vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: AL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-01 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: AL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. Please see below for the details of each account in dispute, separated by credit bureau. 

CHARGED OFF XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Date : XX/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 2025-12-01 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the following inaccuracies on my credit report. Below are the details of the accounts that I believe to be inaccurately reported, separated by bureau : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was reached out to for a collaboration with an XXXX. With this collaboration, XXXX separate echecks amounting in {$900.00} were emailed to me for depositing and transferring. The checks were deposited on XX/XX/XXXX, XXXX, and XX/XX/XXXX, and XX/XX/XXXX. After each deposit the funds were deposited into my bank account and then the following day it would get return deposited and withdrawn from my accounts. I reached out to the issuer of the checks when this happened and they then tell me that their account was placed on hold which is why the funds were not available. As a result of the checks bouncing from my bank accounts, my bank accounts were then placed on a hold on XX/XX/XXXX and are now getting closed, and I am no longer able to get into contact with the issuer of the original checks. As a result of this I have lost money used for my rent, utility, internet, and tuition bills plus some.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: OH

Complaint narrative:
i have reviewed my credit report and found unverified items.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy XXXX XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NY

Complaint narrative:
This account was settled. They took {$50.00} a month from me for XXXX years for garbage when i was not receiving the service. Called and had evidence of complaint and nothing was done. Money was still coming out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I have been attempting to obtain money deposited in my Coinbase account since XX/XX/XXXX XXXX. I have spoken to multiple XXXX XXXX over the last several days and no one will help. They give me the run around and continue to ask for screen shots. I have lost over {$80.00} just in fees trying to transfer it out of the account. I have been refused transfer to another person, I have asked for a supervisor to call me back and they wont. They said that they don't even know if it's possible to have someone call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
An account was fraudulently opened in my name, I did not authorize this company nor did I give this company my consent to open an account in my name. Please delete off all three credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
Hi my name is XXXX XXXX and I noticed multiple inaccuracies reporting negatively in XX/XX/year>. I ask for immediate removal of these inaccuracies reporting negatively impacting my score on my credit report that do not belong to me. Im a victim of identity theft and these accounts are not mine.

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 2025-12-01 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: MO

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
On XX/XX/2025, I mailed XXXX XXXX XXXX a written Debt Validation request via XXXX, which was delivered and confirmed by tracking. I specifically requested validation of the alleged debt, including the original signed lease/contract, a full itemized accounting of the charges, proof of the collectors authority to collect, and documentation showing the chain of assignment. 

XXXX XXXX XXXX never provided ANY validation or documentation in response. 

Despite failing to validate the debt, the company verified this account with Experian. This violates FDCPA 809 ( b ), which requires all collection activity ( including credit reporting ) to stop until validation is provided. It also violates FCRA 623 ( a ) ( 1 ) ( A ) for furnishing information that can not be verified, and FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ) ( A ), which require unverifiable information to be deleted.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Complaint Unlawful Third-Party Disclosure by Debt Collector To Whom It May Concern : I am writing to file a complaint regarding unlawful debt-collection practices by a debt-collection agency, which contacted my parent about a debt belonging to me alone. The contact is not only inappropriate but also a violation of federal law and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and applicable California law. 
Details : - My name : XXXX XXXX - My account / card or creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX ] - Date ( s ) of third-party contact : XXXX XXXX XXXX XXXX  Nature of contact : The collector identified the debt, named the creditor, provided a link and phone number to collect the debt, and stated that this was an attempt to collect a debt. The collector directed this message to my parent, who is in no way associated with the account or the debt. 
- Why this is improper : Under FDCPA and California law, collectors may contact a third party only to obtain location information, not to disclose debt details or attempt collection. This contact goes well beyond location information. 
I request that the CFPB investigate this matter as a violation of the law. I believe I may be entitled to statutory damages under the applicable consumer-protection laws. 
Please let me know what further information or documentation you need from me. I have attached copies of the text message sent to my parent and any relevant account/collection-agency information. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX : On XXXX XXXX XXXX they contacted me personally via text, then also contacted my parent who is not on the credit card, did not co-sign and is not associated in any way to collect the debt. I am also not a minor. They disclosed the debt, that I owe debt, and along with that mentioned they were a debit collector and a link to pay off the debt through their portal. They sent the same message they sent me to my dad. This is extremely embarrassing, and not correct to do. I had to play it off as spam since my dad didn't even know this was an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
I am disputing the following items on my TransUnion credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I request verification and correction or removal of any inaccurate or unauthorized information. 

XXXX. Disputed Charged-Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5700.00} I dispute the accuracy of this account. Please provide documentation confirming that this account belongs to me and that the reported balance is correct. 

XXXX. Disputed Inquiries ( Unauthorized Credit Pulls ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these credit inquiries. I request TransUnion to investigate and remove any inquiries that were made without my consent. 

Please notify me in writing of the results of your investigation and confirm the removal or correction of any items that can not be verified.

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 2025-12-01 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-01 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive been trying to fix the issues on my credit report since XXXX, and Im really frustrated because nothing has been corrected. I followed the proper steps, sent my disputes to all three credit bureaus, and even provided supporting documents, but the same inaccurate information is still showing. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) The balance, dates, and payment history dont match anything Ive XXXX received or recognized, and they have not been able to verify it. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX ) This account also has incorrect and incomplete information, and it has not been verified. 
Ive been doing everything Im supposed to do, but the bureaus are not fixing or removing the information like theyre required to when something is inaccurate or can not be verified. Im just asking for a proper reinvestigation so these errors can finally be corrected. 
I would really appreciate the CFPBs help to get this resolved because Ive been dealing with this for months and I just want my credit report to be accurate.

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 2025-12-01 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: MS

Complaint narrative:
I am reviewing my Equifax credit report and am disputing the following items because they may be inaccurate, incomplete, or unverifiable. I request that Equifax conduct a thorough investigation under the FCRA to ensure the accuracy of all information. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify the details of these charged-off accounts, including balances, dates, and reporting accuracy.

Company response to consumer: Closed with explanation