vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX I XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, Coinbase restricted {$960.00} worth of USDC from my account without any explanation. I attempted to send {$200.00} USDC several times each attempt failed. Shortly after, the entire USDC balance became unusable despite having no open orders or restrictions showing in my account. 

I contacted Coinbase via live chat. A support agent named XXXX confirmed the issue and said they would review the case and respond shortly. However, the support case ( # XXXX ) was marked resolved within hours with no response, no explanation, and my funds still locked. My final message to the agent failed to send, and Coinbase provided no follow-up. 

As of today, it has been 18 days. My account is active. Ive placed multiple trades ( XXXX, XXXX, XXXX XXXX and run XXXXutomated trading bots. There is no justification for this lock. 

This is a case of withholding customer funds without transparency, and falsely closing support tickets without resolution. Im requesting immediate regulatory intervention to unlock my funds and compel Coinbase to provide a formal written explanation for the restriction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 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: AZ

Complaint narrative:
No one follows the law in this country, anymore. Experian is deducting points for a very old account that didnt follow the law in the first place. Experian keeps deducting points over again but says no reason why. XXXX points at a time. All my credit was paid off every month and should be going up in points but experian is as corrupet at the person who negated my account, in the first place. 
My credit is impeccable yet I get XXXX points negated. Why? 

XXXX XXXX  has broken the law and experian is following their game.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


FRAUDULENT ACCOUNTS : Account Name : Date Opened XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XX/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 2025-07-14 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: CA

Complaint narrative:
My experience with XXXX XXXX has been nothing short of frustrating and, frankly, absurd. After scheduling an internet installation, the technicians spent nearly an entire day at my home only to leave without successfully activating the service. I instructed them to cancel the order and take back the equipment. However, because the technicians were subcontractors, they claimed they could not retrieve the equipment and directed me to return it myself which I did. 

Despite never receiving a functional service and the installation being incomplete, XXXX has continued to bill me. Attempts to resolve the issue through their customer service channels have been futile. There appears to be no viable path to dispute or correct the charges, and the overall approach seems designed to wear down customers into giving up. I no longer believe this is simple incompetence it appears to be a deliberate tactic and a deeply flawed ( if not fraudulent ) part of their business model. 

Most recently, I was notified that the charges have been sent to collections. To avoid damage to my otherwise impeccable credit, I may be forced to pay for a service I never received. This situation is a textbook example of a large company exploiting consumers while hiding behind a dysfunctional and opaque organizational structure. 

Only significant public or legal pressure will force XXXX to address these systemic failures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to confirm that I have paid off the referenced debt in full. Despite requesting a receipt at the time of payment, I have not yet received any documentation confirming the transaction. I kindly ask that you provide a receipt for my records at your earliest convenience. 

Additionally, I request that this account be updated with the credit bureaus to reflect a paid status and be removed from my credit report, as the debt has been satisfied in full. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To : CFPB Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX And to : XXXX XXXX XXXX XXXX [ Include addresses for each bureau if sending by mail ] Subject : Formal Dispute and Request for Removal of Fraudulent and Inaccurate Accounts Under FCRA Dear Sir or Madam, I am writing to formally dispute and request the immediate removal of two accounts that are inaccurately and unlawfully appearing on my credit reports. These accounts are : XXXXXXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Account Number : XXXX Amount : {$970.00} Reason for Dispute : This is a fraudulent account. I did not authorize or open this account, and it is reporting inaccurate information. 

Midland Credit Management Account Number : XXXX Amount : {$490.00} Reason for Dispute : This is a medical debt that is being reported in violation of current credit reporting laws regarding medical collections.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. The credit reporting agencies are required to investigate and remove any information that can not be verified within 30 days 1 2.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) and the FTC have clarified that if a data furnisher can not verify the accuracy of disputed information, they must notify the credit reporting agencies to delete the information 1. 
Regarding XXXX XXXX XXXXXXXX, they have fraudulently purchased this information from a third party vendor, I have no formal contract or business dealing with XXXXXXXX XXXX XXXXXXXX, they have been utilizing the credit bureau reporting agency for over the statue of credit reporting allowed. They have just recently reported a late pay on this 15 years account as I have exhausted myself in trying to show that this is fraudulent and not my account. Please help me in removing these fraudulent accounts off off my credit. 

Regarding the Midland Credit account, recent changes in federal policy prohibit the inclusion of certain medical debts on credit reports, especially those under a specific threshold or not yet paid by insurance. This account appears to violate those provisions and should be removed accordingly. 

I am requesting that these accounts be immediately deleted from all of my credit reports with XXXX XXXX XXXX XXXX. Please provide written confirmation of the results of your investigation and the actions taken. 

Enclosed are copies of my identification and any supporting documentation to assist with your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Full Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted EQUIFAX on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 
I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I signed up for a Chase XXXX card when the current promotion was a companion pass + XXXX miles and apply by XXXX. I applied before this date. Chase flagged my application for fraud multiple times causing me to call in and verify the same information repeatedly. They finally approved my card. After a couple of months I realized they didn't honor the promotion I signed up for and signed me up for whatever the current one was which was XXXX bonus miles. I reached out to them several times and included a screen shot of the promotion but they will not honor what I signed up for. They say because my card was issued after the promotion ended I am not eligible. The promotion clearly says " apply by '' in several places and it was not my fault their system flagged the account multiple times for possible fraud. It's also not my fault they don't email or call whenever this happens and I get a letter in the mail a month later. I had to proactively call multiple times to figure out what was going on with the application and multiple times verify the exact same information I verified over the phone previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: NM

Complaint narrative:
When I purchased my XXXX XXXX XXXX, I took the GAP coverage for {$1500.00}. The car loan was scheduled to mature in XX/XX/XXXX and would have been paid off then. My husband started helping me with the payments and the vehicle was paid off on XX/XX/XXXX. I received a letter from GM Financial on XX/XX/XXXX and it states that I may be entitled to a refund due to early payoff. I tried calling GM many times. They finally said that I kept the car for the life of the loan. I don't understand. Then they said I would only get {$0.00}. I still don't understand. If the loan was for 72 months and I paid {$1500.00} up front, shouldn't I get more than {$0.00}? I even tried calling the dealership once where I bought the vehicle and of course, they never called me back. I just want a valid reason why I am being punished for paying the car off early?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
Account 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX is knowingly and willfully furnishing false information to TransUnion, Experian, and Equifax. The account listed under reference number XXXX, with a reported balance of {$40000.00}, is being presented as a derogatory consumer debt, classified as collection/charge-off. 

However, this account does not arise from a personal credit transaction, and therefore does not meet the definition of a permissible reporting item under the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681b.

I have never signed a credit application or consumer agreement related to this debt, and there is no documentation proving otherwise. Their reporting is both inaccurate and illegally classified, violating : 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate 1681e ( b ) Failing to maintain reasonable procedures for accuracy 1681b Obtaining or using consumer reports for impermissible purposes 1681q Knowingly obtaining consumer information under false pretenses I have sent a cease-and-desist letter demanding deletion, and if they fail to remove the account, I will pursue litigation for willful noncompliance under 15 U.S.C. 1681n, which provides for actual damages, statutory damages, attorneys fees, and uncapped punitive damages. 

This inaccurate reporting has harmed my credit standing, caused emotional distress, and presents a willful abuse of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me XXXX. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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