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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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: MI

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains information that is inaccurate and not reflective of my financial activity. I have noticed a number of accounts that I did not open and had no prior knowledge of.

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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 is missing that should be on the report
Company: DISCOVER BANK
State: NJ

Complaint narrative:
FCRA 1681s-2 ( a ) ( 1 ) ( A ) Credit Bureaus did not report accurate information.

FCRA 1681i ( a ) ( 1 ) ( A ) The Credit Bureau did not verify my late payment. The late payment must be removed by law.

Lastly FCRA 623 ( b ) ( 1 ) The creditor didn't investigate my dispute. Also by law the late payments must be removed on all bureaus because of this negligence. 

I have sent multiple letters to all Credit Bureaus stating such and my late payments have not been negated as of today. My score is a mid XXXX and should be closer to XXXX 's, if not higher but due to the negligence of the credit bureau my score is stagnant. I thank you for taking the time to look into and rectify this matter. 

Late Payments Accounts Discover Credit card XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Approve Holdings, Inc
State: FL

Complaint narrative:
I applied for an auto refinance through XXXX XXXX. I was first told I needed to complete XXXX payments with XXXX before being eligible. After completing that requirement, they said I had derogatory marks from XXXX XXXX and XXXX XXXX XXXX. I disputed those, and they are no longer reporting. I was then told my score is too low. They never conducted a new hard inquiry nor provided a proper Adverse Action Notice as required under XXXX. It feels like XXXX being bounced around with changing excuses and denied access to fair lending practices.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I kept getting XXXX XXXX downgrades from TRANSUNION through an account from XXXX  XXXX XXXX. When I checked why it showed incorrect address and employment. I tried to dispute it but TRANSUNION will not allow me to file a dispute.

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 — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: SD

Complaint narrative:
On the XXXX of XX/XX/XXXX, my XXXX " smart '' telephone number was stolen from me, i.e., I experienced an unauthorized " port out '' of the telephone number to another carrier. For XXXX I worked with XXXX to successfully discover the number. I was successful. 

However, in that time, the perpetrator ( XXXX ) were able to glean information from financial account applications from multiple of my financial accounts. On the XXXX of XXXX, when I was notified by XXXX of the transfer of my number, I began a process of securing all financial accounts by changing login credentials. I found that most of my accounts had been locked, I suspect because they had been tampered with. 

Most accounts appeared not to have had any fraudulent activity. However, my XXXX account had XXXX small unauthorized transactions < {$50.00} which have subsequently been reversed. My XXXX XXXX account showed approximately $ XXXX in authorized transactions on the XXXX of XXXX. They were reversed by XXXX XXXX. 

However, my Coinbase account, which I have held since XXXX, was " locked, '' and I have successfully been unsuccessful in unlocking it. My Coinbase account has XXXX XXXX in " Coinbase XXXX  '' storage. There appears to be a " man-in-the-middle, '' between me and my account. 

In my countless efforts to recover my account access, I believe I have experienced multiple fake emails pretending to be from Coinbase. There have also been fake emails from my e-mail address to my children asking them to approve withdrawal of the XXXX from my account. However, the emails to my children " from '' my email address are unknown to me and do not appear in my " sent '' mail folder. 

Since the XXXX of XXXX, there have been multiple attempts to withdraw my Bitcoin from the Coinbase vault with emails to my children " from '' Coinbase to approve the withdrawal of all my Bitcoin from the XXXX XXXX. 

My children are co-signers who must co-approve any withdrawal from the Coinbase XXXX. 

I suspect a " man-in-the-middle '' may be a person or persons at either Coinbase or XXXX or who may exist outside of both companies.

Coinbase has been and continues to be virtually impossible to communicate with outside of their website. Unfortunately for me, one must be signed into their account to communicate on the website.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has recently sold all my consumer credit accounts with them to XXXX Acquisitions, therefore, they can not continue to furnish this accounts on my consumer credit report. I demand that all these accounts furnished by XXXX XXXX be removed 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my final notice and legal demand for the immediate deletion of multiple accounts and collections currently being reported in violation of federal law. 

I am a direct victim of the Equifax and XXXX XXXX XXXX XXXX. Any data you continue to report without verifying its integrity or source is unlawful under XXXX XXXX. XXXX, XXXX, and XXXX ( b ). You can not rely on corrupted or unverifiable information sourced from breached systems. Doing so constitutes willful non-compliance and opens you to liability under XXXX XXXX. XXXX and XXXX. 

Disputed Accounts : XXXX/XXXX  XXXX Status : Included in Bankruptcy Violation : XXXX XXXX XXXX FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ) XXXX XXXXXXXX Status : XXXX XXXX  | Included in Bankruptcy Violation : Data inconsistency across bureaus, failure to update or verify, XXXX ( b ), XXXX ( a ), XXXXXXXX XXXX XXXX XXXXXXXX Status : XXXX  XXXX  | Bankruptcy Chapter XXXX Violation : Unverified, inaccurate, and reinserted without proper notice XXXX ( a ) ( XXXX ) ( B ) XXXX  XXXX Status XXXX XXXX XXXX XXXX Bankruptcy Chapter XXXX Violation : Misreporting status, XXXX XXXX format failure, lack XXXX permissible purpose ( XXXX ) XXXX XXXX XXXX Status : XXXX  XXXX  | Bankruptcy Chapter XXXX Violation : Misrepresentation of account status, XXXX ( b ), XXXX These accounts were previously deleted or corrected by other bureaus, yet you continue to report them with conflicting payment history, balances, and account statuses. This proves your failure to follow the XXXX XXXX Format and the XXXX XXXX XXXX XXXX ( XXXX ) compliance standards. 

Additionally, per FCRA XXXX ( a ) ( XXXX ) ( B ), any item reinserted must include written notice within XXXX ( XXXX ) business days. I did not receive such notice, which makes this a clear violation. 

DEMAND : You have no legal basis to report this data. XXXX not requesting an update I am demanding PERMANENT DELETION of all listed accounts. 

If these accounts are not deleted within XXXX business days from receipt of this notice, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal action under : FCRA : XXXX U.S.C. XXXX, XXXX ( b ), XXXX, XXXX, XXXX TILA : XXXX U.S.C. XXXX Fair Credit Billing Act ( XXXX ) XXXX : Equal Credit Opportunity Act XXXX XXXX : 2020 XXXX guidelines Data breach implications under consumer data protection laws Please mail me proof of deletion and an updated credit report reflecting these corrections.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HYUNDAI CAPITAL AMERICA
State: UT

Complaint narrative:
On Wednesday XX/XX/XXXX was called by XXXX XXXX twice within a XXXX minute time frame due to me owing about XXXX from my car loan after my car accident, on at XXXX am and XXXX am, the conversation from the call at XXXX am i addressed that I spoke with a representative on Monday XX/XX/XXXX about how I will call them due to me waiting on the settlement from the car accident, the gentleman on the other line started arguing with me and I told them to not contact me again, well on XX/XX/XXXX @ XXXX am XXXX XXXX continued to call me, I addressed them and said theyre in violation of FDCPA they hung up afterwards.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute several inaccurate entries on my credit report. I did not authorize or open these accounts, nor do I have any affiliation with the institutions listed. Their presence is both misleading and damaging to my financial integrity.

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 did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, 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. 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 XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
In XXXX, I filed a fraud dispute with Capital One on my XXXX  XXXX  card account. They removed the charges, but later rebilled the account and applied my {$310.00} security deposit toward that fraud balance. I eventually won the case, and the charges were removed but Capital One kept my deposit. I requested documentation and a full breakdown multiple times but was never provided clear proof. They also reported late payments during the active fraud investigation, which XXXX  my credit. Despite months of communication, they refused to fix the errors or return my deposit. I want my deposit refunded and the incorrect late marks removed.

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: NC

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 Services , 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. 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  NC XXXX ACCOUNTS : XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} INQUIRIES : 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It has come to my attention that my credit report contains several fraudulent accounts that I did not open or authorize. I have never maintained any financial relationship with the companies reporting these accounts.

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
In XX/XX/year>, I opened a {$2500.00} line of credit with CreditFresh ( serviced by XXXX XXXX XXXX  ). Between XX/XX/XXXX and XX/XX/XXXX, I made 11 biweekly payments of {$160.00} ( totaling {$1800.00} ), yet only about {$500.00} was applied to the principal. The remaining {$1300.00} was consumed by billing-cycle fees. The original agreement did not disclose an APR ; instead it used tiered fees that effectively exceed 100 % interest. On XX/XX/XXXX, I emailed a proposal to settle for {$1200.00} paid in six monthly installments of {$200.00}, applied entirely to principal, with no further fees and account closure. When I followed up by phone on XX/XX/XXXX, a representative said the numbers are the numbers and refused any alternative. I have remained current and am seeking a fair resolution.

Company response to consumer: Closed with explanation