vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX To Whom This May Concern, Upon receiving my recent Credit report, I found information regarding a debt that is being claimed against me.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal co for the suit. This includes any listing of any information to a credit reporting repository that coul inaccurate or invalidated. 
+ If your office fails to respond to this validation request within 30 days from the date of your receipt, references to the account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IA

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 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-22 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I am submitting a follow-up complaint regarding my prior CFPB case involving my XXXX XXXX XXXX Citibank account . Citibanks response did not address the substantive inaccuracies and investigative failures raised in my original complaint and does not demonstrate a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

In its response, Citibank made conclusory statements that the account reporting is factually accurate, but failed to address or explain multiple material discrepancies, including : Why the account reflects repeated monthly charge-off ( CO ) codes, when a charge-off is a one-time accounting event Why the account continues to show ongoing past-due balances and monthly updates long after the stated charge-off date of XX/XX/year> How the delinquency timeline is accurate when the account shows payment activity after the charge-off date, which contradicts proper credit reporting standards Why Citibank continues to furnish updated negative information after placing the account with a third-party collection agency ( XXXX XXXX XXXX XXXX ) How the balance and past-due amount exceeding the credit limit were calculated and verified Whether the repeated CO reporting constitutes improper re-aging, which Citibank did not address Citibank also stated that its investigation relied on disputes received from the credit reporting agencies rather than responding directly to the issues raised in my CFPB complaint. This does not satisfy XXXX obligation to conduct a reasonable investigation into specific inaccuracies identified by the consumer. 

Additionally, Citibank did not provide the documentation necessary to verify its reporting, including full payment histories, charge-off accounting records, delinquency logs, or Metro 2 compliance explanations. Instead, it relied on generalized assertions without evidentiary support.

Because Citibank failed to address these substantive issues and failed to demonstrate a reasonable reinvestigation, its response does not comply with FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). The continued reporting remains inaccurate, misleading, and harmful. 

I am requesting the CFPBs assistance to require Citibank to conduct a complete and reasonable reinvestigation and to correct or delete any information that can not be fully verified with documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ 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 explanation
Consumer complaint received 2025-12-22 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: IN

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : Charged Off Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$400.00} XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1900.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA.

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW.

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-22 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/2025, I initiated a withdrawal in the amount of {$390.00} of XXXX ( XXXX ) from my Coinbase account to a native XXXX address ( XXXX ) generated by my personal non-custodial XXXX wallet. 

I selected XXXX ( XXXX ) as the asset and intended the transaction to be processed on the XXXX network. However, Coinbase processed the transaction on an EVM-compatible network using Coinbase XXXX XXXX ( cbBTC ), resulting in an Ethereum-style transaction hash ( beginning with XXXX ). 

XXXX ID : XXXX A native XXXX  address can not receive or access EVM-based assets, and the funds therefore never reached the XXXX blockchain or the destination wallet. I do not control any wallet or private keys on the EVM network associated with this transaction. 

Coinbase support has stated that blockchain transactions are irreversible and has declined escalation or recovery, despite the transaction being processed on a network inconsistent with the selected asset and destination address. 

I am requesting a formal review of this transaction as a sender-side network routing error and appropriate remediation, including recovery or re-credit of the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I am disputing the following information reported on my TransUnion credit report. Please review the accounts and correct any inaccuracies. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-12-22 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:
I am writing to formally dispute certain items on my credit report that I believe to be inaccurate, incomplete, or improperly reported. Below, I have provided detailed information for each account I am disputing, categorized by credit bureau. 

Charged Off Accounts : UNAUTHORIZED, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$980.00} Late Payments : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint against Wells Fargo Bank , N.A . regarding inaccurate credit reporting for a Wells Fargo XXXX WFBNA credit card account that I did not authorize. 

Account in dispute : WFBNA CARD Acct : XXXX This account was not opened or authorized by me. I have disputed this account and provided supporting documentation. Despite notice, the account has been furnished to consumer reporting agencies and/or has been verified through generic responses without Wells Fargo producing competent evidence of authorization.

Wells Fargos continued furnishing of this account after notice is causing ongoing harm to my credit profile. I am requesting that Wells Fargo complete a full investigation and either : Provide competent proof that this account was authorized by me ( original application, identity verification used at account opening, and complete account documentation ), or If such proof can not be produced, immediately cease furnishing and request deletion of this tradeline and all associated negative information from all credit bureaus. 

Relief requested : Immediate deletion of the Wells Fargo tradeline for Acct : XXXX from all bureaus, and written confirmation that Wells Fargo has instructed the bureaus to delete the account and has stopped reporting it.

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 2025-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bounce AI, Inc.
State: MS

Complaint narrative:
I purchased an engine from XXXX in XX/XX/2024! XXXX it got delivered to XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX called me to come review the engine that had been damaged by the delivery driver! We took notes and pictures and reported a claim on my warranty! The representative responded and dismissed my claims! See the email tread and communications attached! I got the repairs billing statement and I emailed it to XXXX XXXX and they didnt respond appropriately! They just left me hanging! 
I stopped paying the final XXXX payments to XXXX XXXX in the amount of {$870.00} less than the amount of {$900.00} emailed from XXXX XXXX for those reported damages caused to my property, by your delivery driver! It was the repair shop who investigated the damage caused! He said he was definitely not going to put a damaged engine that he knows was damaged by the delivery driver installed into my car and be held accountable! He called me immediately after reviewing the evidence! 

XXXX has consistently ignored and refused liability! They said they were sorry for the inconvenience caused by their delivery driver and offered no other resolution! I paid for the damages to be repaired and after a year XXXX my car is about to be delivered and I need them to pay me for the damages and harassment endured by their hinchmen and collection attempts repeatedly! 

They have affected my credit negatively and contacted me over the phone, texting/email and physical mail to my address! I dont have any contract with them and for them to have my personal information, because they bought a debit that has been collected on through their insurance already! 
Its clear that I am not wrong, because I allowed them to debit my account monthly until they refused my claim and communication to get them to do the right thing and they simply brushed me out and assasinated my credit with relentless harassment in an attempt to make me pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I am disputing the following information reported on my Experian credit report. Please review the accounts and correct any inaccuracies. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-12-22 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 previously disputed these items and demanded that they be corrected or removed in full. Despite my disputes, the company continues reporting the same tradelines and has not provided a clear, evidence-based explanation of its decision or a documented outcome supported by actual proof.

This ongoing reporting indicates potential noncompliance with the Fair Credit Reporting Act ( FCRA ), including the duty to maintain reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ), and the duty to conduct a reasonable reinvestigation of disputed information under 15 U.S.C. 1681i.

If the company contends the information was verified, I request the complete verification detailsnot a generic or boilerplate response. Specifically, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), I request the Method of Verification, including : The exact source ( s ) relied upon to confirm the reporting ; The identity of the furnisher used during verification and the specific data obtained from that furnisher ; The date ( s ) the verification occurred and the manner in which it was conducted ; and The factual basis for the decision to continue reporting the tradelines as accurate.

I am requesting CFPB assistance because this inaccurate reporting is causing ongoing harm and has not been resolved through standard dispute channels. I request prompt deletion and/or correction of any information that can not be properly substantiated, along with written confirmation of the reinvestigation results and the verification method used. 
Account to Be Blocked : XXXX XXXX XXXX - XXXX - balance {$26000.00} - date opened 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 explanation