vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-24 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-24 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: TX

Complaint narrative:
Dear XXXX, I am disputing the following inaccurate information appearing on my TransUnion credit report. The items listed below need to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened XXXX XX/XX/XXXX Balance : {$3200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
My Coinbase account has been locked, and I am unable to access or withdraw my digital assets. A large unauthorized attempt was made to remove XXXX XXXX, which was released by Coinbase on XX/XX/2025, at XXXX XXXX. Coinbase has provided me with contradictory information over the phone and via email, and no resolution has been reached. 

I need account access restored so I can withdraw my assets. while the investigation continues. I am a Coinbase One subscriber and should be covered by account protection for this asset loss. 

Reference Coinbase Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My ex-husband had a XXXX 's credit card and he added me as an authorized user so I could purchase the kids school clothes. When we separated he said he removed me. XXXX 's has me listed as a joint account holder but can not find the account under my name, ssn, or phone number. My divorce document states this account is his sole responsibility. I've disputed this with XXXX XXXX, TransUnion, XXXX  and XXXX. All keep telling me this account information is accurate. After speaking with XXXX 's I began receiving mail from XXXX XXXX addressed to him but my address. Being an emergency situation I called XXXX 's to work a settlement with them and they said I am not authorized to do so that my ex-husband needs to do it. I have been homeless since XX/XX/XXXX because of the effects this has had on my credit score. I am currently a displaced and XXXX citizen. If this was my account they would be able to use my information to find the account. If it was my account I would be able to make a settlement.

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 2025-11-24 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: OH

Complaint narrative:
My ex-husband had a XXXX 's credit card and he added me as an authorized user so I could purchase the kids school clothes. When we separated he said he removed me. XXXX 's has me listed as a joint account holder but can not find the account under my name, ssn, or phone number. My divorce document states this account is his sole responsibility. I've disputed this with XXXX XXXX, XXXX, XXXX  and Experian. All keep telling me this account information is accurate. After speaking with XXXX 's I began receiving mail from XXXX XXXX addressed to him but my address. Being an emergency situation I called XXXX 's to work a settlement with them and they said I am not authorized to do so that my ex-husband needs to do it. I have been XXXX  since XX/XX/XXXX because of the effects this has had on my credit score. I am currently a displaced and XXXX citizen. If this was my account they would be able to use my information to find the account. If it was my account I would be able to make a settlement.

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 2025-11-24 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: OH

Complaint narrative:
My ex-husband had a XXXX 's credit card and he added me as an authorized user so I could purchase the kids school clothes. When we separated he said he removed me. XXXX 's has me listed as a joint account holder but can not find the account under my name, ssn, or phone number. My divorce document states this account is his sole responsibility. I've disputed this with XXXX XXXX, XXXX, Equifax and XXXX. All keep telling me this account information is accurate. After speaking with XXXX 's I began receiving mail from XXXX XXXX addressed to him but my address. Being an emergency situation I called XXXX 's to work a settlement with them and they said I am not authorized to do so that my ex-husband needs to do it. I have been homeless since XX/XX/XXXX because of the effects this has had on my credit score. I am currently a displaced and XXXX citizen. If this was my account they would be able to use my information to find the account. If it was my account I would be able to make a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Dear XXXX, I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding the following credit report items that I believe to be inaccurate or incomplete. The accounts listed below are disputed across the major credit bureaus : Equifax ( EQ ). 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$11000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$730.00} Late Payments : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I did not receive any services, Credit or any services from these creditors, my house and personal property were stolen and used to get services without my Consent or knowledge.

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 2025-11-24 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: FL

Complaint narrative:
Dear XXXX, I am writing to dispute several entries on my credit report as of [ insert date ]. I believe there are inaccuracies and incomplete information related to the following accounts. Please review the following disputed accounts and ensure they comply with the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES : XXXX, XX/XX/year> This inquiry was unauthorized and I request its removal from my credit report. 

LATE PAYMENTS : XXXX, XXXX I am disputing the reported late payment for the above account as I believe it to be incorrect. Kindly verify this information with the creditor. 

XXXX  XXXX XXXX, XXXX Please review the accuracy of the reported late payment. I do not believe this is accurate as per my payment history. 

XXXX XXXXXXXX Disputing the accuracy of this reported late payment on my credit report. I believe this information is not properly recorded. 

XXXX, XXXX I am disputing the reported late payment for this account. Kindly verify this information with the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: OH

Complaint narrative:
When I reviewed my credit report there are certain accounts that I do not know. I requested validation of these accounts through the original contracts, since I have been a victim of identity theft, and haven't consented to these transactions. I want these information removed in my reports since these are not consensual. I sent in a letter and sworn declaration of fraud to the credit bureau and I still haven't heard anything from them, who they talked to in these companies in my reports, and these fraudulent 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Company : Capital One Product : Credit Card Issue : Improper late fees/ misleading payment arrangement / refusal to assist during hardship Complaint : I am filing this complaint because Capital One has been charging me late fees even though they placed me on a payment plan and I was told this plan was supposed to help me manage my account during a financial and medical hardship. 

When I initially called Capital One, I clearly explained that I was experiencing a hardship due to medical issues. Instead of placing me in a true hardship program, they gave me a payment plan that I now realize was not a real hardship plan, even though I specifically asked for hardship assistance. 

They never told me that I would still be responsible for a separate minimum payment in addition to the payment plan amount. Because they scheduled the payment plan date after the minimum due date, I was automatically charged late fees every month even though I was following the plan I was given. 

When I called back to fix this, I was transferred to the hardship department. The representative refused to adjust or freeze interest, refused to remove fees, and told me that I would need to cancel the payment plan in order to even be considered for fee removal or hardship review. This makes no sense and puts me at risk of falling further behind. 

I feel misled and financially penalized for trusting the plan they set up for me. I asked for help due to medical hardship and was given a plan that caused more harm, more fees, and more stress. I was never informed of conflicting due dates or that the plan would still generate late fees. 

I am requesting the CFPBs assistance with the following : 1. Removal of all late fees charged during the payment plan period.

2. Review and placement into an appropriate hardship program ( with temporary interest freeze or reduction if eligible ).

3. Adjustment of due dates or restructuring of the payment plan so it does not automatically generate late fees.

4. Written clarification of the terms of any plan I am placed into.

This situation has caused unnecessary confusion, financial strain, and distress, especially given the medical issues I disclosed when seeking help. 

Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: VeriScreen Inc.
State: NC

Complaint narrative:
This company is reporting an eviction that doesnt belong to me. Therefore they are reporting inaccurate information which is considered fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation