vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
I am sending to formally dispute multiple inaccuracies, incomplete information, and unauthorized inquiries that currently appear on my Experian, Equifax, and TransUnion credit reports. I have spent substantial time reviewing my credit files in detail, and I have identified several entries that are incorrect, outdated, unverifiable, or inaccurately reported. These errors have caused unnecessary distress and have the potential to significantly impact my financial stability, credit opportunities, and overall quality of life. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to dispute inaccurate information and to request a full and thorough reinvestigation of each items listed below. I expect all information to be verified using original, creditor-level documentation, as required by federal law. Any item that can not be verified, confirmed, or substantiated must be permanently deleted. 

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 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 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

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 2025-11-26 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:
These accounts are not mine wish to be removed from my credit reports XXXX XX/XX/XXXX balance. XXXX date open. XX/XX/XXXX, XXXX XXXX, account # XXXX, balance XXXX date open XX/XX/XXXX 2025

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 2025-11-26 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX - XXXX INQUIRIES : XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XX/XX/XXXX - XX/XX/year>

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 2025-11-26 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: IA

Complaint narrative:
There fraudulent accounts reporting to my credit profile

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 2025-11-26 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: IA

Complaint narrative:
There fraudulent accounts reporting to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Phone : XXXX Email : XXXX To the Consumer Financial Protection Bureau, I am submitting this complaint because ChexSystems is reporting accounts that were opened in my name without my authorization. I provided ChexSystems with my identity theft report and supporting documents, but the incorrect entries remain. I am requesting that the CFPB require ChexSystems to remove this information from my file. 

Accounts That Must Be Deleted XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, RI XXXX Account Number : XXXX Total Amount : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX Account Number : XXXX Total Amount : {$3200.00} These accounts were not created, used, or authorized by me in any way. I have already submitted the documentation confirming this. I am asking the CFPB to ensure these entries are deleted so my record accurately reflects my information.

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 2025-11-26 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: MS

Complaint narrative:
The account listed is inaccurate and should not be 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing a collection account from Midland Credit Management that is appearing on my XXXX  credit report. The account number is XXXX with an alleged balance of {$1000.00}. The original creditor is listed as XXXX XXXX I have never received ANY written notice, communication, validation letter, or explanation about this debt from Midland before they placed it on my credit report.

Midland never sent me the legally required initial notice within 5 days of first attempting to collect, which violates 15 U.S.C. 1692g ( a ) of the FDCPA. I was never notified of this debt, never told I had a right to dispute it, and never given any chance to request validation. 

I do not recognize this debt. I do not know XXXXXXXX XXXX and I have never been sent proof or documentation showing this debt is mine. Midland reported it directly to XXXX without ANY prior communication. 

I disputed this account with XXXX. Midland verified it, but they did not send me ANY supporting documentation such as a signed contract, original statements, proof of ownership, or chain of custody. XXXX accepted the verification without seeing any actual evidence. This is improper verification under the Fair Credit Reporting Act ( FCRA ). 

Midland has updated and modified the reporting multiple times ( status updated, balance updated, collection months shown ), yet I still have not received a single letter or validation notice from them. This is inaccurate, incomplete reporting that is harming my credit. 

I am requesting CFPB intervention because Midland failed to send required notice, failed to validate the alleged debt, and verified information to XXXX without providing documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My Coinbase trading restrictions began abruptly in XX/XX/year>, and for over XXXX months, I have been unable to get any explanation or resolution from Coinbase. My ability to purchase crypto, use deposit services, or add new payment methods was removed without warning or notice. 

Prior to the restriction, I had an automatic daily XXXX purchase of {$10.00} per day, which I set up as a long-term dollar-cost averaging strategy. Because my account was restricted without explanation, these purchases stopped. As a result, I have missed out on significant gains during major market increases throughout 2025. This has caused direct financial harm. 

Since XXXX, I have contacted Coinbase support multiple times seeking clarification. I specifically asked for : The reason my trading access was removed What activity or policy violation was allegedly triggered Whether any documents or verification could restore access Escalation to a XX/XX/XXXX XXXX or XX/XX/XXXX Each time, Coinbase refused to provide any explanation. I received only scripted responses stating the decision was final, irrevocable, and that no appeal or further review was possible. They also refused to escalate my case despite repeated requests. 

I have not been informed of any suspicious activity or violations. I rely on the ability to trade and purchase crypto for legitimate financial purposes, including my ongoing XXXX investment plan. I have repeatedly stated I am willing to provide any necessary documentation or identity verification. Coinbase has given me no path forward. 

I am requesting CFPB assistance to obtain : XXXX. A clear explanation for why my account was restricted XXXX. A manual compliance review by Coinbase XXXX. Information on what steps, if any, can restore full trading and purchasing functionality XXXX. Clarification on why no notice, warning, or opportunity to resolve the issue was ever provided Coinbases refusal to disclose the reason for the restriction or offer any avenue for resolution has left this issue unresolved for more than half a year, while causing financial loss due to missedXX/XX/XXXX / crypto purchases during a period of market appreciation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
Subject : Citibank failed to send required fraud-verification letters, provided inconsistent information, falsely claimed phone contact, and closed case without resolving blocked account access. 
I am submitting a follow-up complaint because Citibank did not resolve my original complaint regarding a fraudulent account block and failure to provide the required verification instructions. 

XXXX. Citibank claims they mailed XXXX letters that I never received. I requested the tracking number and they said for security reasons they can't provide it. I requested a copy of that letter and they didn't respond. There is no tracking, no proof of mailing, and when I requested which exact department or mailing channel was used, Citi refused to provide that information. 

XXXX. Citi falsely claimed they called me. 
Citibank states they attempted to contact me on XX/XX/year>, but : I received no call, no voicemail. 

XXXX. Citi refuses to give me instructions to complete verification I repeatedly asked Citi to confirm : which extension I must call for verification, and how to collect call and they didn't reply. What specific information they need. They did not answer these questions. Instead, they only repeat that I must follow instructions in the letter, even though I never received the letter, XXXX. Citi closed my case without solving the problem On XX/XX/year>, Citibank declared the matter resolved and said they will no longer respondeven though : My account remains blocked, I can not access my funds, I never received the instructions required to verify my identity, They provided conflicting explanations across multiple responses. 

XXXX. My funds remain inaccessible through no fault of my own Citibank blocked my account, claims I must complete verification, but refuses to provide me with the required verification letter or instructions. The banks internal inconsistencies are preventing me from completing the process and accessing my own funds. 

I request that the CFPB require Citibank to : Provide the fraud-verification instructions through email or secure message as they did in XXXX for XXXX. 
Clearly identify which department is responsible for verification and provide a direct contact number. 
Explain and document when and how each letter was mailed and why they were never delivered. 
Explain why inconsistent information was provided, including sending another fraud letter XX/XX/XXXX days later. 
Investigate the false claim of attempted phone contact. 
Restore my access to my account and release my funds.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally address the sudden and unexplained closure of my cash account by Robinhood Financial LLC. I have been a customer of Robinhood for over XXXX years, and during that time I have maintained my account responsibly and in good standing.

Robinhood elected to close my cash account after I declined to enroll in their XXXX subscription or accept their credit card offer, and after I chose not to participate in their managed investment services. I have always preferred to manage my own account and investment decisions, and I exercised my right to decline optional products. Despite this, my account was restricted and ultimately closed without any clear explanation or advance notice. 

No detailed notification or justification was provided regarding the basis for this closure. This lack of transparency has left me feeling that I have been treated unfairly and without due process. As a long-term customerand even an author who has written a guidebook on how to use XXXX XXXX am deeply concerned by the way this matter was handled. 

This action has caused emotional distress and confusion, and I believe it may represent an unfair business practice. I respectfully request that the CFPB investigate the circumstances surrounding the closure of my account and ensure that my rights as a consumer are protected. 

Thank you for your time and attention. I am prepared to provide any additional documentation or account details necessary to support this complaint. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX  ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX  XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$3800.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX  XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$3800.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NV

Complaint narrative:
I have contacted the credit bureau 's relating to the acount on my credit report.the creditor verified as accurate this acount is still showing on my credit reports the acount from creditor is reporting this acount with an address that has already been removed from my credit reports due to my fraud alerts on my credit reports the credit bureaus need to remove this account from my reports giving they are reporting this account under the fraud address that was removed from my reports this account is from 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