vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: VA

Complaint narrative:
Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately outfit consumers of dispute outcomes. These failures align with my experience, where Experian has neither Corrected or removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX months ago i was checking my credit report and i noticed accounts that not my i never used and never get any benefit from

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX months ago i was checking my credit report and i noticed accounts that not my i never used and never get any benefit from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION 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. This fraudulent inaccurate and false information consists of a personal XXXX XXXX account opened at XXXX on XX/XX/XXXXXXXX  ( XXXX # XXXX ) BALANCE {$39000.00}. I've attached the copy of the identity theft affidavit as proof from the XXXX Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a 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 non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I do not recognize this address please remove immediately thank you!! XXXX XXXX XXXX XXXX tx XXXX also XXXX XXXX XXXX XXXX tx 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 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
repeated calls through multiple agencies and they could never verify that paying through them would resolve the debt and that i would have to communicate with navy federal and vice versa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have never opened or used the following account numbers : Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 




Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
Please review the Inaccurate Information being report : XXXXXX/XX/XXXX XX/XX/XXXX XXXX Under the FCRA , you are required to : Conduct a proper investigation into my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. My report reflects unauthorized inquiries from XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
In XXXX I was 'coached '' into investing in cryptocurrency via coinbase, then to coinbase wallet but THEN to a trading platform that had a website saying " safe ''. First I put in {$50000.00} and it went through without problem. Then I asked to see a smaller amout returned. ( It was then in Ethereum ). Within 3 days the return showed up in my bank account making me feel secure. I then used an IRA in a 60 day rollover ( {$740000.00} ) that WAS my retirement money and it showed very good returns in gold commodity. In 2 weeks I asked for my funds to go back to my account and they then said my request was " suspicious '' and the refused. Next the said if I would put in XXXX the amount again they would consider returning some assets. I found out by my kids that this is call XXXX XXXX XXXX '' and I am the victim of an elaborate scam. I boxed up my computer to be used in investigation. Changed all passwords, etc. The trading platform is XXXX .There is NO WAY Coinbase does not know that their " wallet '' was sending to a bogus platform. They were called and in no surprising terms told me too bad. I sent in reports to XXXX, XXXX, FBI and have written letters to everyone I can think of. ( XXXX, XXXX, XXXX ) NO agency has a real person to speak to. I NEED HELP as this was my retirement. Surely someone is able to track the XXXX XXXX (? ) and then go after to fraudsters assets I certainly am not tech savy enough to do it. Crypto is being promoted even by our XXXX government as the up and coming way of finance. I am aware of no government assistance for being robbed like this but I also don't see any consumer protection preventing this from happening. There are people that are soliciting to trace the chain for {$6000.00} up front but that is likely more scam. I am XXXX thought I had more common sense that to think crypto is a worthwhile currency. PLEASE help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
I am filing a formal complaint against Experian for failing to conduct a reasonable investigation into disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Experian consistently responds within 24 hours, asserting that the disputed accounts are accurate without providing any evidence of a thorough review.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes. Additionally, Experians actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar misconduct.

I respectfully request that the CFPB take immediate action to ensure Experian complies with federal law and provides consumers with verifiable proof of a proper investigation. Furthermore, I request the deletion of the disputed accounts from my credit report, as Experian has failed to fulfill its legal obligations. 

Below are the accounts I have marked as inaccurate : 1. XXXX XXXX XXXX xxxxxxxxxxxx XXXX {$790.00} 2.XXXX XXXX XXXX XXXX XXXX {$2900.00} 3.XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$13000.00} Thank you for your attention to this matter.

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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Re : Dispute of Collection Accounts Request for Immediate Removal Absolute Resolutions Dear Sir/Madam, I am writing to formally dispute the collection accounts listed on my credit report and to request their immediate removal, as I believe these accounts violate several provisions of the Fair Credit Reporting Act ( FCRA ). Below are the key points and supporting legal references that justify the removal of these accounts : - No Consent or Authorization : I have never agreed to or provided any consent for any party to report a debt or collection account to the credit bureaus. Therefore, the inclusion of these accounts on my credit report is unauthorized and unlawful under XXXX U.S.C. XXXXc. 
- Failure to Provide Documentation : The debt collector has not provided me with the necessary purchase agreement from the original creditor, including critical details such as the purchase date, the original debt amount, and the purchase price. Without this information, the debt can not be substantiated, as required by XXXX U.S. CXXXX XXXXg, which mandates that a debt collector must provide verification of a debt when requested. 
- Out of Statute Debt : The debt is more than XXXX XXXX XXXX and, therefore, falls outside the statute of limitations for reporting under XXXX U.S. CXXXX XXXXB. As a result, this debt should no longer be reported on my credit file. 
- Inaccurate Reporting : The reported amounts and dates have been inconsistent across the XXXX credit bureaus. The amounts reported and the dates of reporting vary each time I dispute, indicating that the information provided is inaccurate and unreliable. This violates XXXX U.S.C. XXXXe ( b ), which mandates that credit bureaus ensure the accuracy and completeness of all information they report. 
- Failure to Provide Proof of Investigation : Under XXXX U.S.C. XXXX ( a ), XXXX is required to thoroughly investigate my disputes and provide proof of such investigations. However, XXXX has failed to provide any evidence of investigation into the accuracy of the debt or how the debt collector was contacted. Additionally, I have not received any information regarding the individuals involved in the verification process or when and how they communicated with the debt collector. This constitutes a sham investigation and further violates the requirements set forth in the FCRA. 

As per the aforementioned violations, I am requesting the immediate removal of these collection accounts from my credit report. Both the debt collector and XXXX have failed to comply with FCRA laws, and I am entitled to have this inaccurate and outdated information removed from my credit file. 

I trust that you will take prompt action to rectify this situation and remove these accounts from my credit report in compliance with the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me XXXX because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-03-04 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me XXXX because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-03-04 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by SYNCBXXXX XXXX XXXX  has a balance of {$6200.00}. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines . 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Complaint Against XXXX XXXX XXXX XXXX and Experian for Inaccurate Credit Reporting To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX and Experian regarding the inaccurate verification and reporting of an account that does not exist in XXXX XXXX system. 
On XXXX XXXX, 2025, at XXXX pm, I contacted XXXX XXXX XXXX XXXX to obtain information about an account that was supposedly verified by Experian and reported on my credit file. However, after multiple inquiries, XXXX XXXX stated that they could not locate any record of such an account in their system. This raises serious concerns regarding Experians verification process, as they have allegedly " verified '' an account that the original creditor does not even recognize.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes an item on their credit report. In this case, Experian has failed to uphold this obligation by verifying an account that does not exist, thereby violating my rights under federal law. Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ), any inaccurate or unverifiable account must be promptly removed or updated.

I am requesting the following actions be taken immediately : 1. Experian must update the account to reflect a XXXX balance and remove any negative reporting associated with it and closed paid as agreed. 
2. XXXX XXXX XXXX XXXX must provide a formal response confirming that they have no record of this account. 
XXXX. A full investigation must be conducted to determine how Experian was able to " verify '' an account that does not exist within the creditors system. 
This misreporting has caused undue harm to my credit profile, and I demand immediate corrective action in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). If this issue is not resolved in a timely manner, I will consider escalating the matter further, including filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal remedies. 
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