vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed a fraudulent account.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE REVIEWED MY CREDIT PROFILE AND NOTICED THERE WERE ACCOUNTS THAT WERE ILLEGALLY REINSERTED ONTO MY PROFILE AFTER BEING DELETED AND INACCURATE CREDIT REPORTING INFORMATION BETWEEN XXXX, EQUIFAX AND XXXX. THE ACCOUNTS LISTED BELOW HAS BEEN DELETED AND REMOVED FROM MY CREDIT PROFILE FROM EQUIFAX AND XXXX  AND HAS NOT BEEN REINSERTED AFTER INVESTIGATION. HOW IS IT THAT XXXX  HAS NOT REMOVED THESE ACCOUNTS THAT HAVE BEEN DELETED FROM ALL CREDIT BUREAUS? THIS IS IN DIRECT VIOLATION OF FCRA 15 U.S. Code 1681i ( a ) ( 5 ) and 1681e ( b ) and FCRA USC 1681 Section 611 ( a ) ( 1 ) ( A ), ( a ) ( 1 ) ( B ), ( a ) ( 5 ) ( B ). I DEMAND THESE ACCOUNT BE REMOVED WITHIN 2 BUSINESS DAYS. 
XXXX. XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account was disputed by the account holder and a decision was made by Experian to remove the item. It came back on the account a few weeks later. Reinvestigated item removed then comes back on affecting my credit.

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 2025-08-08 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.

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REPORTING ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
In XXXX, a transaction was sent to my Coinbase account using the email address I originally registered with. Everything was working fine then. But in XXXX, when I tried to log back into my account, I was told my password was incorrect even though I had it securely saved. 

When I tried the Forgot Password option, it didnt work. Out of frustration, I mistakenly clicked on Create XXXX Account. After doing that, Coinbase sent me an email saying Account already exists and provided a link to log in. But when I followed the link, it still took me to an empty new account with no funds or transaction history. 

When I contacted Coinbase XXXX, I explained everything. They claimed that this account was created in XX/XX/XXXX and said that another email ( starting with " D '' ) was associated with my funds. I have never used that email. Despite multiple support chats, no one resolved anything they just kept repeating the same explanation without helping me recover my original account. 

The most concerning part is that XXXX own email admitted that the account already existed, yet I was directed to a new, empty account. I was also told that they cant do anything because my old account was deleted, which I never requested or approved. 

I also asked them to trace the XXXX transaction, but they demanded a transaction hash. The sending app ( XXXX XXXX ) handles withdrawals manually and doesnt provide a transaction hash in-app. They process it via email and wallet-to-wallet. 

This entire situation feels suspicious and points to a possible system failure or internal issue at Coinbase. My funds are gone, and Ive received no help from support despite clearly proving that this is the same email address I originally used. Im reporting this now because I believe there may be fraud or serious mishandling of user data occurring. 

Received date, XXXX XX/XX/XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AMOUNT OF XXXX  XXXX - XXXX, PAYMENT METHOD EMAIL, FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I made multiple payments totaling approximately XXXX XXXX XXXX XXXX XXXXXXXX, an online casino operating illegally in XXXX XXXX XXXX XXXX The individual transactions ranged from {$0.00} to {$190.00} and occurred on various dates including XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. 
On XX/XX/year>, after discovering that online casino gambling is illegal in XXXX XXXX XXXXXXXX, I filed multiple chargeback disputes with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX transactions. I provided evidence that XXXX  XXXX was operating illegally in XXXX  and that their website acknowledges XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year>, I made multiple payments totaling approximately XXXX XXXX XXXX XXXX XXXXXXXX, an online casino operating illegally in XXXX XXXX XXXX XXXX XXXX XXXX XXXX own Terms & Conditions explicitly acknowledge restrictions on XXXX XXXX  residents, yet they continued to accept payments from my XXXX XXXX XXXX XXXX  account XXXX 
On XX/XX/year>, after discovering that online casino gambling is illegal in XXXX XXXX  XXXX, I filed multiple chargeback disputes with XXXX XXXX foXXXX XXXX XXXX XXXXXXXX transactions. I provided evidence including XXXX XXXX XXXX  own Terms & Conditions showing they can not legally serve XXXX XXXX residents. 
Despite this clear evidence that XXXX XXXXXXXX knowingly processed payments for services they could not legally provide to me, XXXX XXXX has XXXX denied my dispute claims. '' XXXX XXXX XXXX XXXX of all dispute claims on XX/XX/year>, and began investigations into each transaction. Despite the clear evidence that these transactions were for gambling services that could not legally be provided to XXXX XXXX residents, XXXX XXXX has failed to properly resolve these disputes in my favor. 
I paid for gambling services that were explicitly illegal in my jurisdiction. XXXX XXXX XXXX XXXX to reverse these charges appears improper given that I paid for services that could not legally be provided to me as a XXXX  XXXX XXXX XXXX I am seeking recovery of all funds paid to this illegal gambling operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact details of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the XXXX period mandated by law. This failure to respond constitutes a clear violation of my rights under the 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-08 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: NV

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXXXX/XX/XXXX - {$19000.00} XXXX XXXXXXXX - XX/XX/XXXX - {$19.00} XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXXXXXX - XX/XX/XXXX - {$36000.00} XXXX XXXX XX/XX/XXXX - {$1900.00} XXXX XXXX - XX/XX/XXXX - {$7100.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$39000.00} XXXX XXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$3300.00} XXXX - XX/XX/XXXX - {$2200.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 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 2025-08-08 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: NV

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXXXX/XX/XXXX - {$19000.00} XXXX XXXXXXXX - XX/XX/XXXX - {$19.00} XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXXXXXX - XX/XX/XXXX - {$36000.00} XXXX XXXX XX/XX/XXXX - {$1900.00} XXXX XXXX - XX/XX/XXXX - {$7100.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$39000.00} XXXX XXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$3300.00} XXXX - XX/XX/XXXX - {$2200.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( EXPERIAN, XXXX XXXX XXXX XXXX XXXX  Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-08 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:
FORMAL NOTICE OF DISPUTE & DEMAND FOR DEBT CLEARANCE From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To : XXXX XXXXXXXX XXXX  Credit Card XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Re : Formal Dispute of Alleged Debt and Demand for Immediate Remedy Dear Compliance XXXX, This letter serves as my formal notice of dispute regarding any and all alleged debts or accounts claimed to be associated with my name, estate, or Social Security number by XXXX XXXX XXXX  or any affiliated collectors. 

Upon detailed review, your agency has violated multiple federal statutes, which renders your claim legally unenforceable and subject to penalties. 

Violations Noted : XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. 
No proper validation or original contract has been provided upon request. Misrepresentation of the debt constitutes a clear violation. 
XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Reporting alleged debts to credit bureaus without verification is unlawful and constitutes willful damage to my reputation and financial standing. 
XXXX. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. 
Failure to disclose key lending terms, interest obligations, and failure to provide signed documentation breaches federal law. 
XXXX. Case Law Supporting This Position : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Additionally, you have failed to provide : A wet-ink signature contract establishing lawful obligation ; A full chain of assignment/title showing lawful ownership of the alleged debt ; Verified accounting records in accordance with GAAP standards. 



DEMAND FOR REMEDY : You are hereby demanded to : Cease and desist all collection attempts, correspondence, or calls related to this matter ; Clear and discharge all alleged debts associated with my name, estate, or XXXX ; Remove all tradelines related to this account from XXXX, Experian, and XXXX  ; Provide written confirmation of said discharge and tradeline deletion within XXXX  days of receipt of this letter. 



Failure to comply will result in immediate legal action for damages under the above-mentioned federal statutes and relevant state consumer protection laws. All rights are expressly reserved, without prejudice ( UCC 1-308 ). 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
FORMAL NOTICE OF DISPUTE & DEMAND FOR DEBT CLEARANCE From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX Attn : Compliance Department XXXX XXXX XXXX XXXX. 
XXXX XXXX, SD XXXX Date : XX/XX/XXXX Re : Formal Dispute of Alleged Debt and Demand for Immediate Remedy Dear Compliance Officer, This letter serves as my formal notice of dispute regarding any and all alleged debts or accounts claimed to be associated with my name, estate, or Social Security number by XXXX XXXX XXXX  or any affiliated collectors. 

Upon detailed review, your agency has violated multiple federal statutes, which renders your claim legally unenforceable and subject to penalties. 

Violations Noted : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

No proper validation or original contract has been provided upon request. Misrepresentation of the debt constitutes a clear violation.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Reporting alleged debts to credit bureaus without verification is unlawful and constitutes willful damage to my reputation and financial standing.

3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

Failure to disclose key lending terms, interest obligations, and failure to provide signed documentation breaches federal law.

XXXX. Case Law Supporting This Position : XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) Additionally, you have failed to provide : A wet-ink signature contract establishing lawful obligation ; A full chain of assignment/title showing lawful ownership of the alleged debt ; Verified accounting records in accordance with GAAP standards. 



DEMAND FOR REMEDY : You are hereby demanded to : Cease and desist all collection attempts, correspondence, or calls related to this matter ; Clear and discharge all alleged debts associated with my name, estate, or SSN ; Remove all tradelines related to this account from Equifax, XXXX, and XXXX  ; Provide written confirmation of said discharge and tradeline deletion within 30 days of receipt of this letter. 



Failure to comply will result in immediate legal action for damages under the above-mentioned federal statutes and relevant state consumer protection laws. All rights are expressly reserved, without prejudice ( UCC 1-308 ). 

Respectfully, XXXX XXXX XXXX Beneficiary & Secured Party Creditor XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief