vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days. pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 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

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 2025-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per 15usc 1611 TransUnion is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : Better Business Bureau. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency

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 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
My car was ruled a total loss in XXXX  I was told by insurance they sent the check to credit acceptance for the amount the car was valued at and was told my GAAP insurance would cover the rest. Credit acceptance stated that they sent out a different amount that all I had to pay was {$190.00} to my house but I never received this bill. So instead of reaching out to me they kept the account open and is still collecting interest as of 5 years later. The car was a total loss. They are still reporting to credit bureaus that I owe almost {$7000.00} still and havent made a payment since XX/XX/year>. Ive tried disputing it as well as resolving this account with credit acceptance and they have failed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Dear CFPB, I would appreciate your help and assistance with resolving account issues I am having with several crypto companies. I have been involved with crypto currency for over a decade starting with mining. After losing all my coins to companies that closed and took the coins ( XXXX, XXXX ) I stopped with crypto. However lately I became more active initially opening an account with Coinbase.com. I had this account for a few months the only thing I did was buy coins however, I did start to use USDC to send money to friends, pay bills, & etc, After doing this a couple of months Coinbase suspended my account and forced me to convert all my coins to cash and send it back to my bank. Most of these transactions met I had a lose and paid commissions. I was told if I did not do this I would forfeit my coins. I asked for a reason for their action. They refused to tell me anything. After my Coinbase was closed I opened a XXXX account the same thing happened. After this closure I tried to open a XXXX account and was refused from the get go. I am XXXX XXXX XXXX worked over 40 years in the XXXX XXXX subject to poly, never arrested, no bounced checks, & etc. I understand scams, money laundering. I do not need these companies to protect me. I suspect their compliance people have come from banks which is why many of us our using our banks at a minimum. We got tired of banks asking us what we were going to do with our money and making us come back a few days latter for {$1000.00}. Asked these companies for their rational for closing my accounts they refused. I have been notified by XXXX that someone was using my email address but that is not the reason I was told. It seems that if a Company is black balling someone and appearing to indicate they have derogatory information on an individual should have the right to review and response to this information. I do travel a lot so my IP is often different. I do use a VPN at times to protect my privacy. Could they not understand this and they use these things as a reason. I would appreciate your helping resolve this situations. It's not like I have millions of dollars. I am also not sure they can legally force someone to sell their coins and not allow someone to move them to another wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
Fraudulent Account Identified : Creditor : XXXX XXXX XXXX Account Type : Auto Loan Opened : XX/XX/XXXX Original Balance : {$14000.00} Current Amount : {$7400.00} Account Number : XXXX Evidence of Identity Theft : Police Report Number : XXXX This account was opened fraudulently during a documented data breach Equifax XX/XX/XXXX data breach I submitted an FTC Identity Theft Report XXXX and a police report to all three credit bureaus and XXXX XXXX. 

I have repeatedly requested copies of the original application and contract from XXXX XXXX to prove this account is not mine, but they have not responded. 

Credit Bureau Failures : I first disputed this account with Equifax, Experian, and TransUnion via certified mail Despite providing copies of my identity theft report, SSN, and government-issued ID, the bureaus have neither investigated nor removed the account. 

It has been over five years since my initial dispute, and I have received no substantive response from the bureaus or XXXX XXXX. 

Violations of the FCRA The credit bureaus are in violation of : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information.

15 U.S.C. 1681i ( d ) : Failure to notify me of investigation results within 30 days. 

Requested Resolution I urge the CFPB to : Investigate Equifax, Experian, and TransUnion for their noncompliance with the FCRA. 

Direct the bureaus to permanently remove the fraudulent XXXX XXXX account from my credit reports. 

Require the bureaus to provide written confirmation of the deletion and corrected copies of my reports. 

Investigate XXXX XXXX refusal to provide documentation or respond to my disputes. 

Require the bureaus and XXXX XXXX to explain how this fraudulent account originated ( e.g., data breach vulnerabilities ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MD

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX XXXX across these negative accounts reporting on my credit report in XX/XX/202XXXX I asked that you immediately remove it from my credit file as soon as possible as I am a victim of identity theft and did not give any authorization whatsoever please remove them from my file immediately!

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 2025-05-25 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: MD

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX XXXX across these negative accounts reporting on my credit report in XX/XX/202XXXX I asked that you immediately remove it from my credit file as soon as possible as I am a victim of identity theft and did not give any authorization whatsoever please remove them from my file immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell # XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my Transunion credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2025-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/year> a notice to vacate was signed. I was given until XX/XX/year> to vacate. I left the premise during the indented time frame. 

