vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding XXXX XXXX XXXX  handling of a charged-off account ( Account XXXX ). This account reflects a charge-off amount of {$64000.00}, which has been reported as income to the IRS, according to IRS XXXX XXXX. 
However, XXXX XXXX XXXX has failed to issue a Form 1099-C to me, as required in cases of discharged debt that is no longer being collected. 

XXXX XXXX XXXX asserts that they are still collecting on this charged-off debt, which conflicts with their reporting to the IRS. If the company is actively collecting on the account, it can not rightfully classify it as a charge-off and report it as taxable income to the IRS. 

Furthermore, XXXX XXXXXXXX XXXX is in apparent violation of the Fair Credit Reporting Act ( FCRA ), under USC Code 1681. They continue to report this charge-off month after month on my credit report, despite their claim of actively collecting the debt. 
This raises concerns about their accuracy in both IRS reporting and compliance with credit reporting standards.

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 2025-09-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Used the coinbase debit card to purchase a hotel room on XX/XX/year> and upon checking out ; the hotel claims they issued the reversal to coinbase but coinbase has consistently denied receiving it so that they can continue to hold onto my funds for an excessive timespan of 30 days even though the hotel has proved to me that it was issued to them the following day and its been more than 2 weeks without a refund of my deposit ( XXXX $ ). 
Coinbase refused to speak with the merchant when offered and wouldn't share any information on the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
As a consumer I thought I was hiring XXXX XXXX  in XXXX Florida to perform a service on a pool at our person home on XX/XX/year> I trusted that this company would do what they said they would do but the company explained they could begin the work until a credit card was placed on file. When this company did not do as they explained they would do as well as they did not return my phone calls I disputed the charge on my XXXX Credit Card with my XXXX XXXX. The XXXX XXXX refused twice now to credit my account for services that were not delivered to me as promised. I have since learned that I should have gotten everything in writing before I allowed the work to begin. I did not realize that was necessary so as a consumer I will not make that mistake again! What is upsetting is once I tried to resolve the issue with the business, they did not return my phone calls and they do not have a website with an email address to send a request to. As a consumer I do not feel protected from companies that advertise doing business in your home. The XXXX XXXX I have my visa with has been extremely hard to work with as well as upon their advise I had to shut my card down and they reissued me a new card. The Navy Federal Credit Union employee told me XXXX  XXXX had my card on file and could certainly charge my card again without my authority. Makes not sense to me the employee would have that knowledge so NFCU employee either lied or has knowledge that should have assisted me with receiving a credit for services not performed. I have a voice mail on my phone from this company stating they would refund my charge, for which they have yet to do. You can also hear on the voice mail that due to the negative review I placed XXXX XXXX cancelled my service and my repairs but yet did not return my calls from the middle of the week. As a consumer I definitely do not feel protected any longer. I am now forced to find other means of financial ways to conduct business because it is clear as consumers we are no longer protected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-05 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the account listed below. I am firmly convinced that the reporting of these account is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with this account, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. This the account that I request to be investigated and updated : XXXX XXXX XXXX Balance Owed : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: ID

Complaint narrative:
I was receiving debt collection calls on things I do not owe from Jefferson Capital. Threats of court and putting a XXXX on a car that I do not own. I pulled my credit reports and realized that they are trying to collect on accounts that I do not owe. These were reported to the original creditors as identity theft and false accounts. I sent a validation letter to Jefferson Capital. Also, a letter requesting proof of the XXXX XXXX XXXX on the first of XXXX. After waiting XXXX  days, when I did not receive a response, I sent a final notice. There are XXXX collection accounts with them that I do not owe. I sent validation letters for all XXXX accounts to each XXXX of them. These are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I sent XXXX XXXXXXXX to a seller for a shirt. The seller asked me to pay outside the official platform, clamming there were ID issues. It has been over XXXX weeks, and I never received the item. I contacted my bank to dispute the transaction, but it was not resolved. I have screenshots of our conversation and proof of payment. I am requesting help to recover my funds from this fraudulent transaction. The seller also went and sent fake screenshots generated with ChatGPT to make it look like they had shipped the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Please see attached, it seems like the people foreclosing don't have authority and are going the trustee sale because they know the trustee. There are no licensing requirement. XXXX is still showing as the last entity that owns the note. There is no chain of title. Please stop this sale! The attorney seems to know and changes the entity he is working for that will be getting the proceeds. There are several shifting entities meaning he is changing according to my awareness. This is urgent! 

Attached name is what initially they gave me. Since I questioned it they only used Select Portfolio Servicing on the latest Trustee. Note XXXX is in the name, the name is something that is so hard to identify ... Keep in mind XXXX had a substitution of trustee for XXXX. 

Please help Trustee Sale is being handled by the attorney who has an office in XXXX but now used a XXXX  Address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-05 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: ONLINE Information Services, Inc.
State: KY

Complaint narrative:
I NEVER GAVE ANY IF THE CREDIT REPORTING AGENCIES PERMISSION TO HAVE ACCESS TO ANY OF MY PERSONAL INFORMATION NOR DID I GIVE CONSENT FOR THEM TO ADD ANYTHING ON MY CREDIT REPORTS. ACCORDING TO FCRA 15 USC 1681B PERMISSIBLE PURPOSES ANY CREDIT REPORTING AGENCIES WANTING TO ADD ANYTHING ON MY CREDIT REPORTS MUST RECIEVE MY WRITTEN CONSENT AND IF I DID NOT GIVE AUTHORIZATION THEY ARE IN VIOLATION OF THE FCRA. IN REGARD TO THE CHARGE OFFS THE IRS PUBLICATION AND LAWS STATES THAT CHARGE OFFS ARE CONSIDERED A CERTIFICATE OF INDEBTEDNESS WHICH IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON MY CONSUMER REPORTS PURSUANT TO 26 USC 61/26 CFR 1.643/20 CFR 211.2. BASED UPON THE LAWS THAT I HAVE POINTED OUT IT IS VER EVIDENT THAT THE CREDIT REPORTING AGENCIES VIOLATED MY CONSUMER RIGHTS. IF THEY DO NOT RECTIFY THESE ERRORS I WILL SEEK LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/year> I submitted a fraud claim to Boeing employees credit union ( BECU ) for an unauthorized pending charge of XXXX that occurred within XXXX. This charge was from XXXX for a hotel at the red roof inn. XXXX sent a representment and BECU denied my claim. After XXXX hours on the phone BECU agreed to share the representment with me. After getting the documentation BECU recommended I reach out to XXXX directly. I escalated this to XXXX executive office and their rep XXXX acknowledged the charge was unauthorized and said she will send it to their fraud department. Despite that, and evidence of my physical location when the transaction occurred, BECU has not resolved my case. In fact because regulation E does not require them to take action, their social media manager XXXX said they wont, because then they would have to do that for everyone. I also asked about their proactive fraud mechanisms and they shared they look at purchasing trends. However, Ive been with the XXXX XXXX for over XXXX  years and never received XXXX fraud alert. In fact the only other fraud I reported prior to this I learned about because of XXXX fraud alert. After countless conversations with managers at BECU in the end they reminded me that it is my responsibility to monitor my statements and they were not able to help because I reported the first fraudulent charge XXXX days late. I expect institutions to have integrity to do the right thing even when they dont have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: AL

Complaint narrative:
I am filing a complaint against Equifax, Experian, and TransUnion for continuing to report inaccurate late-payment histories despite my prior disputes. This is my second ( Round XXXX ) follow-up ; my initial dispute was sent XXXX days ago. I am submitting this complaint directly ( not through any third party ). 

Whats wrong The bureaus continue to report late payments on the Department XXXX XXXX accounts listed below even though I disputed them as billing errors under 15 U.S.C. 1666 ( FCBA ) and as inaccurate credit reporting under the FCRA. I have not been provided any documentary evidence that I was late. 

Accounts at issue ( all showing late payments ) : XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Why this violates the law FCRA 15 U.S.C. 1681e ( b ) : Bureaus must follow reasonable procedures to ensure maximum possible accuracy.

FCRA 15 U.S.C. 1681i ( a ) : After receiving my dispute, the bureaus were required to conduct a reasonable reinvestigation and correct/delete unverifiable information but did not.

FCRA 15 U.S.C. 1681i ( a ) ( 7 ) : I requested the method of verification ( MOV ) ; the bureaus have not provided a clear description of procedures, contacts, and documents relied upon.

FCBA 15 U.S.C. 1666 : My dispute identified potential billing errors ( failure to accurately credit payments, computation/accounting errors, and lack of proper advance notice before assessing/reporting a late payment ). No written findings or supporting documents were provided within the required timeline. 

Harm These inaccurate late-payment notations are lowering my credit score and adversely affecting my access to credit and other opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XX/XX/year>2024 XXXX XX/XX/scrub>/2024 XXXXXXXXXXXX XXXX XXXX2024 XXXXXXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX

Company response to consumer: Closed with non-monetary relief