vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MO

Complaint narrative:
I am writing to formally dispute the accounts and inquiries appearing on my consumer credit report, which I believe to be the result of a data breach, identity theft, fraud, and/or unauthorized access. I hereby request verifiable documentation, including copies bearing my physical or electronic signature, for any account or inquiry that is alleged to have been authorized by me. 

I have never authorized these actions. Their inclusion on my credit report constitutes a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), including : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have already contacted the companies associated with these accounts and inquiries and confirmed that these actions were taken without proper verification or original documentation. Therefore, the reported items are factually inaccurate and appear to result from fraudulent activity, a data breach, or unauthorized reporting by creditors or third-party data furnishers.

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 2025-04-21 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: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NJ

Complaint narrative:
There is an unauthorized hard inquiry XXXX XXXX  DELAWARE. I did not apply for this card and i called Transunion in XXXX to file a dispute but they ignored my complaint and hard inquiry remains.

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 2025-04-21 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: CA

Complaint narrative:
Subject : Formal Complaint Regarding Repeated Reinsertion of Fraudulent Account in Violation of FCRA Dear Experian Fraud Department, I am writing to formally dispute the repeated reinsertion of a fraudulent account into my Experian credit report, despite prior confirmations of its inaccuracy. This action contravenes multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Details of the Issue : Fraudulent Account : The account in question is listed as " XXXX XXXX '' with a balance of {$12000.00}. This account has been confirmed as fraudulent and unrelated to my credit history. 
Repeated Reinsertion : Despite its removal, this account has been reinserted into my credit report on five separate occasions. 
Lack of Proper Notification : I have not received the mandatory written notice within five business days of each reinsertion, as required by the FCRA. 
Refusal to Permanently Block : Experian has declined to place a permanent block on this fraudulent account, citing that the creditor can continue to reinsert the account indefinitely. 

Violations of Consumer Protection Laws : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of previously deleted information without proper certification and consumer notification. 

2. 15 U.S.C. 1681n : Establishes civil liability for willful noncompliance with FCRA requirements.

3. 15 U.S.C. 1681o : Establishes civil liability for negligent noncompliance with FCRA requirements.

4. 15 U.S.C. 1681b : Limits permissible purposes for furnishing consumer reports; including fraudulent information violates this provision.

5. 15 U.S.C. 6802 : Obligates financial institutions to protect consumer information and prevent unauthorized disclosures. 

Requested Resolution : I respectfully request that Experian : Conduct a thorough investigation into the repeated reinsertion of the fraudulent " XXXX XXXX '' account. 
Permanently remove and block this fraudulent account from my credit report. 
Ensure compliance with all relevant FCRA provisions to prevent future occurrences. 

Please find enclosed copies of supporting documentation, including prior dispute correspondence and identity verification documents. I request a written confirmation of the actions taken regarding this 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 explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * {$390.00} {$390.00} INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX TransUnion , XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-21 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * {$390.00} {$390.00} INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX TransUnion , XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2025-04-21 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MI

Complaint narrative:
XXXX account with balance XXXX XXXX account with balance of XXXX XXXX account with balance XXXX XXXX code 82 applies XXXX XXXX code 93 applies XXXX code 34 applies This is for XXXX compliance. 
These accounts are reporting inaccuracies therefore they at a result of fraud. The credit reporting agencies are complicit in this illegal activity. 
These accounts are grossly reporting inaccurately

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 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle from XXXX XXXXXXXX in XXXX XXXX, NJ, and financed it through XXXX XXXX XXXX. The official loan amount reported by XXXX XXXX XXXX and reflected on my credit report is {$33000.00}, with an APR of 10.5 % and monthly payments of {$630.00}. However, a XXXX XXXX XXXX representative later informed me over the phone that the actual loan amount was allegedly over {$45000.00} a number that was never disclosed in writing or shown anywhere in the contract, billing statements, or XXXX  online portal. 

Since the start of this loan, I have paid over {$15000.00} despite experiencing a few delays in payment yet the loan balance remains suspiciously high with no clear breakdown of where my payments have gone. I have repeatedly requested written documentation and an itemized explanation from both XXXX XXXX XXXX and XXXX XXXX finance department, including by emailing and mailing a formal dispute letter in XX/XX/XXXX. Neither party responded. 

The refusal to provide transparency, the conflicting verbal statements, and the lack of accountability raise serious concerns of deceptive lending practices and possible misrepresentation. This situation has caused emotional and financial stress, and I am now formally requesting investigation and intervention from the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Im reaching out because I recently reviewed my credit report and noticed some accounts listed that I never opened or authorized. Ive never had any dealings with these companies, and seeing them show up on my report was both confusing and alarming. Just to be clearthese accounts are not mine. I didnt open them, I didnt give anyone permission to use my information, and I have no connection to them whatsoever. It seems like my personal information may have been used without my knowledge.

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 2025-04-21 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: OH

Complaint narrative:
I am a victim of identity theft. Some one has used my personal information and social to open these fraudulent accounts im disputing. I have never gave anyone permission or authorization to open these accounts. This has really affected my ability to get a good job to support my family

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 2025-04-21 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: OH

Complaint narrative:
I am a victim of identity theft. Some one has used my personal information and social to open these fraudulent accounts im disputing. I have never gave anyone permission or authorization to open these accounts. This has really affected my ability to get a good job to support my family

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 2025-04-21 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information on My credit report file. 

These 2 accounts item : XXXX XXXX XXXXXXXX XXXX XXXX  ) I've been alerted that these accounts are reporting to your organization as a debt belonging to me, but these debts does not belong to me I've reached out to XXXX XXXXXXXX and their no records or accounts indicate that their company have never had or produce an account with My name on it,. it is clear understanding to me that either this debt has been a direct result of a computer generated or a glitch in your organization system, please be advised according to FCRA 609 Law protects consumers from inaccurate or misleading information in your credit report?, So I am requesting that these accounts be removed from My credit report ASAP. I have come to the conclusion that I have exonerated all of my resources with trying to resolve this matter please bring swift attention to this matter Enclosed is documentation supporting my request : My credit report, with the disputed items circled. 
Please thoroughly investigate this matter and delete these accounts and the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: OH

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!

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 2025-04-21 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: OH

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am a documented victim of identity theft and have submitted a notarized sworn affidavit, an FTC Identity Theft Report ( Ref # : XXXX ), and a full evidence packet. XXXX XXXX XXXX is continuing to report fraudulent and harmful data including : A XXXX XXXX account marked Closed for Cause that I did not open Multiple returned transactions and inquiries I did not authorize Duplicate and misleading reporting on an open XXXX account Incorrect personal identifiers including old phone numbers, emails, and license data I have requested a full block and deletion under FCRA 605B, and I am not requesting a fraud alert or freeze only deletion. These violations have caused me to be denied access to bank accounts and financial services. 

I am submitting this packet as part of my formal CFPB complaint for enforcement under FCRA 605B, 609 ( e ), and 616617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I am attempting to update my profile on Coinbase. 

They are asking me to submit my ID. 

I can not submit my ID because the link they've supplied does not allow me to. 

Now its a stalemate. I can not reach a human. They regurgitate the same reply despite me supplying screen shots, screen recordings and other evidence. It would appear they are not even reviewing the screen recording for example, as the platform displays no views.

Company response to consumer: Closed with explanation