vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$73.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Asset Agency, Inc.
State: GA

Complaint narrative:
I was contacted by a company named XXXX stating that I had an open case open for RENT-A-CENTER for an account i was unaware of. They repeatedly stated that I owed a debt amount of {$3200.00} and that if i did not pay this debt that my wages would be garnished and a XXXX would be placed on my vehicle. I was also contacted by a XXXX named XXXX who claimed to be a sheriff trying to serve me papers asking me to confirm my address and other personal information. Due to the threats I panicked and agreed to make payments. I later became more suspicious due to the amount of times they would call me in a day and also due to how many times they would attempt to charge my card if it was locked that day. I asked for written verification of this debt and they failed to send anything. In total ive paid {$840.00} to this person from XXXX XXXX when they initially told me it would come out from XXXX. I have since disputed this charge on my account. Please be aware of any calls from ( XXXX ) XXXX and ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Dear CFPB, I was scammed by several people on Coinbase with legitimate Coinbase accounts for a sum exceeding $ XXXX. I have filed a complaint with me Local police department, FBI and FTC. We have provided exact XXXX tracking to Coinbase which states where my money is held right now. Coinbase is not willing to freeze those scammers accounts. I am attaching a detailed report from the Investigation agency which has tracked down the wallets of the scamsters. Coinbase can take the lead here and freeze those account. If CFPB can help in this regard, I will be highly grateful. I have lost my hard-earned savings for over XXXX  years to this XXXX scam unleashed by people with supposedly legitimate Coinbase account. Thank you, Best Regards, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NM

Complaint narrative:
About five years ago XXXX XXXX sold my mortgage to a company named XXXX XXXX During the pandemic I had some personal financial hardships and I called XXXX to see if they could change my due date to help. They advised that the company did not allow change of due date. They said there was a possible option and instructed me not to pay my mortgage for the month ; thereafter for two additional months. I told them that I was scared that this would effect my credit. They promised me that it would not effect my credit. They put me on a deferment option that put the three payments at the end of my mortgage. XXXX XXXX had previously, about a year before done the same for a one-year deferment that did not effect my credit whatsoever. Now I have been fighting for almost three years with XXXX to fix. The first year, they promised many times that it would be fixed with no luck. Their promise should be recorded, because every time I discussed they said we were on a recorded line. Please have XXXX fix the error, including the 90-day delinquency reports to XXXX  Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NM

Complaint narrative:
About five years ago XXXX XXXX sold my mortgage to a company named XXXX XXXX During the pandemic I had some personal financial hardships and I called XXXX to see if they could change my due date to help. They advised that the company did not allow change of due date. They said there was a possible option and instructed me not to pay my mortgage for the month ; thereafter for two additional months. I told them that I was scared that this would effect my credit. They promised me that it would not effect my credit. They put me on a deferment option that put the three payments at the end of my mortgage. XXXX XXXX had previously, about a year before done the same for a one-year deferment that did not effect my credit whatsoever. Now I have been fighting for almost three years with XXXX to fix. The first year, they promised many times that it would be fixed with no luck. Their promise should be recorded, because every time I discussed they said we were on a recorded line. Please have XXXX fix the error, including the 90-day delinquency reports to XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX ( an XXXX XXXX ) installed an security system in my residence at XXXX XXXX XXXX XXXX Virginia supposedly the basic package, but the technician XXXX XXXX installed additional items which at the time I thought was part of package, about a week later I discovered differently the add ons were financed by synchrony bank, XXXX and the bank were contacted, but I was told there is a 3 day return policy, so I have been trying 2 years to get error corrected in XX/XX/XXXX unwanted items were deactivated, but XXXX and synchrony has to pickup items and correct debt which neither will do, this error has flawed my credit score, each month a great score is declining because of this error synchrony has closed my Lowe 's card account which is in good standing and had an XXXX balance, this I fraudulent harassment at its best.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 2025-08-19 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:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 3 Account Number : XXXX Account Name : XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX  and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX Type of disputed information : loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX  and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance Sincerely, 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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called the Marriott to make hotel reservations in XXXX XXXX, NY on or about XX/XX/year> because I was advised that if I opened a XXXX XXXX Chase credit card I would save {$250.00} on my stay ( that was their promotion at the time ). I was supposed to get the response within a few days ( which would be one day before my trip scheduled for XX/XX/year> ). I never got a letter via email as promised either denying or approving my application. Needless to say, I didn't want to cancel my trip over it because in 35 years, I have NEVER been denied a credit card as I have perfect credit with a FICA score of about XXXX. I called the company after my trip requesting the credit. They told me my application was denied ( as my report had been run too much which can not be true as it has hardly been run ) and I would not be getting my credit and I should have gotten a letter about that which I did not. In my opinion, this was all a scam to get me to stay at their hotel with no intent on giving me the credit. Like i said, I have applied for many credit cards in my life and NOT ONE TIME have I been denied. I am currently disputing {$250.00} of the total stay charge with my XXXX XXXX card that I put the stay on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This complaint is about XXXX Their system constantly rejects legitimate transactions with no explanation. Support is useless and takes forever to respond. They constantly blame risk as the reason they cant do anything. I tried adding my XXXX card to my account. It was rejected, citing Risk. I attempted multiple times to resolve the issue with support, spending nearly 4 days going back and forth before finally giving up. I then tried adding money to my account with my XXXX XXXX card. This was also rejected with the same risk reasoning. This has been going on for weeks with zero help from the support team. Ive been waiting on a call from the escalations team for weeks to try and resolve the issues, but nothing. XXXX is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was leaked during the XXXX XXXX data breach. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: NY

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 2025-08-19 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: InstaMortgage Inc.
State: NY

Complaint narrative:
I am filing this complaint against InstaMortgage , Inc. and their loan officer XXXX XXXX XXXX ) XXXX ( XXXX  # XXXX ) for misconduct that I believe constitutes misrepresentation and negligence. 

On XX/XX/year>, I entered into a sales contract with buyers who submitted a pre-approval letter issued by XXXX XXXX. This letter explicitly stated that their employment history, credit, and assets were reviewed and approved. My real estate broker spoke with XXXX XXXX directly, and he assured us the income was verified, reserves were ample, and the loan was solid. 

Despite these assurances, the loan was later denied for insufficient income. I believe the pre-approval was issued negligently or in bad faith. If income was not properly verified, then the pre-approval misrepresented the borrowers actual qualifications. If income was in fact sufficient, then the underwriting process was mishandled or orchestrated to ensure denial. Either scenario constitutes serious consumer harm to me as the seller, as I relied in good faith on the pre-approval to take my home off the market. 

Further concerns : XXXX XXXX does not hold a license in XXXX XXXX, where the property is located. 

Public records show he was previously denied a license in XXXX  for failing to demonstrate financial responsibility and character. 

Action Requested : I request that CFPB investigate InstaMortgage and XXXX XXXX conduct in this matter, review the companys supervision of loan officers, and take appropriate enforcement action for any misrepresentation, negligence, or licensing violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: WI

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 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 2025-08-19 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: WI

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 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 2025-08-19 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCR

A 605B ( 15. U. S. C. 1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information con
sist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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