vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: NC

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 non-monetary relief
Consumer complaint received 2025-06-05 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: CT

Complaint narrative:
b'Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance\n with Section 605B of the FCRA (15 U.S.C.  1681c-2(a)), please block and remove them\n within 4 days:  \nAlso, would like to have all addresses and names REMOVED from my credit report, except\n for my only name and address listed below:\n Name:XX/XX/XXXXddress:XX/XX/XXXX CTXX/XX/XXXXPlease delete and block the following accounts from my credit report\n Accounts\XX/XX/XXXX - Account Number: XX/XX/XXXX, Date Opened: XX/XX/XXXX Balance:XX/XX/XXXX- Account NumberXX/XX/XXXX, Date Opened:XX/XX/XXXX Balance: XX/XX/XXXX - Account Number: XX/XX/XXXXDate OpenedXX/XX/XXXX, Balance:XX/XX/XXXXAccount NumberXX/XX/XXXXXX/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
Consumer complaint received 2025-06-05 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: CT

Complaint narrative:
b'Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance\n with Section 605B of the FCRA (15 U.S.C.  1681c-2(a)), please block and remove them\n within 4 days:  \nAlso, would like to have all addresses and names REMOVED from my credit report, except\n for my only name and address listed below:\n Name:XX/XX/XXXXddress:XX/XX/XXXX CTXX/XX/XXXXPlease delete and block the following accounts from my credit report\n Accounts\XX/XX/XXXX - Account Number: XX/XX/XXXX, Date Opened: XX/XX/XXXX Balance:XX/XX/XXXX- Account NumberXX/XX/XXXX, Date Opened:XX/XX/XXXX Balance: XX/XX/XXXX - Account Number: XX/XX/XXXXDate OpenedXX/XX/XXXX, Balance:XX/XX/XXXXAccount NumberXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I am having an issue with Mohela posting my payment that I made for XX/XX/XXXX for {$140.00} that was not processed to my account. I have repeatedly tried calling and keep getting disconnected and on hold for over 2 hours. I have emailed them 3 times and not getting anywhere with this. I have contacted the Dept. of Education and put in a complaint with them and contacted the XXXX I have auto debt each month from my account so it should reflect one payment of {$140.00} each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
As a victim of a scam, I was directed to make domestic wire and crypto transfers to the scammers ' account from my personal accounts at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Routing # XXXX ) Acct # XXXX XX/XX/year> $ XXXX to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Routing # XXXX ) Acct # XXXX XX/XX/year>XXXX XXXX XXXXXXXX to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( ( Routing # XXXX ) Acct # XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Routing # XXXX ) Acct # XXXX XX/XX/year> $ XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Routing # XXXX ) Acct # XXXX From XXXX XX/XX/year> $ XXXX to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Routing # XXXX ) Acct # XXXX XX/XX/year> $ XXXX to XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ( Routing # XXXX ) Acct # XXXX XX/XX/year> $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Routing # XXXX ) Acct # XXXX From Coinbase XX/XX/year> {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reported the fraudulent transactions to XXXX, XXXX and Coinbase. XXXX and XXXX issued wire recall requests but with no resolution from either the destination banks or the beneficaries. Coinbase refused to begin an investigation until a copy of a police report has been provided to them. I have submitted a request but I still have not received a copy of the police report to submit so Coinbase has done nothing in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
Credit Report Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion, I am writing to formally dispute inaccurate and outdated information listed on my credit report. The following accounts are being reported incorrectly and I am requesting immediate investigation and removal or correction of these accounts : XXXXXXXX XXXX  - Account Number : XXXX ( TransUnion ) XXXX Status : Charged off as bad debt - Opened : XX/XX/XXXX - Closed : Listed as Charged Off, but also reflects {$0.00} balance - Issue : The account reflects no payment history and a {$0.00} balance. It is inconsistent to show a charge-off with no delinquency history or past-due balance. This may be inaccurately reported and misleading. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Charge-off - Opened : XX/XX/XXXX - Closed : Charged off with {$0.00} balance - Issue : The payment history shows inconsistent reporting ( e.g., 90 days late in XX/XX/XXXX despite the account being closed with {$0.00} balance ). This information appears to be inaccurate and outdated. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information. I request that you : Remove or correct all inaccuracies. 
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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-05 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: DE

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 2025-06-05 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:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$930.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$00.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$3400.00} Inquiries XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX Date : XXXX XXXX  Date XXXX XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
Following the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have submitted the necessary documents : a valid photo ID, a billing statement, and a letter from an advocacy organization that is assisting me as a victim of XXXX XXXX through debt bondage. This qualifies as XXXX under the XXXXDebt Final Rule, specifically sections 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I am formally requesting that you block this information from my credit report within four business days, in compliance with section 605C of the Fair Credit Reporting Act. I have provided all required documentation, including my identification and the items listed as acceptable proof under the lawonly two of which are legally necessary. I have also included a victim determination letter under section 1022.142 ( b ) ( 6 ).

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 2025-06-05 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: FL

Complaint narrative:
Experian responded with a form letter stating that my request was not sent directly by me, even though it clearly included full identity verification and all required documentation. They took no action on the dispute and failed to initiate any reinvestigation or block the fraudulent tradelines.

This violates the Fair Credit Reporting Act ( FCRA ), specifically : 1681i failure to reinvestigate, 1681c-2 failure to block fraudulent accounts after receiving an ID theft report, 1681n and 1681o willful or negligent noncompliance. 

I am requesting immediate deletion of all unverifiable and fraudulent information per federal law, and am pursuing legal action due to Experians failure to act in good faith.

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 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Companies have pulled my credit report without my permission, and these unauthorized inquiries are harming my credit score. I spoke with an TransUnion representative who assured me they would be removed, yet they still appear on my report. As someone already dealing with identity theft, this is adding unnecessary stress and deepening my concern over how my personal information is being misused.

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 2025-06-05 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: IN

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-06-05 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone via text asked a picture of my social and without thinking I send it with me in the background. Then that person opened a credit card account ending in XXXX with capital one using a bank account with different name for the credit limit and secured deposit the bank was called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive noticed that my credit report contains inaccurate personal information, which has led to the appearance of an account Ive never opened or been associated with. Im a victim of identity theftmy information was used without my consent, and now Im being held responsible for something that has nothing to do with me. As instructed by TransUnion, I filed an FTC Identity Theft Report and submitted all supporting documents. Despite that, the fraudulent item is still on my report.

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 2025-06-05 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-06-05 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Account Number XXXX Balance : {$1100.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$96.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$610.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$450.00} Open DateApr XXXX, XXXX XXXX XXXX XXXX Account number XXXX Balance {$420.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation