vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'*** SEE ATTACHED IDENTIFICATION AND COPY OF CERTIFIED LETTER ***\nI am writing to file a formal complaint against Trans Union for their refusal to investigate disputed inaccurate and incomplete information on my credit report, in violation of the Fair Credit Reporting Act (FCRA).  On XXXX XXXX XXXX, I mailed a formal dispute letter to Trans Union via USPS Certified Mail (XXXX XXXX XXXX XXXX XXXX XXXX), requesting an investigation into the following inaccurately reported items on my credit report: Negative Accounts: Discover Card  Account Number: XXXX XXXX XXXX  Account Number: XXXX Issue: These accounts are inaccurately reported.  Unauthorized Inquiries: XXXX XXXX XXXX XXXX   Dated XXXX XXXX  Mutual of Omaha    Dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue: These inquiries were made without my authorization.  Phone Numbers: XXXX XXXX XXXX.  Issue: Inaccurate phone numbers reporting\nTo verify my identity, I included all required documentation with my dispute letter: A copy of notarized government-issued identification, and Social Security Card.  These documents fully complied with FCRA identity verification requirements.  Under the FCRA, Trans Union is required to investigate and respond to my dispute within thirty (30) days of receipt.  As of XXXX XXXX XXXX  Trans Union has failed to investigate and provide any response or acknowledgment of my dispute, which constitutes a direct violation of my consumer rights under federal law.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
As a Coinbase One member, I am entitled to zero trading fees on eligible transactions. However, I was charged a trading fee {$24.00} when I purchased {$1000.00} worth of USDC on XX/XX/year>. The transaction reference is XXXX. 

This charge should not have been applied, and I am requesting that the fee be refunded to my account immediately. I'm filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as this constitutes a violation of the stated Coinbase One membership benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX TX XXXX ACCOUNTS : 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  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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, AR XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: WA

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 WA XXXX ACCOUNTS : XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$12000.00}

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 2025-06-25 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I specifically requested, a second time, the accounts where payments were made without the usual ALERTS I receive whenever I use the card for payment. I am concerned that I may have payments to no longer used services. I requested the names of all of the automatic payments that are being made but was denied that request. I then asked why I can not be sent a payment alert when a payment was made, exactly the way I receive an alert every time a transaction was made on my credit card : e.g. XXXX. This is not a dispute process but want to know to whom I am paying. And while the transactions are on my paper and online account, this is a tedisous process as I use my card often and scanning through all of those transactions time-consuming and perhaps useless as the accounts paid may have some obscure name that I am not familiar with. Asimple request, just alert my every time my card is 'hit ' with a payment as I am getting alerts, I also would like the courtesy of the alert when payment made to a vendor. I WOULD MINIMALLY ACCEPT A LIST OF NAMES OF ACCOUNTS THAT ARE BEING PROCESS WITHOUT MY USING CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My Target XXXX was fraudulently used, seemingly in a different country, in early XXXX. XXXX worth of charges. I went through the fraud departments process, signed papers and submitted paperwork in a timely manner. They have told me they are just " behind '' due to " changing systems '' but we are nearly 90 days after the date of fraud with no end in site. They have been forcing me to make minimum payments on the card even though none of the balance is legitimate/belongs to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
TransUnion XXXX. XXXX XXXX XXXX PA XXXX XX/XX/XXXX Dear TransUnion, This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX - XXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late

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 2025-06-25 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: DC

Complaint narrative:
I am writing to formally dispute multiple inaccurate and unauthorized entries currently being reported on my credit file. These accounts involve unauthorized activity, unverifiable records, and serious violations of my rights under federal law.

Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ), you are prohibited from reporting or maintaining any data obtained without permissible purpose or my direct authorization. I am demanding you produce verifiable documentation containing my original signature or legally valid electronic signature that proves my authorization to report these inquiries and accounts. To date, no compliant validation or original proof has been provided by you or any furnisher.

The following items are being challenged : PERSONAL INFORMATION Incorrect Date of Birth : XX/XX/year> Incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX COLLECTIONS XXXX XXXX XXXX XXXXXXXX You are reporting these items without legally sufficient evidence. Allegations of debt or delinquency must be supported by full compliance with FCRA, Metro 2 reporting standards, and all applicable federal regulations. Reporting unverifiable or inaccurate information is a direct violation of my consumer rights.

I am demanding the following : A full reinvestigation of each disputed item.

Physical copies of original, signed contracts or legal instruments authorizing these reports.

Immediate deletion of any item that can not be fully verified with original, signed documentation.

If you fail to comply, I will have no choice but to escalate this matter through formal complaints with the CFPB, FTC, State Attorney General, and consider legal action for willful noncompliance and damages as provided under FCRA 616 and 617.

I expect your full response, including updated credit files reflecting deletions where appropriate, within the timeframe required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the collection account reported by National Credit Systems on behalf of XXXX XXXX in XXXX, Florida, as it appears on my credit report. 

My family and I resided at XXXX XXXX for XXXX years. When the third lease renewal approached, we elected not to renew, and this was clearly communicated via email to property management on XX/XX/XXXX, [ XXXX ]. Their acknowledgment of this notice was received on XX/XX/XXXX. We vacated the unit on XX/XX/XXXX, well before the lease end, and prior to our stated move-out deadline. 

Due to documented staffing shortages and delays, XXXX management did not conduct the move-out inspection until XXXX, which I have confirmed with other residents. Despite this, XXXX is attempting to charge me for a rental period during which I had no lease agreement and no legal or physical occupancy of the unit. 

I have attached the following documents as evidence : Copy of my email dated XX/XX/XXXX notifying intent not to renew lease. 
Managements acknowledgment email dated XX/XX/XXXX. 
Confirmation of my vacate date ( XX/XX/XXXX ). 
Statements from other residents confirming delayed inspections. 
This charge is inaccurate, misleading, and unverifiable, and I respectfully request : Immediate removal of the collection account from my credit report. 
Cease all collection efforts related to this debt. 
Written confirmation of account deletion and resolution. 
Please be advised that under the Fair Credit Reporting Act ( FCRA ), any item that can not be verified must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-25 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> - {$1500.00}

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 2025-06-25 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: NV

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter. CHARGE OFF : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation