vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit reports this morning. I refreshed my browser and nothing changed. I need the documents I submitted to be carefully reviewed immediately so I can stop stressing about this ongoing 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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
This account does not belong to me. The account is with Affirm and account number XXXX and XXXX opened on or about 2021 and contains transactions and balances I did not authorize. I did not open, authorize, or use this account and consider it the result of identity theft. I have filed an identity theft report with the Federal Trade Commission ( Identity Theft Report/ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-20 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I had a XXXX and was unable to pay the mortgage. The bank agreed to a loan modification. I get {$2000.00} from XXXX but the amount due XXXX is {$2500.00}.. I am not in a position to get {$500.00} or any other money at this time. I was in the hospital on Friday because the XXXX will not go down. My kids are not in the home now. Just me and my sister. 
Where can I turn to for this help? Thank you XXXX XXXX XXXX XXXX XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: AZ

Complaint narrative:
I went to access my direct Express card on the XXXX to pay my land payment and buy food was denied at the store tried calling them and was told my account had fraudulent activity when my card had never left my possession they sent me a replacement card XXXX  days prior that I never received or asked for now my account is locked it took me XXXX days to receive a new card from them and they are making me jump through XXXX XXXX hoops to get this card activated I have been trying for XXXX days emailed them a picture of my ID as they requested and they could not find it in their system be at XXXX of their own people telling me this have tried numerous times to call them and I am on hold for anywhere from XXXX to XXXX hours I have XXXX XXXX XXXXXXXX and several other conditions this XXXX  from this is causing me to go into a breakdown I have a XXXX child in the home that I am not able to properly provide for due to this company I need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Purchased leased XXXX  XXXX XXXX from XXXXXXXX XXXX XXXX Lease agreement was on salesperson tablet. Was told copy would be emailed to me. That was XXXX months ago. Dealer says Santander holds the lease. Called them 4 times ; same promise ; lease will be emailed along with a mailed hard copy. Never arrived. Called today XX/XX/2025 @ XXXX XXXX Waited 20 minutes twice, sales person answers, then disconnects me. 
What is going on with a simple request for a lease. I get monthly billing online no problem. There is corruption here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-20 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: AZ

Complaint narrative:
I have reviewed my credit repoet and found these unverified items. Please remove, update or correct these 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 2025-10-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 explanation
Consumer complaint received 2025-10-20 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:
I am writing to dispute the accuracy of the information provided by the furnisher regarding the accounts in question. Specifically, I am referring to the following accounts : Account Name : XXXX XXXXXXXX XXXX Account no : XXXX Date opened : XX/XX/XXXX This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. Please provide proof that your description belongs on my report, otherwise DELETE this account immediately. 

Account Name : XXXX XXXX ( XXXX : XXXX XXXX XXXX ) Account no : XXXX Date opened : XX/XX/XXXX Balance : {$1900.00} This account has been paid before it went to the collection, please delete this immediately. I dont have any contractual agreement from this company and I am unfamiliar. 

Account Name : XXXX XXXX XXXX ( XXXX : XXXX XXXX ) Account no : XXXX Date opened : XX/XX/XXXX Balance : {$610.00} This account has been paid before it went to the collection, please delete this immediately. I dont have any contractual agreement from this company and I am unfamiliar.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: CO

Complaint narrative:
I tried calling in to NetSpend on XX/XX/XXXX, when on hold I get getting an, " application error good bye. '' Message and the phone would disconnect.

Please close my account.

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 2025-10-20 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2025-10-20 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: DE

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
As indicated in subpoenaed results included in attached, USAA provided proceeds intended for XXXX parties ( XXXX XXXX XXXX and XXXX XXXX XXXX ) and legal owners to be awarded to only XXXX party ( XXXX XXXX XXXX, member number XXXX ). 

USAA withheld the money from XXXX XXXX XXXX ( a/k/a XXXX XXXX ) though she was a legal owner and it was the original intent of USAA to provide this to XXXX XXXX initially. 
This occurred between the dates of XXXX and XXXX. USAA failed to report the theft of proceeds to appropriate authorities as delineated by S.C. law. The files are too large to upload, but they are the results of a subpoena to USAA. 

USAA dishonestly represented the " police '' report, indicating that a criminal investigation was done when it was NOT ever done. Their subrogation atty ( XXXX XXXX ) is currently under investigation by his disciplinary board for his role in this fraud. 

According to the subject matter expert ( CPA, XXXX ), this is/was definitional fraud, theft, and likely forgery by XXXX XXXX XXXX and XXXX XXXX ( aka XXXX XXXX XXXX ) Additionally, a financial report obtained by an investigator indicated that XXXX XXXX was in dire financial condition at the time of the fire and began to pay off loans as soon as proceeds from fire were received ; USAA had knowledge of this suspicious behavior ( as termed by a chair of the XXXX ) , yet did NOT report it or communicate with law enforcement at all.

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Complainant XXXX XXXXXXXX XXXX XXXX Email XXXX XXXXXXXX Company Complained About : Coinbase Global , Inc. 
Account Type XXXX XXXX XXXXXXXX XXXX Account ( Derivatives/ Perpetuals/ Margin ) Date of Incident ( XXXX ) : Ongoing most recently XXXX XXXX XXXX I am filing this complaint against Coinbase Global , Inc. for persistent technical failures and operational negligence that have repeatedly caused me direct financial loss. 

While Coinbase is attempting to attribute its most recent outage ( XXXX XXXX XXXX ) to a XXXX-party XXXX issue, that explanation is misleading and incomplete. These platform failures have been ongoing for months and occur specifically when trading on XXXX derivatives, perpetual, or margin platform not when trading spot assets. 

Each time I engage in leveraged or futures trading on Coinbase, the following consistent issues occur : XXXX. The app freezes or lags immediately after placing or adjusting a margin order. 
XXXX. Prices stop updating in real time, preventing proper risk management. 
XXXX. The system rejects or delays exit orders, resulting in forced liquidations and missed profits. 
XXXX. These problems do not occur when trading normal ( spot ) assets under the same network conditions and device setup. 

Because of these repeated failures, I have suffered significant monetary losses from trades that could not be closed or adjusted on time due to XXXX technical breakdowns. These losses are a direct result of XXXX failure to maintain a functioning and fair derivatives platform. 

XXXX repeated pattern freezing only during leveraged trading and blaming unrelated service providers like XXXX demonstrates a systemic reliability and fairness problem that harms retail users like me. The platforms advertising of secure, reliable, and professional-grade trading infrastructure is misleading when these failures occur consistently during high-risk trades. 

These actions constitute negligence, unfair and deceptive practices, and a violation of consumer protection standards under the XXXX XXXX XXXX XXXX. 


Supporting Evidence ( available upon request ) Screenshots and screen recordings showing freezing during open derivative trades. 
Proof of failed exit orders and liquidation notices tied to system failures. 
Documentation of monetary losses corresponding with Coinbase outages. 
Public reports confirming widespread, identical issues among other derivatives traders. 

Kindest regards, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 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:
After thoroughly reviewing my credit report, I discovered a fraudulent account that I did not authorize or initiate. I demand its immediate and unconditional removal from my record.

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 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a hard inquiry listed on my transunion credit report from your organization. I did not authorize a credit application or grant permission for your company ( XXXX XXXX ) to access my credit report on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX. I request that you provide documentation of my authorization for this inquiry. If no such documentation exists, I respectfully request that this inquiry be removed from my credit file immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-10-20 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-20 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: NM

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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

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