vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer repor
ting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-22 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: PA

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with Equifax. Specifically, I am disputing the following accounts being reported.

Despite my written disputes, the credit bureau ( s ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ).

The continued reporting of these unverifiable accounts is causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Sunbit, Inc.
State: OH

Complaint narrative:
XXXX XX/XX/XXXX someone opened a credit card in my name- with Sunbit Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX I filed a dispute with XXXX and Sunbit and the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: KS

Complaint narrative:
I rented a home from XXXX XXXX. Before moving out, I contacted XXXX XXXX by phone and was told by two separate customer service agents that no early termination fee would apply if I provided 60 days notice. I relied on this information, gave proper notice, and moved out believing the account was paid in full.

After move-out, I was billed an early termination fee anyway. I contacted XXXX XXXX again, and a third representative denied that such information was ever provided. I requested copies of the recorded calls, which XXXX claims to retain, and was told a follow-up would occur. No recordings were provided, and no follow-up ever happened. 

The account was later sent to collections. I attempted to dispute the debt in writing, but certified mail sent to the collector at the address listed on my credit report was returned as undeliverable. 

XXXX XXXX has since removed my lease and move-out records from their tenant portal and can not provide a copy of the signed lease or documentation supporting the charge. Without the lease or supporting records, the debt can not be validated, yet it continues to be reported and is damaging my credit. 

I am requesting that this unverified debt be removed and that collection and credit reporting cease unless proper documentation can be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX I open account at Chase Bank in XXXX on XXXX XXXX WILL XXXX relationship banker ID XXXX. XX/XX/year> He helped create the account also set up direct deposit for my XXXX had money on my cash up card to open the account but I was told it's not needed and my direct deposit should kick in for the month of XXXX also requested I was send a debit card .. when I stated that I will go down to social security with the account information I was told it was not necessary that Chase Bank works with social security and they could do everything from the bank ... By XXXX my XXXX XXXX came to my cash app card I went back to the bank to speak to XXXX XXXX He stated he'll probably definitely take another 30 days but will be on there by XXXX .. before the end of XXXX I was sent a letter stating my bank account was going to close because of no funds by the XXXX of XXXX on the XXXX of XXXX I deposited {$20.00} in my checking and {$20.00} in my savings .. Days later my bank account was closed.. I went back to the bank to speak to the branch manager They sent me to another gentleman who made a phone call and looked up the account and apologized and stated Saturday the 3rd is '' basically like Monday to the banks and Monday was the 5th the deadline and that's why they close the account .. Will return your money in three to four weeks .. this bank account came with the new checking bonus for {$300.00} and to receive it I must have direct deposit totaling {$500.00} or more into a new checking account within 90 days of the coupon enrollment or government benefits .. when I went to social security to make sure my check wouldn't go to a close account.. I was told that Chase Bank never initiated direct deposit... When I spoke to the teller he stated that he could open a new account.. I replied : " Business is like a relationship And I've seen too many red flags with your bank I can't do business with your institution '' and having to wait 3 to 4 weeks for the money on my account.. I also file a complaint with the cont6rol of the currency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
My wallet was stolen in XXXX  while I was traveling. My personal and company cards were compromised almost immediately. 

I filed a police report on the spot and the very next day called every credit card to alert them to the fraud and replace the cards with a new one. 

Thankfully, all of my personal cards refunded all the charges. 

However, PNC Bank which administers my company card refused to honor my claim for almost {$600.00} in fraudulent charges made at XXXX. 

I need help with this problem as there is no assistance available for me to contact anyone at the company to escalate this matter.

According to FEDERAL law a consumer should not be held liable for any charges in excess of {$50.00} if the fraud was reported within a set window. I reported mine immediately. PNC has not refunded me these charges almost a year later.

Since all my cards reimbursed me I never expected my corporate card would not be protected similarly. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized transactions and account takeover on my Coinbase Exchange account on XX/XX/year>. 
On that date, multiple asset conversions and external transfers occurred without my authorization, approval, or knowledge. At the time, my account had multiple security measures enabled, including XXXX-based XXXX and passkey authentication. Despite these safeguards, assets were transferred out of my account. 
Coinbase support has provided inconsistent explanations. One representative stated the activity was considered authorized due to the use of a previously used IP address, while other representatives confirmed the investigation remains open. Coinbase has not provided a full investigation report, access logs, device identifiers, or authentication records supporting its conclusion.

I believe I was enrolled in Coinbase One at the time of the incident, which requires reimbursement claims to be filed within a 45-day window. Coinbases delay in concluding its investigation risks prejudicing my ability to submit a timely reimbursement application.

I am requesting that Coinbase : 1. Provide a full written disclosure of its investigation, including login logs, device identifiers, IP/geolocation data, authentication records, and withdrawal authorization details.

2. Confirm the status of the investigation in writing.

3. Provide instructions to submit a reimbursement application related to these unauthorized transactions.

This complaint is submitted to preserve my consumer rights and to ensure transparency and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I am filing a complaint against NCB Management Services regarding improper debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ).

NCB Management Services contacted a third party, my father, and disclosed specific details about an alleged debt without my consent. My father is not a co-signer, guarantor, or otherwise responsible for this account.

Additionally, I was placed on a three-way call with my father by NCB Management Services , during which account-specific information was discussed. This constitutes improper third-party disclosure.

These contacts occurred without my authorization and caused distress to both myself and my family. I was not provided written consent documentation authorizing third-party communication.

I am requesting that NCB Management Services : Cease improper third-party contact Provide written validation of the debt Correct or delete any inaccurate or improperly reported credit information Confirm compliance with FDCPA requirements I am requesting CFPB assistance to investigate this matter and ensure appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: SC

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After speaking with Equifax about the updated information in which I submitted due to identity issues. The three bureaus had different names and Experian and XXXX  failed to allow me representation in order to sort out my situation. I spoke with a representative named XXXX whom would not provide his last name and stated he worked in XXXX XXXX Department for Experian. I let him know that I was given the number from the dispute department in order to discuss the hard inquiries In which I did not give authorization to any company due to the inquiries reflecting negatively on my credit file. I always ask companies are they running hard inquiries and if so I deny them. The representative refused to assist me and furthermore rendered the experience bad. I would tell all other consumers the possible outcomes and how the company quickly to collect but slow to help when consumers need it.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The student loans from XXXX XXXX are well over XXXX XXXX XXXX. I have been on a repayment plan of {$0.00} a month for a long time now due to my financial status. I would like the loans forgiven and removed from all XXXX of my credit reports.

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 2025-12-22 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: Kikoff Inc.
State: GA

Complaint narrative:
Around XX/XX/XXXX, I obtained and reviewed my XXXX  credit report and identified multiple negative accounts and collection items that I did not recognize and was not previously aware of. These items include late payments, charge-offs, and collections reported by several companies. The reported balances range from small amounts to amounts exceeding {$10000.00}. 

The accounts appear to have been opened and reported between approximately XXXX and XXXX, with ongoing negative activity reported in XXXX and XXXX. I did not authorize these accounts, did not apply for them, and did not receive billing statements, delinquency notices, or collection notices prior to discovering them on my credit report. 

Upon discovering these items, I disputed their accuracy and am requesting a full investigation into whether these accounts were properly authorized and accurately reported. I am requesting that each company provide documentation showing a valid application, agreement, or other proof that I am legally responsible for the accounts being reported. 

If the companies involved can not provide sufficient documentation verifying ownership, authorization, and accuracy, I am requesting that the negative information be removed from my credit report. I am submitting this complaint to ensure compliance with the Fair Credit Reporting Act and to ensure that only accurate, verified, and authorized information is reported on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EGL US, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I have disputed inaccurate and unverifiable information on my credit report multiple times with TransUnion. Specifically, I am disputing the following accounts being reported. 

Despite my written disputes, the credit bureau ( XXXX ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ). 

The continued reporting of these unverifiable accounts is causing ongoing harm to my credit profile.

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