vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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:
XXXX. I have never applied for a loan or a credit card with any company in my life. 

XXXX. On XX/XX/year>, I applied for a loan with XXXX XXXX XXXX. 

XXXX. I was denied the loan based on information received from consumer reporting agencies. 

XXXX. I spoke with XXXX on XX/XX/year> and provided information of loan denial and after providing the information requested, was told my social security number was being used by XXXX other people, but names using my social were not my name. 

XXXX. I am requesting immediate security freeze be placed on anything requests made using my social security number/

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). 15 U.S.C 1692g. 
Please provide : The name and address of the original creditor. 
The original account number. 
A copy of the original signed agreement showing my responsibility. 
Proof you are licensed to collect in my state. 
Until you provide proper validation, you must cease all Collection activities, including reporting this debt to the credit bureaus. If it has already been reported, please notify the credit agencies that the debt is disputed, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TN

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 XXXX 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 : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$760.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
[ XXXX XXXX ] XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXXXXXX ] Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Formal Dispute Under FCRA TBOM/Contfin Account To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information appearing on my Experian credit report regarding the following account : Creditor Name : XXXX This account was paid in full in XX/XX/year>. Despite this, Experian continues to report false and harmful information : The payment history is showing late payments even though the account has been satisfied in full. 

The account is still reporting with an active payment history, which is materially false. 

The account is also being reported as charged off, which is incorrect and misleading. 

This reporting is inaccurate and deceptive, as it creates the impression that I have ongoing delinquencies, which manipulates my credit history and can cause potential lenders to view me as a higher risk borrower, leading to possible denials of credit. 

I have previously placed Experian on notice of this issue. By continuing to report false information, Experian is violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Credit reporting agencies must ensure maximum possible accuracy of information.

FCRA 611 [ 15 U.S.C. 1681i ] Upon dispute, Experian is required to conduct a reasonable reinvestigation. 

I hereby demand that Experian : Immediately delete or correct the inaccurate late payment history and charge-off status related to XXXXXXXX. 

Update the account status to reflect Paid in Full with no active payment history or derogatory notations. 

Provide me with written confirmation of the reinvestigation results within the timeframe required by law ( XXXX  days ). 

If Experian fails to correct this reporting, I will escalate by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for willful noncompliance with the FCRA. 

This letter serves as formal notice. Experian is now fully aware of these inaccuracies, and continued misreporting will be considered intentional.

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 2025-08-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Starting in XXXX, my Coinbase XXXX XXXX XXXX was used for a long series of fraudulent charges in the XXXX, where I have never transacted. These unauthorized charges began in XX/XX/XXXX and continued for months, totaling thousands of dollars. I only discovered the fraud by chance in XX/XX/XXXX, when I happened to check the Coinbase app. 

Coinbase never sent me monthly statements by mail or email, nor did they send any alerts that statements were available. The only files available were hidden deep in the profile page, not in the debit card section, and provided only as XXXX data without my name. A typical consumer would not recognize these as valid statements. Coinbase also never sent me fraud alerts no SMS, no email even though months of abnormal foreign charges occurred. 

When I reported the fraud, Coinbase refused to investigate charges before late XX/XX/XXXX ( about {$7200.00} ), saying they were outside the XXXX/XXXX day window. But without proper statements or alerts, the XXXX rule should not apply. Fraud monitoring also failed completely, and even more unauthorized charges occurred into late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: OH

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This is an official dispute regarding a fraudulent account that appears on my credit report. I did not authorize, open, or consent to this account in any form. Its inclusion is a serious error and negatively affects my creditworthiness.

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 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$25000.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$45000.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$67000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Mortgage Written XXXX Department Fax # XXXX Re : Request to Report Closed/ Paid Mortgage Account to Equifax XXXX Experian, and TransUnion Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX XXXX Mortgage, I am writing to request that Green Planet Mortgage verify, update, and furnish complete and accurate information regarding my paid mortgage account listed above. The loan was paid in full and closed. 

After reviewing my credit reports, I noticed the mortgage is either not appearing or not appearing with all three nationwide credit reporting agencies. To ensure my credit history accurately reflects this positive account, I respectfully request that XXXX XXXX Mortgage : 1. Verify the account status as Paid in Full / Closed Satisfied with a {$0.00} balance and correct dates ( open date, payoff/close date, and any applicable contact/transfer dates ).

2. Furnish the verified information to all three CRAsEquifax, XXXX, and XXXX with your normal furnishing practices. 
3. Correct any inconsistencies ( if any ) previously furnished.

4. Provide written confirmation to me once reporting/updates have been transmitted.

I have enclosed documents to assist your verification : US Drivers License ( expired ) from 2018 when I lived at the address. 
Government ID ( copy ) and proof of current address ( utility bill or bank statement ). 

This request is made so that my credit file reflects complete and accurate information. I understand the Fair Credit Reporting Act ( FCRA ) requires furnishers to maintain accuracy and to correct and update information they furnish ( see 15 U.S.C. 1681s-2 ( a ) ( 1 ) & ( a ) ( 2 ) ). While I recognize a furnisher is not required to report to every bureau, I am asking thatif Green Planet Mortgage furnishes this accountyou furnish consistently to Equifax, Experian, and TransUnion.

Please confirm in writing within 30 days the actions taken and the expected timeline for bureau updates. If you believe another servicer or entity is the correct furnisher for the payoff period, kindly identify that party and the effective transfer date so I may follow up.

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Enclosures : Copy of current US Passport, copy of my Social Security Card, copy of my prior XXXX  Drivers License ( showing the address of the property I used to own but sold ), Proof of current Address ( Utility Bill from XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Written XXXX Department Fax # XXXX Re : Request to Report Closed/ Paid Mortgage Account to XXXX XXXX XXXX XXXX TransUnion Property Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to request that XXXX XXXX XXXX verify, update, and furnish complete and accurate information regarding my paid mortgage account listed above. The loan was paid in full and closed. 

After reviewing my credit reports, I noticed the mortgage is either not appearing or not appearing with all three nationwide credit reporting agencies. To ensure my credit history accurately reflects this positive account, I respectfully request that XXXX XXXX XXXX : 1. Verify the account status as Paid in Full / Closed Satisfied with a {$0.00} balance and correct dates ( open date, payoff/close date, and any applicable contact/transfer dates ).

2. Furnish the verified information to all three XXXX, XXXX, and TransUnionconsistent with your normal furnishing practices.

3. Correct any inconsistencies ( if any ) previously furnished.

4. Provide written confirmation to me once reporting/updates have been transmitted.

I have enclosed documents to assist your verification : US Drivers License ( expired ) from XXXX when I lived at the address. 
Government ID ( copy ) and proof of current address ( utility bill or bank statement ). 

This request is made so that my credit file reflects complete and accurate information. I understand the Fair Credit Reporting Act ( FCRA ) requires furnishers to maintain accuracy and to correct and update information they furnish ( see 15 U.S.C. 1681s-2 ( a ) ( 1 ) & ( a ) ( 2 ) ). While I recognize a furnisher is not required to report to every bureau, I am asking thatif XXXX XXXX XXXX furnishes this accountyou furnish consistently to XXXX XXXX, and TransUnion.

Please confirm in writing within 30 days the actions taken and the expected timeline for bureau updates. If you believe another servicer or entity is the correct furnisher for the payoff period, kindly identify that party and the effective transfer date so I may follow up.

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Enclosures : Copy of current US Passport, copy of my Social Security Card, copy of my prior XXXX Drivers License ( showing the address of the property I used to own but sold ), Proof of current Address ( Utility Bill from 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 2025-08-20 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
THIS XXXX  RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL DISTRESS. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

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 2025-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Got an email the other day saying a had a hard inquiry hit on my credit karma account. I go to open it and it shows that Capital One was under the hard inquiry and I never applied for a credit card for that company. Then today I got it in the mail and my name isn't even right

Company response to consumer: Closed with non-monetary relief