vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am submitting this 3rd follow up complaint regarding inaccurate reporting and unauthorized inquiries appearing on my credit report. These errors have caused substantial harm to my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ) .Inaccurate Account Reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} This account is reported twice, creating duplication and an unfair negative impact on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off, Balance Owed : {$0.00XXXX XXXX XXXX  This account is still showing as a charge-off despite having a {$0.00} balance, which is misleading and inaccurate. 
Inaccurate Collections Reporting XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ( new collection ) XXXX XXXX These collection accounts contain discrepancies across credit bureaus. Some show balances when they should not, others list new collections without proper validation, and XXXX collection ( CREDIT COLL ) is reporting with a {$0.00} balance but remains classified as open/active, which is inaccurate. 
Unauthorized Credit Inquiries The following inquiries appear on my credit report and were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized inquiries violate my rights and contribute to an unfair decrease in my credit score. FCRA Violations FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy of reported information. FCRA 611, 15 U.S.C. 1681i : Grants me the right to dispute inaccurate information and obligates agencies to investigate and correct errors. FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know, or should know, is inaccurate.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: TX

Complaint narrative:
Collection agency trying to collect on debt that was ruled identity theft they removed debts from credit report and then this company put it on.

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 2025-10-01 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: FL

Complaint narrative:
I am submitting this complaint as a formal written dispute regarding an inaccurately reported charge-off account on my credit report. The account in question contains discrepancies, unverifiable reporting, and inconsistencies that may violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and request a reasonable reinvestigation. Additionally, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX Balance : - XXXX  XXXX Balance : {$7200.00} XXXX XXXX  XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
INCORRECT NAMES ON MY CREDIT REPORT NAMES ON THE REPORT : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX CORRECT NAME XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
INCORRECT NAMES ON MY CREDIT REPORT NAMES ON THE REPORT : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX CORRECT NAME 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/year>, my Coinbase account was hacked despite having XXXX enabled. Hackers bypassed the security system and stole {$9900.00} from my account. I immediately contacted Coinbase support, provided all evidence, and requested reimbursement. However, Coinbase has refused to compensate and only gave vague responses. 

I am a single mother of XXXXXXXX XXXX XXXX and lost my only savings. This incident has caused extreme financial hardship. Coinbase failed to protect customer accounts, and I believe they should be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
I am filling to formally dispute the inaccurate reporting of my XXXX  account ( Account # XXXXXX/XX/XXXX ) XXXX XXXX on my Equifax credit report. After reviewing my report, I noticed that Equifax is currently listing this account with a Late 30 Days payment status. This is factually incorrect and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: RI

Complaint narrative:
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  Account : XXXX Subject : Urgent Request for Deletion of Unauthorized Account Due to Violations of FCRA, TILA, GLBA, and XXXX Dear [ Credit Bureau Name ] : Experian I am formally disputing the account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX ] that appears on my credit file. 
This account was reported without my express authorization and constitutes a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( ILA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. 
Additionally, I have filed a formal report with the Federal Trade Commission ( FTC ), which is currently under review and included in my documentation supporting this dispute. 
Outlined below are the specific legal grounds for my demand : 1. Violation of FCRA ( 15 U.S.C. $ $ 1681b, 1681e ( b ), 16811 ) 2. Violation of TILA ( 15 U.S.C. 1631 ) 3. Violation of GLBA ( 15 U.S.C. 6801-6809 ; 16 C.F.R. 313 ) 4. Violation of the Right to Financial Privacy Act ( 12 U.S.C. 3402 ) 5. Violation of UDAAP 6. Lack of verifiable documentation ( 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) and 1681g ( a ) ( 2 ) ) 7. Financial and emotional harm Based on the above, I am requesting the immediate deletion of this account from my credit report. Under 15 U.S.C. 1681i, you are legally required to investigate and resolve any inaccuracies within 30 days. 
If this request is not fulfilled, I am prepared to pursue additional legal remedies and escalate this matter to appropriate regulatory agencies. 
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 2025-10-01 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: RI

Complaint narrative:
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  Account : XXXX Subject : Urgent Request for Deletion of Unauthorized Account Due to Violations of FCRA, TILA, GLBA, and XXXX Dear [ Credit Bureau Name ] : Experian I am formally disputing the account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX ] that appears on my credit file. 
This account was reported without my express authorization and constitutes a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( ILA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. 
Additionally, I have filed a formal report with the Federal Trade Commission ( FTC ), which is currently under review and included in my documentation supporting this dispute. 
Outlined below are the specific legal grounds for my demand : 1. Violation of FCRA ( 15 U.S.C. $ $ 1681b, 1681e ( b ), 16811 ) 2. Violation of TILA ( 15 U.S.C. 1631 ) 3. Violation of GLBA ( 15 U.S.C. 6801-6809 ; 16 C.F.R. 313 ) 4. Violation of the Right to Financial Privacy Act ( 12 U.S.C. 3402 ) 5. Violation of UDAAP 6. Lack of verifiable documentation ( 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) and 1681g ( a ) ( 2 ) ) 7. Financial and emotional harm Based on the above, I am requesting the immediate deletion of this account from my credit report. Under 15 U.S.C. 1681i, you are legally required to investigate and resolve any inaccuracies within 30 days. 
If this request is not fulfilled, I am prepared to pursue additional legal remedies and escalate this matter to appropriate regulatory agencies. 
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 2025-10-01 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: IN

Complaint narrative:
I am the victim of identity theft, and fraudulent accounts and inquiries have been placed on my credit reports without my authorization. Specifically, accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, as well as inquiries from auto financing and personal loan companies, do not belong to me. 

I submitted disputes to the credit bureaus and provided my FTC Identity Theft Report ( XXXX XXXX ), government ID, and proof of address. Under FCRA 605B, the credit bureaus are required to block and remove these fraudulent items within XXXX business days. Instead, they have left the accounts and continue to report them as valid, causing ongoing harm. 

I requested verification of the debts and inquiries, and for the fraudulent items to be blocked. The companies failed to provide proper verification and have not deleted the fraudulent information. I am requesting that the CFPB ensure these items are permanently removed from my credit reports and that all collection activity related to them cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: IN

Complaint narrative:
I am the victim of identity theft, and fraudulent accounts and inquiries have been placed on my credit reports without my authorization. Specifically, accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, as well as inquiries from auto financing and personal loan companies, do not belong to me. 

I submitted disputes to the credit bureaus and provided my FTC Identity Theft Report ( XXXX XXXX ), government ID, and proof of address. Under FCRA 605B, the credit bureaus are required to block and remove these fraudulent items within XXXX business days. Instead, they have left the accounts and continue to report them as valid, causing ongoing harm. 

I requested verification of the debts and inquiries, and for the fraudulent items to be blocked. The companies failed to provide proper verification and have not deleted the fraudulent information. I am requesting that the CFPB ensure these items are permanently removed from my credit reports and that all collection activity related to them cease.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX XXXX XXXX, I enrolled in XXXX XXXX  through XXXX XXXX XXXX. The subscription was explicitly advertised with a seven-day free trial. My intent was to test the application during the trial period and then decide whether to pay for a subscription. To avoid unintended charges, I canceled the subscription within a few hours on the same day. 

Despite this, on XX/XX/year>, at XXXX XXXX XXXX XXXX, XXXX billed my Wells Fargo debit card {$110.00} for the annual subscription immediately, before the trial period had expired. This directly contradicted the terms of the free trial and constitutes unauthorized billing. 

I pursued resolution directly with XXXX through every channel available. I filed a refund request through the Report a XXXX XXXX, which was denied. I then filed an appeal, which was also denied. I contacted XXXX XXXX first by text message and later by phone. On the call, the representative stated that refund decisions are based on the account and admitted that XXXX does not disclose the criteria it uses to determine eligibility. He was unable to provide any explanation for why I was charged during a free trial or why my refund was refused. 

This is not a discretionary refund request and it is not a change-of-mind issue. It was a misrepresentation of terms and an unauthorized charge imposed without my consent. This is also the second time within the past year that XXXX has charged my account prematurely during a trial period, which demonstrates a repeated and predatory billing practice. The lack of transparency about the criteria XXXX uses to grant or deny refunds further heightens the concern that this practice is systemic rather than accidental. 

I am requesting a full refund of {$110.00} and a regulatory investigation into XXXX subscription billing practices. This conduct raises potential violations of federal consumer protection laws, including the Truth in Lending Act and Regulation Z, as well as the Restore Online Shoppers Confidence Act, which prohibits charging consumers before the completion of a free trial without informed 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 2025-10-01 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: Experian Information Solutions Inc.
State: GA

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 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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transform Credit Inc.
State: CA

Complaint narrative:
I want a dispute this credit debt that I don't own or never open an account please help settle this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: RI

Complaint narrative:
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  Account : XXXX Subject : Urgent Request for Deletion of Unauthorized Account Due to Violations of FCRA, TILA, GLBA, and XXXX Dear [ Credit Bureau Name ] : Experian I am formally disputing the account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX ] that appears on my credit file. 
This account was reported without my express authorization and constitutes a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( ILA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. 
Additionally, I have filed a formal report with the Federal Trade Commission ( FTC ), which is currently under review and included in my documentation supporting this dispute. 
Outlined below are the specific legal grounds for my demand : 1. Violation of FCRA ( 15 U.S.C. $ $ 1681b, 1681e ( b ), 16811 ) 2. Violation of TILA ( 15 U.S.C. 1631 ) 3. Violation of GLBA ( 15 U.S.C. 6801-6809 ; 16 C.F.R. 313 ) 4. Violation of the Right to Financial Privacy Act ( 12 U.S.C. 3402 ) 5. Violation of UDAAP 6. Lack of verifiable documentation ( 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) and 1681g ( a ) ( 2 ) ) 7. Financial and emotional harm Based on the above, I am requesting the immediate deletion of this account from my credit report. Under 15 U.S.C. 1681i, you are legally required to investigate and resolve any inaccuracies within 30 days. 
If this request is not fulfilled, I am prepared to pursue additional legal remedies and escalate this matter to appropriate regulatory agencies. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation