vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: MS

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 non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
it has been brought to my attention that I unauthorized accounts on my report and this is damaging my credit worthiness. Per 15 USC 1681g my information should not be neglected or inaccurate on my report. This is a huge violation and it is up to the credit bureaus to fix this matter. The FCRA also states that my information should be protected, private and accurate. This is not fair! Please help with the removal of these accounts so I can have access to banking products

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$8700.00} 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  {$20000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I am locked out of my Coinbase account after attempting to withdraw XXXX to my verified XXXX XXXX. The system forced me into a passkey verification loop. When I attempt to recover via ID, the camera loads black despite full permissions and alternate devices. 

I was able to send another crypto asset during this lockout, which confirms my account is not generally frozen it appears XXXX is being specifically restricted. 

I have attempted all recovery paths including support portal, chat, and direct emails all lead to dead ends or redirections. Coinbase is refusing to allow me access to my own funds and has blocked recovery options. 

I am requesting full manual account recovery, access to withdraw funds, and explanation for asset-specific restrictions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-08 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: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-08 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I filed a dispute with PNC Bank in XX/XX/year>XXXX  for a hotel charge ( ~ {$400.00} ) where I was scammed and left the property the same night due to unsafe and misrepresented conditions. I submitted evidence including photos, a written statement, and explained that the services were not rendered. 

After nearly three months, my dispute was denied not because the merchant provided any evidence, but because the merchant failed to respond. I was then told the dispute expired, even though I submitted everything within the proper timeframe. 

Ive now been asked to refile my dispute from scratch, with no assurance it will be handled any differently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-08 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: PA

Complaint narrative:
I reported to SELF this was a fraudulent account after verification of my information versus what they had in their system. They said would close the account and mark as fraudulent. I explained i don't know how this account got opened when my SSN is flagged and I also have too low credit score to open any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$9200.00} INQUIRIES : XXXX 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 2025-07-08 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
One debt collection company by the name of XXXX  XXXX came back and stated that money has spent up to the credit card as of last year but incorrect because I didnt spend anything out of the credit card. I didnt even know the credit card existed. They did not give me what I originally asked for so now I would like to dispute all negative accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
One debt collection company by the name of XXXX  XXXX came back and stated that money has spent up to the credit card as of last year but incorrect because I didnt spend anything out of the credit card. I didnt even know the credit card existed. They did not give me what I originally asked for so now I would like to dispute all negative accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
One debt collection company by the name of XXXX  XXXX came back and stated that money has spent up to the credit card as of last year but incorrect because I didnt spend anything out of the credit card. I didnt even know the credit card existed. They did not give me what I originally asked for so now I would like to dispute all negative accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX  with a balance of {$2900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I received services from XXXX XXXX, which were submitted to my insurance provider. My insurance ultimately denied the claim, but I was never notified by XXXX XXXX that the claim had been denied or that I owed any balance. In fact on my account it shows these services as " paid '' and never showed anything besides this as the status of my payments. 

XXXX XXXX had my correct phone number and email address on file at the time, and they have regularly contacted me via both channels for appointment reminders and other communications. I received a notification about my membership through my primary email as recently as XX/XX/XXXX and received text messages about unpaid co-pays on XX/XX/XXXX ( which I paid immediately ). Despite this, they made no effort to notify me of the denied claim or unpaid balance through email or text the channels they routinely use. Instead, they sent notices only to an old mailing address that I had not updated. 

As a result, I never received any notice of the balance and was completely unaware that I owed anything until a third-party collection agency contacted me months later. I was then informed that the account had been placed in collections, without ever having had the chance to resolve or dispute the bill directly with XXXX XXXX. 

Had I been properly notified through the contact methods XXXX XXXX regularly uses, I would have paid the balance or appealed the denial immediately. I believe the failure to notify me using my valid contact information constitutes an unfair and deceptive practice, and that sending the account to collections under these circumstances was inappropriate. 

I am requesting that the collection account be recalled, that no reporting be made to the credit bureaus, and that XXXX XXXX and its collections partner acknowledge the breakdown in communication and withdraw the account from collections. As a result of this breakdown, I experienced significant stress and was denied the opportunity to resolve a balance that I could have paid easily had I been properly notified. I believe this situation may constitute a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ), given the failure to provide reasonable notice and the potential for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a XXXX dollar balance on my credit card and they dropped the limit to XXXX  now they want me to make XXXX dollar payments that I cant afford

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I am filing a complaint regarding a rental debt that I believe has been inaccurately reported and/or is being improperly collected for XXXXXXXX XXXX XXXX XXXX  The details of the debt are as follows : Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX Amount in Dispute : {$15000.00} I am disputing this debt for the following reason : The amount is incorrect and This debt resulted from unfair rental practices or lease violations that were not my fault. 

I have attempted to resolve this matter directly with the landlord/collection agency but have been unsuccessful. I am requesting the CFPBs assistance in investigating this matter. I am also requesting that the item be removed from my credit report if it is found to be inaccurate or unverifiable. 

I received a letter in the mail early XXXX of XXXX  saying that I had 30 days to find other living arrangements! I called XXXX XXXX renewal the company that rented me the house and the agent on the phone had no clue what letter I had received and I guess he didnt document the call. 

Please advise on the next steps or actions that can be taken to resolve this issue. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 non-monetary relief
Consumer complaint received 2025-07-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I reported fraudulent activity on my credit card last XXXX. I spoke with bofa and indicated all the new charges were fraudulent. BofA investigated and resolved my dispute but only credited some of the charges, which left a positive balance on my card that has been accruing interest monthly since then. 

I have tried repeatedly to resolve this with bofa but calls are either dropped or I receive voicemails from their fraud department saying no one is available. Im unable to get this resolved.

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 monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NJ

Complaint narrative:
My account was deactivated on XX/XX/XXXX with {$240.00} in funds not released. They informed me the funds would be available by XX/XX/XXXX ( after 90 days ) at the latest however after waiting this time, the amount remained frozen. I reached out several times throughout XXXX and early XXXX to support who either claimed the issue would be resolved by tomorrow or that they escalated to a special team who would email me but no attempt to contact me was ever made.

Company response to consumer: Closed with explanation