vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my FIFTH and FINAL NOTICE regarding the fraudulent information being reported on my consumer file in violation of FCRA 605B. You have repeatedly failed to comply with your obligations to block this information after receiving a valid FTC Identity Theft Report and supporting documents.

The continued reporting of these accounts and inquiries is damaging, unlawful, and considered WILLFUL NONCOMPLIANCE, which entitles me to seek ACTUAL AND STATUTORY DAMAGES under 15 U.S.C. 1681n. 
INQUIRIES : XXXX 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 non-monetary relief
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am formally disputing the following unauthorized hard inquiries reported by TransUnion. Reporting these inquiries without my written consent violates 15 U.S.C. 1681b, which requires a valid permissible purpose, and 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. I am demanding the immediate removal of these unauthorized inquiries from my credit file and a full written confirmation of their deletion. Failure to comply will leave me no choice but to escalate this matter through formal complaints and legal action to protect my rights.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Full Circle Financial Services, LLC
State: CA

Complaint narrative:
Im reaching out regarding my credit report. I recently contacted XXXX XXXX XXXX XXXX, but they advised me that I would need to reach out to you, XXXX, directly for an update. I also included Full Circle Financial since they were helpful and provided the resolution letter. 

To be transparent, the only reason Im contacting you is because they directed me to do so otherwise, I wouldnt have filed a complaint. To be clear, this is not a complaint about your company ; Im simply hoping you may be able to help.

Since my account has been settled ( see attached settlement letter ), I kindly request that the bureau reporting be updated. Specifically, I am asking that the Pay Status / Remark be updated to reflect Settled.

Just to clarify, I am not requesting removal of the account from my credit report only that the remark be corrected to accurately reflect the settled status.

Thank you very much for your assistance. Please let me know if you need any additional documentation from me to complete this update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Payward Ventures Inc. dba Kraken
State: AZ

Complaint narrative:
I deposited cryptocurrency ( XXXX  ) to my Kraken account, but used the XXXX  XXXX XXXX instead of XXXX. Kraken only supports XXXX deposits of XXXX, so the funds did not automatically credit. The funds are nevertheless held at a wallet controlled by XXXX, but XXXX XXXX has so far declined to recover and credit my deposit. 

Details of the Transaction : Date of transfer : [ XX/XX/year> ] Amount : Approximately {$19000.00} USD equivalent in XXXX Sending platform :, XXXX  Receiving platform : XXXX XXXX : XXXX Why I am Filing This Complaint : Krakens own deposit instructions require XXXX network for XXXX, but when a mistake occurs, the exchange has the technical ability to access these funds because the deposit address is under their custody and control. I provided Kraken support with the transaction ID, amount, and addresses. Support acknowledged the funds are on the blockchain, but stated that recovery is not guaranteed and has not agreed to return my {$19000.00}.

As a consumer, this is concerning because : The funds are not lost they remain within Krakens wallets.

Kraken is the custodian of those wallets and is the only party able to return the funds.

Kraken advertises itself as a secure, regulated exchange in the U.S. and should have transparent, fair recovery practices, particularly when the amount is significant.

Refusing to assist, or indefinitely delaying recovery, places an undue burden on consumers and raises questions of fairness in their handling of customer assets.

Resolution Sought : I respectfully request that the CFPB require Kraken to : 1. Acknowledge and confirm custody of the transferred funds.

2. Provide a timeline and fee structure for recovery of the unsupported deposit.

3. Recover and credit my {$19000.00} worth of XXXX  to my Kraken account ( or return to my sending address ) within a reasonable timeframe.

I am not disputing Krakens published policies about unsupported deposits being at risk ; however, in this case the funds are demonstrably accessible to Kraken, and I believe it is unfair and potentially deceptive to withhold recovery for a substantial customer deposit.

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 2025-08-28 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: PA

Complaint narrative:
I am filing this complaint because the three nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ) are publishing materially false and conflicting derogatory data on my student loan accounts ( DEPTEDXXXX XXXXXXXX and DEPTEDXXXX XXXX ). 

Each bureau reports different late-payment histories and statuses for the same tradelines. For example, Experian shows the loan as 150 days late, while Equifax and TransUnion show 120 days late. It is impossible for the same account to exist in multiple stages of delinquency. This violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires maximum possible accuracy, and 1681i, which requires deletion or correction of unverifiable data.

Equifax also fabricated a closure date of XX/XX/XXXX on an account that opened in XXXX and last had activity years earlier. This constitutes unlawful re-aging in violation of FCRA 623 ( a ) ( 2 ). In addition, TransUnion shows the account as disputed while Equifax and Experian do not, violating FCRA 623 ( a ) ( 3 ), which requires that once an account is disputed it must be marked disputed

across all agencies. The bureaus are not only reporting contradictory delinquency statuses ( 120-day vs 150-day late ), but also inconsistent balances, closure dates, and dispute notations. Metro 2 reporting standards require uniformity across fields such as Account Status, Payment History Profile, and Date of First Delinquency, yet all three agencies are publishing irreconcilable contradictions. These systemic errors materially defame my creditworthiness, misrepresent my payment history, and
cause financial injury. I am a confirmed victim of the Equifax and XXXX XXXX XXXX breaches, which means the bureaus are under an even higher duty to ensure accuracy and verification.

I am not requesting deletion of the accounts themselves, as their age benefits my profile, but I demand immediate correction. All false late-payment notations ( 120-day, 150-day ) must be permanently removed unless the bureaus can produce original billing statements and itemized ledgers proving delinquency under TILA 1666 ( b ). If proper proof can not be provided, the tradelines must be updated to Pays as Agreed with the correct open date ( XX/XX/XXXX ) and closure date ( XXXX ). 

The failure to correct these violations after disputes constitutes willful and negligent noncompliance under FCRA 1681n and 1681o. I am asking the CFPB to intervene and require the credit bureaus to immediately remove all inaccurate late-payment notations and correct the tradelines in full compliance with the 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 2025-08-28 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-28 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-28 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a mailed dispute to TransUnion on XX/XX/2025 regarding several XXXX student loan tradelines that contain outdated and inaccurate negative information. I provided my ID, proof of address, and a highlighted copy of the TransUnion credit report showing the disputed items. 

I received a response from TransUnion on XX/XX/2025, stating the accounts were verified as accurate, but they failed to provide any documentation or explanation of the investigation process. No supporting records from XXXX were included, and the letter appears to be a generic response without meaningful reinvestigation. 

I am requesting that the CFPB ensure TransUnion complies with FCRA regulations ( 15 U.S.C. 1681i ) by : Providing documentation from XXXX verifying all disputed information Removing or correcting any unverifiable or inaccurate data Notifying me and the other CRAs of changes made

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 2025-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MD

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested XXXX  months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief