vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: Experian Information Solutions 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 explanation
Consumer complaint received 2025-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting XXXX Account XXXX To Whom It May Concern : I am filing a formal complaint regarding inaccurate and unverifiable reporting of the following account on my credit report : Creditor Name : XXXX  Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$980.00} Credit Bureau : Equifax / Experian This account is inaccurate, incomplete, and/or unverifiable, in violation of 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy. 
I demand the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.
2. Provide written confirmation of investigation results.

3. Provide an updated credit report reflecting permanent deletion or correction. 
Enclosures : Credit report, prior dispute letters, supporting documentation This account is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy. 
I demand that the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.

2. Provide written confirmation of the investigation results.

3. Provide an updated credit report reflecting the permanent deletion or correction of this account. 
Enclosed are copies of my credit report, prior dispute letters, and supporting documentation. I expect acknowledgment and updates on the progress of the investigation.

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 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX XXXX   I was contacted by someone who claimed to be a representatiove from Coinbase. I received a text message from a toll free number XXXX XXXX. The message informed me that my account was compromised and to contact them as soon as possible. When I called them the representaive asked me to transfer my funds to another wallet as a security measure. 

I completely believed that I was talking to Coinbase. I firmly beleive that coinbase has had a data breach, or someone who works at Coinbase sold my personal data. I transfered my funds believing I was dealing with coinbase. I realaized it was a scam when I called Coinbase using the number on their website. I was calling to check the status of the transaction and they told me no security issues regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I kept/keep getting repeated calls from Sentry credit XXXX. Couple of months ago, replied to their call and they tried ask my details ( address, ssn, DOB ), I refused and asked them to send letter to the home address in their file. I never received any mail to my home address. I marked their call as spam list as suggested by ftc. They kept calling every day and today I picked up the call, they mentioned my name and some address in XXXX associated with my name and also mentioned they sent mails to that address. This address, which am unware of it. They asked my DOB and last 4 digits ssn, which they mentioned ssn dont match and rudely hung the phone call. I am anxious and worried, how they going to use this info. This seems to be another case of Identity theft issue, related to what was fixed in FTC case XXXX. There was a call from XXXX, CA police station filed last year regarding my identity theft in XXXX  in XXXX XXXX, CA. I like FTC help to make Sentry credit to stop harassing me with daily calls and do not abuse my personal provided today and fix their records. 
I am providing the XXXX XXXX XXXX 's letter which states my rights as a victim of identity theft. I am ready to provide any information that authorities need. I don't own or rented any properties beyond XXXX XXXX, CA. Please help. I am victim of identity theft and law-abiding US citizen living a respectable family life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XXXX separate occasions, Synchrony Bank has suddenly closed or substantially lowered my credit limit with no warning. I have never been late on a payment, pay balance almost in full every month. I suspect they are closing accounts simply because they are not making significant money off of me in interest. This is severely affecting my XXXX XXXX. XXXX separate Care Credit cards & a XXXX XXXX XXXX have been dropped more than XXXX the limit within 4 months of getting the card. The XXXX XXXX XXXX as of today XX/XX/2025 was dropped from {$500.00} to {$160.00} giving the reasoning of Too Many Revolving Accounts With High Balance Compared To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With High Balance Compared To Credit Limit Too Many Inquiries I have made no card inquiries, I carry a high balance that is paid in full monthly, I own no real estate whatsoever, and I only have XXXX other credit cards.

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 2025-09-27 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:
THIS HAS BEEN VERY BAD AND I DONT KNOW WHAT WILL HAPPEN NOW BECAUSE THIS FRAUDULENT INQUIRES APPEARED ON MY NAME RANDOMLY AND NOW I AM TRYING TO MAKE THEM GONE BECAUSE THEY ARE NOT MINE AND THIS IS MAKING MY LIFE WORSE, THESE ARE THE FRAUDULENT INQURIES THAT I AM REPEATING ARE NOT MINE XXXX XXXX XXXX XXXX, AND IN MY LIFE I AM NOT ALLOWING THIS KIND OF STUFF, XXXX XXXX XXXX, AND XXXX XXXXXXXX. I HOPE THIS IS SOMETHING THAT CAN BE FIXED BY YOU AND IS PART OF BEING A HUMAN I GUESS...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-27 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-27 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: AL

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$180000.00} XXXX XXXX XXXX : {$190.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$9800.00} XXXXXXXX XXXX XXXX Balance {$280.00} XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Complaint Against : Creditor : Capital One N.A. 

Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Transaction Details : Amount : {$6900.00} Date of Transaction : XX/XX/year> Case Number with Capital One : XXXX -- - Summary of Complaint I am disputing a charge of {$6900.00} from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was billed to my Capital One XXXX XXXX 

Under Florida XXXX XXXX, I had 30 business days to cancel a travel club contract. I exercised this right on XX/XX/year> by sending a written cancellation via Certified Mail, Return Receipt Requested. 

My cancellation letter was postmarked XX/XX/year> ( XXXX XXXX  ). 

USPS tracking confirms delivery on XX/XX/year> and receipt was signed for ( XXXX XXXX XXXX XXXX  ). 

Florida law makes cancellation effective upon mailing, not receipt. 


Despite this, the merchant falsely claimed that no cancellation was received and Capital One denied my dispute, re-billing the full {$6900.00} to my account. 


-- - Additional Evidence of Bad Faith I texted the sales representative ( XXXX XXXX and informed her I would cancel if the terms were not proper. She acknowledged and told me to come in person. 

The very next day, she blocked my number ( XXXX XXXX ). 

When I attempted to go to the office, it was closed. 


These actions show that the merchant actively obstructed my legal right to cancel. 


-- - Harm Capital Ones denial ignores clear statutory protections and my certified cancellation proof. I am now improperly billed {$6900.00} despite following Florida law exactly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
According to my Equifax credit report, this account is listed as Closed. However, other credit reports are showing it as Open with an active balance, which is inaccurate and misleading. I have enclosed documentation, including screenshots, demonstrating this discrepancy.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this be investigate and update my credit file to accurately reflect the correct account status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc.
State: TN

Complaint narrative:
I basically use the send loans for a couple of times to build my credit and they said that they reported to the credit bureaus and I was getting loans as a third time customer and they were taking extra extra payments out on me to if I get more money out of me and I stopped the bank and told them I'm not doing that and they caused my accounts to go into the negative really bad

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Cease and Desist Letter Debt Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX National Credit Adjust XXXX XXXX XXXX XXXX XXXX, KS XXXX Re : XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am hereby demanding that you immediately cease and desist all communication with me regarding the alleged debt referenced above. 

I do not consent to any further contact by your office, whether by telephone, letter, email, or any other form of communication. The only communication I will accept is written confirmation that you are complying with this request or, if applicable, a notice of specific legal action you intend to pursue. 

Please note that any attempt to continue collection efforts beyond the limits allowed by law may be considered a violation of the FDCPA, subjecting your agency to penalties and legal liability.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXXXX 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 {$0.00} 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 XXXX XXXX XXXX XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-09-27 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: LA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and fraudulent. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
I am writing to report that I have been the victim of identity theft and fraud. My personal and financial life has been disrupted by inaccurate accounts, unauthorized inquiries, and false information that do not belong to me. Most concerning, one of the major credit bureaus ( Experian ) even reported my name and date of birth incorrectly, which is undeniable proof that my identity has been compromised. I have taken every step within my power to protect myself, including gathering and submitting supporting documents. I respectfully request that this matter be addressed with urgency, fairness, and without unnecessary delays or excuses. I did not cause this harm, and I should not continue to suffer because of the actions of identity thieves or reporting errors. My only goal is to have my true credit history restored, my identity respected, and these fraudulent accounts and inquiries permanently removed. I sincerely hope this matter can be resolved promptly and professionally, with no stalling, no unnecessary questioning, and no further burden placed on me as the victim.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : 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  - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report.

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: TN

Complaint narrative:
From XXXX through XXXX, I paid my student loan on time. During the COVID-19 emergency, payments were paused under the CARES Act until XX/XX/XXXX. In XX/XX/XXXX, I discovered my credit score had dropped significantly because my loan servicer incorrectly reported my account as 180 days late. 

When I contacted the servicer, they admitted they had all of my contact information wrong. They listed an address in XXXX  where I have never lived ( XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ), and also sent notices to an old XXXX address ( XXXX XXXX XXXX ) that I moved out of in XXXX. They also had the wrong phone number and email. Because of these errors, I never received any communication that payments were due. 

Once I reached them directly, they corrected my personal information and confirmed I am back on a payment plan in good standing. However, the false late payment reporting remains on my credit report and has severely damaged my credit score, preventing me from obtaining a commercial loan. 

I am requesting that the inaccurate late payment history be removed and my credit report updated to reflect accurate, on-time status.

Company response to consumer: Closed with explanation