vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: IN

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

1681c-2 ) that you, the Experian credit reporting agency, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IN XXXX INQUIRIES : XXXX  Date : XX/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 2025-06-13 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: OH

Complaint narrative:
Arsenal previous complaints that are on file with TransUnion for them to remove negative accounts for my TransUnion credit profile also to remove XXXX increase in my transient credit profile that do not belong to me I recently received the letter saying that my credit information was involved in a data breach and could have been used adversity by people fraudulently. 

I reached out to transging and ask them to provide we with proof validation of any of these accounts with signature signed contracts with my name and they have not done so and it has been over 30 days I've also requested to be compensated for these issues and the way that it reports to my credit report now that I've been involved in the data breach I am again requesting to be compensated for penalties by transunion and the creditors who are reporting the information to my report there are XXXX negative accounts just with TransUnion. Paid penalties for these penalties will be {$1000.00} per penalty than I am requesting which would be a total estimate of {$22000.00} paid to XXXX XXXX early. 
Check sent to XXXX XXXX XXXX XXXX Ohio XXXX closed accounts then need to be closed and remove. XXXX XXXX XXXX XXXX {$0.00}, {$360.00}, {$2700.00}, XXXX- {$49.00}. 
XXXX- {$0.00} the inquiries are from different locations and also each need to be removed. 

From XXXX XXXX XXXX XXXX XXXX XXXX The attorney office I will use if needed. 
Dough and associates. XXXX XXXX, XXXX Ohio

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I submitted multiple disputes to Experian starting regarding fraudulent accounts resulting from identity theft. With my disputes, I included clear and sufficient documentation : identity theft reports, police reports, FTC Identity Theft Affidavit, proof of my identity, and applicable legal references under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681c-2. Despite receiving all required documentation, Experian failed to comply with their legal obligations to remove or correct the fraudulent information within the legally required timeframes. This is a direct violation of federal law, and their inaction continues to harm my credit standing and financial wellbeing. Experian failure to follow proper procedures reflects either willful noncompliance or gross negligence. I am requesting the CFPB to take immediate action to hold Experian accountable, ensure full deletion of all fraudulent accounts, and apply any applicable penalties for their failure to comply with federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I submitted multiple disputes to Experian starting regarding fraudulent accounts resulting from identity theft. With my disputes, I included clear and sufficient documentation : identity theft reports, police reports, FTC Identity Theft Affidavit, proof of my identity, and applicable legal references under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681c-2. Despite receiving all required documentation, Experian failed to comply with their legal obligations to remove or correct the fraudulent information within the legally required timeframes. This is a direct violation of federal law, and their inaction continues to harm my credit standing and financial wellbeing. Experian failure to follow proper procedures reflects either willful noncompliance or gross negligence. I am requesting the CFPB to take immediate action to hold Experian accountable, ensure full deletion of all fraudulent accounts, and apply any applicable penalties for their failure to comply with federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/year> To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 168li of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name & Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within XXXX  days of the completion of your investigation. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain emploment Please consider expediting. 
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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Weve been trying for months to set up automatic biweekly payments of {$2600.00} on our mortgage loan ( # XXXX ) with NewRez. Weve submitted the required forms multiple times and spoken with at least XXXX representatives, including managers, who assured us it would be resolved. Most recently, NewRez attempted to pull a payment from a XXXX  XXXX XXXX account that does not belong to uswe bank with XXXX XXXX. This led to a returned payment and cancellation of the biweekly setup. 

Despite our efforts, NewRez continues to mishandle our account. Weve spent over XXXX hours trying to fix this with no resolution. Weve now sent a formal letter to the XXXX XXXX XXXX XXXX and XXXX XXXX, requesting correction and written confirmation within XXXX business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: FL

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : INQUIRIES : XXXX Date : XX/XX/2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Good day, This letter is a notification concerning an ongoing issue I am having with Coinbase. One that I am having no success in resolving through their customer support channels. As Coinbase stipulates that unresolved complaints should be redirected to your office, I am seeking your support in this resolution. My issue is timely, as each hour it persists costs me the loss of demonstratable profits directly related to XXXX market fluctuations. Profits that I can not fully take advantage of until Coinbase corrects their error. 

Incorrect XXXX price is affecting and causing serious loss of time, money, inability to realize full profits from purchase and cash out. 

At issue : On XX/XX/year> - XXXX EST - I made a XXXX  purchase on top of {$100000.00} USD, as seen in attached PDF # XXXX. Coinbase purchased XXXX on my behalf with a final purchase price of {$100000.00} USD as seen in attached PDF # XXXX. Coinbase then assigned me an " Average Cost '' of {$100000.00} USD from which any profit/loss is calculated, as seen on PDF # XXXX. Assessing the value of my purchased XXXX currency at a base of XXXX USD rather than {$100000.00} USD delivers me a significant loss. 

Coinbase, represented by their Customer Service personnel, has patently refused to own or correct this problem. Whether this is a result of an internal policy that might cross over into fraud is unknown to me but certainly possible. Coinbase 's claim is that this is due to " slippage '' and market volatility. However, as you can see on Coinbase trusted outlining accepted XXXX  current and historical price data : https : //coinmarketcap.com/, never touched or even hovered near {$100000.00} USD on XX/XX/year>. XXXX XXXX did not reach the Average Cost price of {$100000.00} USD applied to my Account and as seen in attached PDF # XXXX until XX/XX/year> at around XXXX EST. Many days after my purchase. 

As recorded in a database attached PDF # XXXX, Coinbase support connected me to outlining accepted XXXX current and historical price data : XXXX XXXX XXXXXXXXXXXX They could not give any support of any changes after that information, as seen PDF # XXXX where we see the time I invested with Customer Support 's incoming phone calls. 

You will also see in the attached documentation that my Coinbase fees PDF # XXXX are also far from enough to contribute to this arbitrary and detrimental Average Cost assigned to me. 

Until this is corrected, I can not utilize the full potential of my actual purchase and in fact losing profit as seen on PDF # XXXX, created today. 

I ask your assistance into looking into and resolving this matter. All relevant data, receipts, correspondence and other collateral will be attached to this Complaint. Please contact me at your earliest convenience should you require further explanation or materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: NY

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX ACCOUNTS : 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 2025-06-13 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: CA

Complaint narrative:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address.

The following accounts are the result of identity theft and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address.

The following accounts are the result of identity theft and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
As of 15 USC 1692 G 1 ) I need a Full detailed list of payment history on this account. 2 ) I Want to see the original wet signature i agreed to on the contract for this creditor. 3 ) Has there been any insurance claims on this debt? 4 ) I want the chain of title/ custody that you have to collect on this debt. If you can not provide all of these documents, then it needs to be removed and deleted from my report. Thank you

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