vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: NY

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX  Status : 90 Days Late / Past Due Balance : {$25.00} Violation Notes : inconsistent dates across bureaus, re-aging, inaccurate late history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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:
I am reaching out to dispute a late payment entry that does not align with my consistent payment history. This inaccuracy is causing considerable XXXX  and disrupting my peace of mind. I respectfully request an immediate correction to maintain the accuracy of my account records.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently just looked at my credit report Experian and Equifax XX/XX/XXXX and I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

Equifax Hard Inquiries : 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 XXXXExperian Hard Inquirie ( s ) : XXXX XXXX XXXX XXXX 

This inquiry has no permissible purpose to be on my report. Delete these hard inquiries due to violation of 15 USC 1681B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this update regarding a serious issue with my TransUnion credit report. 
A dispute was recently resolved for XXXX XXXX, resulting in the account balance being updated to {$0.00}. 
However, TransUnion subsequently re-added a large balance of {$2000.00} to the same account, which had previously been corrected. 
This action caused my credit score to drop XXXX points in a single day. 
This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits a consumer reporting agency from re-inserting previously deleted or corrected information into a credit file unless the furnisher of the information certifies that it is accurate. Even then, the consumer must be notified within five business days. In this case, the balance was re-added without proper certification or notification.

The timing of this error is especially harmful, as I am currently in the process of refinancing my home. The sudden drop in my credit score jeopardizes the approval and terms of my refinance, creating significant financial hardship.

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 2025-11-23 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: FL

Complaint narrative:
In XXXX a solar system was installed at my home by XXXX XXXX XXXX. Shortly after installation, the work caused a serious electrical defect that blocked a required exterior outlet and triggered HOA enforcement. From the beginning I repeatedly sought warranty/service from the installer and from XXXX, but I was told multiple times that XXXX  was not responsible and that I had to deal with the installer at my own cost. 

While trying to obtain service, I learned through the sales representative and my own due diligence that the installer had dissolved and was no longer operating. Despite this, XXXX continued to point me to inactive/incorrect partner contacts and gave changing explanations that the installer was formerly known as another entity, which was false. I later confirmed that funding occurred after the installer was already dissolved, meaning the underlying sales contract was void and unenforceable. 

Because XXXX and the installer refused to honor warranty obligations, I paid out-of-pocket for electricians/repairs. The defect was resolved by me, not by XXXX or the dissolved installer. 

On XX/XX/XXXX, after many months of unsuccessful attempts to obtain a lawful resolution, I opened a formal case with XXXX. On XX/XX/XXXX, I sent XXXX a certified Formal Notice of Fraud, Contract Nullity, and Demand for Rescission, requesting documentary proof of a valid contract with my signature, proof the installer existed and was authorized at funding, immediate rescission/nullity, removal of all credit tradelines, and permanent release of any UCC/fixture lien. The letter was delivered in early XX/XX/XXXX. XXXX did not cure the defects or provide the requested proof within the cure period and continued reporting/enforcing the account as valid. 

Instead of addressing contract nullity and credit/lien removal XXXX XXXX recently asked me to re-submit evidence already provided and attempted to shift the issue into a new warranty/service investigation, including proposing a site visit almost two years after denying responsibility. This ignores the core dispute : the loan is legally defective because it was funded through a dissolved/unauthorized installer and is being reported and enforced without a valid underlying contract. 

XXXX continued reporting of this disputed/invalid account has harmed my credit profile and financial capacity ( DTI ), and the UCC/fixture lien clouds my property title. I am seeking CFPB assistance because XXXX has refused to correct or delete inaccurate reporting and to release the lien despite extensive prior notice and documentation.

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: KY

Complaint narrative:
I have had my phone in wallet stolen in I have had multiple transactions unauthorized on multiple cards I am XXXX so I have my pin written very small on all my cards u sent them multiple evidence that I didn't authorize the purchases its alot of different ones my XXXX XXXX accounts was hacked in cashapp in also XXXX XXXX  all them accounts are linked together I told them all I wanted them investigated adequately they would deny in pay some of the unauthorized purchases that was done back to back then they just denied everything wouldn't listen to me they said someone would have to know it was money in there to use it I said they have all my info bank credentials was in my wallet they had my my phone pin is on the back of my card so cash app was just being very rude in just closed my account in denied all my disputes if left me in a bad situation I have two XXXX  kids I have to care for daily they wouldn't listen would just hang up they would not let me talk to a supervisor it's so many transactions I can't even type them all I am shaking now my cash app name is under my phone number also my XXXX XXXX XXXX account in when I just had to dispute unauthorized purchases with XXXX they also instantly restricted my account this isn't fair these institutions are violating cusumer laws I am suffering so much behind this in none of them even care a little bit to just properly investigate the situation I really need these looked into you have my permission to get all the info from the institutions that you need in I will fully cooperate with you all I just need help to see why these institutions are treating people the way that they are at the time when they are really victims its some bad people out there that's really making it hard for us good ones banks shouldn't be able to talk to people the way they do or no consumer period should be able to treat customers like they are criminals

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
CREDIT FREEZE REQUEST LETTER ( Security Freeze Under FCRA & State Law ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Credit Bureau Name XXXX XXXX XXXX XXXX  XXXX Innovis XXXX XXXX, XXXX XXXX XXXX  ) RE XXXX REQUEST FOR CREDIT FREEZE / SECURITY FREEZE To Whom It May Concern, I am writing to formally request a Security Freeze ( also known as a Credit Freeze ) on my consumer credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) and all applicable state laws. 

A credit freeze prevents unauthorized access, protects against fraud, and ensures that no new credit, loans, or services can be opened in my name without my direct authorization. 

Please place a full security freeze on my credit report immediately. 

INFORMATION TO VERIFY MY IDENTITY Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am enclosing a copy of my valid ID and proof of address ( drivers license, utility bill, lease, etc. ) to assist with verification. 

DO NOT RELEASE MY INFORMATION Under this freeze : Do NOT release my credit report Do NOT allow any new credit inquiries Do NOT allow any creditor, lender, collection agency, or third party to access or obtain my report Do NOT lift or modify this freeze without my direct, written authorization CONFIRMATION REQUIRED Please send me : A written confirmation that the freeze has been placed My unique PIN or password required to temporarily lift or remove the freeze Complete instructions for lifting or removing the freeze if necessary Send confirmation to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Disputes have been sent to Equifax and TransUnion both in XXXX and XXXX of XXXX. XXXX XXXX  is still appearing with derogatory information past the 7 year mark despite my efforts to make them aware. The first date of delinquency for this account was XX/XX/XXXX. I tried calling both credit reporting agencies in XX/XX/XXXX and was told to try contacting XXXX XXXX  to get authorization to have the item removed. When I called XXXX XXXX  they initially told me I did not have authorization to inquire on the account. I tried calling again and was told they could not give me any information, and I needed to contact the lender to which the loan was transferred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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 writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. 
As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX ) XXXX  XXXX XXXX DATE OPENED 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 2025-11-23 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My experienced date of birth is wrong. ( Show XXXX ) Equifax lists an address where I never lived, TransUnion lists and employer. that is not current and all 3 agencies are reporting a Tab/Sunbit, charge off that is inaccurate and unverified. They are also reporting unauthorized inquires from auto dealers i never authorized. I formally disputed these items and the agencies failed to correct them.

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 2025-11-23 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: TX

Complaint narrative:
My experienced date of birth is wrong. ( Show XXXX ) Equifax lists an address where I never lived, TransUnion lists and employer. that is not current and all 3 agencies are reporting a Tab/Sunbit, charge off that is inaccurate and unverified. They are also reporting unauthorized inquires from auto dealers i never authorized. I formally disputed these items and the agencies failed to correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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:
Equifax shows charge-off dates and delinquency codes being added AFTER the last activity date, which is legally impossible. 
Last Activity is XX/XX/XXXX, yet Equifax reports charge-off codes into XXXX, which means the account is being re-aged, a direct FCRA violation. 
XXXX XXXX has never supplied documentation proving ANY of these delinquency dates. 
All new delinquency entries after a charge-off are improper and misleading. 

Provide original account-level documentation proving : Date of first delinquency Date of last payment Actual charge-off date Complete payment history as it occurred, not system-generated aging If XXXX XXXX can not provide this documentation, Equifax must delete the account under FCRA 611 ( a ) ( 5 ).

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 2025-11-23 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: TX

Complaint narrative:
Equifax shows charge-off dates and delinquency codes being added AFTER the last activity date, which is legally impossible. 
Last Activity is XX/XX/XXXX, yet Equifax reports charge-off codes into XXXX, which means the account is being re-aged, a direct FCRA violation. 
XXXX XXXX has never supplied documentation proving ANY of these delinquency dates. 
All new delinquency entries after a charge-off are improper and misleading. 

Provide original account-level documentation proving : Date of first delinquency Date of last payment Actual charge-off date Complete payment history as it occurred, not system-generated aging If XXXX XXXX can not provide this documentation, Equifax must delete the account under FCRA 611 ( a ) ( 5 ).

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Fraud dispute, mishandled investigation, improper account closure, lack of disclosure, no appeal process My Coinbase Case Number : # XXXX To the Consumer Financial Protection Bureau : I am filing this complaint regarding Coinbases improper handling of my fraud report, their lack of transparency during the investigation process, and their subsequent retaliatory closure of my account immediately after I submitted evidence related to a large-scale cryptocurrency scam XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I believe Coinbase violated multiple consumer rights and failed to follow required dispute-handling procedures. 

XXXX. Coinbase mishandled my fraud report I reported that I was defrauded by an external platform ( XXXX ), and I provided Coinbase with extensive wallet and transaction evidence, including : My wallet addresses XXXX XXXX XXXX XXXX Scammer wallet addresses used by XXXX XXXX XXXX XXXX XXXX Transaction hashes involving stolen funds : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Instead of providing meaningful assistance or a transparent investigation, Coinbase responded with extremely generic template messages that did not address any of the evidence I submitted. 

Coinbase also failed to explain : Whether they reviewed the specific wallet addresses Whether they escalated to their XXXX XXXX Fraud teams Whether they filed XXXX ( as they are required under XXXX XXXX laws ) Whether the scam wallets interacted with Coinbase infrastructure This level of non-transparency violates basic consumer rights. 

XXXX. Coinbase abruptly terminated my account without a clear explanation After I submitted clear and detailed fraud evidence, Coinbase suddenly sent me a notice stating : They will no longer provide services to me I must withdraw all funds They can not explain their decision and will not provide further information They closed my account permanently This appears to be a retaliatory account closure, triggered by my attempt to report fraud. 

This violates multiple consumer protection principles : No explanation provided No chance to appeal No specific reason listed No due process Punitive action following a fraud report This behavior is highly concerning and carries the appearance of attempting to avoid liability or regulatory scrutiny. 

XXXX. Coinbase failed to follow required disclosure and dispute-handling procedures Under CFPB guidelines and U.S. consumer protection rules : A financial institution must provide a clear explanation of an account closure They must provide documentation of the investigation They can not penalize a consumer for reporting fraud They must offer a fair and transparent review process Coinbase violated all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: GA

Complaint narrative:
This is my formal complaint against the credit reporting agencies and the furnishers listed below for violating the Fair Credit Reporting Act ( FCRA ) by reporting false, inaccurate, and unverifiable information under my consumer file. Each of the following accounts is being reported without proper verification, without supporting documentation, and without any contractual evidence tying these debts to me. I am demanding immediate investigation and enforcement action for these violations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2300.00} | Date Opened : XX/XX/year> | Status : Collection This collection account is fraudulent and does not belong to me. I never received any notice, validation, or verification required under FDCPA 1692g. No contract, no proof of ownership, no chain-of-title documents exist linking this debt to me. Reporting a collection without validation is illegal, and under FCRA reinvestigation standards, this unverified item must be deleted immediately. 
I am requesting that the CFPB require the credit bureaus and furnishers to : 1. Provide full documentation proving these accounts belong to me ; OR 2. Permanently delete these inaccurate and unverifiable items ; AND 3. Confirm compliance in writing. 
These violations are ongoing and harming my creditworthiness. I request immediate enforcement action.

Company response to consumer: Closed with explanation