vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
My replacement chase sapphire reserve card was intercepted and delivered in Washington DC last Wednesday. Marked as received by XXXX with no context. I later had a pizza stolen from my p XXXX birthday party and have had to replace my other cards as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I deposited {$35000.00} USD into my verified Coinbase account on XX/XX/year>. Shortly after, the funds were placed on hold until XX/XX/year>, without a clear or reasonable explanation. 

I have verified my ID and submitted all requested documents, but Coinbase continues to cite a standard policy without providing specific justification. A XXXX weeks hold on verified funds is excessive and unjustified. 

I am requesting an immediate review and release of my funds, or a clear written explanation supported by policy or regulation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against XXXX XXXX regarding the sale of a defective and unsafe vehicle, deceptive practices, and predatory financing. I am also requesting assistance in disputing the resulting negative reporting on my credit file. 
On XX/XX/year> I purchased a used XXXX XXXX from XXXX XXXX and put down a {$3000.00} down payment. The dealer also approved me for a loan with an extremely high XXXX, despite my credit situation, which I later discovered was around 39 % of the vehicles total value. Within the first week of ownership, I experienced multiple severe issues with the vehicle : The vehicle was infested with roaches upon delivery. 
The tires were dangerously worn, and although the dealer initially promised to replace them, all they did was shine the tires to make them appear new. XXXX of the tires burst while I was driving, nearly causing a serious accident with a tractor-trailer. 
I had to replace all XXXX tires out-of-pocket shortly after purchase for my own safety. 
Soon after, the transmission began failing, making the car inoperable and unsafe XXXX XXXX. 
I immediately contacted both XXXX XXXX and the finance company multiple times. My concerns were ignored, and no resolution was ever provided, despite the fact that the vehicle was supposedly covered under a warranty issued at the time of purchase. The dealership failed to honor the warranty or take accountability for selling a clearly defective vehicle. 
Due to the continued safety issues, mechanical failures, and lack of resolution, I had no choice but to voluntarily surrender the vehicle. Despite this, the finance company is now pursuing me for a remaining balance of {$5000.00}, which is more than the current value of the vehicle, and after I had already paid a significant portion up front. 
This situation has not only caused me emotional and financial distress, but it has also negatively impacted my credit report, which I find unjust given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX  Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 XXXXXX/XX/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 2025-10-13 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX  Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 XXXXXX/XX/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 2025-10-13 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: IL

Complaint narrative:
I am disputing several unauthorized credit inquiries that appear on my credit report. I did not apply for credit with these companies, nor did I grant anyone permission to access my credit profile. These inquiries were made without my knowledge or consent, and they are negatively impacting my credit score. I requested that these inquiries be investigated and removed. I am willing to provide identification or supporting documents as needed XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/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 2025-10-13 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: HI

Complaint narrative:
I am submitting a dispute concerning numerous inaccuracies appearing on my credit report. I have determined that many of these issues are unresolved, inaccurately reported, or unverifiable. These discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this dispute letter pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXXBalance Owed : {$0.00XX/XX/XXXXBalance Owed : {$0.00}XX/XX/XXXX Balance Owed : {$0.00} XX/XX/XXXXBalance Owed : {$0.00} XX/XX/XXXXBalance Owed : {$0.00}XX/XX/XXXX Balance Owed : {$2300.00}XX/XX/XXXX Balance Owed : {$0.00} XX/XX/XXXXBalance Owed : {$0.00}XX/XX/XXXXBalance Owed : {$0.00} XX/XX/XXXXBalance Owed : {$4600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$750.00} XXXX XXXXXX/XX/XXXX Balance Owed : {$2600.00} Inquiries Included in Dispute : XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according toXX/XX/XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to sectionXX/XX/XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. CXXXX XXXX ( XXXX ). According to, 15 U.S. CXX/XX/XXXXe XXXX 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. Under, 15 U.S CXX/XX/XXXXe XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-10-13 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: MO

Complaint narrative:
Remove disputed accounts as required under 15 U.S. Code 1681g in a timely fashion.

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 2025-10-13 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within f

our business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-13 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRES : XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-13 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: GA

Complaint narrative:
I am submitting this statement to dispute inaccurate late payment reporting and account details appearing on my credit report. The account XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX a mortgage account, is being inaccurately reported as late 30 days in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite the account being fully paid and closed with a {$0.00} balance as of XX/XX/XXXX. This reporting is inconsistent with the payment history I maintained and violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. Additionally, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also reflects a {$0.00} balance, yet appears with late payment reporting that is not supported by verifiable documentation. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data that they know or have reasonable cause to believe is inaccurate.

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