vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-03 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint and demand immediate action regarding Experians failure to provide me with access to my updated credit report and score, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681g and 1681i. 

On XX/XX/year>, I contacted Experian by phone to dispute inaccurate and unknown addresses listed on my credit file. During this call, I confirmed with the representative that my current and correct address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX This address has also been confirmed as accurate and up-to-date by the creditors reporting to Experian. I provided my identifying documents during the dispute process, including a valid government-issued ID reflecting my correct address ( see attached for reference ). 

The representative assured me that my credit report would be updated and available within 24 hours. However, as of today, XX/XX/year>, I have been completely unable to access my updated credit report or credit score on both XXXX website and through XXXX. 

This delay is unacceptable and has already placed me at risk. The continued inaccessibility of my credit report is detrimental to my financial well-being, as inaccurate or fraudulent information may still be present and potentially affecting my credit standing.

Under the FCRA : I have the right to access my credit report annually and after any dispute ( 15 U.S. Code 1681g ).

I also have the right to a timely and accurate investigation and correction of disputed information ( 15 U.S. Code 1681i ).

By failing to provide access to my updated credit file in a timely manner and potentially continuing to report outdated or incorrect information, Experian is in breach of federal consumer protection law.

I am requesting that : 1. Immediate action be taken to provide me full access to my updated credit report and score.

2. Written confirmation be sent that my address has been updated and verified.

3. An explanation be provided for the delay and continued access issues.

If this matter is not resolved within 7 business days, I will be forced to escalate this complaint to the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

I expect a timely and thorough resolution to this matter. Please consider this letter formal notice of my intent to escalate if not addressed promptly. 

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 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Leviton Law Firm, Ltd.
State: WA

Complaint narrative:
I had dispute with XXXX XXXX XXXX regarding the audit charges and we filles the dispute as we can arrange the payments statements as we closed the account with pos company and collect agent from XXXX from leviton law firm collection agent not ready to listen anything and rude on call and threatening me for law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate or incomplete information reported on my credit file maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I recently obtained a copy of my credit report from your agency and have identified the following item ( s ) that I believe to be inaccurate and/or unverifiable : Disputed Item ( s ) : XXXX XXXX XXXX XXXX Account Number : XXXX  - Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. 


XXXX XXXX XXXX XXXX XXXX Account | Reported on XXXX XXXX, XXXX Balance {$550.00} Past due {$550.00} Account number XXXX - Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance {$420.00} Limit {$530.00} Account utilization : 78 % | Poor Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. Account was Hacked by scammers. 

XXXX XXXX XXXX XXXX Balance {$3200.00} Account charged off and closed. 
Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} Equifax Transunion Experian Account Status Closed Open Closed Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Last Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. 
Why does TransUnion say its open? 
XXXX XXXX XXXX Collection Closed {$980.00} Reported XX/XX/XXXX XXXX Balance {$980.00} Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. 
XXXX XXXX XXXX Collection Closed {$230.00} Reported XX/XX/XXXX XXXX  Balance {$230.00} Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. 


Under the FCRA, you are required to investigate and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days of receipt of this letter. Please initiate a reinvestigation of the above-referenced item ( s ) and provide me with a written response detailing the outcome of your investigation. 



If your investigation does not resolve the dispute, please include a statement in my credit file reflecting that I dispute the accuracy or completeness of the item. 

Please send confirmation of receipt of this letter and notify me in writing once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: WA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CO

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: CO

Complaint narrative:
I informed XXXX XXXX XXXX when they first sent me a bill, that I had been incarcerated by the XXXX XXXX XXXX XXXX, and that XXXX XXXX XXXX was responsible for my medical bills, I had paid a XXXX copay at the XXXX XXXX XXXX back in XX/XX/XXXX. I was sent XXXX XXXX from XXXX until the end of XX/XX/XXXX, in XXXX I was sent to the Infirmary at XXXX XXXX XXXX XXXX until I was parole on XXXX XX/XX/XXXX. 

XXXX XXXX XXXX was contacted when I first recieved a bill from XXXX XXXX XXXX, XXXX XXXX XXXX had me send them copies of they payment request. XXXX XXXX XXXX as well as the XXXX XXXX XXXX XXXX informed I should have never received any medical bills. That they and XXXX pay these medical expenses. 

XXXX XXXX XXXX, sent the bill collections. When I contacted the hospital billing they informed me all my medical expenses while I was incarcerated had been paid for by XXXX XXXX XXXX and later ones by XXXX XXXX. 

I have stage XXXX XXXX XXXX that was caught very late and the doctors told me it was very aggressive, I don't work and I don't receive any XXXX benefits. XXXX XXXX XXXX was informed to submit a request for an appeal if they had been denied reimbursement by XXXX XXXX XXXX. My bills from XXXX XXXX XXXX in XXXX show a XXXX balanced owed for all medical procedures performed at XXXX XXXX XXXX, XXXX. I haven't had any other medical procedures performed XXXX XXXX XXXX, XXXX since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Good evening I have been running a company for 18 +years and false allegations was spoken against me and company and contractor was treated horribly and disrespected This is not the first time that I had to deal with racial discrimination with this bank and I have reached out to a attorney Citizens bank XXXXXX/XX/XXXXOhio location XXXX XXXX The banker not only did not cash the check but kept the check I wrote to my contractor And said the company account has been flagged for suspicious reasons and that's A LIE! I need something done about this because its wrong how my company was spoken negatively about and my contractors mistreated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 Address : XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} 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 : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} Inquiries XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-03 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:
I found some inaccurate accounts on my credit report today and Im confused about how they got there. As part of my usual routine, I checked the report, but unlike previous times, I saw inconsistencies. I tried reloading the page to rule out any technical error, but the incorrect items were still visible. I kindly ask that the documents I submitted be carefully reviewed to resolve this issue and ease my concerns.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2025 a person named XXXX XXXX charged my credit card for a fight night showing. I disputed it as fraudulent on XX/XX/2025. On XX/XX/2025, Citi sent a letter asking me to prove I canceled the charge and provided me with the guy 's name and email and the XXXX order #. I told them that their letter proved I didn't make the charge since they provided the charge was made by XXXX XXXX and not me and not on my XXXX account. Citi stated that because I changed my story, they couldn't help. I never changed my story... it's been the same from day XXXX... it's a fraudulent charge. They refuse to help because XXXX wouldn't send them a refund. I have repeatedly asked them to provide a XXXX XXXX of my phone call with them so I can prove I never said it was a canceled charge. They now state it is automatically a billing dispute and not fraud because I have my own account with XXXX XXXX. Whether I have an account or not is irrelevant since the charge was not made on my XXXX account and it wasn't made by me.

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 2025-06-03 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: NY

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} Inquiries XXXX XXXX XXXX XXXX  : 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : mortgage loan account opened at XXXX XXXX XXXX XXXXXX/XX/year> account number XXXX XXXX XXXX  The account is showing late payment Experian and Equifax only which is being inconsistently reported among the XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
on XX/XX/year>, Coinbase locked me out of my account for absolutely no reason. The company then forced me into providing a litany of invasive biometric data, government identification, and forced me to take photographs holding signs and other government related documentation. Coinbase lied and claim once this security verification was complete that the account would be available for use. I was able to access the account, but then Coinbase Hijacked by bitcoin and refused to let me spend my funds. 

Additionally, The CFPB is fully aware that the current CEO of Coinbase was cheerleading for the destruction of the CPFB because Coinbase has received thousands of complaints against Coinbase for illegally seizing or restricting account holder funds. When I told Coinbase I would be filing a complaint with the CPFB, the company sent me an email telling me NOT TO file the complaint, and to deal with them directly. As of now, despite having the ability to log into the account, Coinbase has hijacked my crypto currency claiming it is for " security reasons '', which is a lie told my the company while it arbitrarily misappropriates digital funds belonging to their clients.

Company response to consumer: Closed with explanation