vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Between XXXX and XX/XX/XXXX, I reviewed my credit reports and found several i

naccurate and misleading items across all three bureaus. I submitted written disputes requesting deletion or correction under FCRA 1681i and 611. The bureaus failed to provide verification or documentation supporting continued reporting. Accounts from XXXX XXXX and XXXX XXXX show extended late payments ( 30/60/90/120/150+ days ) even though those accounts are closed or paid off. XXXX also continues to show late payments despite reporting a {$0.00} balance. XXXX XXXX was previously disputed and resolved, yet still shows negative marks.

Additionally, multiple hard inquiries from XXXX ( dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ) were placed on my reports without my authorization or any credit application initiated by me, which violates FCRA 604 ( a ) ( 3 ).

The credit bureaus have not provided a method of verification nor proof of permissible purpose for the inquiries. I have taken the proper steps and provided documentation, yet they continue to report incorrect information. I am requesting your assistance in ensuring all unverifiable or inaccurate items are deleted and that the companies comply with the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Between XXXX and XX/XX/XXXX, I reviewed my credit reports and found several i

naccurate and misleading items across all three bureaus. I submitted written disputes requesting deletion or correction under FCRA 1681i and 611. The bureaus failed to provide verification or documentation supporting continued reporting. Accounts from XXXX XXXX and XXXX XXXX show extended late payments ( 30/60/90/120/150+ days ) even though those accounts are closed or paid off. XXXX also continues to show late payments despite reporting a {$0.00} balance. XXXX XXXX was previously disputed and resolved, yet still shows negative marks.

Additionally, multiple hard inquiries from XXXX ( dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ) were placed on my reports without my authorization or any credit application initiated by me, which violates FCRA 604 ( a ) ( 3 ).

The credit bureaus have not provided a method of verification nor proof of permissible purpose for the inquiries. I have taken the proper steps and provided documentation, yet they continue to report incorrect information. I am requesting your assistance in ensuring all unverifiable or inaccurate items are deleted and that the companies comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$2100.00} INQUIRIES : XXXX XXXX XXXX Date : 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 2025-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Iconic Mortgage Corp.
State: MD

Complaint narrative:
On XX/XX/XXXX XXXX from Iconic mortgage reached out about a lower rate refinance. I completed the credit application. After reviewing the home disclosure with a family financial advisor it was brought to my attention that the offer would charge me {$26000.00} in fees essentially stealing all of my earned equity for a ARM when I currently have a fixed APR. on Monday XX/XX/XXXX I made a written request via email to cancel the pending application. On XX/XX/XXXX I was contacted to discuss the status of the application to which I made a 2nd written attempt to cancel this application. Today I was contacted and notified my application is in the final stages of underwriting despite my prior 2 requests to cancel. Today XX/XX/XXXX I made a 3rd written request to cancel the application and paired this with a phone call to confirm. No one could confirm this is being cancelled and I am concerned about the safety on my personal information. The loan officer then sent a email shortly after my 3rd attempt to cancel letting me know we are almost done with the refinance process. The persistence this company is taking to steal from me is ridiculous and extremely frustrating. XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
At all times related to this claim, I was an accountholder at a United States-based cryptocurrency exchange and licensed XXXX XXXX XXXX  ( XXXX  ) Coinbase , Inc. , ( Coinbase ) and held in my account/wallet valuable cryptocurrency assets. Coinbase promotes itself as The most trusted cryptocurrency platform that is guided by Industry best practices and that Cryptocurrency stored on our servers is covered by our insurance policy. I was aware of and relied on those representations of security in storing my assets on Coinbases platform. Despite its self-promotion about how secure, reliable, and trustworthy its services are, though, customers assets at Coinbase are at risk of being fraudulently withdrawn -- something of which Coinbase is well aware but has not taken adequate steps to prevent or remedy. 

Coinbase has had announced and unannounced breaches of data maintained on, and security of, its platform; leading to a variety of harms suffered by Coinbase account/wallet holders : support scams, penetrations of Coinbases platform leading to SIM swaps, failure to block blacklisted destination addresses, and account takeovers. Coinbase is responsible for securing its platform and all internal and external cryptocurrency payment rails, which serve as the infrastructure that facilitates the transfer of digital currencies between parties. In this case, Coinbase failed to secure data maintained on its platform and failed to properly verify the authenticity and integrity of the cryptocurrency payment rail ( s ) that transferred cryptocurrency from my account/wallet to the destination address of the recipient of my stolen assets. Coinbases failure to design and implement adequate security measures on its platform and on the payment rails was a material factor in directly and/or proximately causing my loss. Commencing on or about XX/XX/year>, Coinbases falsely advertised, faulty security measures failed me ; and as a result, I suffered the loss of cryptocurrency from my account/wallet that was valued at the time at approximately {$800000.00} I seek, among other things, restitution, compensatory damages, and equitable relief for the harm I have suffered, as I hold Coinbase accountable for platform breakdowns, failures in security design or implementation, and statutory/common law breaches that permitted/assisted the theft of the personal assets I held at Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK
State: MS

Complaint narrative:
On XX/XX/year>, I initiated a mobile deposit of a {$5200.00} check with Discover Bank. I endorsed the check, took photos, and reached the screen showing funds would be available by XX/XX/year>, but did not submit the deposit. ( Discovers process displays fund availability before confirming submission. ) I then attempted to deposit the same check with XXXX to see if funds would be available sooner. XXXX required full submission before showing availability ( XX/XX/year> ). After completing the XXXX deposit, I received a Discover confirmation email, indicating the deposit had gone through despite my belief it was not submitted. 

I contacted both banks. XXXX advised I wait for processing. Discover stated the bank that clears the check first would be honored, and the other would reject it as a duplicate. Discover cleared the check on XX/XX/year>, and I began making transactions. On XX/XX/year>, Discover returned the deposit due to payor rejection. 

I contacted Discover on XX/XX/year> regarding my transactions and was told payments would be returned unless I made a deposit. While Discover would not charge return fees, payees might. On XX/XX/year>, I requested timestamped evidence of the mobile deposit. Multiple reps confirmed the account showed I made the deposit, but they could not provide system confirmation. My case was escalated to XXXX, who said the backhouse team couldnt release system details due to communication restrictions. She confirmed my request would be logged as a complaint and advised I may escalate to third-party agencies if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an account on my credit report that I did not open, authorize, or consent to. I have never had any interaction with the entity reporting this account, and its presence is fraudulent and misleading. This unauthorized reporting is misrepresenting my identity and creating unnecessary financial consequences.

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 2025-08-06 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Dear CFPB, Debt Collector : I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation.

Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : * A signed contract or agreement bearing my signature * A full itemized accounting of the debt * Proof of legal assignment or ownership * The Forward Flow Agreement showing what documents were transferred * Proof of the collectors license to collect in my state If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST FINANCIAL BANKSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX late evening I checked my checking account that I have through First financial bank in XXXX tx. It had a charge from XXXX in XXXX tx that was not mine because I dont live there and I only have one debit card but this charge was showing a debit card was used. I immediately called the after hours customer service for first financial bank, a lady from XXXX took my report of the fraudulent charge telling me she would lock my card and report it stolen so no other charges could be made to call my banking branch in the morning. I checked my account again on XX/XX/XXXX in the morning about XXXX and noticed another charge had been made at a XXXX XXXX in XXXX tx causing my checking account to be in the negative I immediately called the first financial bank in XXXX on XXXX speaking with a bank employee who started looking into the issue after I explained what happened and gave the refrence number I had recieved lastnight. The lady put me on hold and then told me that another debit card had been issued at a first financial bank branch in XXXX tx and was e-signed for. I asked how that would happen I'm the only authorized user on the account and you have to show 2 forms of ID she looked at the document that was signed by the person that has a debit card to my account and access to my personal and financial information and told me the signature doesn't even match yours. By the way that document has my checking account number, address, full name number on it. She said she was going to contact the branch in XXXX tx to find out what is going on and lock the card that they had authorized for the other person. I called customer service and asked to be redirected to the first financial bank in XXXX, tx and explained the situation she placed me on hold and came back and told me XXXX XXXX the bank manager would talk to me I explained everything she said she would look into it and get back to me an hour or so later she told me that it was a clerical error the bank employee that authorized the new debit card and access to my personal and financial information had made a mistake because the other person had the same name. She immediately started apologizing and put my money back and said she talked to the employee. That is not enough the stress, XXXX, anger and now being at risk for identity theft, scammers and so forth I work hard for my money and this is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
My account with Navy Federal Credit Union was unexpectedly closed due to suspicious activity. When I contacted their member services department, I was informed they could not provide specific details regarding the reason for the closure. I am concerned that this may be related to identity theft or unauthorized use of my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-08-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
On XX/XX/year>, I paid {$370.00} to Transworld Systems under a pay-for-delete agreement for a collection account. The company has failed to provide written confirmation or fulfill the deletion, despite five follow-up attempts since payment. The account remains on my credit reports with no acknowledgment of the agreement. 

This violates the principles of fair and accurate reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of information to consumer reporting agencies must ensure the accuracy and integrity of the data they report.

Furthermore, as an XXXX  XXXX in the United States XXXX , inaccurate reporting of a resolved debt negatively affects my security clearance, professional standing, and eligibility for a VA home loan a direct violation of protections afforded under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S. Code 3937, which aims to protect military members from financial harm during active service.

I request the CFPBs assistance in ensuring Transworld Systems honors the pay-for-delete agreement, provides written confirmation of deletion, and removes the account from all credit reporting agencies as originally agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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