vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted the company the company no longer own the account they sold the information to another creditor without authorization from me. I have a contract with third parties I dont know of. The information incorrect Child support XXXX Child support XXXX the balance incorrect. I will provide documentation of new balance the information reporting on XXXX XXXX Website is the wrong information XXXX XXXX XXXX XXXX XXXX also incorrect item I have any knowledge of XXXX sent numerous of letters to XXXX, Equifax, and XXXX to remove and delete this items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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 have been unable to access my cryptocurrency funds for several years due to Coinbases refusal to support my account or provide assistance, despite having all the necessary information. 

The issue stems from a transaction sent from my XXXX account to my XXXX XXXX on Coinbase. The transaction was mistakenly conducted on the XXXX ( XXXX XXXX XXXX ), when it should have been done on the XXXX chain. 

The transaction was successfully completed, and I can still see my funds, including {$1100.00} of my own funds, as well as {$13000.00} of my parents ' funds, floating in the wallet. Despite this, Coinbase refuses to help me recover access to them. I have the exact amount for my parents lump some, but for now will upload my personal documents, and hopefully we can combine the process considering it is around {$15000.00}. 

I am fully capable of verifying my ownership of these assets and have consistently provided the required details, including my account address and proof of identification. 

Coinbase 100 % has the technical capability to assist methey can import my private keys to a wallet such as XXXX or another compatible platform to restore access to my funds. Even though the funds are stored in their custodial wallet, Coinbases systems allow them to access the private keys associated with my wallet and use them to facilitate recovery. In other words, they can help me import the private keys associated with my XXXXXXXX XXXXXXXX to an external wallet like XXXX, granting me direct control over my assets. 

However, despite this technical ability, Coinbase has chosen not to provide the necessary support to help me recover my funds. This refusal does not appear to be based on any legitimate security concerns or regulatory restrictions, but rather an arbitrary decision to withhold assistance, even when I am entitled to access my own assets. As a result, I have been left without recourse for resolving this issue, which has caused significant financial distress, including for my parents. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-10 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account XXXX XXXX XXXX XXXX Account XXXX  : XXXX count XXXX : XXXX  Account XXXX : XXXX Account XXXX : XXXX Account XXXX : XXXX Account XXXX : XXXX XXXX Account XXXX : XXXX Account XXXX XXXX XXXX XXXX  Account XXXX : XXXX Account XXXX : XXXX XXXX Account XXXX XXXX  XXXX Account XXXX : XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account XXXX XXXX  XXXX XXXX  Account XXXX  : XXXX count XXXX  : XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXXXXXX : XXXX Account XXXX : XXXX XXXX Account XXXX  : XXXX Account XXXX  : XXXX XXXX  Account XXXX : XXXX Account XXXX : XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account XXXX  : XXXX XXXX XXXX Account XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY

Complaint narrative:
I took out a loan at the end of XXXX to go to XXXX XXXX through XXXX XXXX. After graduation, I was hired by the school and I worked for XXXX years for them. In agreeing to the XXXX years they took over my accounts and paid my loan/tuition in full to XXXX XXXXt. XXXX - XXXX my loan ( which had been paid in full ) was transferred to Kinum debit collection. They contacted me and tried to collect this debit. After the first phone call, I reached out to XXXX XXXX and was assured they paid any remaining debts. XXXX XXXX XXXX XXXX  years ago this showed back up on my credit report that I still owed Kinum the whole amount of my original loan plus interest. I disputed this through XXXX and appx XXXX days later this was removed from my credit report and I have not heard anything from Kinum since XXXX Appx XXXX  month ago on my XXXX credit report this same account returned to my report showing owing a new balance and that nothing had been paid since XX/XX/XXXX. This account had been paid in full back in XXXX. I tired to contact Kinum they asked me for proof of payment, I emailed them all the documents I have from XXXX XXXX and XXXX XXXX showing the debit being paid in full, and since then Kinium has not answered any phone call from me, and the male I had been talking to " no longer works there. '' I don't know what to do anymore. This debit was paid in full years ago. I don't know why it is back on my credit report. Kinum refuses to talk to me. This was paid in full by a contract I signed and fulfilled back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my updated credit report, I am appalled at Experians repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in full compliance with federal law. 

Experians negligence and irresponsibility to remove these unauthorized inquiries is costing me and my family to suffer for me to provide them a better life. 

As a XXXX XXXX and father, I carry the heavy responsibility of providing for my family, but these fraudulent entries have severely hindered my ability to achieve financial stability. This is more than just a disputeit reflects the systemic barriers I continue to face while trying to secure a better future for my household. Under 15 U.S. Code 1681c2, Experian is legally required to block all fraudulent information within XXXX business days of receiving my identity theft documentation. Your failure to comply has violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : XXXX XXXX  Account Number : XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX2019 Unauthorized Hard Inquiries : XXXX XXXX - XX/XX/XXXX2023, XX/XX/XXXX2023, XX/XX/XXXX2023 GLOBAL LENDING SERVICES- XX/XX/XXXX2023, 0XX/XX/XXXX2023, XXXXXX/XX/XXXX2023, XXXXXX/XX/XXXX2023 XXXX XXXX XXXX XXXX - XX/XX/XXXX2023, XX/XX/XXXX2023, XX/XX/XXXX2023 SXXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023, XXXX2023 XXXX XXXX XXXX- XX/XX/XXXX/2023 XXXX XXXXXXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX2023 XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX- XX/XX/XXXX2023 XXXX XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX2023 XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX  - XXXX/XXXX/2023 XXXX XXXX PR XXXX XXXX/XXXX/2023 XXXX XXXX - XX/XX/XXXX/2023 XXXX XXXX XXXX XXXX - XX/XX/XXXX/2023 XXXX XXXX XXXX  - XX/XX/XXXX/2023 Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above XXXX XXXX must adhere to 15 U.S. Code 1681c-2 by blocking the entries within XXXX business days of receiving this complaint. Experians continued inaction has already caused harm and is a direct violation of my rights under the FCRA. 

For violating my rights, I request you send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my updated credit report, I am appalled at Experians repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in full compliance with federal law. 

XXXX negligence and irresponsibility to remove these unauthorized inquiries is costing me and my family to suffer for me to provide them a better life. 

As a XXXX XXXX and father, I carry the heavy responsibility of providing for my family, but these fraudulent entries have severely hindered my ability to achieve financial stability. This is more than just a disputeit reflects the systemic barriers I continue to face while trying to secure a better future for my household. Under 15 U.S. Code 1681c2, Experian is legally required to block all fraudulent information within XXXX business days of receiving my identity theft documentation. Your failure to comply has violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : CAPITAL ONE/WMT Account Number : XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX/2019 Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX/2023, XXXX/XXXX/2023, XX/XX/XXXX/2023 XXXX XXXX XXXX- XX/XX/XXXX/2023, XXXX/XXXX/2023, XX/XX/XXXX/2023, XXXX/XXXX/2023 XXXX XXXX XXXX XXXX - XX/XX/XXXX/2023, XX/XX/XXXX2023, XXXX/XXXX/2023 XXXX XXXX XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX XXXX XX/XX/XXXX/2023, XXXX/XXXX/2023 XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX - XXXX - XXXX/XXXX/2023 XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX/2023 XXXX XXXX XXXX- XXXX/XXXX/2023 XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXXXXXX XXXX - XX/XX/XXXX/2023 XXXX XXXX XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX XXXX XXXX XXXX2023 XXXXlease immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above XXXX XXXX must adhere to 15 U.S. Code 1681c-2 by blocking the entries within XXXX business days of receiving this complaint. Experians continued inaction has already caused harm and is a direct violation of my rights under the FCRA. 

For violating my rights, I request you send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-01-10 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: TX

Complaint narrative:
My disputes with Experian, XXXX, and XXXX are not being taken seriously. I have clearly outlined my personal information, such as my name and address, in my dispute letters, yet there are still numerous incorrect variations of my name and addresses listed that do not belong to me. 

My only name is : XXXX XXXX XXXX My only Employment title is : XXXX XXXX XXXX XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following items are inaccurate and DO NOT pertain to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( listed twice ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, XXXX, TX, XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, 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 2025-01-10 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: EQUIFAX, INC.
State: GA

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: GA

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

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

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

Company 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 2025-01-10 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX, XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

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 2025-01-10 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: GA

Complaint narrative:
XXXX is being reported as late payments on my account but the account is currently under investigation for its authentication because I am sure I am not the owner of this given account. I need the reporting to reflect such data. I need the late payments as well as the account to removed while pending its investigation. XXXX has stopped reporting but the bureaus have not updated and taken the late payment from my report.

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