vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
This company alleges that I owe them XXXX I have know knowledge of this company never had any dealing with the, I have attached a debt violation letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Coinbase stole {$160.00} from me on XXXX. I contacted my bank and was told nothing could be done. I contacted the company several times since and they either ignored me or claimed that there was nothing could be done. On XX/XX/XXXX of 2025, I received an email from Coinbase, stating the noticed an error and would refund {$160.00} back to me. I have called and emailed them many times, but they are either stalling or just incompetent

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-05-14 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: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CFM Group LLC
State: TX

Complaint narrative:
our company entered a contract with a uniform rental company, on XX/XX/XXXX. we had issues each we different things and they would credit us back the {$34.00} we were being charged each week, no problem dates of XXXX then on XXXX i get a copy of invoice for {$120.00} that was NOT SIGNED BY ME OR ANYONE AT OUR COMPANY. First red flag the amount was way higher and the person that signed the invoice/delivery invoice was their company 's driver and there are items we did not receive that were charged as well. I contact the uniform company 's XXXX, explained that was not my signature and not to charge my credit card for that {$120.00} because 1. I did not sign 2. I did not receive items being charged 3. their policy and our contract states invoices must be signed to auto-pay on card. After them not wanting to fix this, I read the contract and followed the procedure to terminate the contract due to forgery and unauthorized charges to credit card. Here it is XX/XX/XXXX, and I receive a letter from a collection for the outrageous amount of {$6400.00} we stopped service on XX/XX/XXXX disputed charges with credit card company on XX/XX/XXXX in the amount of {$120.00} I have not made a police report for the forgery of my signature but will do so if necessary to clear this up. 

{$6400.00} is insane everything was returned, uniform company lied about crediting account, their employee forged my signature and fraudulently charged our credit card something needs done so this does not happen to others this is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-14 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: NV

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
Complaint for : Digital Federal Credit Union ( DCU ) Issue Type : Personal Loan Problem with loan application or approval process What happened : Im a long-time DCU member with strong credit and payment history. I applied for a {$25000.00} personal loan with them about XXXX weeks ago. I was initially approved, then counter-offered {$15000.00} which I accepted. I submitted all requested documents, including tax returns showing over {$80000.00} in income. 

Despite accepting the offer, the loan was eventually denied after weeks of waiting and confusing communication from multiple departments. I was told it had to go through a " tax department '' and later another " loan department, '' but I never received consistent answers. If this process had been handled properly, the loan should have been approved and funded weeks ago. 

My credit score is close to XXXX. I paid off a {$10000.00} loan with DCU early and keep near-zero utilization on my DCU credit card. I was even told I needed to " step up slowly '' which made little sense given my credit profile and relationship with the credit union. 

It feels like my income was mishandled or misclassified by someone in the process. Ive always submitted documents promptly and done everything asked, but the loan was still denied after I had already accepted the counter-offer. 

What I want : Im requesting a full review of DCUs process in handling this loan, especially how income was assessed and why an accepted offer was reversed. I also want clarity on whether my information was reviewed accurately and fairly. 

XXXX just a regular person trying to borrow responsibly. Ive built a good relationship with DCU and expected to be treated fairly, but this experience has been incredibly frustrating and disappointing.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
In XX/XX/year>, Bilt made changes to its rent payment process, introducing new account numbers for users to input into their rent portals. I followed the instructions and updated my rent payment portal with the new Bilt-provided account and routing numbers.

However, Bilt failed to clearly communicate that an additional steppre-authorizationwas required to enable successful rent payments from the updated account. Email attached. This crucial requirement was not clearly disclosed in the email or instructions provided to me. In additional, it is also confusing as why such step is needed for already recurring transactions as the transaction amount is lower than credit limit. Most importantly, when I am using Bilt app, there's no place to add the pre-authorization required. 

As a result, my recurring rent payment for the month failed. This failure led my property XXXX to attempt to process a check using the provided Bilt account details, which was rejected. Consequently, I was charged a {$60.00} returned check fee due to insufficient funds or inability to process the transactionan outcome that was entirely avoidable had Bilt properly communicated the need for pre-authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint to the CFPB for the immediate deletion of the following unauthorized reported hard inquiries from my TransUnion credit report, which I did not allow or authorize to be included in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were reported without my knowledge or written consent, which violates 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), requiring a valid permissible purpose for any access to my consumer report. TransUnion has no authorization or written instruction from me, and yet these inquiries were reported. This also violates 15 U.S.C. 1681e ( b ), which mandates TransUnion to follow reasonable procedures to assure maximum possible accuracy. If TransUnion will not remove the inquiries, and their continued reporting without verification constitutes willful and/or negligent noncompliance, making them liable under 15 U.S.C. 1681n and 1681o, I can seek {$1000.00} per damages. I am demanding that TransUnion delete these inquiries immediately and provide written confirmation of the removal.

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 2025-05-14 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: GA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: AP

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. Debt Validation Request - XXXX. I'm writing to request validation of the debt you are attempting to collect from me. I received a notice from your agency on XXXX XXXX 2022 stating I owe {$870.00} on account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g, I am requesting that you provide me with the following information to validate this debt : 1. The amount of the debt ; 2. The name and address of the original creditor ; 3. The date of the last payment ; 4. The date of the default ; 5. A copy of the original contract or agreement ; 6. A detailed accounting of all fees 7. Proof that the statute of limitations has not expired ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AP

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. Debt Validation Request - XXXX. I'm writing to request validation of the debt you are attempting to collect from me. I received a notice from your agency on XXXX XXXX 2022 stating I owe {$870.00} on account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g, I am requesting that you provide me with the following information to validate this debt : 1. The amount of the debt ; 2. The name and address of the original creditor ; 3. The date of the last payment ; 4. The date of the default ; 5. A copy of the original contract or agreement ; 6. A detailed accounting of all fees 7. Proof that the statute of limitations has not expired ;

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 2025-05-14 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: NC

Complaint narrative:
Good day! I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the tremendous anxiety and stress it's causing me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 HAVE BEEN AFFECTED OF XXXX XXXX XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : FST PREMIER # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened - XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient XXXX : Credit Bureau XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Management I would like to appeal a credit report that was sent because of one missed payment. I have a perfect record of paying my loans on time. A little background. Since I started paying for my student loan, I was never informed that my student loan was switched from a Fed Loan to a private loan. Because of this, when the government put in the student loan freeze at the beginning of the pandemic, I was unaware that my loans was not eligible for this freeze. I never received any sort of email or correspondence about this. Please see all emails from Navient sent to me. 

Furthermore, when I reached out to Navient about putting my loans on forbearance, they were able to do that. But for those months for some reason, they did not. 
I asked that you remove the mistaken credit report that was sent as it has costed me over one hundred points on my credit score. This has severely impacted my interests on several fronts. I have reached out to the three credit reporting agencies, and no one has gotten back to me. I reached out to Navient who told me that the only way this mistake can be reversed is to reach out to you. 
Also, my student loan has been moved to Fed Loan

Company response to consumer: Closed with explanation