vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Coinbase regarding unauthorized and unfair subscription charges. 
Coinbase charged me {$29.00} per month for two consecutive months for a subscription I did not knowingly authorize or use.

I did not use any of the subscription benefits during either month.

Coinbases published policy states that if a customer spends under {$100.00} on a subscription, t

hey may be eligible for a refund. My spending during this period was {$0.00}, which should make me eligible for a refund of both charges.

Instead, Coinbase only refunded one month ( {$29.00} ), citing a one-month refund limit that directly conflicts with their {$100.00} unused-spend policy. 

During a live chat with a Coinbase manager identified as XXXX  XXXX, I specifically raised this contradiction. Despite pointing out their own written policy, Coinbase refused to refund the second month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$430.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal, has violated my rights. 

I looked at my credit bureau EXPERIAN credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
It is my understanding that as per consumer laws and IRS regulations, a creditor must issue a Form 1099-C when a debt of {$600.00} or more is forgiven or canceled. The issuance of this form indicates that the debt has been fully discharged and is no longer collectible. Once these institutions charged off and closed the accounts they never provided this form to me or notified me of the account being charged off and closed. 

Institutions- Barclays Bank XXXX ACCT # XXXX Synchrony Bank XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX- ACCT XXXX XXXX SS # 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 2025-08-15 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.

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT \ {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-15 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: EQUIFAX, INC.

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT \ {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The collection agent sent my personal information to my step daughter email someone I haven't communicated with in 10 years they sent her copy of my bill which included my mail address and phone number when spoke with the agency the young lady said they did a skip trace so anyone that I was assisted they email them I don't have my step daughter as contact personal I don't know why they need to send information to her I file bankruptcy on this account in 2021 and was discharged

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I had XXXX  work done in Florida last year. The work was not completed. I requested a partial refund. They gave a very low amount considering the work not done and quality. 
I was told to contact the XXXX. When I did I received a response that outlines the value of the work done and what I was " charged '' with discount and credit given. 
The ledger XXXX  had provided does not match the email, pricing on the website and photographs of my mouth that prove work not completed that was claimed. Additionally my XXXX  has stated that the crowns were placed incorrectly and would need to be removed and replaced likely damaged teeth. 
XXXX XXXX XXXX has ignored my request to prove they sent the amount claimed to the dentist and correct charges that are clearly incorrect. I have provided XXXX points of evidence 1. The email from dentist. 2. Screenshot of the website with price list that can be verified by anyone. 3. Photos of my mouth proving what is not there. 
The only thing that states I owe this amount is a false ledger that could have been created by anyone or simply has errors. Either way XXXX XXXX XXXX are benefiting from excessive fees and padded bill. I feel I am being extorted. 
The CFPB has failed to make them accountable and would like guidance on where to go for assistance. Credit lawyers mostly focus on reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NY

Complaint narrative:
On XX/XX/year>, I submitted a valid identity theft dispute to Equifax with an FTC Identity Theft Report, government-issued ID, and proof of address. I demanded permanent deletion of 8 fraudulent accounts, 5 unauthorized hard inquiries, and 1 fraudulent address under FCRA 605B.

Equifax deleted the items but later unlawfully reinserted them without : Furnisher certification of accuracy ( FCRA 611 ( a ) ( 5 ) ( B ) ( i ) ) 5-business-day prior written notice to me ( FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) ) The reinserted items include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX and an unauthorized XXXX address. 

These actions violate FCRA 605B ( e ), 611 ( a ) ( 5 ) ( B ), and 623 ( a ) ( 6 ) * *, and have caused credit denials, score damage, and emotional distress.

I request CFPB intervention to compel permanent deletion, application of Metro 2 XB code, and written assurance against reinsertion, plus damages for willful noncompliance under 15 U.S.C. 1681n & 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I contacted to explain that i have tried calling multiple times to let them know that the previous reps told me someone signed a lease to a property in South Carolina which i have never lived in that state. The rep mocked me and tried saying that i should be responsible and own up to it since it is mine and continuously gave me attitude and put me on hold. I asked to talk to supervisor i again tried to explain to the supervisor the issue and kept getting cut off and told to have a good day and they hung up on me. This has been ongoing for some time and i need this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, I opened a bank account with Truist earlier this year ( 2025 ). In addition to personal transactions, I used the account to receive money for a family reunion where I handled payments to the hotel venue. The account was suddenly flagged for fraudulent activity and requested that I needed to visit a bank branch in person to verify the account. The closest Truist Bank branch is ~1 hour away from me and was not convenient to verify in person. I was not provided the opportunity to provide verification documents online or via telephone. Due to me not verifying the account, it was closed. In addition to closing the account, my XXXX account through my mobile number was blocked. It is now blocked from being used at other institutions. Now that I am no longer banking with Truist, I should be allowed to enroll in XXXX through other institutions with my mobile number but Truist Bank has informed me it is permanently blocked, won't tell me why, and won't give me any opportunity to verify my identity to unblock.

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 2025-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX - FCRA Violations To Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX XXXX due to multiple violations of the Fair Credit Reporting Act ( FCRA ) that has caused financial and reputational damage. 
- The charged-off account is reported with inconsistent balances across credit bureaus ( {$11000.00} vs {$0.00} ). 
- There are unresolved dispute remarks stating " customer disagrees, '' despite prior dispute efforts. 
- Payment history is missing. 
- The Date of First Delinquency ( DOFD ) is not shown. 

These issues violate FCRA XXXX ( c ), XXXX ( b ), and reporting standards under XXXX XXXX. I demand full deletion or correction of this account immediately. 
Sincerely, XXXX XXXX XXXX - Inconsistent Reporting To Whom It May Concern, I am reporting XXXX for furnishing inconsistent and misleading account information across credit bureaus. 

- TransUnion reports the account as 60 days late with a {$720.00} balance. 
- Experian shows the account as current with a {$600.00} balance.

- Payment amounts ( {$150.00} vs {$100.00} ) and last payment dates do not match.

These errors violate FCRA 623 ( a ) ( 1 ) ( A ). This conflicting data has damaged my creditworthiness. I demand this account be corrected or deleted from all reports. 

Sincerely, XXXX XXXX XXXX XXXX XXXX - Unvalidated Debt To Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX for reporting a charge-off and collection account that has never been validated. 
- The debt was reported as " Unpaid '' and in " Collections '' without proof or validation. 
- No original creditor is listed. 
- The account is only reported to TransUnion, not all three bureaus, creating an incomplete and biased profile. 
This violates FCRA and FDCPA guidelines. I demand deletion of this unverifiable account immediately. 

Sincerely, 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