vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-30 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: LA

Complaint narrative:
This is a formal notice and escalation regarding my previous complaint filed against Equifax on the Consumer Financial Protection Bureau platform, and through written dispute channels under the Fair Credit Reporting Act ( FCRA ). As of today, Equifax has failed to respond within the required 30-day dispute timeline, and has also exceeded the 15-day CFPB response window, which constitutes a willful noncompliance with federal consumer protection laws. 

Despite receiving my original dispute, Equifax has : Failed to respond or provide any written reinvestigation results within 30 days under FCRA 1681i ( a ) ( 1 ) ( A ) Failed to verify or correct the disputed accounts, which are neither accurate nor properly authorized to be reported Reinserted accounts that were previously removed, in violation of FCRA 1681i ( a ) ( 5 ) ( B ), which requires consumer notice and certification from the furnisher prior to reinsertion The following items remain unresolved and are being reported in error XXXX XXXX XXXX XXXX XXXX Conflicting balances across bureaus and no signed documentation. 

XXXX. XXXX XXXX XXXX validation, agreement, or billing history provided. 

XXXX XXXX XXXX supporting records or breakdown for alleged utility debt. 

XXXX XXXX XXXX XXXX XXXX inaccurate student loan tradelines with no disbursement or promissory notes ; XXXX failed to respond to validation requests. 

XXXX XXXX  XXXX XXXX XXXX XXXX reporting status, showing both charged off and open simultaneously. 

XXXX XXXX XXXXXXXX XXXX Still reporting balances on accounts XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX  XXXX XXXX  XXXX record was obtained through a XXXX vendor, not the court itself, which has never authorized credit bureaus to report this information. This is unverifiable and should be deleted under FCRA 1681e ( b ) and 1681i.

I remind Equifax that under the law : Any account that can not be verified must be deleted ( FCRA 1681i ( a ) ( 5 ) ) Reinserted accounts require written notice within 5 business days ( FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) ) No data may be reported if the bureau lacks a reasonable procedure to ensure accuracy ( FCRA 1681e ( b ) ) Furthermore, I have provided documented proof that these accounts were previously removed from other bureaus and Equifax itself, confirming they are unverifiable and unlawfully reinserted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: IL

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-07-30 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: IL

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-07-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history.

I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved.

These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I am filing a complaint against Milestone Credit Card ( issued by XXXX XXXX XXXX XXXX  ) due to the abrupt and unjustified closure of my newly approved account, poor communication, and damaging impact to my credit.

I applied for a Milestone credit card in early XX/XX/year> and was approved shortly after. I received the card in the mail, registered my account, and made my first purchase on XX/XX/XXXX. Upon registering, I also updated my mailing address on file. 

The very next day, I found that I was unable to use the card. I called customer service and was told that my account had been placed on hold pending identity verification. I was instructed to upload a photo of my drivers license using a link they provided, which I completed last week. I took a clear, direct photo of my unaltered ID, as requested.

Today, I checked my account and saw that it appeared to be in good standing. I attempted to use the card, but it was declined again. I called customer service and was informed that my account had been permanently closed because my ID " did not meet the criteria '' and " appeared altered. '' I was not notified of this closure or given any opportunity to explain or resubmit my verification documents.

This action was taken without warning, without speaking to me directly, and has resulted in a negative mark on my credit report. I find this deeply concerning, especially considering I complied fully with their verification process and used my real, valid ID.

I am requesting that the CFPB investigate Milestone Credit Card and XXXX XXXX XXXX XXXX for : Failure to properly and fairly review identity documentation Closing an account without notifying or communicating with the consumer Causing unnecessary damage to my credit without justification Mishandling identity verification in a discriminatory or automated fashion without due diligence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
Applications were submitted in my name that I did not authorize or recognize. These fraudulent inquiries resulted in multiple companies pulling my credit report without my consent, which has negatively impacted my credit score.

I previously contacted the credit bureau and was informed by a representative that these inquiries would be removed. However, they still appear on my report, and the continued presence of these unauthorized inquiries is causing me significant and unnecessary stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX OPEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/year>2025, unauthorized transactions occurred on my Coinbase account after my phone was stolen around XXXX XXXX  Central Time. Several XXXX transactions took place between XXXX XXXX  and XXXX XXXX, including one for {$590.00} XXXX sent to another Coinbase account ( ref : XXXX ). These were not authorized by me. A police report ( XXXX XXXX # XXXX ) and case submission reference # XXXX were filed. 

I immediately attempted to recover the account, but Coinbases support portal blocked my access due to the phone being stolen. I emailed support @ XXXX  and attempted to access the account but was redirected repeatedly to the same inaccessible verification loop. 

On XX/XX/XXXX, Coinbase confirmed receipt of my report and said it was escalated. Days later, I received an auto-response falsely stating I hadnt replied. I responded again with screenshots proving otherwise. 

On XX/XX/XXXX, Coinbase stated that the unauthorized activity originated from the same device, meaning the stolen phone. They acknowledged the {$590.00} transfer was an internal transfer to another Coinbase account, which should fall under Coinbase 's XXXX controls . Despite this, their final response refused responsibility and dismissed it as an external, irreversible blockchain transaction, contradicting their own internal transfer confirmation. 

I have since requested clarification about the contradiction and asked whether an investigation into the receiving Coinbase account had taken place. I have received no response and the case was quietly marked as resolved. Im filing this complaint because Coinbase failed to provide a coherent explanation, blocked support access during a verified account breach, and continues to contradict itself about whether this was internal and traceable or external and irreversible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MS

Complaint narrative:
Dear Equifax I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. I did not authorize XXXX XXXX to access or pull my credit file, and I have no current or past relationship with them that would justify this inquiry. 

The hard inquiry in question is listed as follows : Company Name : XXXX XXXX  Date of Inquiry : XX/XX/year>2023 Reported By : EQUIFAX According to the Fair Credit Reporting Act ( FCRA ), only authorized parties may perform a hard inquiry on a consumers credit report. Since I did not grant permission for this inquiry, I am requesting that it be removed from my credit file immediately.

Please conduct an investigation into this matter and provide me with written confirmation of the outcome. I have enclosed a copy of my credit report with the disputed inquiry highlighted, along with identification documents to verify my identity.

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I traded in a XXXX XXXX XXXX for another car with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The loan for the XXXX was through XXXX XXXX. As of yesterday I started receiving late payment notices for the XXXX. I logged in to my XXXX XXXX account and found it was still active along with seeing a late notice on the dashboard. I contacted XXXX support and reviewed the account with a representative. The XXXX representative stated the check, from XXXX XXXX XXXX XXXX XXXX, for the payoff of the XXXX XXXX has not been received yet. She stated to contacted XXXX XXXX and ask for a check number. 

I contacted XXXX XXXX XXXX department. The representative stated they have a receipt from 6 days ago ( XX/XX/XXXX ) for the payoff transaction. He sent me an email with the receipt attached. 

I contacted XXXX XXXX once more and provided the update along with the request to close the account to prevent any impact to my personal credit score. They repeatedly stated there is no history of said transaction in their system and they can not manage the account. After several minutes of going back and forth with the XXXX representative, I requested to speak with a supervisor. However, the representative ended the call abruptly and before I could speak with anyone else. 

I really need to have this issue addressed and resolved, as well as have the most recent representative reprimanded for their poor customer service. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NJ

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

Company 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 2025-07-30 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief