vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: MA

Complaint narrative:
I am contesting the accuracy and legality of the following items currently listed on my consumer credit report. These entries contain unverified and inaccurate data, and I demand immediate investigation and resolution. In accordance with FCRA Section 611 [ 15 U.S.C. 1681i ], I request that you verify each disputed item with documented proof or DELETE it from my report. Any item lacking verifiable proof of ownership or authorization must be permanently deleted. 

PERSONAL INFORMATION TO BE CORRECTED OR DELETED : Incorrect 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You must provide original documents proving I authorized this account. If no such proof exists, DELETE the account immediately. 

INQUIRIES TO BE DISPUTED AND DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not initiated or authorized by me. Per FCRA 604 [ 15 U.S.C. 1681b ], any inquiry reported without my written consent or without a firm offer of credit is illegal. If you can not provide a signed authorization, DELETE these inquiries immediately.

NOTICE OF COMPLIANCE REQUIREMENT : You are required to comply with Metro 2 data reporting standards, as outlined in the XXXX XXXX XXXX XXXX ( XXXX ) reporting guidelines. Any failure to report with maximum accuracy under FCRA 1681e ( b ) constitutes a violation. Willful non-compliance will be documented and may result in legal action under FCRA 1681n and 1681o.

NEXT STEPS REQUIRED : Investigate each item listed above.

Provide physical documentation bearing my signature or legal authorization.

Delete all unverifiable or inaccurate information.

Mail an updated copy of my credit report reflecting the results of this dispute. 

If you can not verify the accuracy of the disputed entries within 30 days, you are required by law to DELETE them. Failure to comply may result in complaints filed with the CFPB, FTC, State Attorney General, and potential civil action. 

Thank you for your prompt attention to this matter.

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 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a dispute regarding several accounts on my credit report that were not opened or authorized by me. I had no interaction with the companies listed, and I believe these entries are a result of fraudulent activity.

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 2025-06-27 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-06-27 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: MI

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 2025-06-27 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: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-06-27 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-27 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: SC

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 XXXX  , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Illegal Reporting of Charge-Off Account Past 7-Year Limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Complaint Details : XXXX XXXX XXXX XXXX is illegally furnishing a charge-off account to the credit bureaus that is over 7 years old, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX First Delinquency : XX/XX/XXXX ( confirmed ) Current Status : Charge-Off Balance : {$1000.00} Last Reported : XX/XX/XXXX Reporting Agencies : XXXX XXXX TransUnion Violations Committed : 1. FCRA 605 ( a ) This account should have been automatically deleted by XX/XX/XXXX ( 7 years from first delinquency ). Furnishing this account in XXXX is unlawful. 

2. FCRA 623 ( a ) ( 1 ) ( A ) XXXX XXXXXXXX is furnishing incomplete, outdated, and harmful data with no legal basis for continued reporting. Furnishers must ensure accuracy and timeliness. 

3. FCRA 611 ( b ) After five prior disputes, XXXX XXXX has failed to verify or remove this account a direct violation of FCRA reinvestigation requirements. 

4. Metro 2 Reporting Violation Reporting of derogatory tradelines beyond 84 months breaches the industry-standard Metro 2 credit reporting guidelines.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Illegal Reporting of Charge-Off Account Past 7-Year Limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Details : XXXX XXXX XXXX XXXXA is illegally furnishing a charge-off account to the credit bureaus that is over 7 years old, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX First Delinquency : XX/XX/XXXX ( confirmed ) Current Status : Charge-Off Balance : {$1000.00} Last Reported : XX/XX/XXXX Reporting Agencies : Equifax, Experian, TransUnion Violations Committed : 1. FCRA 605 ( a ) This account should have been automatically deleted by XX/XX/XXXX ( 7 years from first delinquency ). Furnishing this account in XXXX is unlawful. 

2. FCRA 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXXs furnishing incomplete, outdated, and harmful data with no legal basis for continued reporting. Furnishers must ensure accuracy and timeliness. 

3. FCRA 611 ( b ) After five prior disputes, XXXX XXXX has failed to verify or remove this account a direct violation of FCRA reinvestigation requirements. 

4. Metro 2 Reporting Violation Reporting of derogatory tradelines beyond 84 months breaches the industry-standard Metro 2 credit reporting guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I noticed XXXX XXXX transactions in a text message I saw on the morning of XXXX. I called Citibank and reported this as soon as I notice it. I told the rep that I did not make these transactions. The representative took my complaint. My account was not frozen. I subsequently noted another XXXX transaction on XXXX, I called Citibank again and reported this and the account was frozen. 

They have deducted XXXX unauthorized XXXX transactions in the amounts of {$200.00}, {$2000.00}, {$2800.00} on XXXX and {$3000.00} on XXXX. The last one after I had already reported this unauthorized activity to Citibank. 

Citibank wrote to me on XXXX stating " Based on the information you provided and the results of our research, we've concluded that these transactions were made from your account using XXXX. Please note that your Citibank online credentials were required to make these transactions. ". That is obvious however I never gave my credentials to anyone and did not authorize them. One transaction occurring after I called Citibank. 

I would like to recover my {$8000.00}. Citibank has not returned this money to me. Please help. 

Looking back on older texts it appears a Citibank Visa Diamond credit card was mailed to me on XXXX XXXX. I never received that card. An unauthorized balance transfer was made to my credit card on XXXX 2025. I reported this on the day it occurred. That credit card was stopped on that day. Possibly these two events were related.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I discovered a XXXX XXXX account reported as in collections on my credit report through TransUnion. I had already returned the XXXX device. I have proof of the return with XXXX tracking # : XXXX. 

Before this, I was contacted by two different collection agencies about the same XXXX balance. XXXX XXXX attempted to collect on the account in XX/XX/XXXX, and XXXX XXXX XXXX XXXX attempted to collect in XX/XX/XXXX. I contacted both agencies and provided return confirmation, but neither offered documentation verifying the debt. One of the agencies even offered to settle the balance for a reduced amount, which further raised concerns about the accuracy and legitimacy of the charge. 

In XX/XX/XXXX, I formally disputed the account with TransUnion and requested verification of the debt, including documentation of the original balance, breakdown of charges, and the basis for the collection. On XX/XX/XXXX, TransUnion closed the dispute and marked the item as verified as accurate, but they did not provide any of the requested documentation. 

This account continues to appear on my credit report and negatively impacts my credit score. I am requesting that the item be removed from my report unless full documentation is provided proving that the debt is valid and collectible.

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 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX 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 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase Complaint Letter ( Sample ) Subject : Urgent Fraud Report and Request for Investigation Dear Coinbase Support Team, My name is [ Your Full Name ], and I am writing to report unauthorized activity and potential fraud involving my Coinbase account. On or around [ Date ], significant assets totaling approximately {$11.00} billion USD in cryptocurrency were moved or lost from my wallet without my authorization. 

I have attempted to contact Coinbase multiple times regarding this issue, but I have not received the necessary assistance. I believe there may have been unauthorized access through my email or a connected wallet, and I am requesting a full investigation, including recovery options and law enforcement cooperation. 

Phone number : [ Insert your number in full format ] Email associated with Coinbase account : [ Insert your email ] Transaction Hash or Wallet Info ( if known ) : [ Insert any hash, wallet address, or token involved ] Police Report Filed : Yes / No [ Optional : Insert report number or agency ] FBI Report Filed : Yes / No [ Optional ] I respectfully request that Coinbase initiate a security review of my account activity, provide access to all logs regarding my transactions, and respond to this report as a high-priority case. 

Thank you for your immediate attention. Please contact me at the above phone or email for follow-up. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation