vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: MS

Complaint narrative:
HELLO, I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. I need them removed immediately. They are keeping me from obtaining credit. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. XXXX says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
* * * * * * IMPORTANT * * * * * * PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Credit inquiries i did not authorized XXXXXXXX XXXX XXXXXX/XX/year> - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CO

Complaint narrative:
Credit inquiries i did not authorized XXXXXXXX XXXX XXXXXX/XX/year> - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by Credit Control Services Inc. ( account number ending in XXXX ), allegedly related to XXXX XXXX XXXX XXXX. I do not recognize this debt, have never had a relationship or contract with either company, and have never received any communication or validation of this alleged debt. 

The reported balance is {$82.00}, with a stated date opened of XX/XX/year>, and a status of collection as of XX/XX/year>. I have never received a bill, collection letter, or explanation of this charge. I believe this may be a result of file contamination, mistaken identity, or unauthorized debt reporting.

The account also lists 82 months under terms, which is clearly an inaccurate and illogical data entry, further casting doubt on the legitimacy and accuracy of the entire record.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), furnishers of credit information are required to : Report only accurate and verifiable information Cease collection activities until they provide written validation of the debt I never agreed verbally or in writing to any contract with this company, nor did I authorize them to represent or collect any debt on my behalf. They have failed to comply with federal law by reporting this without my knowledge or consent and without providing proper documentation.

I request that the CFPB require Credit Control Services Inc. to : Provide full validation of the alleged debt, including a signed contract or legally binding obligation Remove this collection account from all credit bureaus if it can not be properly validated Cease any further reporting or collection activity unless lawful validation is provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Reporting XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct. ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate, incomplete, and misleading information being reported on my XXXX credit report regarding the following account : Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : Ending in XXXX Reported Balance : {$400.00} Credit Limit : {$300.00} Date Opened : XX/XX/XXXX Status : Charged Off / Closed by Credit Grantor Upon review, the information reported for this account is factually inconsistent and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The following discrepancies must be addressed : Charge-Offs Should Not Report Active or Past-Due Balances : The account is listed as CHARGED OFF yet still reports a past-due balance and a current balance of {$400.00}. 
Once a debt is charged off, the creditor has declared it as a loss for accounting purposes. It is misleading and unlawful to report both a charge-off and an outstanding or past-due balance as if the account remains collectible or open. 
This violates FCRA 1681e ( b ) ( accuracy of information ) and FCRA 623 ( a ) ( 1 ) ( A ), which require furnishers to provide information that is accurate and not misleading.

Mathematical and Reporting Discrepancy : The reported balance of {$400.00} exceeds the original credit limit of {$300.00}, which is impossible and inaccurate. This clearly fails the maximum possible accuracy standard under FCRA 1681e ( b ). 

Missing Account Details : The report does not include a Date of Last Activity, yet lists a Date of First Delinquency ( XX/XX/XXXX ) and a Date Reported ( XX/XX/XXXX ). The absence of a verified last activity date creates ambiguity about the accounts reporting timeline and raises concerns of re-aging, which is prohibited under FCRA 623 ( a ) ( 5 ).

Incomplete or Misleading Status Information : The account is described as ACCOUNT CLOSED BY CREDIT GRANTOR / CHARGED OFF ACCOUNT, but no indication is provided whether it was sold or transferred to another entity. Failing to include that information renders the tradeline incomplete in violation of FCRA 1681i ( a ) ( reinvestigation requirement ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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:
i filed a complaint with your agency and im not happy with the results from the investigation in complaint # ( XXXX ) original complaint : ( SS # XXXX birthday XX/XX/year> This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX Equifax, and XXXX 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. This fraudulent inaccurate, and false information consist XXXX loans ( XXXX XXXX ) these are not mine.i have copies of the consumer XXXX credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you.said accounts were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud ) I am not happy with the results and i demand a reinvestigation and please give me details of how you verified and the names and adresss of those that verified this If the Bureau has verified that identity theft occurred, then : XXXX. You have acknowledged a crime under 18 U.S.C. 1028 ( Fraud and Related Activity in Connection with Identification Documents ), XXXX. The creditor ( s ) and credit reporting agency ( ies ) are under statutory duty to block or delete the fraudulent data, per 15 U.S.C. 1681c-2 ( a ) ( Fair Credit Reporting Act ), and XXXX. Any further furnishing or publication of that data constitutes willful noncompliance and defamation of credit, actionable under 15 U.S.C. 1681n and 1681o. Accordingly, I am demanding : A written explanation of how identity theft can be verified yet still remain on my file. The names and titles of any individuals or agencies who verified the theft. Immediate removal of all entries associated with the identity theft, including all tradelines, inquiries, and derivative accounts. A full reinvestigation pursuant to 15 U.S.C. 1681i ( a ), to include verification from the original data furnisher with certified proof of authorization or signature. Failure to comply will constitute continued negligence and bad-faith handling of a verified identity theft matter and may result in civil action for statutory, actual, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX XXXX PST I discovered unauthorized access and withdrawals from my Coinbase custodial account worth {$52000.00}. 

I did not share my password, XXXX codes, or any credentials with anyone, nor did I initiate or approve any transfers. 

The attacker appears to have obtained my account credentials without my cooperation and bypassed XXXX security. Funds were then transferred out of my Coinbase account to external wallets without authorization. 

Before the unauthorized activity, I received an email that appeared to originate from an @ XXXX address, instructing me to reset my account and verify my identity. I received a similar text message minutes later. Shortly after the fraudulent transaction, my XXXX security logs showed email deletions consistent with a remote compromise. 

Coinbase has confirmed receipt of my report and stated they will cooperate with law enforcement. I have already filed an XXXX report for recordkeeping. 

This incident qualifies as an unauthorized account-takeover, not a voluntary send. I am seeking full reimbursement under XXXX standard unauthorized-access reimbursement procedures and, if applicable, Coinbase XXXX Account Protection coverage. 

I have provided Coinbase, Inc. with extensive evidence : IP logs, timestamps, XXXX security alerts, and the last authorized actions on my account. To date, no reimbursement has been issued. 

XXXX : XX/XX/XXXX XXXX - Received email appearing from @ XXXX  instructing password reset. 
XX/XX/XXXX XXXX - Received text from coinbase.com domain with link to verify identification XX/XX/XXXX XXXX - XXXX alert : email messages deleted by attacker. 
XX/XX/XXXX XXXX - Locked XXXX account XX/XX/XXXX XXXX - Unauthorized withdrawal from Coinbase account detected. 
XX/XX/XXXX XXXX - Locked coinbase account, Reported incident to Coinbase Security XX/XX/XXXX - Secured all financial accounts with new password, XXXX required, XX/XX/XXXX - Filed XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: AL

Complaint narrative:
Because of law 15 u.s code 1681a ( 4 ) this bankruptcy violated my rights to privacy and I would like it removed from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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:
Because of law 15 u.s code 1681a ( 4 ) this bankruptcy violated my rights to privacy and I would like it removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I have called several times trying to find out why the do not report my good payment history. I have left messages because we did a loan modification XXXX  years ago and they still have us as having to speak to a single point of contact person. I left my cell phone number and requested that they call me and they said they did but did not. My interest rate isnt that great and I cant even think of refinancing since my credit score is low since theyre not reporting the good payment history. I even tried hold back a payment to get them to call me but all they did was send a letter threatening to report negative information but not any way to actually speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Chexsystems- they refuse to investigate or provide documentation showing the inquires and space coast account listed is mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I searched for a tv and an add came up for a XXXX XXXX on sale for {$51.00}. A XXXX logo came up and the page had a XXXX button to pay. Well, the page actually was not XXXX at all. The money actually went to another XXXX  account. XXXX  obviously wouldnt have a XXXX  account. The name on the account is XXXXXXXX XXXX XXXX!! I sent screenshots of the site I saw and the page showing I paid them and the XXXX page showing the {$51.00} went to them. I got denied saying I didnt have evidence. Appealed and denied again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: AR

Complaint narrative:
Loan was well over 7 years ago, however it shows original date of loan on credit report as of XX/XX/year>. This debt is an old account that is past the time for negative credit reporting and is being reported as a new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transform Credit Inc.
State: FL

Complaint narrative:
I am disputing a credit account reported by XXXX XXXX XXXX ( account number ending in XXXX ). I have no knowledge of this account, did not open it, and never gave consent to this company to extend credit, report on my credit file, or act on my behalf. 

The account is listed as opened on XX/XX/year>, with an original balance of {$360.00}, and shows as paid and closed by XX/XX/year>. While it reflects no late payments, I am concerned this account was fraudulently opened, or that it is the result of a file merge, identity theft, or misreporting. 

I have never communicated with XXXX XXXX XXXX, have no loan or account history with them, and did not authorize any loan or credit transaction during that time. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information are required to ensure the accuracy and integrity of the data they provide. Reporting accounts that were not opened by the consumer and never authorized is a violation of these obligations. 

I am requesting that the CFPB : Investigate the legitimacy of this account Require XXXX XXXX XXXX to provide documentation proving I authorized or opened this account Direct the company and credit bureaus to delete this account if no such documentation exists I am also submitting disputes to the credit bureaus and requesting verification under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: MI

Complaint narrative:
I XXXX XXXX am A victim of Identity theft request the deletion and removal of the following fraudulent accounts : XXXXXXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX opened XX/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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Ive never had a synchrony bank credit card but an account with them is showing closed on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DE

Complaint narrative:
I deposited my paycheck from my place of employment on Friday, XX/XX/XXXX. Chime placed my paycheck, that get from work, that I use to pay my bills and buy groceries to feed myself, on a 6 day hold. I contacted them but like always, Chime Member Services is never helpful and couldn't even tell me why. They just kept delivering the spiel on how it's for my safety and to make sure the funds are available ( the funds from my PLACE OF WORK ). I was unable to pay my bills or buy food for 6 days straight, meaning I starved. I just moved to a new state so I have no family or friends in the area that could have helped me. My paycheck finally clears on Thursday, XX/XX/XXXX. I pay my rent ( late ). Several hours after paying my rent a second charge for the same amount is taken out, putting my checking account balance in the negative by over {$800.00}. I contact the bank my landlord uses, that I deposit my rent into and they assure me I was only charged once. Chime has placed another hold on my account and once again I can not eat or pay my bills. Member services have been morning short of completely useless. There's nothing they can ever do every time I contact them with an issue and I'm sick and tired of it. I want my money back and for my account issues to be fixed and I want it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute one or more unauthorized hard inquiries that appear on my credit report maintained by your agency. These inquiries were made without my knowledge, authorization, or any permissible purpose, in direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b. According to the FCRA, a hard inquiry may only be made if there is a legitimate and permissible purpose, such as applying for credit, insurance, employment ( with written consent ), or other situations expressly permitted by law. I did not initiate or authorize this inquiry, and I demand that it be removed immediately from my credit file.

Under 15 U.S.C. 1681i, I am requesting that your agency conduct a reasonable reinvestigation into this matter and delete the unauthorized inquiry from my file. Please also provide a written confirmation of the results of your investigation within 30 days, as required by law. If this unauthorized inquiry is not removed, I will consider taking further legal action and filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation