vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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:
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 2025-06-28 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:
The hard inquiry that appears on my credit report is unauthorized and raises concerns about potential identity theft. I have not submitted any credit applications to the party listed and suspect this access was made in error or without 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 explanation
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CO

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 2025-06-28 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: LA

Complaint narrative:
I have an account through William Rush & Associate that has appeared on my XXXX credit report. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete this account as soon as possible from my credit report or I will have to take legal action.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
I am submitting this formal request in accordance with the Fair Credit Reporting Act, specifically 15 U.S. Code 1681c2 ( FCRA 605B ), to demand the immediate and permanent blocking of the following items from my credit file. These accounts and inquiries are the result of identity theft.

As required under 605B ( b ), I am enclosing all relevant documentation, including a government-issued photo ID, a proof of address, and a valid identity theft report as defined in 603 ( q ). 

Fraudulent Accounts to be Blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries to be Blocked ( TransUnion ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached documents : Identity Theft Report ( as defined by FCRA 603 ( q ) ) Government-issued identification Proof of current address Statement identifying and disputing the fraudulent information Legal obligations : Under FCRA 605B ( c ) ( 1 ) : " A consumer reporting agency shall block the reporting of any information in the consumers file that the consumer identifies as resulting from identity theft, not later than 4 business days after receiving such a request and documentation. '' Under 605B ( d ) ( 1 ) : " A consumer reporting agency shall promptly notify the furnisher of the information that the information may be the result of identity theft. '' Under 605B ( e ) : " The agency shall not resubmit the blocked information to any furnisher unless material evidence is provided showing that the block was made in error. '' Additional legal duties imposed on your agency : FCRA 607 ( a ) : " Every consumer reporting agency shall maintain reasonable procedures to ensure compliance with the provisions of this subchapter. '' Failure to block the fraudulent data within the required timeframe indicates a lack of internal compliance systems.

FCRA 610 ( a ) : " Every consumer reporting agency shall maintain reasonable procedures designed to permit the consumer to obtain information in the consumers file and to correct any information that is incomplete or inaccurate. '' Refusing to process my identity theft request constitutes a violation of this provision.

FCRA 602 ( a ) ( 1 ) and ( a ) ( 4 ) : " ( 1 ) The banking system is dependent upon fair and accurate credit reporting... ( 4 ) There is a need to ensure that [ CRAs ] exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Continued reporting of fraudulent information violates the purpose and intent of the FCRA.

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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
InHad a credit card for some dental work with Care Credit synchrony bank. I paid the balance off in full .. then months later they sent me a notice it said that it didnt all pay off and it was still collecting interest. At that time I had no choice but to pay them again with this made up interest charge. At that time I asked them to give me a verification of me being paid off with their company. And they gave me some erroneous XXXX they are unable to verify through emails. I was assured by the supervisor that, yes, I was free and clear with their company. That turned out to be complete lies .That was in XXXXXXXX XXXX XXXX XXXX XXXX. Now I have just received another Statements with new charges. Claiming the same situation. 
When I called, they said that they were not going to reverse this charge. Even when I explained that I had already paid them once for the scam.

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 2025-06-28 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: OK

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within XXXX XXXX All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The hard inquiry that appears on my credit report is unauthorized and raises concerns about potential identity theft. I have not submitted any credit applications to the party listed and suspect this access was made in error or without 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 explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CA

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 explanation
Consumer complaint received 2025-06-28 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: PA

Complaint narrative:
I am writing to notify you that I am a victim of identity theft and to request the blocking of fraudulent information on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, codified at 15 U.S.C. 1681c-2.

As a result of a recent data breach, my personal identifying information was compromised and has been used to fraudulently open accounts in my name. I have reviewed my credit report and identified the following accounts that I did not open and do not recognize : XXXX XXXX XXXXXXXX Account Number XXXX  Date Open XXXX XXXX Balance {$430.00} XXXX Account Number XXXX  Date Open XX/XX/ Balance {$0.00} XX/XX/Account Number XXXX  Date Open XX/XX/ Balance {$94.00}

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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On XX/XX/2025, I initiated a {$50000.00} wire transfer to my verified Coinbase account. Im a Coinbase One member, and prior to this deposit, I had already successfully transferred cryptocurrency out of my account without any issues.

However, immediately after the {$50000.00} was deposited and converted into XXXX ( XXXX ), with a poorly explained {$780.00} spread fee, I received an email informing me that my account had been restricted. This restriction only appeared after they received my money and executed the crypto conversion. There was no prior warning, no disclosures about risk flags, and no indication that I would be prevented from accessing or transferring my own funds.

Since then, I have spent multiple days contacting Coinbases support through both chat and phone calls. I was issued multiple case numbers : Case # XXXX Case # XXXX The information I received was inconsistent and evasive. Some agents told me the issue was already escalated. Others said escalation still needed to occur. I never received a definitive answer or a resolution timeline. Just vague statements about security checks and a promise that I might get an email.

During a recorded phone call on XX/XX/2025, I waited on hold for over 21 minutes. When I asked to speak to a supervisor, the agent refused. When I stated I was recording the conversation for documentation, the agent sarcastically replied, Thats fine, we record you too. The tone was mocking, unprofessional, and dismissive, which is unacceptable for a platform handling large sums of user money.

This call was recorded by me and is attached to this complaint as supporting documentation. The tone, conduct, and lack of transparency from Coinbases support team, especially given the transaction size, was unprofessional, inappropriate, and undermines trust in their platform.

I want to make it clear : I am the sole owner of this account, and I take full responsibility for all activity on it. I sometimes rely on my adult son to help with communication due to the technical nature of crypto platforms, but all financial decisions are mine alone. I personally authorized the wire and was present for all support interactions.

Coinbases conduct is alarming : They accepted a {$50000.00} deposit, executed the conversion, and then locked the account after taking their fees.

They applied a steep spread fee of approximately {$780.00} during the XXXX transaction without a clear breakdown or pre-confirmation.

Theyve been evasive and unhelpful, offering no explanation or solution after nearly a week.

Their support agents were rude, uncooperative, and refused escalation protocols.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
To Whom It XXXX Concern : I am writing to dispute the accuracy of the XXXX  XXXX  account you report as Open Balance {$1300.00} ( last reported XX/XX/year> ). Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) and Californias Consumer Credit Reporting Agencies Act ( CCRAA ) ( Cal. XXXX. Code XXXX ), you must : XXXX a reasonable investigation of my dispute. 
Notify me of the results within XXXX  days ( XXXX  days if you notify furnisher ). 
XXXX me with all documentation you reviewed or transmitted. 
I dispute this item because : I never applied for XXXX  with XXXX XXXX ( nor authorized any XXXX  inquiry ). 
You have never provided me a copy of an original signature or properly completed XXXX XXXX XXXX as required by FCRA XXXX ( a ) ( XXXX ) and California XXXX XXXX XXXX ( c ). 
Accordingly, please furnish, within XXXX  days of receipt of this letter : All certified documents you reviewed or relied upon in concluding your investigation, including but not limited to : Original account application or assignment paperwork. 
XXXX forms or affidavits you obtained. 
Any written communications between you and XXXX XXXX ( the data furnisher ). 
A complete copy of all information you transmitted to XXXX  XXXX  as part of your reinvestigation ( FCRA XXXX ( a ) ( XXXX ) ( A ) ). 
Investigation call log for any oral communications : Name and title/position of each person you spoke with at XXXX XXXX. 
Date of each call. 
Duration of each call. 
Telephone number dialed. 
Name and job title of your own employee ( XXXX ) who spoke with the furnisher. 
Certification under penalty of perjury that the above is a true and complete record of your investigation, as required by FCRA XXXX ( a ) ( XXXX ) and XXXX. XXXX. Code XXXX ( d ). 
Because this reporting is inaccurate and incomplete, it has caused me severe financial and emotional distress. If you can not supply the requested documentation within XXXX days, you must delete this item in its entirety from my credit file ( FCRA XXXX ( a ) ( XXXX ) ( A ) ; XXXX. XXXX. Code XXXX ( XXXX ) ). 
I look forward to your prompt compliance. Thank you. 
Sincerely,

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