vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by XXXX. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. Based upon the understanding that XXXX  is acting compliant and will provide the due care towards its own wallet-holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX Agency sent a relevant request for provision of information to XXXX

Unfortunately, as of the date of this complaint, XXXX has provided neither me nor my legal representatives with the requested information. By ignoring my request, www.crypto.com failed to provide the required information about the VASPs hosting the beneficiary wallets, where I have made a series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doing, www.crypto.com does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.crypto.com represents a clear example of the mistreatment of my consumer rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 non-monetary relief
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
Recently, I reviewed a copy of my credit report and noticed several inaccuracies on my report. This account is hurting my ability to obtain credit. It is my understanding the credit bureaus will investigate this account to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : 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 2025-03-27 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: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-03-27 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the debt reported on my credit report as charge-offs because they have been inaccurately reported. On [ insert date ], I sent debt validation letters to all three credit bureaus ( Equifax, Experian, and TransUnion ) as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, demanding verification of the debts listed. Despite this, I have not received any response from the credit bureaus or the creditors listed on my credit report within the statutory timeframe.

In addition, I have sent a debt validation request to the debt collectors reporting these accounts. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, the debt collector is required to provide debt validation within 15 days of receiving the dispute. The 15-day period has passed, and I have not received any response or verification of the debt.

As per Section 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must investigate disputes and correct any inaccuracies. As per 15 U.S.C. 1681e ( b ), the credit bureaus are also required to ensure the accuracy and completeness of the information in the credit report.

The debts in question have been reported as charge-offs, but the name and address listed on the accounts are incorrect. I have no association with the debts listed and assert that these items should not be reported on my credit report. The information reported is not only inaccurate but also in violation of my rights under the FCRA and FDCPA.

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that the credit bureaus and debt collectors comply with the FCRA and FDCPA by either verifying the debts or removing them from my credit report. The failure to validate and remove this inaccurate information is causing damage to my creditworthiness and violates 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 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Money was tooling from me tried calling to tell them claim was denied and I never got my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MI

Complaint narrative:
I am reporting inaccurate credit reporting by TransUnion. I submitted an identity theft report ( FTC Report ID : XXXX ) and disputed fraudulent information on my credit report. Despite providing the proper documentation and following the required steps, TransUnion failed to remove the fraudulent accounts and inquiries from my report. They have continued to report inaccurate information, which is negatively affecting my credit score and causing me significant hardship. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure TransUnion complies with the Fair Credit Reporting Act by removing all fraudulent information linked to my identity theft case.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MD

Complaint narrative:
**Subject : URGENT COMPLAINT LEXISNEXIS VIOLATING FCRA BY WITHHOLDING CONSUMER REPORTS & BLOCKING ACCESS TO CUSTOMER SERVICE** Dear CFPB, I am filing this formal complaint against **LexisNexis Risk Solutions** for **willfully violating federal consumer protection laws** by : 1. **Refusing to Provide My Full Consumer Report** Despite Multiple Requests ( Violating **15 U.S.C. 1681g** ).

2. **Operating a Non-Functional Customer Service System** ( Violating **FCRA 1681i & CFPB Regulation V** ). 

This is not an isolated incidentLexisNexis appears to **systematically obstruct consumers** from accessing their own data, which is unacceptable for a company handling sensitive personal information. 

# # # **Detailed Violations : ** # # # # **1. FAILURE TO PROVIDE CONSUMER REPORT ( FCRA 1681g VIOLATION ) ** - Under the **Fair Credit Reporting Act ( FCRA ) **, LexisNexis **must** provide consumers with their full file disclosure upon request. 
- I have requested my report **multiple times in [ Year ] ** via [ mail/online/phonespecify method ]. - **LexisNexis has ignored or failed to fulfill these requests**, denying me my **legal right to review my data**.

# # # # **2. INACCESSIBLE CUSTOMER SERVICE ( CFPB & FCRA VIOLATION ) ** - LexisNexiss listed phone number ( ** [ insert number if known ] ** ) **does not work**, disconnects calls, or leaves consumers in endless automated loops. - This **deliberate obstruction** viola
tes : - **FCRA 1681i** Requires CRAs to maintain proper dispute procedures.

- **CFPB Regulation V ( 12 CFR 1022 ) ** Mandates reasonable consumer access to reporting agencies. 
- XXXX XXXX for Trust** Requires transparent and responsive business practices. 



This companys unlawful behavior must end now. I expect a response within 15 days confirming corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND IT IS SHOWING UNAUTHORIZED, AND UNVERIFIED INQUIRIES ALONG WITH AN ADDRESS THAT IS INACCURATE. ACCORDING TO THE FCRA, I AM DUE FAIR CREDIT REPORTING. WILL LIST THE INQUIRIES AND ADDRESS BELOW AS WELL AS THE BUREAUS I NEED REMOVED IMMEDIATELY. EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND IT IS SHOWING UNAUTHORIZED, AND UNVERIFIED INQUIRIES ALONG WITH AN ADDRESS THAT IS INACCURATE. ACCORDING TO THE FCRA, I AM DUE FAIR CREDIT REPORTING. WILL LIST THE INQUIRIES AND ADDRESS BELOW AS WELL AS THE BUREAUS I NEED REMOVED IMMEDIATELY. EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXXXXXX 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 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
on XX/XX/XXXX purchased a tennis bracelet of XXXX posted to my bank account on XX/XX/XXXX. I did not take possession of it until XX/XX/XXXX because of some sizing they had to do. So 34 days since purchased had already past before I was able to take possession. THE very same day, on XX/XX/XXXX, XXXX hours after the XXXX XXXX employee put it on me it fell off with no provocation. I had XXXX witnesses that saw it just fall off my wrist. A friend of mine placed back on assuming it had not been latched on properly the first time ; it only lasted a few more hours then fell off again. On XX/XX/XXXX I texted the jeweler and let her know that it had fallen off my wrist XXXX and now it is lost. She said if i found it to bring it and get it fixed. When i finally found it i took it in and they kept it another XXXX to repair it.... So at this point it 94 days since it had been in XXXX 's XXXX and 29 days that it was lost due to the defectiveness of the product. in several texts the XXXX XXXX XXXX XXXX would refuse to refund me as i urged her it was a defective bracelet. 
she only offered to repair. 

on XX/XX/XXXX they asked me to come pick it up and i took a picture of the item list that detailed all the " repairs '' they did to it. Soon there after not 24 hours later it fell off my wrist again and again I was not able to find it for 25 days.!!! When i found it I submitted a dispute on XX/XX/XXXX, on my charge card with FROST ; and on XX/XX/XXXX, I was told that 120 days had passed and they had denied my claim due to coming forward after the 120 days had passed. The merchant kept the bracelet 94 days of the 120 days and the defective product was lost for 55 days. Due to these circumstances the fault for the 120 day limit was out of my control.

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 2025-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NM

Complaint narrative:
My mortgage was transfered to Roundpoint Mortgage a couple of years ago. I have my own private homeowners ' insurance and no escrow requirement.

Roundpoint has been charging me for both escrow and insurance. I called several times and faxed them copies of my last 3 insurance policies. I was told I would be refunded and my monthly payment adjusted. 

While there has been an adjustment, it has not returned my monthly payments to the regular amount. 

I have as of yet not made my XXXX payment as their app does not allow for adjustments in the amount ones wishes to pay. 

However, I wrote a check today for the outstanding XXXX and the upcoming XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Complaint about Equifax ( myEquifax unable to login issue ) I have an myEquifax account to monitor/freeze/unfreeze credit profile because of identity theft concern. I have accounts with all three of them, Equifax, XXXX, XXXX. I have no issues with XXXX and XXXX. 

For Equifax, starting XX/XX/XXXX, I was not able to login to the myEquifax account. I called them many times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, each time after a long wait to get some real person to talk to and they promise to escalate the issue with the proper department to have it fixed, but the issue persist, and I can not login to the myEquifax account. I tried to reset password, register a new account with different email address et al, as suggested by many online complaints about myEquifax, none of them work. To this day, I still not able to login the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation