vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-14 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against the following credit reporting agencies and/or data furnishers for failing to comply with their obligations under 15 U.S.C. 1681c-2, a section of the Fair Credit Reporting Act ( FCRA ) which requires the blocking of information resulting from identity theft. 


XXXX XXXX XXXX XXXX {$6600.00} XXXXXXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
I am facing a very difficult time as a victim of identity theft. These accounts were opened without my knowledge or consent. This ongoing fraudulent activity is causing me significant distress and disrupting my daily life. 

The elements include : XXXX XXXX XXXX XXXX XXXX - opened in XX/XX/XXXX XXXX - Collection - opened in XX/XX/XXXX And this inquiries CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax and TransUnion continue to report an inaccurate and inconsistent XXXX XXXX XXXX account ( ending in XXXX ), even though Experian has already deleted this same account for verified inaccuracies. 
This account has been charged off since early XXXX, yet both bureaus continue to update it as if it were still active or receiving payments. The files also show different last payment dates, status update dates, and payment histories, which are contradictory and violate FCRA 1681e ( b ) ( accuracy ) and 1681i ( a ) ( reasonable reinvestigation ). 
I have disputed this account multiple times and provided proof, including XXXX deletion confirmation and prior CFPB correspondence, yet both bureaus failed to correct or verify the data properly. These actions violate 1681i ( a ) ( 6 ) ( B ) ( iii ) by not providing a proper XXXX of XXXX and 1681i ( a ) ( XXXX ) for possible reinsertion without notice. 
Because Experian has already deleted this account, Equifax and TransUnion are required by law to ensure consistent accuracy and remove the same account from my reports. I request that the CFPB order immediate deletion and review both bureaus compliance with the FCRA. Please email and mail me with proof of deletion of this account within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Self Financial Inc.
State: VA

Complaint narrative:
Transform credit randomly was pulling {$25.00} out of my account per month, then when I inquired about getting that money back out of Ive {$200.00} I only could get back {$80.00} of something I didnt I didnt set up or agree with actually none of the terms set by this company has been in the favor of helping me I want all there stuff removed from my credit report they took it upon there selves to hit someone down and think nothing can be done to them or they dont have consequences and its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding multiple inaccurate items on my credit report that have caused me financial and personal distress. Despite my previous attempts to correct these errors with the credit bureaus, the inaccuracies remain. I request CFPB intervention to ensure my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., are fully enforced and that all unverifiable or inaccurate items are corrected or deleted. 
Account Disputes XXXX  XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Charge Off. I have no knowledge of this account. This may be a result of identity theft or error. Under FCRA 1681i ( a ), I demand verification and request deletion if unverifiable. 

XXXX  XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Charge Off. I do not recognize this account. I request deletion as it appears inaccurate and unverified. 

XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$1600.00} Charge Off. I do not acknowledge this account and request deletion under FCRA rules for unverifiable information. 

I request CFPB intervention to ensure that the credit bureaus conduct a thorough investigation and remove or correct all inaccurate, unverifiable, or fraudulent information. This inaccurate reporting is causing harm to my financial standing and is in violation of FCRA provisions. 
I expect written confirmation of all actions taken in response to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using XXXX numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me about recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicated that XXXX has not only neglected protect consumers but also has allowed repeat offenders exploited the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Violations include Responsibilities of Furnishers : 15 USC 1681 ( s ) -2/ Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) / Verification : 15 USC 1681i ( 7 ) I am an XXXX  and TransUnion data breach consumer. My XXXX  was impacted by the XXXX breaches. I have evidence confirming my XXXX  was impacted. As a direct result, my credit file contains fraudulent accounts I never authorized. and now they need to be held responsible! 

I never authorized these accounts ; they are fraudulent : a ) XXXX  : XXXX XXXX XXXX {$17000.00}. Opened XX/XX/XXXX b ) XXXXXXXX XXXX XXXX XXXX XXXX  {$2600.00}. Allegedly opened XX/XX/XXXX I further assert and your agency has failed to provide a meaningful resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent. There is no legal admissible evidence to verify the accuracy. I am requesting for the third time that the fraudulent information be deleted.

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 2025-10-14 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-10-14 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-10-14 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: NC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-14 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: NJ

Complaint narrative:
As I was going over my report I noticed a couin of inquiries that I am not fimiliar with I have fully investigated my rights in this matter. Under the XXXXXXXX XXXX XXXX  XXXX  XXXX, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Credit report is fraudulent and full of inadequate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up regarding the complaint I previously filed about inaccurate items that Equifax continues to report despite my repeated disputes and submissions of documentation. Ive done everything a consumer can reasonably do Ive provided proof, followed instructions, and waited for Equifax to handle the matter properly. Yet the same information that should have been deleted is still showing on my credit report, and my confidence in the process has slowly eroded with every delay. 

I know that under the Fair Credit Reporting Act, Equifax is required to conduct reinvestigations that are fair, thorough, and timely, and that unverifiable or inaccurate data must be deleted. But from my perspective, it feels as though the reinvestigation process was either rushed or automated without meaningful review. The consequences for me have been very real limited credit opportunities, emotional distress, and the feeling that my efforts to correct these wrongs are being dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have a COINBASE debit card and there are XXXX refunds that are in pending statuses. 

XXXX from XXXX for XXXX and a from XXXX for XXXX. 

They said the refund was successful and the merchant provided the funds but it takes XXXX business days for it to reflect on my account. It hasnt and they havent given me any reason why. They just said theyll escalate it. Theyre holding my money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX  did not give me promotion bonus after i completed all qualifications

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My identity was stolen and multiple fraudulent bank accounts were opened in my name without my knowledge or consent. The following accounts were fraudulently created using my personal information : XXXX XXXX Account XXXX XXXX XXXXXXXX NAVY FEDERAL CREDIT UNION Routing XXXX XXXX XXXX | Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Routing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXg # : XXXX | Account XXXX XXXX XXXXXXXX These accounts were not authorized by me and were established as a result of identity theft. I am requesting that these fraudulent accounts be removed and blocked from my XXXX XXXX XXXX file in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ).

Per FCRA 605C, once an identity theft report is provided, a consumer reporting agency must block and remove all information resulting from identity theft within XXXX ( XXXX ) business days. I have already provided supporting identification and documentation ( including my FTC Identity Theft Report, proof of identity, and address verification ). 

Please confirm in writing that these fraudulent accounts have been deleted from my file and will no longer appear in any reports furnished by XXXX XXXX XXXX or any affiliated institutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation