vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: ID

Complaint narrative:
On XX/XX/XXXX, I received an email from Coinbase Compliance that my account was flagged for manual review. I was asked to provide information to verify my income. I started by sending them the previous 3 months of bank statements. I do not receive a pay stub, as my employer uses direct deposit when I get paid. My bank statements clearly indicate that I am paid by the employer on file, every 2 weeks. They responded that the information did not meet their requirements, and requested a tax statement. I sent them my tax statement for XXXX and XXXX, and their response was that they could not verify my income. By this point, my ability to buy/sell/trade my assets was frozen. I stated that I would be willing to provide my XXXX for XXXX once I received it. Eventually, after filing my taxes for the XXXX  year, I sent them my XXXX tax document on XX/XX/XXXX. All information on the XXXX XXXX document aligned with the information I was providing regarding my income amount. They responded that the XXXX XXXX did not meet their requirements. Mind you, my ability to buy/sell my crypto assets was frozen since XXXX of XXXX. I also requested an explanation as to how my XXXX XXXX did not meet their requirements, to which they failed to respond. I began moving my crypto assets off of their platform in XX/XX/XXXX, as the XXXX  market is known to be very volatile and restricting my ability to trade is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I became reckless and started taking out credit cards and thinking I could pay them back and obviously I went over my head because I coulsnt pay anything back I backed up and became irresponsible and now Im drowning in debt and I dont know where to begin. Im sorry it gotten this far Im hoping we can come into an agreement

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 non-monetary relief
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: CarMax, Inc.
State: TX

Complaint narrative:
I am writing to formally address an issue of incorrect information reported and to request verification of dates of payment of debts associated with this accounts that have been opened in my name. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am exercising my right to request verification of the debts that are being attributed to me. In accordance with the law, please provide the following information for each account that is being reported : 1. Account Name : The name under which the account has been opened. 2. Date of Application : The date when the application for this account was submitted. 3. Personal Information Used : A detailed account of the personal information that was used to open these accounts, including my name, address, Social Security number, and any other identifying information. 4. Verification of Debt : Documentation that verifies the existence of the debt, including the original creditors name and contact information. 5. Date of First Delinquency : The date of the first delinquency related to the account, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1692 ). This account is being incorrectly reported as the date of first delinquency is XX/XX/year> as shown in the attached credit report and email sent from credit as of revolving account and not a collection and causing monthly delinquency. This is fraud I take this matter very seriously, as identity theft can have profound impacts on my financial health and credit standing. Please respond to this request within the legally required timeframe. While this information is being verified this must be removed from my credit report. This information may not be added back because the account is fraud Failure to provide the requested information should result in the removal of the fraudulent accounts from my credit report

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing. 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. I am deeply concerned that my dispute may be mishandled in a similar 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are incorrect personal details on my profile. Kindly review all documents that contain my accurate and correct information.

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: EQUIFAX, INC.
State: LA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Previously I had placed my account on a financial hardship, related to lost of income and moving due to XXXX XXXX  and XXXX. I have completed my hardship requirements but did not understand why I have a balance over {$2200.00}. I called Capitol One and spoke with XXXX. Who stated that, there has been no fraudulent activity on the card, and the card has not been used for purchases only the monthly payments I made. I asked why I am being charged XXXX separate interests rates per month, XXXX ) {$14.00} / XXXX ) {$36.00}. He Informed me that there was a cash advance in XXXX of XXXX for {$640.00}. I questioned that is an odd amount for a cash advance and if that payment was already paid am I being charge fees. XXXX informed me that as long as there is a balance on the account that they can still charge additional interest rates even if the cash advance was paid. XXXX XXXX has received over {$4300.00} from me for an additional interest rate, plus the {$1600.00} interest rate, and the only reason why I have a balance is because its all interest. Total {$6000.00}. I asked if they could send me a copy of the transaction, XXXX stated that he checked with his supervisor and they can only go back XXXX years. I asked send me whatever shows on your screen, he was not allowed to. I asked to please email me a copy of the credit card agreement for XXXX, they said they can not email but it can be mailed and I should receive it in XXXX days. I ask if there was away to remove the balance or decrease it. XXXX stated that as per XXXX years ago, XXXX XXXX no longer provides adjusts to balances. I informed XXXX, that I would be reporting this issue and take any additional matters required. Please keep my personal information confidential, I am a protect person with a confidential address, please it is for my safety.

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: WI

Complaint narrative:
The unverified ACCOUNTS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these ACCOUNTS to be authenticated ( A ). I will take legal action against you if you do not validate these ACCOUNTS. Please follow the law so that this situation can be settled quickly. I need the following ACCOUNTS to be deleted from my file right away XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00}

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - DATE OPENED 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 2025-03-04 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 seven 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 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. Please remove the following items from my credit
report immediately : Transunion Equifax Experian

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. Please remove the following items from my credit
report immediately : Transunion Equifax Experian

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: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a debit card with a bank letter welcoming me to the bank and that I would receive a pin number in another mailing. 

I called the bank number listed on the welcoming letter and told the customer service bank agent that I did not open the bank account. That it is a fraud. I don't live in that area, since the envelope named the city and state. 

I did not ask how much the account had, since the money is not mine, but I am sure money have to been taken to open the bank account. 

The bank person understood and will further report it and will close the account. And for me to report the fraud to the Federal Trade Commission website.

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