vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: MI

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXXC OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$250.00} XXXX {$960.00} XXXX XXXX {$1000.00} XXXX XXXX {$4700.00} XXXX XXXX  {$460.00} XXXX AND XXXX CREDIT {$360.00} SXXXX XXXX {$560.00} XXXX XXXX {$570.00} INQUIRIES 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 2025-08-03 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: AZ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
At all times related to this claim, I was an accountholder at a United States-based XXXX exchange and licensed XXXX XXXX XXXX ( XXXX  ) Coinbase , Inc. , ( Coinbase ) and held in my account/wallet valuable cryptocurrency assets. Coinbase promotes itself as The most trusted cryptocurrency platform that is guided by Industry best practices and that XXXX stored on our servers is covered by our insurance policy. I was aware of and relied on those representations of security in storing my assets on Coinbases platform. Despite its self-promotion about how secure, reliable, and trustworthy its services are, though, customers assets at Coinbase are at risk of being fraudulently withdrawn -- something of which Coinbase is well aware but has not taken adequate steps to prevent or remedy. 



Coinbase has had announced and unannounced breaches of data maintained on, and security of, its platform; leading to a variety of harms suffered by Coinbase account/wallet holders : support scams, penetrations of Coinbases platform leading to XXXX swaps, failure to block blacklisted destination addresses, and account takeovers. Coinbase is responsible for securing its platform and all internal and external XXXX  payment rails, which serve as the infrastructure that facilitates the transfer of digital currencies between parties. In this case, Coinbase failed to secure data maintained on its platform and failed to properly verify the authenticity and integrity of the XXXX payment rail ( s ) that transferred XXXX  from my account/wallet to the destination address of the recipient of my stolen assets. Coinbases failure to design and implement adequate security measures on its platform and on the payment rails was a material factor in directly and/or proximately causing my loss. Commencing on or about XX/XX/year>, Coinbases falsely advertised, faulty security measures failed me ; and as a result, I suffered the loss of XXXX  from my account/wallet that was valued at the time at approximately {$340000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CICA Collection Agency, Inc.
State: PR

Complaint narrative:
In XXXX I completed my final semester at XXXX XXXX de XXXX XXXX, XXXX campus. My education up to that point had been covered entirely through federal student loans. I was never informed that the last semesters tuition ( approximately XXXX $ ) had not been paid in full or that there was any remaining balance. I received no written notice, email, or formal billing statement from the university indicating any financial issue. 

Without prior warning or opportunity to resolve the matter directly with the institution, the university placed the balance with a third-party collection agency. I only became aware of this when the collection agency contacted me, at which point interest and collection fees had already been added. This has now negatively affected my credit, jeopardizing my ability to apply for graduate-level federal loans such as the XXXX XXXX XXXX. 

I am willing and fully able to pay the original tuition amount directly to the institution. I do not believe it is fair or ethical that the debt was transferred to collections without notification or due process. I am requesting that the debt be recalled from the collection agency and that I be allowed to resolve the matter directly with the university.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is a formal follow-up to CFPB Complaint # XXXX, originally submitted on XX/XX/year>, against TransUnion. As of XX/XX/year>, more than 30 days have passed without a final resolution or lawful reinvestigation of the disputed accounts. This failure constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ).

Legal Violations Committed by TransUnion : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to complete a reinvestigation within 30 days 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete information that could not be verified 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures for maximum possible accuracy 15 U.S.C. 1681b ( f ) : Continued reporting of unverifiable, disputed data constitutes impermissible use 15 U.S.C. 1681n / 1681o : Civil liability for willful or negligent FCRA violations Failure to Provide Required Documentation : In my original dispute, I formally invoked my rights under the FCRA and explicitly requested that TransUnion provide documentation to validate each tradeline in question, including : The original signed contract bearing my wet ink signature A flow agreement showing authorization to report to credit bureaus A bill of sale or assignment of debt Proof of chain of custody of the account ( s ) The original creditors contact information TransUnion failed to provide any of these documents within the required legal timeframe and has not furnished any acceptable verification to date. As such, these tradelines are now legally unverifiable and must be permanently deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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 2025-08-03 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-08-03 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: MD

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 2025-08-03 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: MD

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 2025-08-03 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:
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 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 XXXX # XXXX XX/XX/XXXX -- {$470.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: LA

Complaint narrative:
I don't have any dates but these are the companies evolved. I never did business with these companies and did not give anyone permission to share my information. 

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I need a 1099 for the account they are saying they wrote off on their taxes and did not provide me with a form for my taxes. Also they have this account as a charge off but are reporting to the credit bureau that I am behind on my payments currently. 

XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XX/XX/year> XXXX XXXX of soc sec - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This account is with XXXX XXXX XXXX. I had an auto insurance policy with XXXX from XXXX to XXXX. I decided to change insurance companies because of a rate increase in my policy. Around the end of XX/XX/XXXX, I elected to go with XXXX XXXX XXXX. I called and canceled my policy with XXXX. I never received anything stating I had an outstanding balance with XXXX. In XXXX of XXXX, I started to receive calls from a collection agency. I reached out to the agency, and they informed me that they are attempting to collect a debt on behalf of XXXX. I called XXXX they informed me of the outstanding balance. Once informed, I paid the account in full to XXXX XXXX in XXXX of XXXX. However, the collection agency continued to call me. I informed them that the account was paid in full to XXXX XXXX XXXX. XXXX informed me that once the account was paid, it would be deleted from my credit file. Now, both companies are alleging it's the responsibility of the other company to delete the item. This account was charged off by XXXX. Since this account was paid in full and in good standing, I was allowed to return as a company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
These are not my accounts remove immediately identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: OH

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 2025-08-03 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: OH

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 2025-08-03 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: CA

Complaint narrative:
CFPB Complaint Unauthorized Inquiries & Fraudulent Accounts Date : XX/XX/XXXX Consumer : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX To : Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX I am filing this complaint regarding multiple unauthorized hard inquiries and fraudulent charge-off accounts that continue to appear on my credit reports. These entries were not authorized or opened by me and are damaging my credit profile. 

Despite prior disputes submitted directly to the credit bureaus, no corrective action has been taken. I now request CFPB assistance in removing these inaccurate entries from my credit files under the Fair Credit Reporting Act ( FCRA ). 

Unauthorized Hard Inquiries ( Not Authorized by Me ) : 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 XX/XX/XXXX These inquiries were not initiated or approved by me. I request that they be deleted immediately from my credit file. 

Fraudulent Charge-Off Accounts : XXXXXXXX XXXX XXXX XXXX Account ending in XXXX Balance : {$2200.00} Opened : XX/XX/XXXX Status : Charged Off This is a joint account that was never authorized or opened by me. It is inaccurately reported and should be removed. 
XXXX of XXXX ( Credit Card ) Account ending in XXXX Balance : {$2000.00} Opened : XX/XX/XXXX Status : Charged Off I did not authorize or open this account. It is fraudulent and must be removed from my credit reports. 

These accounts are the result of identity theft or reporting error. I have already sent written disputes with no resolution. As required under FCRA 15 U.S.C. XXXX ( a ), these items must be verified or deleted within XXXX days. 

I request your assistance to have these inaccurate items removed from my Equifax, TransUnion, and Experian reports. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX SSN : 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