vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-05-03 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:
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. 
XXXX XXXX XXXXXXXX Balance {$8700.00} XXXXXXXX XXXX XXXXXXXX Balance {$240.00} XXXX XXXXXXXX Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-03 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: PA

Complaint narrative:
TransUnion, this is your final chance. I have submitted evidence to all three credit bureaus. I want you to know I was alerted about a class action lawsuit against you, being held in my city. You will see the document attached along with my sign-up. Rest assured, if I have to, I will testify at the hearing for improper use of my report, including reporting incorrect inquiries and mishandling my report by unfreezing it without notice, as evident in my prior complaints. I have no issue attending that hearing and testifying on behalf of the class. 

If Equifax and Experian don't get their act together and remove these reports and accounts, I will speak to the attorney and the person who began the class action. I will see if there's anyone involved in that class action who's had similar issues with Experian and Equifax. At this time, I demand you remove the accounts that I have put in my FTC reports and sent to all three bureaus. As well as my original dispute via certified mail, along with loads of evidence from my prior CFPB complaints, showing legitimate fraud. 

As of today, XXXX has TransUnion reporting three collections accounts. I want you to know I have sent cease and desist letters to every single collection agency that has contacted me due to harassing behavior. Be extremely careful. I highly recommend you listen to what I'm saying because this is all genuine fraud. Afterpay confirmed fraud.The cards previously provided to you, were linked to XXXX XXXX XXXX Because of confirmed fraud by XXXX, It immediately triggered an email sent to XXXX by the CFPB. At this period in time, you are playing with fire. I will be able to get you to the right. Dont sit here snd think this isnt evidence, or I click respond, and it goes away. No, the CFPB does look, and build cases.

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 2025-05-03 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: PA

Complaint narrative:
TransUnion, this is your final chance. I have submitted evidence to all three credit bureaus. I want you to know I was alerted about a class action lawsuit against you, being held in my city. You will see the document attached along with my sign-up. Rest assured, if I have to, I will testify at the hearing for improper use of my report, including reporting incorrect inquiries and mishandling my report by unfreezing it without notice, as evident in my prior complaints. I have no issue attending that hearing and testifying on behalf of the class. 

If Equifax and Experian don't get their act together and remove these reports and accounts, I will speak to the attorney and the person who began the class action. I will see if there's anyone involved in that class action who's had similar issues with Experian and Equifax. At this time, I demand you remove the accounts that I have put in my FTC reports and sent to all three bureaus. As well as my original dispute via certified mail, along with loads of evidence from my prior CFPB complaints, showing legitimate fraud. 

As of today, XXXX has TransUnion reporting three collections accounts. I want you to know I have sent cease and desist letters to every single collection agency that has contacted me due to harassing behavior. Be extremely careful. I highly recommend you listen to what I'm saying because this is all genuine fraud. Afterpay confirmed fraud.The cards previously provided to you, were linked to XXXX XXXX XXXX Because of confirmed fraud by XXXX, It immediately triggered an email sent to XXXX by the CFPB. At this period in time, you are playing with fire. I will be able to get you to the right. Dont sit here snd think this isnt evidence, or I click respond, and it goes away. No, the CFPB does look, and build cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: HI

Complaint narrative:
I submitted a formal written request to Equifax to correct outdated or inaccurate personal information in my credit file. My request included my full name, date of birth, current address, and Social Security number. I enclosed all the required supporting documentation, including : A government-issued ID ( drivers license ) Proof of address ( utility bill or bank statement ) Social Security XXXX Despite providing all required documentation, Equifax has failed to update my file or provide a response. 

Notably, TransUnion has already updated my information based on the same submission, indicating that my documentation was valid and sufficient. 

I am requesting CFPB assistance to ensure that Equifax corrects this personal information as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NV

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$540.00}

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX card suppose to reimburse if cell broke through cell phone protection. 

Tried to reach them XXXX  months and recd a few emails however no response after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2025-05-03 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: NV

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On or around XX/XX/year>, I participated in a promotional campaign by Coinbase involving perpetual futures trading. The campaign clearly advertised a reward of up to XXXX XXXX for completing specific trading tasks. I registered a new account, completed the required tasks, and received an in-app confirmation that I had earned the reward. 

However, the reward was never issued to my account. I contacted Coinbase support to inquire about the missing funds. Their response stated that I was disqualified due to " multiple accounts. '' I later learned that this referred to previously created accounts that were unverified and inactive. Once I was made aware of this, I took prompt action to close those accounts. 

I currently have only one active and verified Coinbase account. I have never used multiple accounts to participate in promotions, nor have I attempted to violate the campaigns terms. Coinbase has not provided any evidence showing misuse or abuse of the system. Their decision appears arbitrary and unfair. 

I respectfully request a re-evaluation of my case and the issuance of the XXXX XXXX reward that was confirmed in the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 am submitting this FTC Identity Theft Affidavit to follow up on a previous dispute regarding a credit card account with XXXX XXXX opened on XX/XX/XXXX. Despite prior disputes under FCRA Section XXXX ( XXXX U.S.C. Section XXXXi ), this account remains improperly reported. I assert again that this account is fraudulent and the result of identity theft, and I demand that XXXXXXXX XXXX and the credit reporting agencies permanently remove this account from all of my consumer credit reports. 

Additionally, there are two fraudulent collection accounts with XXXX XXXX, both opened on XX/XX/XXXX, that I have identified as part of the identity theft case. These entries continue to negatively affect my credit profile and must be deleted under my rights granted by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

CFPB Complaint Request for Fraudulent Information to Be Blocked ( Including Section 611 Follow-up ) This CFPB complaint is submitted to demand, pursuant to FCRA Section XXXX ( XXXX U.S.C. Section XXXX ), that the XXXX  credit reporting agency block the following fraudulent accounts from my consumer credit report within four business days of receipt : A credit card account with XXXX XXXX opened on XX/XX/XXXX ( previously disputed under FCRA Section XXXX ; this is a follow-up dispute as the account remains inaccurately reported despite no evidence of my authorization or liability ). 

Two collection accounts with XXXX XXXX, both opened on XX/XX/XXXX, which are fraudulent and part of the identity theft incident. 

I have provided a copy of the consumer FICO credit report maintained by you, showing these items, along with a copy of the FTC Identity Theft Report/Criminal Complaint # ( private case number ) as evidence of the ongoing identity theft issue.

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 2025-05-03 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: FL

Complaint narrative:
I am filing a complaint against Experian for knowingly reporting a re-aged, time-barred collection account from XXXX XXXX XXXX XXXX XXXX tied to a XXXX XXXX  XXXX  ( XXXX XXXX XXXX  XXXX XXXX ). 

The original transaction occurred on XX/XX/XXXX ( receipt attached ). Despite this, Experian is reporting the account as Opened XX/XX/XXXX nearly 5 years later, thus illegally re-aging the debt in violation of the Fair Credit Reporting Act. 

I previously filed CFPB complaint # XXXX, but Experian ignored my proof and conducted only a superficial reinvestigation, relying solely on the furnishers response. 

Experians failure to delete this account has caused a XXXX point credit score drop, directly costing me over {$8000.00} in higher credit and loan costs. 

FCRA Violations : 605 ( a ) Reporting outdated tradeline 611 ( a ) Failing to reinvestigate properly 1681e ( b ) Not ensuring accuracy of data I request the immediate deletion of this re-aged tradeline, full reinvestigation, and appropriate sanctions for repeated noncompliance.

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 2025-05-03 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing a complaint against XXXX for knowingly reporting a re-aged, time-barred collection account from XXXX XXXX XXXX XXXX originally tied to a XXXX XXXX loan ( XXXX XXXX XXXX  / XXXX ). 

The original transaction occurred on XX/XX/XXXX ( receipt attached ). Despite this, XXXX is reporting the account as Opened XX/XX/XXXX nearly 5 years later, thus illegally re-aging the debt in violation of the Fair Credit Reporting Act. 

I previously filed CFPB complaint # XXXX, but XXXX ignored my proof and conducted only a superficial reinvestigation, relying solely on the furnishers response. 

XXXX failure to delete this account has caused a XXXX point credit score drop, directly costing me over {$8000.00} in higher credit and loan costs. 

FCRA Violations : XXXX ( a ) Reporting outdated tradeline XXXX ( a ) Failing to reinvestigate properly XXXX ( b ) Not ensuring accuracy of data I request the immediate deletion of this re-aged tradeline, full reinvestigation, and appropriate sanctions for repeated noncompliance.

Company response to consumer: Closed with non-monetary relief