vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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 filing this complaint because several debt-collection accounts are being reported on my credit report that resulted from identity theft. I did not authorize or open these accounts, nor did I give consent for any of the alleged debts. The collectors continue to report and attempt to collect despite my written disputes and notice of identity theft. 
The accounts are : XXXX ( {$15000.00} ) ( XX/XX/XXXX ). Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, a consumer reporting agency must block information that results from identity theft within four business days once provided with proper documentation. I have supplied such documentation, yet these accounts remain. In addition, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activityincluding credit reportinguntil verification of the debt is provided. The collectors in question have failed to provide verification or proof of my liability. Federal courts have confirmed that furnishers and bureaus may be held liable for failing to conduct reasonable investigations or for reporting inaccurate information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ). I request that the CFPB investigate these violations and require the companies involved to : Provide complete verification of each alleged debt, or permanently delete all fraudulent collection accounts from my credit report. These inaccurate entries are the direct result of identity theft and continued reporting causes significant and ongoing harm to my credit reputation.

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 2025-11-19 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/XXXX approximately around XXXX XXXX I went to XXXX and used my card for XXXX I did not check my account as it was not not necessary because I knew I had funds in my account around XXXX that same day I used my card again at the XXXX XXXX for XXXX again did not check my card because I knew the funds were on the account and I had not got not notice of transactions taking place on my account. Went to XXXX to use my card for XXXX my card had decline multiple times which led me to check my account which I did and notice the funds were missing out of my account I then made a transfer from my XXXX wallet to XXXX to cover the rest of what I need to finish the transaction at XXXX I then sat in my car to go over my account and notice a charger of XXXX at XXXX XXXX at XXXX XXXX and another charger of XXXX from XXXX XXXX at XXXX I then went to the setting to pull up the number that was connected to my account so I can call chime services to report that fraud had taken place on my account but noticed the email and phone number had been changed. I then went to my email to discover that I had not received no email or anything of the changes. I called chime service the same day to report the fraud that had taken place in my account they changed the phone number email and card numbers and reassured me that my fund would be replaced being that it was still XX/XX/XXXX when the charges took place they were still pending chime had informed me that the charged may not go through and bounce back into the account and if not I had to wait until the charges were in a posted state to dispute. The transactions had post on XX/XX/XXXX I called to dispute the transactions a representative then informed me that if could get a credit being that this was a fraud situation and once telling the representative they breaking promises that were supposed to be kept that I was going to report them but that did not turn out to be true I then followed the dispute process. The next day XX/XX/XXXX the disputed was denied as chime explained that these charges were accurate I then explained to the representative I did not make these transactions and I needed my money back to pay bills and survive they then told me I need something to prove I didnt make these transactions I then explained they took place at XXXX XXXX  while I was asleep in my home and said only thing I have is location points I did not make these transactions they asked for them to help support my claim and I sent them in here it is XX/XX/XXXX and chime has denied the dispute again and refusing to give me my funds back and I had never made a transaction with this merchants tried reaching out as well, as chime for information still nothing and no money returned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase and its XXXX XXXX app and support team are for not Not answering phones Not updating apps Not producing legal tender Not replying Not reporting Not functioning as promised and not explaining

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 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:
An account was reported on my credit report that I did not authorize or open. I contacted the company and requested full verification/validation, including the original application, signed contract, itemized statements, and all documents used to verify and furnish this account under the FCRA. The company did not provide any of the required documentation. Despite their failure to validate the account, they continued to report it to the credit bureaus. This has caused inaccurate reporting, financial harm, and a violation of my rights under the FCRA and FDCPA. I am requesting the CFPBs assistance in having this account fully investigated and removed due to lack of validation and unauthorized 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 2025-11-19 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: MS

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-19 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: MS

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXI sent a certified letter to Experian on XXXX  with tracking  XXXX XXXX XXXX XXXX XXXX XXXX  Per the XXXX  the letter was delivered on XXXX The letterXXXXstated they needed to promptly investigate the account and correct it or delete it. ThisXXXXincluded letters for accountsXXXX XXXX XXXXaccount XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXExperian failed to respond. I sent another letter on XXXX which they failed toXXXXrespond to once 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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My credit card was used at XXXX XXXX, Ky last month for over {$1000.00}. It was used at multiple places at different times. I tried to contact the company, Capital One, and they told me they would investigate it but later they told me that they did not have enough evidence and I am benefit from it, so I have to XXXX  for it. I didn't give permission to anyone, not even to my husband. And I tried to make a police report, but the officer told me they can not make a report since it is a civil matter. So, I tried to contact the company again, but it led me nowhere. I have a screen shot from my phone, a letter that capital one sent XXXX  to me ( told me they don't have enough evidence ), and i still have my physical card with me. I don't know what else to do at this point and wondering if you can help me with this. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
My Discover bill is due the XXXX  of the month and i always pay in full and set up payment online about a week before XXXX  date. XX/XX/year> i had been very ill the last week of XXXX and on XXXX/425 i looked in my checking account XXXX  XXXX  and there was no payment transfer of {$1500.00} to Discover. I immediately went to the Discover account and there was a screen saying i had to immediately pay {$930.00} to avoid my account being in arrears. I paid the {$930.00} and waited another day. I then looked at my XXXX  XXXX  checking account and saw XXXX entries to Discover {$1500.00} paid and XXXX Pending. I called Discover to reverse the {$930.00} and they said it would be XXXX business days. I explained this would make my account overdrawn at XXXX XXXX. I called XXXX XXXX  and they told me it was illegal to demand payment on a bill XXXX  days in advance. XXXX XXXX  stopped the transfer immediately and my money never left my account. The following month Discover was charging me for XXXX charges of XXXX saying i now owed {$1800.00} because they had sent that amount to my XXXX  account i had a XXXX way call with Discover XXXX  and myself and the XXXX XXXX  employed told me Discover there was no evidence of Discover sending Any credit to my account. The only action had been XXXX  stopping te double payment for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: WI

Complaint narrative:
I am disputing the following charged-off accounts with Equifax. These accounts appear inaccurate and should be corrected or removed due to discrepancies in reporting. 

Charged Off Accounts XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX Opened : XX/XX/XXXX, Balance : {$310.00} XXXX  XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX, XXXX : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Opened XXXX XX/XX/XXXX, Balance : {$8900.00} XXXX XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$9500.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$660.00} XXXX - Account Number : XXXX, Opened XXXX XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Opened XXXX XX/XX/XXXX, Balance : {$8400.00} Inquiries XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I HAVE MOVED ADDRESS AND GOT A BRAND NEW PHONE NUMBER DUE TO XXXX  XXXX  I WAS EXPERIENCING. I AM CURRENTLY WORKING WITH THE POLICE TO MAKE SURE I AM SAFE BUT MY XXXX  LIVES AT MY OLD ADDRESS AND HAS ACCESS TO MY OLD PHONE NUMBER. I AM PROVIDING SUPPPORTING DOCUMENTATION TO UPDATE MY ADDRESS PHONE NUMBER AND EMAIL PLEASE UPDATE MY CURRENT AND ONLY ADDRESS TO XXXX XXXX XXXX XXXX TX XXXX PHONE NUMBER XXXX EMAIL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

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 " XXXXXXXX XXXX XXXX XXXX XXXX - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Georgia XXXX Bankruptcy XXXX 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 XXXX-XXXX  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 : XXXX. XXXX. 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 2025-11-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I informed them that XXXX XXXX XXXX was reporting information not verified. I disputed there report. The came back with report that verified what XXXX  XXXX  did that I owed a debt of collection.

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 2025-11-19 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: CA

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. These entries contain inaccuracies, and I request they be thoroughly investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX, XXXX, XXXX, {$990.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, {$0.00} Late Payments XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief