vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-25 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: TN

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

1681c-2 ) that you, the Experian 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. 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Company called and asked for my spouse. When I said they were unavailable they got aggressive and asked if I was name of my spouse I stated I wasnt and they responded with Are you XXXXXXXX XXXX XXXX XXXX XXXX and then ended the call. Happened on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
I have a payment plan with XXXX XXXX XXXX XXXX for a medical bill. Until XX/XX/year> I was fully current. That month my credit-card information was stolen, and the replacement card was not yet on file with the hospital, so two monthly payments were missed. 

In XX/XX/year> I received a notice from XXXX XXXX about the missed payments. I immediately called, updated my card, paid the past-due amount plus an extra payment to be safe, and was told the account was fully current and would not be sent to collections. 

I continued making all payments on time. 
In XX/XX/year> XXXX  alerted me that a {$1400.00} collection from Medical Revenue Service / XXXX XXXX XXXX  had been added to my credit report. 

I called XXXX XXXX billing and spoke with XXXX XXXX She confirmed the account was current, said the collection placement was a mistake, and promised to have it removed. I then disputed the item with XXXX. XXXX  later replied that the collection agency refused to delete it. 

I contacted XXXX XXXX again. They apologized, again agreed the reporting was an error, and said they would correct it, but nothing changed. To eliminate any doubt, I paid the entire remaining {$1200.00} balance in full and received an email from the hospital confirming paid in full. They also promised a formal letter, which I never received. 

The collection is still on my credit file and has lowered my score enough that I no longer qualify for the mortgage rate I was expecting on a home purchase now in progress. 
What I want Immediate deletion of the erroneous collection from all credit bureaus.

Written confirmation that the tradeline has been removed and will not be re-reported. 

I have payment receipts, the paid in full email from XXXX XXXX, and XXXX dispute response available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-25 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-25 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: PA

Complaint narrative:
I am submitting this complaint regarding an auto loan account reported by XXXX XXXX XXXX XXXX on all three of my credit reports ( TransUnion, Experian, and Equifax ). The account is listed with a balance of {$30000.00}, reported as charged off/collection, and shows extended late payment history and derogatory remarks. 

On XX/XX/year>, I submitted dispute letters under FCRA 609 to each credit bureau requesting verification of this account. I requested a copy of the original signed contract, a full breakdown of the charges and payments, and documentation showing XXXX XXXX 's legal right to report this account. 

To date, I have received no documentation or proof from any credit bureau or XXXX XXXX XXXX XXXX. However, the account continues to be reported with remarks like dispute resolved ; consumer disagrees even though I never received any resolution or verification. 

Additionally, I have an active extended fraud alert on my credit file. Under FCRA 605A, the credit bureaus and data furnishers were required to contact me directly and verify my identity before continuing to report or update this derogatory account. This step was never taken.

Harm Experienced : I was denied credit due to this account My credit score has dropped significantly as a result Ive experienced emotional distress and financial difficulty, including higher interest rates on existing accounts and inability to refinance or secure credit Requested Relief : I am requesting that this XXXX XXXX XXXX XXXX account be immediately deleted from all three credit bureaus ( TransUnion, Experian, and Equifax ) for the following reasons : Failure to verify the account within the 30-day window under FCRA 611 Lack of legally required documentation under FCRA 609 Ongoing reporting of disputed information without proper resolution Violation of fraud alert protections under 605A Attached to this complaint is a copy of my original 609 dispute letter, dated XX/XX/year>, sent to each bureau.

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 2025-06-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding an auto loan account reported by XXXX XXXX XXXX XXXX on all three of my credit reports ( TransUnion, Experian, and Equifax ). The account is listed with a balance of {$30000.00}, reported as charged off/collection, and shows extended late payment history and derogatory remarks. 

On XX/XX/year>, I submitted dispute letters under FCRA 609 to each credit bureau requesting verification of this account. I requested a copy of the original signed contract, a full breakdown of the charges and payments, and documentation showing XXXX XXXX 's legal right to report this account. 

To date, I have received no documentation or proof from any credit bureau or XXXX XXXX XXXX XXXX. However, the account continues to be reported with remarks like dispute resolved ; consumer disagrees even though I never received any resolution or verification. 

Additionally, I have an active extended fraud alert on my credit file. Under FCRA 605A, the credit bureaus and data furnishers were required to contact me directly and verify my identity before continuing to report or update this derogatory account. This step was never taken.

Harm Experienced : I was denied credit due to this account My credit score has dropped significantly as a result Ive experienced emotional distress and financial difficulty, including higher interest rates on existing accounts and inability to refinance or secure credit Requested Relief : I am requesting that this XXXX XXXX XXXX XXXX account be immediately deleted from all three credit bureaus ( TransUnion, Experian, and Equifax ) for the following reasons : Failure to verify the account within the 30-day window under FCRA 611 Lack of legally required documentation under FCRA 609 Ongoing reporting of disputed information without proper resolution Violation of fraud alert protections under 605A Attached to this complaint is a copy of my original 609 dispute letter, dated XX/XX/year>, sent to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: TX

Complaint narrative:
The debt corrector name is : Unifin The ref # XXXX They keep sending me the same text message over and over, like this : 'This is Unifin, a debt collector. Contact us about ref # XXXX at XXXX or XXXX. Charges may apply. Reply STOP to stop texts. ' I've blocked their number many times, but they still message me. According to my credit report, they are not even listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-25 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: MD

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am disputing a negative account reported by Capital One N.A. showing a Charge-off/Collection status with a {$0.00} balance. The item is still marked as Derogatory, even though it has been closed and/or paid, and is no longer collectible. 

Reporting a XXXX balance account as a charge-off or collection violates the Fair Credit Reporting Act ( FCRA ) 623 and 611, which require data to be both accurate and complete. 

A XXXX balance account can not legally be reported as a collection unless it is open and collectible, which this is not. Additionally, the furnisher has failed to provide verifiable proof of this debt 's accuracy, amount, and status. 

I request that this item be fully investigated and, unless validated with original documentation, permanently deleted from all credit reports as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CO

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 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, Coinbase took XXXX from my checking account. Coinbase Support indicated that this was to pay for Coinbase One, although ( 1 ) I had not signed up for Coinbase One and ( 2 ) I had zero access to Coinbase One on my account. 

Over the last month and change, I have had 4 or more conversations with their customer service, where they acknowledge the erroneous charge, but are unable to correct the mistake. I have wasted hours on such conversations. No one seems to have any intent of returning the money that was taken from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: GA

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 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 2025-06-25 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: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-25 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: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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