vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate items, unauthorized inquiries, and a wrong address that do not belong to me. These errors are causing serious harm to my credit profile, my financial opportunities, and my ability to verify my identity. I have repeatedly requested accurate documentation from the credit bureaus and furnishers, but they have failed to provide any proof as required under the Fair Credit Reporting Act ( FCRA ). I am asking the CFPB to intervene and ensure that the credit bureaus follow federal law, conduct a proper reinvestigation, and remove or correct all unverifiable and inaccurate information. 

XXXX XXXX XXXX * High Balance : {$870.00} Date Opened : XX/XX/2024 Late Payment * * The late payment is inaccurate because I have never made any late payment and no proof exists under FCRA 611 and 623. 
The alleged delinquency is unverified and must be corrected. 

XXXX XXXXXXXX XX/XX/2024 Unauthorized inquiry with no permissible purpose under FCRA XXXX and XXXX. 
Not mine and can not be verified. 

XXXX XXXX XXXX XX/XX/2024 Unauthorized inquiry without consent. 
No documentation exists and it must be removed. 

These inaccurate items, wrong address entries, and unauthorized inquiries are causing significant harm to my creditworthiness and financial stability. The credit bureaus and furnishers have failed to comply with their obligations under FCRA 607 ( b ), 611 ( a ), 609 ( a ) ( 1 ), 1681e ( b ), and 1681b ( a ). I am requesting that the CFPB require a full and lawful reinvestigation and enforce immediate correction or deletion of any item that can not be verified with proper documentation. I am seeking the CFPBs assistance to ensure that my credit report is accurate, fair, and compliant with federal law.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

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 2025-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As, of XXXX XXXX XXXX XXXX XXXX  I received a letter stating that my close check funds will be returned to me XXXX XXXX XXXX and as to this date I'm just receiving the run around from multiple phone calls made to So called mangers and sups at the fraud department which is baseless senseless meritless and unacceptable to me as a client/customer basically I'm being defrauded of my finances from The bureaucracy and systematic oppression of that Citi Bank XXXX department XXXX It's been over 90 days since the letter that was mail to me from somewhere stating my resources will return to me originally now is another discrepancy about phone numbers and apt numbers this is a conspiracy and I'm demanding a honesty response regarding this situation so we can conclude this situation in the interest of Justice also I will like info to a legit certified attorney with all credentials know to me publicly. Thank you for your precious time and diligent service

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 monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
All are gon na be same question. I have no accounts like this! 

XXXX. World Finance- what steps did they take to verify this was me? 
XXXX. XXXX- what steps did they take to verify this was me? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WA

Complaint narrative:
I am submitting to formally dispute several inaccuracies on my Equifax, TransUnion and Experian credit report that are negatively affecting my credit profile and do not reflect my actual financial history. First, my addresses are reported inaccurately as 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. These addresses do not belong to me and are not associated with my account history. Reporting incorrect addresses constitutes misleading information under FCRA 609 ( a ) ( 1 ), which grants me the right to request verification of all personal information reported. I request that Equifax, TransUnion and Experian verify these addresses with proper documentation and remove or correct them to reflect only accurate addresses associated with my file. 

In addition, the following accounts are reported incorrectly as charged off or in collections : 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  Balance : {$0.00}. I dispute the accuracy and completeness of these entries. According to my records, payments were made timely, accounts were settled, or balances are inaccurate. These misreported delinquencies and charge-offs violate FCRA 611 ( a ) ( 1 ), which requires Equifax, TransUnion and Experian to conduct a reasonable reinvestigation when a consumer disputes information, and FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide only accurate information. I demand that Equifax, TransUnion and Experian contact the respective creditors to verify these accounts and correct or remove any unverified or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: WA

Complaint narrative:
I am submitting to formally dispute several inaccuracies on my Equifax, TransUnion and Experian credit report that are negatively affecting my credit profile and do not reflect my actual financial history. First, my addresses are reported inaccurately as 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. These addresses do not belong to me and are not associated with my account history. Reporting incorrect addresses constitutes misleading information under FCRA 609 ( a ) ( 1 ), which grants me the right to request verification of all personal information reported. I request that Equifax, TransUnion and Experian verify these addresses with proper documentation and remove or correct them to reflect only accurate addresses associated with my file. 

