vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
I did not open these accounts please remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/scrub>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 2025-06-24 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:
Upon reviewing my Consumer Reports, I found some instances of late payments on several accounts for which I have always made timely payments. Consumer Reporting Agencies play a vital role in accurately reporting consumer information, and this information must be reported with the highest accuracy. I have never missed a payment on the accounts listed below. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If you can not provide such proof, I demand that these payments be promptly corrected to reflect their true on-time status, as I have consistently met my payment obligations without delay. 

Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} Late Payments : XXXX, XXXX, XXXX, XXXX Creditor : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8300.00} Late Payments : 30, 60, 90, 120+ Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} Late Payments : 30, 60, 90, 120+ Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$29000.00} Late Payments : 30, 60, 90, 120+ Creditor : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} Late Payments : 30, 60, 90, 120+ Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} Late Payments : 30, 60, 90, 120+

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy. These errors are placing a heavy burden on me and continue to negatively affect my life in ways that are difficult to fully express. These are incredibly trying times, and having these inaccuracies corrected or removed would be more than just helpfulit would truly be a blessing.

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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I am writing to formally escalate my case regarding unauthorized transactions from my Coinbase account on XX/XX/2025, which resulted in the theft of XXXX XRP. 

Despite immediately reporting the incident, Coinbase has failed to take appropriate action, provide transparency, or assist in recovery. I believe this response reflects both negligence and a breach of consumer protection obligations under Coinbases Terms of Service. 

* * Key Failures by Coinbase : 1. No Withdrawal Alerts or Protections : The funds were sent to a new, unverified external wallet, yet Coinbase failed to : Trigger a 24-hour withdrawal hold, standard with other exchanges.

Require secondary confirmation ( SMS/email ) for the withdrawal.

Send any fraud or security alerts.

2. Inadequate Phishing Protections : Although I unknowingly interacted with a phishing link, Coinbase failed to detect : Unusual login/IP behavior, Access from a new device/location, Any of the red flags commonly used by platforms to stop fraud in real-time.

3. Delayed and Obstructive Support : On XX/XX/XXXX, I contacted Coinbase and was informed there was no update on the investigation. 
I filed a formal complaint and requested relevant account information to pursue independent action, Coinbase denied the request. 

On XX/XX/XXXX, I called again and was told : There is no timeline for resolution, The investigation team is overwhelmed by a major cyber attack, No confirmation could be given about any action being taken to recover my funds. 

Coinbase continues to refuse to release account data, such as login activity or investigation details, limiting my ability to pursue legal action or recover my assets independently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-24 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-06-24 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 9. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
10. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
11. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

12. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update/remove the inaccurate records being reported on my credit file.

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 2025-06-24 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: AL

Complaint narrative:
Final Demand to Experian for Immediate Removal & Notice of Fault To : Experian Address : [ Insert Appropriate Bureau Address ] From : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Final Demand for Immediate Correction of Credit File and Notice of FCRA Violation To Whom It May Concern : This letter serves as a final lawful demand pursuant to the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681i ( a ), and all applicable commercial and equitable maxims, concerning your failure to comply with federal law regarding a previously submitted dispute. 
You are hereby placed on notice that : XXXX. Experian has received valid dispute documentation as of XX/XX/year>, evidenced by your mailed correspondence addressed to my correct name and address : " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' XXXX. Pursuant to 15 U.S.C. 1681i ( a ), you are required by law to conduct a reasonable investigation and delete or correct inaccurate, unverifiable, or incomplete information within 30 days of receipt. 
XXXX. Your response letter constitutes a " stall tactic '' and a constructive denial of lawful due process, as it improperly deflects the burden of verification and attempts to re-trigger the statutory deadline. 
XXXX. This constitutes a willful violation of the FCRA, as you are in possession of correct identity information, and your attempt to delay resolution by requesting redundant " identification '' documentation is baseless. 
XXXX. You are now liable for all damages resulting from continued reporting of inaccurate, unverifiable, or fraudulent data under 15 U.S.C. 1681n and 1681o.

Therefore, you are hereby given ten ( 10 ) days from the date of this letter to : - Permanently delete the disputed item ( s ) from my credit file ; - Provide written confirmation of said deletion ; - Cease and desist from further obstruction of the dispute process. 
Failure to comply will result in : - Immediate filing of a complaint with the Federal Trade Commission ( FTC ) and Alabama Attorney General ; - Initiation of a civil action for damages pursuant to 15 U.S.C. 1681n ; - Reporting of this bad faith conduct to all relevant oversight authorities.

Notice to Principal is Notice to Agent. Notice to Agent is Notice to Principal. Failure to rebut this demand in kind constitutes legal agreement and tacit procuration. 
Govern yourself accordingly. 
Signed lawfully, XXXX XXXX XXXX Secured Party Creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: AL

Complaint narrative:
Final Demand to Experian for Immediate Removal & Notice of Fault To : Experian Address : [ Insert Appropriate Bureau Address ] From : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Final Demand for Immediate Correction of Credit File and Notice of FCRA Violation To Whom It May Concern : This letter serves as a final lawful demand pursuant to the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681i ( a ), and all applicable commercial and equitable maxims, concerning your failure to comply with federal law regarding a previously submitted dispute. 
You are hereby placed on notice that : XXXX. Experian has received valid dispute documentation as of XX/XX/year>, evidenced by your mailed correspondence addressed to my correct name and address : " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' XXXX. Pursuant to 15 U.S.C. 1681i ( a ), you are required by law to conduct a reasonable investigation and delete or correct inaccurate, unverifiable, or incomplete information within 30 days of receipt. 
XXXX. Your response letter constitutes a " stall tactic '' and a constructive denial of lawful due process, as it improperly deflects the burden of verification and attempts to re-trigger the statutory deadline. 
XXXX. This constitutes a willful violation of the FCRA, as you are in possession of correct identity information, and your attempt to delay resolution by requesting redundant " identification '' documentation is baseless. 
XXXX. You are now liable for all damages resulting from continued reporting of inaccurate, unverifiable, or fraudulent data under 15 U.S.C. 1681n and 1681o.

Therefore, you are hereby given ten ( 10 ) days from the date of this letter to : - Permanently delete the disputed item ( s ) from my credit file ; - Provide written confirmation of said deletion ; - Cease and desist from further obstruction of the dispute process. 
Failure to comply will result in : - Immediate filing of a complaint with the Federal Trade Commission ( FTC ) and Alabama Attorney General ; - Initiation of a civil action for damages pursuant to 15 U.S.C. 1681n ; - Reporting of this bad faith conduct to all relevant oversight authorities.

Notice to Principal is Notice to Agent. Notice to Agent is Notice to Principal. Failure to rebut this demand in kind constitutes legal agreement and tacit procuration. 
Govern yourself accordingly. 
Signed lawfully, XXXX XXXX XXXX Secured Party Creditor

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 2025-06-24 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: TX

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MI

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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