vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains the account XXXX XXXX XXXX and certain hard inquiries that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my
consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, the agency continues to report the account and the inquiries, causing ongoing harm.

The credit reporting agency has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumers file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
Im filing this CFPB complaint because TransUnion has been dragging its feet and refusing to properly handle my dispute about the XXXX account ( Account # : XXXX ) that I never authorized to be on my credit report. This whole process has been exhausting and unfair. 

Back on XX/XX/scrub>, 2025, I sent them everything FTC Identity Theft Report, proof of identity, and a clear explanation that this account should never have been reported under the Fair Credit Reporting Act. There is no permissible purpose under 15 U.S.C. 1681b for this account to be on my file. I never gave written consent, I never signed anything, and Ive been XXXX clear about that. 

Weeks went by with no real action, so on XX/XX/year>2025, I sent another letter demanding the Method of Verification under 15 U.S.C. 1681i ( 7 ). I asked for the business name, address, and phone number of the furnisher they contacted, the name of the person who verified it, a copy of the original signed contract, and a breakdown of their accuracy procedures ( as required under 1681e ( b ) ). They gave me nothing. The account is still there like my dispute never happened.

This isnt just a slow response its willful noncompliance. Under 15 U.S.C. 1681e ( b ), they are required to maintain maximum possible accuracy. Under 15 U.S.C. 1681c-2, once they have proof of identity theft ( which I provided ), they must block and delete the item within 15 business days. They havent done it. Instead, I get vague were still working on it messages while my credit and my life keep taking hits. 

This isnt harmless. Their inaction has caused ongoing XXXX, XXXX, and damage to my creditworthiness. Ive done everything by the book, but TransUnion is treating my rights as optional. If they cant verify it with proper evidence, then the law says it must be deleted. Thats not optional.

Im asking the CFPB to step in and make TransUnion follow the law, permanently delete this account, and send me written confirmation once its done. I dont want another generic E-Oscar response or an empty status update. I want this fixed the way the FCRA requires, and I want it fixed now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: TN

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TN

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am disputing a late payment recorded on my credit report that is inaccurate. My payment records show that all payments were made on or before the due dates. This erroneous entry is unjustly damaging my creditworthiness and should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: SC

Complaint narrative:
I am in disagreement with the accounts listed below that still appear on my credit report, even after you completed an investigation. I would like for the items to be reinvestigated immediately. The items are highly injurious to my credit score. Here are the items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after the reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CO

Complaint narrative:
To Whom It May Concern, I am filing this complaint to formally document unprofessional conduct and refusal of service from my federal student loan servicer. 

On XX/XX/year>, I contacted my loan servicer regarding my XXXX XXXX loans and my active borrower defense case # XXXX on file with Federal Student Aid. I requested immediate administrative forbearance or a short-term hardship forbearance, citing my status as a public sector employee. 

During the call, the employee I spoke with initially refused to transfer me to a supervisor. After I insisted, the employee placed me on hold to ask the supervisor to take my call. The supervisor refused to speak with me at all. I also requested the supervisors name and employee ID number. The supervisor refused to provide this information to the employee, who then refused to provide it to me. 

This conduct is unacceptable and appears to be in violation of standard customer service protocols and transparency requirements. As a borrower, I have the right to escalate unresolved issues to a supervisor and to know the identity of the person making decisions about my account. 

I request that this complaint be formally documented and investigated, and that appropriate action be taken to ensure that borrowers are treated with respect, provided with full disclosure, and allowed to escalate matters when necessary. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AZ

Complaint narrative:
These accounts are being reported in my name without my authorization or knowledge. I have never applied for, opened, or managed them. Their presence on my credit report is unacceptable and constitutes false and misleading information about my financial history. 

I take the accuracy of my credit profile seriously and require immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NY

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 want these accounts removed within 15 days under USC 1681g as theyre not 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 2025-08-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Im filing a complaint because TransUnion, Experian, and Equifax are all reporting the same account differently and the information is wrong. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type : Revolving / Charge Account When I compared my reports, I found major differences that clearly violate the Fair Credit Reporting Act, which requires that all reported information be accurate and verifiable. 
XXXX what I found : Date Last Active TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX High Credit TransUnion : {$760.00} Experian : {$0.00} ( impossible if late payments occurred ) Equifax : {$760.00} XXXX XXXX TransUnion : {$340.00} Experian : {$340.00} Equifax : {$0.00} Comments/ Status TransUnion : Charged off as bad debt / Purchased by another lender Experian : Purchased by another lender. Unpaid balance reported as a loss Equifax : Charged off account/ Account transferred or sold These details cant all be correct for the same account. The inconsistencies make the data unreliable and unverified. Ive already disputed this with all three bureaus, and they have failed to fix or remove it. 
Under the FCRA, if an account can not be verified with complete and consistent records, it must be deleted. I am asking the CFPB to investigate and require TransUnion, Experian, and Equifax to either prove the accounts accuracy or delete it entirely from all three of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I am submitting this complaint regarding unauthorized charges made to my bank account by Coinbase XXXX XXXX . 

Timeline and Details of the Issue : On XX/XX/year>, I processed a wire transfer through Coinbase. Coinbase advertised that the wire cost would be free with a Coinbase XXXX premium membership. 
I was informed that the cost of the wire without Coinbase XXXX would be higher than the cost of the membership, so I agreed to XXXX month of Coinbase XXXX. 
On XX/XX/year>, Coinbase billed me {$280.00} for Coinbase XXXX. I am not disputing this charge. 
After completing the wire transfer, I cancelled the Coinbase XXXX membership. Coinbase confirmed the cancellation, and I was not billed in XX/XX/year>. 
I also had recurring cryptocurrency  purchases set up through my Coinbase account, but I cancelled all recurring purchases on XX/XX/year>. 
After cancelling both the subscription and all recurring purchases, I did not use the Coinbase platform again for any transactions. 
Despite this, Coinbase resumed billing me without my authorization for Coinbase XXXX at the price of {$290.00} per month : o XX/XX/year> {$290.00} o XX/XX/year> {$290.00} o XX/XX/year> {$290.00} o XX/XX/year> {$290.00} Coinbase did not sent emails or any other correspondence about the charges that were being deducted from my bank account. 
Upon discovery of the charges, I notified Coinbase immediately and provided supporting documentation. They said that their member agreement does not allow for them to refund the charges. 

Why This is Harmful : Coinbase charged me for a subscription I had already cancelled and for which billing had stopped in XX/XX/year>. Restarting billing without my consent, after I had also cancelled all recurring purchases constitutes : Unauthorized withdrawals in violation of the Electronic Fund Transfer Act and Regulation XXXX A predatory billing tactic, resuming charges without customer consent Potential deceptive practices under federal and state consumer protection laws Resolution Requested : An immediate full refund of all unauthorized charges after cancellation ( {$1100.00} ) Written confirmation that my account will not be billed again without my explicit consent An internal investigation into how these charges were resumed after confirmed cancellation I am prepared to provide bank statements, Coinbase account history, recurring purchase cancellation

Company response to consumer: Closed with explanation