I never received a notice of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I am writing to file a formal complaint regarding a fraudulent credit card account reported by Wells Fargo that is now appearing on my credit report and has been sent to collections. I am a victim of identity theft, and this account was opened by me in XX/XX/year> and then shortly there after stolen and used without my authorization. 

When I first discovered the issue, I immediately contacted Wells Fargo and explained that my personal information had been stolen and used fraudulently. Despite providing information to support my claim and requesting that the account be closed and removed from my credit file, Wells Fargo failed to properly investigate or resolve the matter. As a result, the account is still being reported as a valid debt, negatively impacting my credit report and score. When I spoke to Wells Fargo they explained to me that someone had went to a Wells Fargo bank in XXXX Georgia and paid money on the cards to recieve a higher allowance. They then accused me of driving all the way from XXXX XXXX Ky to do this... 

I am requesting the CFPB to assist in the following : 1. Investigate Wells Fargos handling of my fraud claim.

2. Ensure this account is removed from all credit reporting agencies ( TXXXX XXXX XXXX XXXX XXXX 

XXXX. Ensure the associated collection account is also removed. 

XXXX. Take any appropriate action to hold Wells Fargo accountable for its failure to investigate and resolve this matter in accordance with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

I would appreciate your urgent attention to this matter, as it is causing ongoing financial and emotional stress. 

Sincerely, 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 2025-05-25 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: FL

Complaint narrative:
RE : DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIABLE ACCOUNT XXXX XXXXXXXX & Account # : XXXX To Whom It May Concern : This letter serves as a formal dispute and final demand for the removal of an unverifiable and inaccurate account currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify the accuracy and validity of all information you report. If you can not provide written proof of the source and accuracy of this account, you are legally obligated to delete it immediately.

The account in question, [ Insert Account Name/Number ], does not belong to me or is otherwise completely unverifiable. You have 30 days from receipt of this letter to investigate and confirm the legitimacy of this item. If you can not produce physical documentation showing that I am legally responsible for this account, then its presence on my report is a violation of my rights.

Be aware : failure to comply with this demand will leave me no choice but to take legal action against your agency for willful noncompliance with the FCRA under 15 U.S. Code 1681n and 1681o. I will not hesitate to seek statutory damages, punitive damages, court costs, and attorneys fees.

I am not asking. I am demanding that this unverifiable and unauthorized account be deleted immediately. This is your final opportunity to resolve this matter without escalation.

You are to send written confirmation of deletion within 15 days of completing your 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 explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
RE : DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIABLE ACCOUNT XXXX XXXXXXXX & Account # : XXXX To Whom It May Concern : This letter serves as a formal dispute and final demand for the removal of an unverifiable and inaccurate account currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify the accuracy and validity of all information you report. If you can not provide written proof of the source and accuracy of this account, you are legally obligated to delete it immediately.

The account in question, [ Insert Account Name/Number ], does not belong to me or is otherwise completely unverifiable. You have 30 days from receipt of this letter to investigate and confirm the legitimacy of this item. If you can not produce physical documentation showing that I am legally responsible for this account, then its presence on my report is a violation of my rights.

Be aware : failure to comply with this demand will leave me no choice but to take legal action against your agency for willful noncompliance with the FCRA under 15 U.S. Code 1681n and 1681o. I will not hesitate to seek statutory damages, punitive damages, court costs, and attorneys fees.

I am not asking. I am demanding that this unverifiable and unauthorized account be deleted immediately. This is your final opportunity to resolve this matter without escalation.

You are to send written confirmation of deletion within 15 days of completing your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX/2025 XXXX XXXX XXXX/2025 7XXXX XXXX XXXX XXXX2025XX/XX/year>

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 2025-05-25 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: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INNOVIS XXXX XXXX XXXX, XXXX PA XXXX Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my INNOVIS credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report I C system open XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: MS

Complaint narrative:
Experian Credit Bureau included an account from a collection agency in my credit history, reducing my credit score from XXXX to XXXX, XXXX points. This account is not mine since I have never lived in XXXX, IN, or conducted business with XXXX XXXX XXXX XXXX. I noticed the discrepancy on XX/XX/year> ; the amount in question is {$1700.00}, which was opened on XX/XX/year>.

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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation