vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
I am a victim of identity theft from the Equifax data breach. And now I got unknown accounts that I don't have knowledge off reporting to my credit report and it's hendering my life I am very poor.

To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report as a result of identity theft. This letter serves as a request for immediate blocking under Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). 

I did not open, authorize, or benefit from the following account. This account was fraudulently created without my knowledge or consent. 

Fraudulent Account Information : Collection Agency : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Collection Date Opened : XX/XX/year> Reported Balance : {$1300.00} Under FCRA 605B, upon receipt of a valid identity theft report and proof of identity, you are legally required to block the reporting of this fraudulent information within four ( 4 ) business days. This information must not be reinvestigated prior to blocking. 

Enclosed with this correspondence are copies of my Identity Theft Report, proof of identity, and proof of address. Continued reporting of this account after receipt of this notice would constitute a violation of federal law. 

I demand the immediate blocking and permanent removal of this fraudulent account from my credit file and written confirmation once the block has been completed. 

Failure to comply will result in escalation of this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney General, and I will pursue all remedies available under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
This account is inaccurately reported under my name.

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 2025-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as 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 2025-12-21 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as 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 non-monetary relief
Consumer complaint received 2025-12-21 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: NV

Complaint narrative:
Complaint Details and Issue : I am filing this complaint regarding the inaccurate and unlawful reporting of a collection account associated with an alleged SmileDirectClub obligation that has already been removed once and has now been reinserted under a new collection agency, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This is not a new debt. It is the same alleged obligation previously reported and deleted, now re-appearing under a different furnisher name with a newly reported date opened of XX/XX/year>. This constitutes unlawful re-aging and recycled collection reporting. 

Violations Identified : Re-Aging Violation ( FCRA ) : The alleged debt is being made to appear newly delinquent despite originating years earlier. Changing the date opened to XXXX unlawfully extends the reporting period. 
Duplicate / Recycled Collection Reporting : The same alleged obligation has been reported under multiple collectors after prior deletion, without any new validation or documentation.

Failure to Validate ( FCRA 611 ) : Neither the credit bureau nor the collector has provided : A signed contract Chain of title / assignment agreement Billing statements Date of first delinquency Inaccurate and Misleading Reporting ( FCRA 607 ) : Reporting a previously deleted debt under a new furnisher name misrepresents the age, status, and legitimacy of the obligation.

Identity Theft / Unauthorized Reporting : This debt has been disputed as unauthorized and is now included in an FTC Identity Theft Report. Continued reporting violates FCRA 605B.

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 2025-12-21 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
A data breach occurred causing my personal and private information to be sold to outside organizations fraudulently and against my will. Thieves illegally obtained my data for personal gain.

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 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
Someone stole my card info when my XXXX was hacked they messaged my brother and told him to send the code because I was locked out of XXXX and without thinking he sent the code they hijacked both are accounts changed everything and I had my cash app card linked to my XXXX for buying on market place. Anyway I lost a XXXX dollars due to negligence because with cash apps lack of security all u have to do is have card number don't even have to have my pin to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
In XXXX of 2023 my Coinbase account was hacked. I received a notification that transfers were being made and I immediately locked my account and contacted Coinbase support. At the time I was paying a Coinbase XXXX membership which covers up to $ XXXX in fraud. After several months of Coinbase spinning me, I did a charge back for a small fraction of the money stolen. I got {$830.00} back from my bank. Coinbase then retaliated by freezing my account, un-staking my remaining crypto, and withdrawing it, without my knowledge or consent, and I was unable to do anything about it. This is Computer fraud / unauthorized access, deceptive business practices, Conversion/ theft of property, false or deceptive advertising, retaliation for lawful chargebacks, breach of contract. I have every document clearly documented, with dates, times, their responses etc. I have yet to recover my funds or get an explanation from Coinbase on why they did what they did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-12-21 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-12-21 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: Global Lending Services LLC
State: TX

Complaint narrative:
In XXXX XXXX XXXX experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information. I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus. I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Nelnet, Inc.
State: TX

Complaint narrative:
In XXXX XXXX XXXX experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information. I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus. I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OR

Complaint narrative:
Complaint Against U.S. Bank ReliaCard I am filing this complaint because U.S. Bank denied my claim for unauthorized transactions on my ReliaCard account during the COVID period. 
Disputed transactions : XXXX Denial reason : I was told I benefited from the funds, which is false. I did not authorize these transactions, nor did I receive goods, services, or money from them. 
Under the Electronic Fund Transfer Act and Regulation E, U.S. Bank is required to investigate claims of unauthorized transactions and provide the consumer with a written explanation and copies of the evidence they relied upon in denying the claim. Despite my request, they have not provided adequate documentation or proof to support their denial. 
I am requesting that the CFPB require U.S. Bank to : Provide me with the written explanation and evidence used to deny my claim. 
Properly credit my account for the unauthorized transactions in accordance with Regulation E.

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 2025-12-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting late payments and derogatory information on an auto loan account that they admit is missing proof of ownership and lien perfection, making the account legally unverifiable. 

XXXX XXXX has confirmed in writing that they have not received the Certificate of Title and are not recorded as first lien holder on my auto loan. Despite this admission, XXXX XXXX continues to report the account including late payments and derogatory history as accurate. 

These statements are contradictory. An account can not be both missing lien/title documentation and fully verified.

Because the security interest was never perfected, the account is incomplete under UCC Article 9 and can not be verified in full. Reporting late payments and delinquency on an unverifiable account violates : FCRA 623 ( a ) ( 1 ) prohibition on reporting incomplete or inaccurate information FCRA 623 ( a ) ( 8 ) failure to conduct a reasonable investigation FCRA 611 ( a ) ( 5 ) ( A ) unverifiable information must be deleted XXXX XXXX partially updated the account status but failed to remove late payments, which is legally insufficient. A partial verification is not permitted under established FCRA case law.

Company response to consumer: Closed with explanation