In addition, the following accounts are reported incorrectly as charged off or in collections : 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  Balance : {$0.00}. I dispute the accuracy and completeness of these entries. According to my records, payments were made timely, accounts were settled, or balances are inaccurate. These misreported delinquencies and charge-offs violate FCRA 611 ( a ) ( 1 ), which requires Equifax, TransUnion and Experian to conduct a reasonable reinvestigation when a consumer disputes information, and FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide only accurate information. I demand that Equifax, TransUnion and Experian contact the respective creditors to verify these accounts and correct or remove any unverified or 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 2025-11-21 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: CA

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not assured to be maximally accurate. These errors are severely impacting me, causing ongoing negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies is essential for my well-being.

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 2025-11-21 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: CA

Complaint narrative:
This XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX account is inaccurately reported by XXXX and Equifax. 

The account does NOT appear on my XXXXXXXX  report, and XXXX  has confirmed that this tradeline is not verified for reporting. 

XXXX and Equifax continue reporting it even though I disputed it. They marked the dispute as resolved by grantor without providing verification or documentation as required by FCRA 611. 

If the account can not be fully verified and validated, it must be removed from my XXXX and Equifax credit files. 

I request deletion of this inaccurate account and correction of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: WY

Complaint narrative:
Company claimed to guarantee a loan and that they work with bad credit and they didn't uphold to their guarantee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-11-21 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:
Could you verify this entry? It appears late and might be incorrect.

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 2025-11-21 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: MD

Complaint narrative:
This CFPB complaint is being submitted under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that youTransUnionimmediately and without delay block all fraudulent information currently polluting my consumer credit report. You have 4 business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my fileno exceptions. 

The false data in question includes a fraudulent personal credit card account, multiple unauthorized hard inquiries, and illegitimate collections. I have attached both a list of these fraudulent hard inquiries and a copy of the FICO credit report you maintain, clearly identifying the bogus entries. 

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase restricted my account starting [ XX/XX/year> to XX/XX/year> ] without clear justification. '' This restriction prevented me from selling [ XXXX XXXX ] at a market high of $ [ XXXX ], resulting in a direct loss of $ [ XXXX ] profit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I asked for the original debt and purchased agreement and the sent 2 different ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I never signed a lease or gave my name or id to the landlord she went Thur my mail and stole my information she has no documents or copies of me signing or copies of my id or drivers licenses court documents doesnt states I didnt pay rent she has no documentation or lease agreement that I signed or copies or my drivers licenses or identifications. I was wrongly charged and she stole my name from mail and filed a lawsuit under false charges now my records show i have a eviction and nobody rents me a house or apartment I need this resolved and taken away from my record please help

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 2025-11-21 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 submitting this follow-up complaint to formally dispute and request the permanent removal of unauthorized and unverified credit inquiries that continue to appear on my credit report. These inquiries were made without my knowledge, consent, or any permissible purpose, violating my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), a consumer reporting agency may only provide access to a consumer 's credit report when there is a legitimate permissible purpose and when the consumer has authorized such access. The presence of these inquiries without authorization constitutes a clear violation of these provisions. Additionally, under FCRA 605B 15 U.S.C. 1681c-2, consumers are entitled to block and remove unauthorized inquiries that were made without proper consent or verification. Furthermore, FCRA 619 15 U.S.C. 1681q prohibits obtaining a consumer report under false pretenses or without a permissible purpose. The following inquiries were not authorized by me and must be permanently removed from my credit file : 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 These unauthorized inquiries are damaging my credit profile and must be permanently deleted from my credit file to reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$430.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$1800.00} XXXX  # XXXX XX/XX/XXXX -- {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
b'To Whom It May Concern I am filing this complaint because my credit report contains inaccurate information and multiple unauthorized inquiries that violate my rights under the FCRA. These items are not mine, were never authorized by me, and continue to damage my credit profile. I am requesting CFPB intervention to enforce proper reinvestigation and correction.\n\nXXXX  XXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Chargeoff\nI have no knowledge of this account and have never authorized or opened any such auto account, nor have I ever received any contract, billing statement, or proof linking me to this alleged debt. Reporting a charge-off without furnishing legally required documentation violates FCRA 602A, 607(b), 609(a)(1), and 611. Since you cannot verify an account you cannot validate, you must delete this account immediately for failure to provide a complete and accurate investigation.\n\nAN XXXX XXXX \nThis inquiry is not mine and has no permissible purpose. Remove immediately under FCRA 604.\n\nXXXX XXXX \nI never requested or authorized any credit inquiry. This violates FCRA 604 and must be deleted.\n\nXXXX XXXXXXXX \nUnauthorized inquiry with no permissible purpose. Remove immediately under FCRA 604 and 611.\n\nIn conclusion I request the CFPB to require permanent deletion of the unauthorized inquiries and removal of the inaccurate account. These items are not mine and violate federal law. I ask the CFPB to ensure full compliance with all FCRA and FDCPA requirements.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation