contract or any documentation from the original creditor. Instead, they illegally attempted to shift the burden of proof onto me, asking me to provide them with documentation. 

Midland 's failure to validate the debt within the XXXX window, while continuing to report it to the credit bureaus, is a willful violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today I received a notification from Experian that my account was temporarily unfrozen and had a scheduled thaw on my account. I however I did not request this. I also received a notification from Experian confirming my username request. Again, I did not request this. 
Since the fraudsters have all of my information they are able to go online or by phone impersonate me using my identity information and was given access by an Experian agent. They then unfroze my account and pulled a hard credit report for XXXX XXXX which I have since blocked. 

I have learned I am unable to speak to a live agent from Experian on the phone to block this fraudulent activity. I dont know how to get this to stop.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since this late payment does not fairly represent my payment history, I ask that it be immediately removed from my account. I've always paid on time, so this inaccurate entry is unjust. Kindly make the appropriate updates to my account.

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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Dear CFPB Representative, I am submitting this information in connection with my existing complaint against Coinbase. 
After filing my initial complaint with the CFPB, I also submitted a direct formal complaint to Coinbase arbitration link regarding serious concerns, and claiming loosing the value of my assets, demand on emotional and XXXX XXXX and furthermore including possible market manipulation and consumer harm related to the XXXXXXXX XXXX listing. 
Instead of addressing my concerns, Coinbase responded by closing my formal complaint prematurely, stating that because a CFPB complaint was pending, they would not be addressing my complaint directly. 
They further stated that my complaint was not upheld despite the fact that neither Coinbase nor the CFPB had completed a full investigation. 
I believe this action constitutes : Failure to address consumer complaints properly Premature denial of a valid grievance Possible retaliation or avoidance of regulatory oversight I am requesting that this information be added to my CFPB file, and that Coinbase be required to respond fully on the merits of both the complaint filed with the CFPB and my formal complaint submitted directly to them. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXXXXXX XXXX jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-14 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally document that XXXX has denied my repeated requests to validate and remove fraudulent items that have remained on my credit report for over a year. I have provided multiple pieces of supporting documentation, including official Police Reports and identity theft verification from the XXXX XXXX. Despite this, XXXX has failed to properly investigate or acknowledge my claims, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am now demanding that all fraudulent and unverified items be immediately removed from my credit report. Continued failure to comply will leave me no choice but to pursue further legal and regulatory action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-14 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: CA

Complaint narrative:
I am submitting this complaint regarding a XXXXXXXX XXXX account being reported on my credit report, which is not mine. I have filed a verified FTC Identity Theft Report ( XXXX XXXXXXXX ) listing this XXXX account as fraudulent. Despite providing XXXX with this documentation, they continue to report this tradeline in violation of the Fair Credit Reporting Act ( FCRA ) 1681c-2, which requires deletion or blocking upon receipt of such notice. 

XXXX justification rests on limited internal records such as a copy of a check and allegations of online application activity. However, they have not produced legally sufficient validation under FCRA or FDCPA standards, nor have they provided the original Truth in Lending Act ( TILA ) disclosures required under 15 U.S.C. 16311632 and Regulation Z. If XXXX asserts that this is my legitimate account, they must also prove that all material terms were disclosed at origination, which they have failed to do. 

Additionally, this account has been charged off. Under IRS regulations, this could have required a Form XXXX for cancellation of debt income. XXXX has failed to address whether such a form was filed, raising further compliance concerns. Their continued furnishing of this derogatory data without fully validating ownership or standing also fails under Metro 2 reporting standards and e-OSCAR reinvestigation procedures, further violating FCRA 1681s-2 ( b ). 

I request that the CFPB XXXX XXXX to permanently delete this tradeline from all consumer reporting agencies and to provide evidence of compliance with TILA, FCRA, IRS reporting, and proper dispute investigation protocols.

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 2025-07-14 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: CA

Complaint narrative:
I am submitting this complaint regarding a XXXXXXXX XXXX account being reported on my credit report, which is not mine. I have filed a verified FTC Identity Theft Report ( XXXX XXXXXXXX ) listing this XXXX account as fraudulent. Despite providing XXXX with this documentation, they continue to report this tradeline in violation of the Fair Credit Reporting Act ( FCRA ) 1681c-2, which requires deletion or blocking upon receipt of such notice. 

XXXX justification rests on limited internal records such as a copy of a check and allegations of online application activity. However, they have not produced legally sufficient validation under FCRA or FDCPA standards, nor have they provided the original Truth in Lending Act ( TILA ) disclosures required under 15 U.S.C. 16311632 and Regulation Z. If XXXX asserts that this is my legitimate account, they must also prove that all material terms were disclosed at origination, which they have failed to do. 

Additionally, this account has been charged off. Under IRS regulations, this could have required a Form XXXX for cancellation of debt income. XXXX has failed to address whether such a form was filed, raising further compliance concerns. Their continued furnishing of this derogatory data without fully validating ownership or standing also fails under Metro 2 reporting standards and e-OSCAR reinvestigation procedures, further violating FCRA XXXX ( b ). 

I request that the CFPB XXXX XXXX to permanently delete this tradeline from all consumer reporting agencies and to provide evidence of compliance with TILA, FCRA, IRS reporting, and proper dispute investigation protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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 am submitting this complaint regarding a XXXXXXXX XXXX account being reported on my credit report, which is not mine. I have filed a verified FTC Identity Theft Report ( XXXX XXXXXXXX ) listing this XXXX account as fraudulent. Despite providing XXXX with this documentation, they continue to report this tradeline in violation of the Fair Credit Reporting Act ( FCRA ) 1681c-2, which requires deletion or blocking upon receipt of such notice. 

XXXX justification rests on limited internal records such as a copy of a check and allegations of online application activity. However, they have not produced legally sufficient validation under FCRA or FDCPA standards, nor have they provided the original Truth in Lending Act ( TILA ) disclosures required under 15 U.S.C. 16311632 and Regulation Z. If XXXX asserts that this is my legitimate account, they must also prove that all material terms were disclosed at origination, which they have failed to do. 

Additionally, this account has been charged off. Under IRS regulations, this could have required a Form XXXX for cancellation of debt income. XXXX has failed to address whether such a form was filed, raising further compliance concerns. Their continued furnishing of this derogatory data without fully validating ownership or standing also fails under Metro 2 reporting standards and e-OSCAR reinvestigation procedures, further violating FCRA 1681s-2 ( b ). 

I request that the CFPB XXXX XXXX to permanently delete this tradeline from all consumer reporting agencies and to provide evidence of compliance with TILA, FCRA, IRS reporting, and proper dispute investigation protocols.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT XXXX XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
This is not my debt. I am a victim of identity theft. 
This account was opened or used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report.

Reporting or attempting to collect this debt also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 8 ), which prohibits false credit reporting of a debt that is known to be disputed. 

I have filed an identity theft report and can provide documentation upon request. Please delete this account and confirm in writing.

Company response to consumer: Closed with non-monetary relief