vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Received following text message from XXXX ( XXXX ) XXXX on XX/XX/year>. I did not generate a withdrawal request & havent logged in to Coinbase app in several months. 

COIN BASE Withdrawal Code : XXXX. If you did NOT request this, contact me immediately at XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-12 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: PA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding the unauthorized and inaccurate negative items currently being reported on my credit file. These items remain unresolved, and I must reiterate my position as well as my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: WA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$2700.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$980.00} XXXX XXXX  - XXXX * * * * XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX  - XXXX * * * * XXXX - XX/XX/XXXX - {$24000.00} XXXX XXXX XXXXXXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$14000.00} XXXX XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$4900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-12 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: LA

Complaint narrative:
They did not fix an existing issue. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-05-12 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-12 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/year> a deposit was made into a Capital One Bank account in the amount of {$3700.00} by XXXX XXXX. This was an XXXX that was sent to the Capital One Bank into a closed account-in error. Because the account had debt-Capital One took the funds to satisfy the debt. The funds were sent in error-and Capital One was aware of this. In order to reverse the charges-Capital One had stated ( on a recorded line ) that they would have to be in direct contact with XXXX XXXX so that the deposit can be reversed. XXXX XXXX was provided with a phone number to contact Capital One Bank so that the payment can be reversed. Capital One has refused to reverse the deposit-due to the debt in the account. At any time-there was no court order provided specifically stating that they would legally confiscate my funds. This is an annuity- protected under law. Capital One bank can not directly seize an annuity to satisfy a debt without a court order. Annuities often have creditor protection, meaning they are shielded from creditors, including banks. I am requesting that my funds be sent back to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
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. 

XXXX - XX/XX/XXXX - {$420.00} XXXX XXXX XX/XX/XXXX - {$320.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX  XXXX XX/XX/XXXX - {$360.00} XXXX XXXX - XX/XX/XXXX - {$2000.00} XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-05-12 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: TX

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. 

XXXX - XX/XX/XXXX - {$420.00} XXXX XXXX XX/XX/XXXX - {$320.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX  XXXX XX/XX/XXXX - {$360.00} XXXX XXXX - XX/XX/XXXX - {$2000.00} XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize this inquiry and have had no communication with the lender on the specified date

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC
State: CA

Complaint narrative:
To whom it may concern : I contacted Jefferson Capital Systems LLC via mail on XX/XX/year> regarding a debt verification. The letter was delivered on XX/XX/year>. Jefferson Capital Systems LLC has placed a negative debt collection on my credit report to all three major credit bureaus and has now failed to respond to my request to verify the debt with a thirty-day time period. Per the FCRA due to the lack of response by Jefferson Capital Systems LLC with thirty-days the debt being reported by them should be immediately deleted from my credit report with all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/25 XXXX XXXX XXXX XX/XX/25

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 2025-05-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
This debt has been disputed in accordance with the FDCPA. The debt collector failed to validate the debt. All attachments, amendments and docs were requested. In addition to a chain of title and other documents. The dispute period has passed. The debt collector misrepresented themselves as " XXXX XXXX " in order to gain access to sensitive and personal financial information. XXXX attempted to collect payments despite the dispute period expiring. Navient and previous servicers have been unable to validate the debt. They just sell the debt to someone else or change servicer and increase the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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 disputing a XXXX account ( account # XXXX ) that was closed in XX/XX/XXXX. However, it continues to report late payments in XXXX and XX/XX/XXXX. It is illegal to report new delinquencies on a closed account. This is a false and misleading entry and a clear violation of the Fair Credit Reporting Act. I request its immediate deletion.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate and harmful credit reporting by TransUnion related to my federal student loans serviced by Aidvantage. Despite my long history of financial responsibilityincluding never missing a payment in my adult lifemy credit score has dropped significantly due to a delinquency that was reported without my knowledge or fault. 

I first discovered this issue in early XX/XX/2025, when I was attempting to purchase a vehicle and noticed that my credit score had dropped unexpectedly. Upon further investigation, I found that TransUnion was reporting my student loan as delinquent. I immediately contacted the loan servicer and was shocked to learn that they had the wrong address, phone number, and email address on file for me. Because of this, I never received any notices regarding a due paymentnot by mail, email, phone, or text. 

After logging into the servicers website, I learned that there were XXXX delinquency notices on my accountall of which I had never received. The loan servicer only has the correct contact information now because I manually updated it myself after discovering the issue. At no point did they attempt to correct their records or notify me through any alternative method. Currently, my loans are in forbearance, and the servicer has since provided me a letter stating my account is in good standing, which I submitted to TransUnion in a formal dispute. Despite this clear evidence, TransUnion denied my dispute and continues to report inaccurate information that is harming my credit. 

To be clear, I have always taken my financial obligations seriously. I recently purchased a home and paid off a vehicle, and my credit score was in the XXXX before this incident. I had plans to refinance my home at the end of XXXX, and this inaccurate reporting has not only derailed my car purchase but could seriously impact my future mortgage plans. 

I have taken every reasonable step to resolve this matter : -I contacted the loan servicer and requested proof of my account status. 

-I updated my contact information and reviewed my account history. 

-I submitted the good standing letter to XXXX as part of a formal dispute. 

-I am currently in the process of obtaining a letter of good standing from my bank to further verify my financial track record. 

If this issue is not resolved promptly, I am prepared to escalate my complaint to the Federal Trade Commission ( FTC ) and pursue legal action under the Fair Credit Reporting Act, as this situation constitutes a failure to ensure accurate reporting and proper consumer notification. 

I respectfully request that this issue be thoroughly reviewed and that TransUnion be required to correct the inaccurate reporting immediately. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
I would like to file a complaint against EQUIFAX, and Experian based off multiple disputes I've made with Equifax and Experian I've been notified this disputed item being disputed is accurate. " XXXX XXXX '' I would like to request the method of validation the description of the procedure that was used to determine the accuracy, I request the documentation that you have on file which determines that this information is indeed 100 % accurate. if you spoken with someone over the phone who did you speak with to validate this account, when did you interview regarding the disputed account, what time did you speak, what number did you call, what did they say, what is the person name you spoken with? provide this information to me within 5 days or remove this from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
When reviewing my credit report, I found several accounts listed in my name that are inaccurate. According to the provisions of the Fair Credit Reporting Act XXXX ( a ) [ XXXX XXXX XXXX ( a ) ], these disputed items must be investigated or deleted from my credit record within XXXX  days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under XXXX which makes you financially liable for each inaccurate account. Also, under XXXX Section A is liability for willful non-compliance, your agency has yet to respond to my questions and statements of the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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