vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Bitstamp USA, Inc.
State: TX

Complaint narrative:
Issue Type : Virtual currency Account access or KYC dispute Company : Bitstamp Date problem started : XX/XX/XXXX Description : Bitstamp froze my cryptocurrency withdrawals on XX/XX/XXXX, as part of a Know Your Customer ( KYC ) procedure. I promptly provided all requested documentation on XX/XX/XXXX. Bitstamp responded on XX/XX/XXXX, requesting additional clarification, which I submitted on XX/XX/XXXX. 

Since then, I have sent four follow-up messages ( on XX/XX/XXXX, XXXX, and XXXX ) and also submitted a formal complaint on XX/XX/XXXX. As of XX/XX/XXXX, my ability to withdraw funds remains blocked, and Ive received no further response. 

I also contacted their customer service by phone on XX/XX/XXXX and XX/XX/XXXX. They acknowledged the issue but said the relevant team does not take calls and that there was no way to escalate or speak with a supervisor.

This delay is financially harmful and unreasonably long. I am requesting immediate resolution of my ticket ( # XXXX ) and restoration of withdrawal access to my account.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
b"I was forcefully taken into XXXX XXXX  on XXXX XXXX XXXX for a period or 5 months. I was released on XXXX XXXX XXXX.  I filed an unauthorized transaction dispute with Chime when I realized money had been spent. I asked that an investigation be conducted regarding any transaction made after XXXX on XXXX XXXX. I understand that the My Pay and Pay Anyone transactions are ineligible to be disputed, thus are instantly denied. The dispute number XXXX is all other transactions I am disputing from XXXX XXXX - XXXX XXXX. Dispute number XXXX  is an individual transaction that should have been included in dispute number XXXX.  I never disputed that specific transaction individually , but somehow Chime decided to approve that dispute in my favor, but not XXXX  or any transactions within that dispute that had the same exact date as the dispute they did approve. I have provided Chime with proof of me being in rehabilitation along with other documents which can put me in rehab during the time all the transactions were made.They shortly denied my claim and couldn't provide a reason as to why they're denying my unauthorized transaction claim. \n\n\n\nDispute Numbers:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Original dispute from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Never opened this dispute individually.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 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 2025-07-31 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 discovered this account while reviewing my credit report and immediately noticed multiple inconsistencies that raised serious concerns. I do not recall ever opening or authorizing this account, and I have never received any statements, billing notices, or communication from the original creditor or any collection agency regarding the balance allegedly owed. The account shows a negative status and a balance amount that I do not recognize, and no documentation has ever been provided to substantiate its legitimacy. I attempted to resolve the matter by initiating a dispute previously, but no proper validation or explanation was given. I am now formally requesting that this account be fully investigated and removed from my credit report if the company can not provide complete and accurate documentation verifying its validity.

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 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

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 2025-07-31 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: EQUIFAX, INC.
State: NE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-31 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I am filing this complaint against Conserve Collections for ongoing violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Recently, Conserve contacted me by phone about a debt I did not recognize. I informed them that I was disputing the debt and requested validation. They claimed they mailed a letter, which I never received. Upon further speaking with the representative, it was disclosed that they had my incorrect address ( different than what was on my driver 's license ) I asked them to resend the validation via email, as well as to my correct address and they failed to do so. Instead of complying with their legal obligations under 15 U.S. Code 1692g ( b ), they told me that I would need to contact the original creditor myself and find out from them why Conserve is collecting a debt and to ask them where it stems from which is a blatant violation of the FDCPA. To make matters worse, a week later they reported TWO debts to the credit bureaus with a disputed remark despite never providing validation or verification. This violates FCRA ( 15 U.S. Code 1681s-2 ), which prohibits the reporting of inaccurate or unverifiable information to consumer reporting agencies. This is not the first time Conserve Collections has engaged in this kind of deceptive and harmful behavior. They have previously reported false or inaccurate information on my credit report that they ultimately had to remove after failing to validate the debt. This demonstrates a pattern of unlawful collection tactics and negligent reporting. It is not sufficient or legal for a debt collector to merely accept a debt and begin collecting without being able to clearly identify the original creditor, provide itemized charges, or produce a signed agreement or contract. Consumers have the legal right to challenge questionable debts, and debt collectors are legally obligated to respond with evidence not excuses. With the power to impact credit scores, financial opportunities, and loan access, Conserve and other collectors must be held to the highest standard of accuracy, transparency, and legal compliance. These repeated violations are more than oversights they are abusive, deceptive, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX XXXX XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 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 any 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 of 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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX has taken action against AMERCIAN EXPRESS NATIONAL BANK for their negligence to investigate the fraud and racketeering being committed against his person. A petition has been filed for Fraud on the Court in the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 

American Express illegally served XXXX XXXX XXXX XXXX through their counsel, warrant no. XXXX American Express ' counsel XXXX XXXX XXXX is not licensed in the STATE OF TENNESSEE for the business of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
These inquiries werent cleared beforehand. Please act swiftly and inspect the relevant files.

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request

, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax goes here, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information includes the following : A collections account opened
at CAINE & WEINER on XX/XX/XXXX with a balance of XXXX XXXX XXXX XXXX, associated with the XXXX  which is a personal loan account. 

These accounts have resulted in fraudulent collections on my consumer XXXX credit report. I have attached a list of the alleged collection accounts and a copy of the consumer credit report maintained by you, which shows these fraudulent items.

I do not recognize these accounts or collections as reported. The accounts or collections appearing on my credit report were not opened, made, or authorized by me. All of these items are the result of identity theft and fraud.

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud. 

I request immediate removal of these items as per my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding the reporting of a fraudulent collection account on my Equifax credit report. The account is listed under XXXX XXXX with an account number ending in XXXX and a balance of {$98.00}. 

I have never opened an account with XXXX XXXX and believe this debt is the result of identity theft, misreporting, or an internal billing error. I did not authorize this account, nor have I received any verification from the collection agency despite prior disputes. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information. I am requesting the CFPB investigate this matter and instruct XXXX XXXX XXXX XXXX to immediately remove this collection if they can not provide proper documentation proving the validity of the debt. 

This negative item is affecting my credit profile and financial opportunities, including my ability to secure housing and essential services.

Company response to consumer: Closed with explanation