vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint to formally dispute a number of hard inquiries that appear on my Equifax credit report. These inquiries were not authorized by me, and I did not initiate any credit applications that would justify their presence on my report. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not made as a result of any credit application or request for financing that I initiated, nor did I authorize any of these companies to access my credit file on or near the dates listed. Their appearance on my report is therefore inaccurate, misleading, and damaging to my credit profile.

According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681b ( c ), consumer reporting agencies like Equifax are strictly prohibited from furnishing consumer reports unless the requesting party has a specific, permissible purposesuch as a consumer-initiated credit application. Furthermore, 15 U.S.C. 1681e ( a ) requires that credit bureaus maintain reasonable procedures to ensure only legitimate, authorized parties can access credit reports.

The inclusion of these hard inquiries implies that Equifax has either allowed access to unauthorized third parties or failed to adequately verify whether these entities had permissible purpose under the law. Not only do these inquiries reduce my credit score, but they also misrepresent my financial behavior, potentially affecting my eligibility for credit products and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I noticed a discrepancy in my Coinbase account and after XXXX hours with the representative on the phone we came to the conclusion that there was XXXX bitcoin missing. She accepted it and said there was gon na be an investigation after XXXX weeks. There was no answer. I then contacted the XXXX XXXX XXXX Call me immediately contacted me saying there was no mistake after the representative had emailed me approve of the missing money. This XXXX XXXX also asked me for my Coinbase wallet which has nothing to do with the amount. They did not reflect on my account last email I received from Coinbase said they were looking into the situation but its clear that they do not want to pay me the money they owe me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: IN

Complaint narrative:
I am a Fraud Victim and someone stole my Identity to open up an account name XXXX XXXX # XXXX, for {$12000.00} on my credit, I provide proof to Experian Credit Bureau and Equifax Credit Bureau and they have refused to remove this account off my file. PER FCRA XXXX XXXX I completed an FTC # XXXX and provide proof of my Social Security Card, Driver 's and Utility Bill they refused to acknowledge my Complaint, please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IA

Complaint narrative:
Mohela has been mismanaging payments from my bank account. Payments from Mohela have been debited from my account from XX/XX/XXXX - XX/XX/XXXX, however when I spoke with Mohela they noted my loans have been in forbearance sine XXXX of XXXX and no payments have been applied on my accounts ( loans will come out of forbearance XX/XX/XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2025-06-18 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:
This CFPB c

omplaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-18 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
When I reviewed my credit report this morning, I noticed unfamiliar and inaccurate accounts, and Im unsure of their origin. I regularly monitor my credit, but this time, I found sudden inconsistencies. I tried refreshing the page, thinking it might correct itself, but the errors persisted. Im requesting a thorough inspection of the documents Ive sent so I can finally be at ease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My PayPal account was permanently limited few months ago, in XX/XX/year>. At the time, I was informed that the funds in my account would be held for 180 days, and then released to my linked bank account. 

Now that XXXX  days have passed, I logged in and found a message stating that PayPal has decided to permanently keep my money, without providing any explanation or formal notice. 

I have not received any email or communication explaining the reason for this decision. I have not been involved in any fraudulent activity or violated any policies knowingly. These funds were the result of legitimate business transactions related to my work. 

I have attempted to contact PayPal, but have not received a satisfactory explanation or the option to appeal. This is unfair, non-transparent, and financially harmful. I am requesting your assistance to recover my funds or receive a proper legal justification from PayPal. 
I work hard to have my money and its not fear they just take the money with out any reasons promised that they just block the account ( for no reasons ) and will give me my money back but after that time I check in the account and they made 2 transactions under the pay pal name and putting correction and take all the money that I have one transaction for {$470.00} and other {$110.00} on XX/XX/XXXX let my account in XXXX Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
Not wanting to dispute inaccurate information that Jefferson Capital Systems , LLC has reported to the credit reporting agencies. This false information is damaging my credit and is not reflective of my actual credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding Equifax 's mishandling of a dispute concerning fraudulent accounts listed on my credit report. Despite my repeated efforts to follow the proper procedures under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, I continue to encounter inconsistent and misleading guidance from Equifax representatives. 

On XX/XX/year>, I contacted Equifax and informed them that certain accounts on my credit report were fraudulent. I specifically requested that these accounts be blocked and removed under Section 605B of the FCRA. I spoke with a representative from the fraud department who stated that he had submitted disputes under fraud and that the accounts would be removed within four business days. I asked whether I needed to submit any supporting documentation, such as an FTC Identity Theft Report or proof of identity, and he informed me that no documentation was necessary due to the nature of the fraud. He also provided me with a confirmation number : XXXX. 

To ensure accuracy, I called back later the same day and spoke with a female representative who claimed to be a manager in the fraud department. She stated that the previous representative had provided me with incorrect information and that my dispute could not proceed in the manner I was told. 

This situation has been extremely frustrating. I have been given conflicting information, misdirected multiple times, and denied the protections afforded to me under federal law. Additionally, I previously submitted a complaint to the CFPB on XX/XX/year> ( Complaint ID : XXXX ) and uploaded the necessary documentation that had been sent to Equifax. Despite this, the fraudulent accounts remain, and I have not received clear or consistent communication from Equifax on how the matter is being handled. 

I am requesting that the CFPB investigate Equifaxs handling of my dispute, ensure they comply with Section 605B of the FCRA, and take appropriate action to address the ongoing failure to resolve fraudulent activity on my credit report in a timely and lawful manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 explanation
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX RE : Cease and Desist Collection Activity Account # XXXX To Whom It May Concern : I am writing this letter in response to your attempts to collect a debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you immediately cease and desist all communication with me regarding the above-referenced account.

Please consider this formal notice that I do not wish to be contacted by phone, mail, email, or any other form of communication regarding this debt. Be advised that continued contact or any attempt to collect this alleged debt after receipt of this letter will be considered a violation of the FDCPA and will be reported to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Additionally, if this account has been erroneously reported to any credit reporting agency, I request that it be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) if you are unable to provide full and accurate validation of the debt.

You are also hereby notified that if you intend to take legal action against me, you must inform me of that intent in writing, as required by law.

Thank you for your cooperation. I expect your acknowledgment of this letter and your compliance with my request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX RE : Cease and Desist Collection Activity Account # XXXX To Whom It May Concern : I am writing this letter in response to your attempts to collect a debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you immediately cease and desist all communication with me regarding the above-referenced account.

Please consider this formal notice that I do not wish to be contacted by phone, mail, email, or any other form of communication regarding this debt. Be advised that continued contact or any attempt to collect this alleged debt after receipt of this letter will be considered a violation of the FDCPA and will be reported to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Additionally, if this account has been erroneously reported to any credit reporting agency, I request that it be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) if you are unable to provide full and accurate validation of the debt.

You are also hereby notified that if you intend to take legal action against me, you must inform me of that intent in writing, as required by law.

Thank you for your cooperation. I expect your acknowledgment of this letter and your compliance with my request. 
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 non-monetary relief
Consumer complaint received 2025-06-18 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: MD

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I kindly ask that you update my personal information without delay. It is important that my records reflect accurate details, and I have provided the necessary documents for verification. Please make these corrections as soon as possible. I am having problems getting my Equifax score due to incorrect information being reported on my file. Please have these corrected as soon as possible so I can have the updated scores and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

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. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( 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.

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