vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-18 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XXXX XXXX XX/XX/year> Equifax Credit Bureau TransUnion Credit Bureau Subject : * * Dispute of Unauthorized Hard Inquiry * * Dear Sir/Madam, I am writing to formally dispute a hard inquiry on my credit report. After reviewing my recent credit report, I noticed an inquiry from \ [ Company Name ] that I did not authorize or initiate. I believe this inquiry was made in error or without my consent. 

The specific inquiry in question is listed under the following details : * * * Date of Inquiry : * * \ XX/XX/year> ] * * * Creditor Name : * * \ [ XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/year> XXXX XXXX XXXX Inquiry Type : * * Hard Inquiry Please investigate this matter and remove the unauthorized inquiry from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, and this unauthorized inquiry is negatively impacting my credit score. 

For your reference, I have attached a copy of my credit report highlighting the disputed inquiry and my identification documents to help facilitate your investigation. 

If this inquiry was indeed unauthorized, please ensure that it is removed from my credit file and that a corrected report is sent to me. I would appreciate your prompt attention to this matter and kindly request that you confirm the removal in writing. 

Thank you for your assistance in resolving this issue. 

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 2025-09-18 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: MN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the cons
umer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 pers
on knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-18 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a wells Fargo bank account and credit card. The cards fees were also accompanied by interest doubling the monthly payment. I asked many times for assistance. They never complied. Recently they hired an attorney and sued me, making a judgement and threatening to garnish my wages, of which Ive none currently. I have been working with a debt collection company for two years with my credit card debts, and have successfully paid off 4 accounts. Wells Fargo wants over {$6000.00} dollars. When I never even owed them that amount! Theyve not taken away all the bank fees from prior, and added a bunch of unscrupulous lawyer fees!! It just isnt right or fair! 
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 2025-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
XXXX U-Verse place routers in every appartment in the XXXX XXXX XXXX in XXXX XXXX We switched from XXXX XXXX XXXX and XXXX wanted to hold us liable for the equipment. The equipment was never touched by us and we will not touch it to send it back to XXXX. If we remove it we will be liable to XXXX XXXX ( The landlord ). 

This is unreasonable and falsly charged to me. 

Additionally, Sequium is contacting me ( a Debt Collector ) about an unpaid balance with XXXX XXXX for the matter mentioned above. I have not contract with Sequium. I demand that this be removed from my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I requested a loan deferment from Fifth Third Bank on a conventional business loan to help my company ( XXXX  XXXX XXXX ) remain operational during the ongoing post-COVID downturn, rising wages, and inflationary pressures. Fifth Third denied this request and offered no alternative relief. As a result, the business was forced to close permanently later that summer. Since then, I have attempted to work with the bank in good faith to find a resolution, including a reasonable repayment plan, but instead I have been subjected to aggressive collection tactics, repeated calls, and threats of legal escalation. I escalated the matter to Investor Relations in XX/XX/XXXX ( Case # XXXX ), yet despite multiple follow-ups, the bank has not provided a substantive resolution and collections activity continues. I believe Fifth Thirds refusal to consider deferment or compromise, combined with their collection practices, is unfair given the economic conditions and the banks own policies during the pandemic period. I am requesting regulatory review of their handling of this account, the denial of deferment, and their current collection conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I am a Coinbase customer and I have been facing a serious problem since XX/XX/year>, when a large amount was incorrectly debited from my account : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 

I opened several support tickets, but only Case # XXXX was escalated, and during this case Coinbase agents formally admitted the error and guaranteed the full restitution of the exact amounts. 

On XX/XX/year>, Coinbase asked me to wait 7 days for the resolution. After this period, I contacted them again, and the support agent XXXX in case # XXXX confirmed that : The funds had indeed been debited incorrectly. 

The case was already escalated. 

Your funds will indeed be credited to your account. You wont lose anything because of this situation. 

He even stated that the problem should be solved in 3 days. 

However, until today ( XX/XX/year> ), my account remains blocked, the amounts have not been credited back, and I continue to receive contradictory and vague responses from different agents. 

Coinbase also alleged conversion rate exceeded, our " wrong XXXX deposit into my account '', but never provided proof of this claim, despite my repeated requests. Even though my statement proves that none of Coinbase 's allegations occurred This situation is causing me severe financial damage and distress, given the high amount involved and Coinbases repeated delays and contradictions. 

Resolution Requested Immediate restitution of the exact amounts debited ( XXXX XXXX and XXXX XXXX ) as originally promised by Coinbase support. 

Formal confirmation in writing that my account will be fully restored and that no further incorrect debits will occur. 

Clarification regarding the contradictory explanations provided by Coinbase agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
As allowed under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting an immediate reinvestigation and correction or deletion of the information outlined below. 
These items are harming my creditworthiness and do not accurately reflect my credit history. 
After careful review of my report, I identified the following issues : INACCURATE ADDRESSES TO BE REMOVED : Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX OLD XXXX XXXX, XXXX, GA, XXXX These addresses are not associated with me and were never my place of residence. They are inaccurately attached to my credit profile and must be deleted under FCRA 1681e ( b ), which mandates the reporting of only verifiable and accurate identifying information. 

COLLECTION ACCOUNT TO BE REMOVED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this collection account, and I believe it may be inaccurately attributed to my file. 
Please provide full documentation validating the debt, including the original account agreement, payment history, and verification of ownership. If it can not be verified, it must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
As allowed under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting an immediate reinvestigation and correction or deletion of the information outlined below. 
These items are harming my creditworthiness and do not accurately reflect my credit history. 
After careful review of my report, I identified the following issues : INACCURATE ADDRESSES TO BE REMOVED : Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX OLD XXXX XXXX, XXXX, GA, XXXX These addresses are not associated with me and were never my place of residence. They are inaccurately attached to my credit profile and must be deleted under FCRA 1681e ( b ), which mandates the reporting of only verifiable and accurate identifying information. 

COLLECTION ACCOUNT TO BE REMOVED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this collection account, and I believe it may be inaccurately attributed to my file. 
Please provide full documentation validating the debt, including the original account agreement, payment history, and verification of ownership. If it can not be verified, it must be deleted.

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 2025-09-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX Experian TRANSUION Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Equifax, Experian, TRANSUION Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
* * Accounts in credit card ( XXXX XXXX  ) balance {$3200.00} credit card discoverc balance {$7000.00} car loan ( XXXX XXXX XXXX ) balance {$17000.00}. 
Inquiries ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 
2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report.

Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 
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 non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX Experian TRANSUION Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Equifax, Experian, TRANSUION Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
* * Accounts in credit card ( XXXX XXXX  ) balance {$3200.00} credit card discoverc balance {$7000.00} car loan ( XXXX XXXX XXXX ) balance {$17000.00}. 
Inquiries ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 
2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report.

Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief