vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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 so upset that I just discovered my information was compromised due being apart of several data breaches. This is a violation as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are some fraudulent and unauthorized accounts and inquiries on my report and the credit bureaus should not be neglecting the accuracy and privacy of my report please remove the accounts attached the disputes asap

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 2025-05-25 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 so upset that I just discovered my information was compromised due being apart of several data breaches. This is a violation as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are some fraudulent and unauthorized accounts and inquiries on my report and the credit bureaus should not be neglecting the accuracy and privacy of my report please remove the accounts attached the disputes asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
Due to all of the violations, Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

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 2025-05-25 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: CBC Companies, Inc.
State: FL

Complaint narrative:
There are multiple inquiries on my credit report that I did not authorize. These inquiries do not belong to me, and I did not give permission for these companies to access my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I had an account with Coinbase, back in XXXX, under my email XXXX ; which contained XXXX XXXX, and XXXX XXXX. I lost access to my account because the phone that I had associated with the account was stolen from me and I couldn't pass the XXXX authentication procedure. I called Coinbase, messaged them, and wrote numerous letters and emails to them. All to no avail. Coinbase closed my account and denied me any of my Cryptocurrencies. I kept on calling them and writing them about my account ; and finally in XXXX they gave me access to an account under my email of XXXX that was completely emptied of all of my cryptocurrency and considered a brand new account. XXXX customer service rep told me that it wasn't my cryptocurrency anyway, and refused to give me my balance or any further Information. I have exhausted all avenues in trying to acquire what they stole from me. I am indigent now and could not afford a lawyer. I didn't know that there was an agency like the CFPB that could help me until a friend of mine mentioned it in XXXX of our conversations. Please investigate this matter and help me get back what Coinbase stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00} & XXXX XXXX XXXX Balance : {$1200.00}

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 2025-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/2025 : Collection account from XXXX XXXX with account # XXXX and a balance of {$290.00}. 
The original creditor is XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX  on XX/XX/2025, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 
I personally signed and sent this letter. 
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 non-monetary relief
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
I can submit my reports most of the information with hard inquiries, and opened accounts within the last 5 years are all fraudulent. Due to the Data breach with the credit bureaus I'm unable to list all the information. so i will attach my reports. Maybe it would be a good idea for these company 's avoid hiring immigrant 's for we wouldn't have this issue. Most of the time when I would contact these credit bureaus via phone you cant understand what they are saying because the broken XXXX is so bad.

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX : {$71.00} purchase with XXXX. There were 3 charges of the specified amount. Called vendor, XXXX, wjo explained they only saw one charge. Called Capital One, who insisted it was a problem with the vendor. The overcharge has since been placed back into the account. 

XX/XX/XXXX : {$180.00} purchase using paybyfour was made and double charged. Called vendor, they only saw one charge. Called Capital One 4 times and they were dismissive. 

Went on XXXX and saw another person, XXXX XXXX , who expressed having the same issue with her XXXX purchases through Capital One and has also filed a complaint today as well.

This isnt a singular issue and Capital One is providing no answers or explination despite being aware of the issue.

I have {$700.00} in pending payments via paypal on my wife 's account which can turn into a {$1400.00} charge with no way of knowing what's going on or why it's happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ohio XXXX Dear Jefferson Capital This letter is being sent to you in response to a listing on my Credit Report. 
Be advised that this is not a refusal to pay, but a notice sent pursuant the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of you receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'XXXX XXXX\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX\nDate of Birth: 0XXXX\nSSN: XXXXnXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nSubject: Demand for Removal of All Derogatory Information, Fraudulent Debts, and Accounts -\XXXX  of XXXX XXXXXXXX XXXXXXXX XXXX - Credit Bureau Letter\nTo Whom It May Concern:\nI am writing to invoke my rights under the Debt Bondage Repair Act (Public Law No. 117-81) and\nthe Fair Credit Reporting Act (15 U.S.C.  1681-1681x). As a verified survivor of XXXX XXXX,\nI demand the immediate removal of all derogatory information, fraudulent accounts, and coerced\ndebts that have been reported on my credit file.\nThese items were incurred through exploitation, coercion, and fraud and do not reflect my valid\nconsent or financial activity. I request the following actions be taken immediately:\n1. Block and permanently remove any accounts, inquiries, or derogatory tradelines connected to\nperiods of XXXX.\n2. Cease all reinsertion or reporting of these items in the future.\n3. Send me written confirmation that my credit report has been corrected.\nIncluded in this letter are:\n- A copy of my government-issued identification.\n- Proof of current address.\n- A certified determination of my status as a XXXX XXXX victim.\n- A copy of my credit report with fraudulent items highlighted.\nPlease confirm compliance within the timeframe established by federal law. Thank you for your\nprompt attention to this matter.\nSincerely,\nXXXX XXXX \n___________________'

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 2025-05-25 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This letter serves as final notice that Experian has engaged in continued willful and negligent noncompliance with its obligations under the Fair Credit Reporting Act ( FCRA ). I have repeatedly disputed the referenced accounts and demanded proof of the original contracts bearing my signature which you have failed to provide. Despite multiple disputes, you continue to report these accounts as verified as accurate without providing any documentary evidence or the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA. Let me be clear : under Section 611 ( a ) ( 5 ) ( A ), you are required to promptly delete any information that can not be verified. Your repeated failure to remove unverified and inaccurate information constitutes a direct and willful violation of federal law. Be advised that if you do not immediately remove these unverifiable accounts, I will pursue all available legal remedies, the Federal Trade Commission ( FTC ), and seeking statutory damages under Sections 616 and 617 of the FCRA for your willful and negligent noncompliance. This is your final opportunity to correct this matter before legal action is initiated.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To whom it may concern ; I XXXX  adebt. You identified XXXX XXXX XXXX the amount of {$1400.00} to the original creditor.XXXX  thedebtyouretrying tocollect. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX good reason to believe that I am responsible for this. debt, XXXX with XXXX of the debt and Proof of your authorization to collect the debt. Stop XXXX XXXX XXXX and XXXX XXXX any obligation for this debt. XXXX, XXXX XXXX, XXXX. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$460.00} TU/EQ XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$12000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} TU/EXP XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$10000.00} TU/EQ XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} TU XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3000.00} TU/EQ XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} TU/EQ XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XX/XX/XXXX XXXX Bankruptcy Court # XXXX XX/XX/XXXX -- {$0.00} TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} EXP XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} EQ UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2025-05-25 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$460.00} TU/EQ XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$12000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} TU/EXP XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$10000.00} TU/EQ XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} TU XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3000.00} TU/EQ XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} TU/EQ XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XX/XX/XXXX XXXX Bankruptcy Court # XXXX XX/XX/XXXX -- {$0.00} TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} EXP XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} EQ UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2025-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CO

Complaint narrative:
So a few months ago my chime was hacked into and whoever did it they changed my number linked to the account and the email. I did not see the email from chime until a few days later and I reached out to chime immediately and they would not let me verify my account even and refused to tell me if the person had taken all my money or not eveb though I can prove my identity without a current my ssn and birth certificate and I do have a picture of my Id and I told them I understood they require a physical copy but I needed to find a different way cause all my money is in that account and im a single mother struggling to make ends meet. I have called them probably 10 times trying to figure out a way around it to at least or even just for them to let me transfer the funds to a different account so I can have access to my money but they refuse to help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I have reported this previously and email the company with the police report and asked for it to be taken off my credit report inquiry as well as flagged for fraud. 
This was not me or did I give concent and someone is still requesting and has not been flagged. 
No account was opened but it has multiple inquiry on my credit report which is dropping it down.i haven't opened a new account or applied outside of my personal bank in over XXXX  years. 

I would just liked this taken off my credit report and flagged as fraud, I have had multiple issue with this with a few diffrent places over the last XXXX  months or so I would like to know how to proceed and a remedy. I do not like having to report and keep going through this process every few week when someone keep accessing my info and try to open things. I also have previous email to this company about this issue with the police report and about flagging it fraud if more information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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