vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
I am writing this letter in reference to my previous dispute XXXX submitted to your agency on XX/XX/XXXX. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries. 

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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
b"On Thursday, XXXX XXXX XXXX I received a call from someone saying they were with law enforcement in my state & that because of the fact that I missed jury duty, that a warrant was put out for my arrest. I advised that I had not gotten a summons for jury duty. The person told me that the summons was sent to the address that happened to be my parent's house and although I do not live in the same city as my parents, since they gave the correct address, I believed them. I asked what I needed to do to get this issue cleared up and I was transferred to the number XXXX  which I was told was the XXXX XXXX Sheriff Dept. and that is where my parents live. The person there identified themselves as an employee of that office & told me in order to clear the warrant, I had pay XXXX I was not aware, at the time, that none of this was true so I did what I thought was the right thing & sent XXXX  via Zelle, tXXXX XXXX XXXX XXXX After I did this, I was talking to my mother about whether a summons was sent that maybe they forgot to tell me about or maybe they hadn't gotten it out the mail, & that is when my mom told me that must have been a scam. I immediately contacted my bank, XXXX to try to cancel the transaction, but it had already cleared. I filed a dispute, closed my card & froze my account. I file a police report. My bank has since told me, they can't recover the funds or give me my money back."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
My name is XXXX XXXX In XX/XX/year>, my sister XXXX XXXX purchased 7 Western Union money orders totaling {$5900.00}, which I deposited into my XXXX XXXX  through XXXX XXXX  mobile App account because there are no local branches near me in California. 

XXXX XXXX initially accepted the deposits, but a few days later they closed my account, ended the relationship, and sent me a check with the balance I had before depositing the money orders. They did not return the {$5900.00} and claimed the funds were returned to Western Union. 

I contacted Western Union and submitted all the notarized documents they requested three separate times to open an investigation. After months of back-and-forth, Western Union now claims that XXXX XXXX kept the money , while XXXX XXXX insists the money was returned to Western Union. 

At this point, {$5900.00} is missing, and neither party is taking responsibility. I have all necessary documentation, including MTCN numbers, and written communications with WN, and XXXX XXXX statements. I am requesting assistance in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MA

Complaint narrative:
These hard inquiries doesnt belong to me XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-19 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: MA

Complaint narrative:
These hard inquiries doesnt belong to me XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have been calling Expn from XXXX XXXX to XX/XX/year>. I have made over a dozen phone calls to, XXXX and XXXX all I get is an automated message saying the call can not be transferred. The automated keeps pointing back to the website for help. I have been trying to register for an Expn account and keep getting an error message saying opps, we're sorry, We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX I am unable to do anything or contact anyone.

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 2025-05-19 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
according to the fair credit report act frca 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report thank you NCB Mangament services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
All three credit bureaus validated all inaccurate reports when the law states otherwise

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 2025-05-19 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: IL

Complaint narrative:
All three credit bureaus validated all inaccurate reports when the law states otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
They never responded to my request, so I decided to call about the matter and the agents just continued to avoid my questions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I have been a long-time user of Coinbase and have generally found the platform to be reliable. However, I am writing to formally raise a complaint regarding an ongoing issue with my account access. 

In early XXXX, I received a text message alert indicating that there was an unauthorized attempt to access my Coinbase account. In response, I immediately froze my account using the Coinbase mobile app to safeguard my digital assets. 

Since then, I have submitted multiple forms of identification, including my drivers license, to verify my identity and unlock my profile. I have also contacted Coinbase customer support several times and reset my password on multiple occasionsyet I remain locked out of my account. 

Despite my continued efforts, I have been unable to regain access to my assets, and I now feel completely stuck. It is incredibly frustrating to be unable to view or manage my holdings, despite following every step requested by Coinbase support. 

While I understand and appreciate the need for strong security measures to protect customers from malicious actors, there must be a balanced and timely process in place to serve legitimate customers who are simply trying to regain access to their accounts. 

At this point, I am left with no other option but to escalate this matter through the CFPB in the hopes that it will lead to a resolution. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associate Account # XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AZ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX  TransUnion credit report on XX/XX/year> 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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 non-monetary relief
Consumer complaint received 2025-05-19 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: VA

Complaint narrative:
My Identity was stolen I never authorized or gave written authorization for any lines of credit. My information was exposed in the data breach. And other company breaches.

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 2025-05-19 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: VA

Complaint narrative:
My Identity was stolen I never authorized or gave written authorization for any lines of credit. My information was exposed in the data breach. And other company breaches.

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 2025-05-19 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: NV

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: FL

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 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 2025-05-19 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: OH

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MO

Complaint narrative:
I attend XXXX XXXX XXXX and I was promised that I would not have to make payments toward my student loans until after I graduated. I have had several instances where MOHELA contacts me about payments. I have deferred several times but still the payments show up on my account and now my account is in default status. I tried to call MOHELA to speak to a customer representative and the operator said the wait time was 10 minutes however, after I kept asking for a representative, the system would hang up on me. The only options provided are robotic operation choices on the customer service number, leaving no opportunity to speak to someone and figure out a solution. XX/XX/XXXX, I sent the second deferment notice to MOHELA. Yet, XX/XX/XXXX, MOHELA puts my account on default and has been sending me late payment notices since XX/XX/XXXX. I have been dealing with homeless issues so I havent been adamant on contacting them until I recently got settled with shelter for me and my daughter but since speaking to people, I have been told by Purdue and a FASFA rep that I will have to pay the interest that has accumulated since being billed by MOHELA, even though the loans should be deferred. This is not right and seems like a scam. Please help me contact MOHELA. IVE WAISTED HOURS OF TIME that I COULD BE WORKING ON SCHOOL WORK. This is causing me headaches and XXXX since I feel I am being played by an organization that was suppose to be helping me. I hope this issue is resolved. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime closed my account today XXXX with no reasoning. I collect paychecks from my job every Bi-weekly and no fraud activity as ever happened on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
I have previously submitted dispute letters to you regarding inaccurate and incomplete information on my credit report. Despite my efforts, I have not seen any changes to the information I disputed, nor any indication that a proper investigation was conducted. As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate all disputes and correct or remove any information that is inaccurate or incomplete. I am now submitting this complaint through the CFPB. Attached is the letter describing the details of my dispute for each negative account you are reporting. I ask that you review each item thoroughly and provide a timely response.

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 2025-05-19 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: IL

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