vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: NJ

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , 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 : XXXXXXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00}

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 non-monetary relief
Consumer complaint received 2025-07-10 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: AZ

Complaint narrative:
I am formally requesting an immediate re-investigation into several unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent and have negatively impacted my XXXX XXXX. 
I previously contacted your agency and was assured these inquiries would be removed. However, they still appear on my report. This continued inaction is unacceptable and raises serious concerns regarding potential identity theft.

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 2025-07-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FILED ALL THE PROPER REPORTS AND PAPERWORK. THIS IS MY OFFICIAL DISPUTE INFORMING THIS AGENCY OF THESE FALSE INQUIRIES THAT BEEN PLACED ON MY CREDIT FILE. UNDER THE FCRA ALL FALSE INFORMATION IS TO BE REMOVED AND WITH THAT SAID I RESPECTFULLY ASK FOR THESE FALSE AND FRAUDULENT INQUIRIES BE REMOVED. THESE ARE ALL THE FALSE CLOSED ACCOUNTS REPORTING TO MY CREDIT FILE 1. XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXXXXXX 3. XXXX  XXXX XXXX XXXX XXXX 4. XXXX OF XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX  XXXX XXXX 7. XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because a charge-off accounts continues to appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should be removed. 

These charge-off accounts are past the allowed reporting period and should no longer be shown on my credit report. I respectfully request that this account be removed immediately from all credit reporting databases. 

I attempted to dispute this directly with the credit bureau but the issue has not been resolved. I ask the CFPB to help in ensuring compliance with the FCRA and that outdated, negative information is removed.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because a charge-off accounts continues to appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should be removed. 

These charge-off accounts are past the allowed reporting period and should no longer be shown on my credit report. I respectfully request that this account be removed immediately from all credit reporting databases. 

I attempted to dispute this directly with the credit bureau but the issue has not been resolved. I ask the CFPB to help in ensuring compliance with the FCRA and that outdated, negative information is removed.

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 2025-07-10 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: TN

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXXXXXX/25

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 2025-07-10 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

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 XXXX XXXX XXXX ( XXXX ). 

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 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 2025-07-10 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: 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 Services , 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 FL XXXX INQUIRIES : XXXX  Date : XXXX/XXXX/2024

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 2025-07-10 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: AZ

Complaint narrative:
These accounts are being reported under my name without my knowledge or consent. I have never opened or managed them, and their presence on my credit report is both inaccurate and unacceptable. This false information misrepresents my financial history and raises serious concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I have been called multiple time by a private number ( that my visual voicemail showed as being XXXX ) asking for me to call them back at a different phone number : ( XXXX ) XXXX. 

The first time it happened I thought it was my university calling me, so I called the number back, it sent me to a voice mail, but otherwise I got no response. 

The second time happened today ( XXXX at XXXX XXXX  ) and they finally stated in the voicemail that it was a debt collection agency called " United Collection Bureau Incorporated '' . 

I only owe a student loan debt, and I am a current university student who knows that it not only doesn't have to be paid until I am out of school, but also knows that that gets paid directly to the federal government, not to a random debt collection agency. 

When I called them back this time, the lady on the other end of the phone refused to tell me who she was, and when I asked why I was being called, she kept demanding my name and saying I owed a debt, but would not tell me what I supposedly owed and to who.

I started to feel like this may be a scam call, so when I told her I knew my rights and I had a right to know why I was being called by a debt collection agency, she just kept said " well you do that '' until I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
On XX/XX/year>, I received an email from Coinbase saying : Success! We have verified your ID document. But when I tried to log in, it still claimed my ID was under manual review. Since then, Ive received multiple emails confirming that my account or verification was completed, but every single time, I get forced into the same broken loop with no resolution. Coinbases sys
tem keeps pulling up an outdated phone number that I updated weeks ago, which forces me into a recovery process. That recovery ends with the same manual ID review message even though they already confirmed its done. This appears to be an intentional system trap, not a technical glitch. 

There is no live support. No working email. No escalation path. Their phone number just plays a recording, and their chatbot offers no real help. Youre locked out and left with no recourse. This happened during a major crypto bull run, which leads me to believe they are strategically locking out retail traders to slow withdrawals or allow institutional players to exit first. 

This is not the first time Ive seen a company behave this way. I had to threaten small claims court to get a resolution with XXXX XXXX XXXX, and Im ready to do the same here. This is deceptive, manipulative behavior especially when they email me that the issue is fixed, then reroute me back into the same block. 

Im requesting full account access, an investigation into Coinbases use of manual review as a stall tactic, and formal CFPB oversight on whether these systems are being abused to suppress retail access during market peaks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I HAVE DISPUTE THIS XXXX XXXX  XXXX XXXXRAUD ACCOUNT OVER 30TIMES AND SHIOWN PROOF AT THIS ACCOUNT WAS FRAUD, I HAVE UPLOAD A POLICE REPORT, FTC IDENTITY THEFT REPORT, DISMISSAL FROM THE COURTS AND XXXX XXXX XXXX AS IT WAS FRAUD, XXXX XXXX XXXXXXXX EVEN REPORTED UNDER A COMPLAINT TO CFPB ABOUT XXXX  THAT THERE NOT REPORTING THIS ACCOUNT AND ITS DEEMED AS FRAUD, BUT EQUIFAX KEEPS ALLOWING XXXX XXXX  XXXX TO REPORT IT AND DO CREDIT RUINS, NOW I HAVE LOSTED MY XXXX DOWN PAYMENT AND LOST MY HOME LOAN DUE TO THIS FRAUD TRADE LINE. I HAVE FILED LEGAL ACTIONS AGAINST XXXX XXXX XXXXXXXX AND EQUIFAX FOR ALLOWING THIS FRAUD TRADE LINE, THEY REMOVE IT AND WITHIN 30 MINUTES ITS BACK ON MY REPORT, I'M DONE!!! EQUIFAX IS NOT LOOKING INTO THIS SITUATION OR INVESTIGATION PROBABLY AND ALLOWING BOA TO DO TRADE LINE FRAUD, XXXX XXXX XXXXXXXX DOES SHOW PROOF BUT ALL I DO IS SHOW PROOF AND THEY KEEP ALLOWING XXXX XXXX XXXXXXXX AND SEVERAL OTHER BANKS TO COMMENT TRADE LINE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, 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 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 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 non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Ive made multiple attempts over the past few months to raise concerns about the inaccuracies on my credit report, yet they remain unresolved. I want to make it clear that this complaint is legitimate and not submitted in error. These ongoing discrepancies are contributing to an already difficult situation and continue to negatively affect both my credit standing and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Credit Reporting Inaccuracy Violation of FCRA and Metro 2 Guidelines by XXXX XXXXXXXX Details of the Issue : I am submitting this complaint regarding inaccurate and misleading reporting of my XXXX XXXXXXXX credit card account ( Account Number : XXXX... ) on my credit report. Despite multiple disputes, the data furnishers have failed to correct clear violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

Specifically : - The * * Date of Status * * is shown as XX/XX/XXXX, yet the account is marked Charged Off through XX/XX/XXXX, contradicting Metro 2 timelines.

- The * * High Balance * * is listed as {$740.00}, which exceeds the original credit limit of {$500.00} without a clear explanation or breakdown of fees.

- The account continues to reflect CO status monthly for nearly two years post charge-offMetro 2 guidelines do not permit this. 
- * * Monthly Payment field * * is not reported at all ; it should reflect {$0.00} for a charged-off account. 
- Previous disputes were labeled investigation complete yet no corrections have been made, suggesting lack of genuine reinvestigation in violation of FCRA 611.

I am requesting the CFPB investigate this ongoing inaccurate reporting. I have exhausted disputes through the credit bureaus and continue to receive updates that ignore key compliance requirements. 

Impacted Parties : XXXX XXXX XXXXit Bureaus ( Experian, Equifax, XXXX  ) Outcome Requested : - Immediate reinvestigation in compliance with FCRA and Metro 2 guidelines. 
- Removal or correction of any data that violates industry standards. 
- Assurance that future disputes are handled fairly and legally. 

Thank you for your attention to this serious matter. 

Sincerely, 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 2025-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Subject : Credit Reporting Inaccuracy Violation of FCRA and Metro 2 Guidelines by Capital One Details of the Issue : I am submitting this complaint regarding inaccurate and misleading reporting of my Capital One credit card account ( Account Number : XXXX... ) on my credit report. Despite multiple disputes, the data furnishers have failed to correct clear violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

Specifically : - The * * Date of Status * * is shown as XX/XX/XXXX, yet the account is marked Charged Off through XX/XX/XXXX, contradicting Metro 2 timelines. 
- The

* * High Balance * * is listed as {$740.00}, which exceeds the original credit limit of {$500.00} without a clear explanation or breakdown of fees. - The account continues to reflect CO status monthly for nearly two years
post charge-offMetro 2 guidelines do not permit this.

- * * Monthly Payment field * * is not reported at all ; it should reflect {$0.00} for a charged-off account. 
- Previous disputes were labeled investigation complete yet no corrections have been made, suggesting lack of genuine reinvestigation in violation of FCRA 611.

I am requesting the CFPB investigate this ongoing inaccurate reporting. I have exhausted disputes through the credit bureaus and continue to receive updates that ignore key compliance requirements.

Impacted Parties : Capital One Credit Bureaus XXXX XXXX XXXX XXXX XXXX Outcome Requested : - Immediate reinvestigation in compliance with FCRA and Metro 2 guidelines. 
- Removal or correction of any data that violates industry standards.

- Assurance that future disputes are handled fairly and legally.

Thank you for your attention to this serious matter. 

SincerelyXXXX 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 explanation