vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
In XX/XX/year> I discovered that several tradelines and hard inquiries were being reported under an incorrect identity and with inaccurate balances. After sending disputes to the credit bureaus, the information remains unchanged. 

The reporting and reinvestigation failures violate multiple provisions of the Fair Credit Reporting Actincluding 15 U.S.C. 1681b, 1681e, 1681i, 1681s-2 ( b ), and 1681nwhich require accuracy, verification, and permissible use of my credit data. Some furnishers have also continued to report information they know or should know is inaccurate, contrary to FCRA 623 ( a ) ( 1 ) ( A ). 

I have also received collection communications without proper validation, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c and 1692g ). Certain creditors failed to credit or post payments correctly as required by 15 U.S.C. 1666b under the Truth in Lending Act.

Because these accounts are linked to the wrong identifying name and have been re-verified without evidence, they are unverifiable within the meaning of 15 U.S.C. 1681i. Under 1681c-2 and XXXX Statutes 501.0051 and 817.568, I am requesting that the inaccurate and misattributed information be blocked and removed. 

I am currently working with a credit-restoration company on verified repayment arrangements, and the furnishers have agreed to update my reports to reflect deletion upon satisfaction of those terms. Despite that, the items remain. I am asking the CFPB to ensure compliance with the FCRA, FDCPA, and TILA provisions cited above. Supporting documentsincluding dispute tables, bureau responses, and payment agreementsare attached.

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 2025-10-25 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-25 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Email Address ] ( optional ) [ Phone Number ] ( optional ) Date : XX/XX/2025 To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Address Removal / Correction Dear Experian Dispute Department, I am writing to formally request the removal of the following addresses from my credit file, as they are inaccurate or no longer associated with me : 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 XXXXXXXX I have enclosed supporting documentation to confirm my current address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and request that the above inaccurate addresses be removed from my credit file. 

I would appreciate receiving written confirmation once this correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, 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
Consumer complaint received 2025-10-25 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: GA

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I am submitting this complaint because I am a documented victim of identity theft, and my personal information was used without my consent to create or access an account on Coinbase.com. Fraudulent activity occurred under my stolen identity that resulted in financial losses for Coinbase. Although I had no involvement in these transactions, Coinbase has continued attempting to hold me responsible and has threatened legal action against me. 

This case is part of a broader identity theft situation I am dealing with. Earlier this year, someone fraudulently opened a XXXX XXXX  credit card in my name without my authorization. I have had to report and dispute that separate incident as well, further proving that my personal data has been compromised and misused by criminals. It is highly likely that the same identity theft responsible for the unauthorized XXXXXXXX XXXX XXXX is also what enabled the fraudulent activities on Coinbase. 

Despite my attempts to notify Coinbase that I am the victim in this situation, their ongoing attempts to pursue legal action and collection efforts have become stressful, intimidating, and unjust. I should not be targeted or penalized for actions that were carried out by someone who stole my identity. Coinbase is a very unprofessional company and as I did more research on them, there countless of other customers who are unsatisfied with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NV

Complaint narrative:
Formal Complaint Against IQ Data for Failure to Validate Debt To Whom It May Concern, I am filing this complaint against IQ Data International , Inc. for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by failing to properly validate a debt they are attempting to collect and/or report to the credit bureaus. 

On XX/XX/year>, I submitted a written request for debt validation to IQ Data after noticing a collection account they reported on my credit file. According to 15 U.S.C. 1692g ( b ) of the FDCPA, a debt collector must cease collection activity and provide verification of the debt once a consumer disputes and requests validation. Despite this legal obligation, IQ Data failed to provide any legitimate proof of the debt such as a signed contract, itemized statement, or documentation showing I am legally responsible.

Additionally, the company continues to report this unverifiable account to the credit bureaus, which constitutes a violation of 15 U.S.C. 1681s-2 ( b ) under the FCRA, as they are required to ensure the accuracy of all information they furnish to the credit reporting agencies.

I am requesting that the CFPB investigate IQ Datas actions and require them to : Provide full validation of the alleged debt with proper supporting documentation, or Immediately remove the account from all credit reports if validation can not be provided.

Please find attached copies of my dispute letter ( s ), any correspondence from IQ Data, and relevant credit report entries for reference.

Thank you for your attention to this matter. I respectfully request that appropriate action be taken to ensure my consumer rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
I have no knowledge of this company that has my information. 
I never signed a contract with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
My chime account was charged {$100.00} by stamps.com. I had recieved notifications from chime multiple times where there was a charge from this company that was declined and asked if I recognized it. I did not. I reported i did not. I kept my card locked as advised by chime. This time, despite my card being locked the charge was allowed to go through. XXXX was not of any help and chime denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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:
I submitted detailed dispute letters to Experian regarding several inaccurate accounts being reported on my credit file. Along with my dispute, I included an official Identity Theft Report, a copy of my drivers license, and proof of address to fully verify my identity and support my claim. Despite providing these valid documents, Experian has continued to report the same inaccurate and fraudulent accounts on my file without any correction or removal. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), as Experian failed to properly investigate and take action based on the evidence I provided. Their inaction has caused ongoing damage to my credit profile and financial well-being.

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 2025-10-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I dispute a atm error which the atm said error and still took money from my account so I disputed the transaction and waited then I got a email saying they ruled in my favor and ima get a refund well the refund was only for XXXX cents so I been contacting them and they keep hanging up on me and when I talk to manger he giving me generic messages and wont respond at all I been dealing with this for awhile and still cant get them to resolve it. ( MY CASH APP ACCOUNT EMAIL IS ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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 noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-25 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: TX

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions. They have lack of compliance, including insufficient anti-money laundering ( AML ) protocols, failures in handling fraud and unauthorized transactions, and sending unsolicited text messages. Cash App lacked sufficient protocols to flag illicit transactions, which violated the Bank Secrecy Act. As well as Cash App misleading users with its terms of service, which suggested that linked banks were responsible for disputes, allowing the company to avoid its legal obligation to investigate them. Cash App provided poor customer service, including having a customer support phone number that did not connect to live support for many years. They also send promotional and referral text messages to users without their consent, violating the Telephone Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: WA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: KY

Complaint narrative:
The entry does not reflect my payment reliability and is incorrect. I request immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: KY

Complaint narrative:
These accounts were not opened or authorized by me and appear to be fraudulent. Please remove them immediately and investigate. Documentation is enclosed.

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 2025-10-25 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: FL

Complaint narrative:
Equifax isnt reporting my account balances correctly & removed XXXX of my accounts which dropped my overall credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$600.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-10-25 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief