vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I discovered that my personal information was compromised in a national data breach. After reviewing my credit reports from Equifax, XXXX XXXX XXXX I found multiple accounts and inquiries that I'm not familiar with. 

I exercised my rights under the Fair Credit Reporting Act ( FCRA ) and submitted written disputes and requests for validation of these accounts to all XXXX  credit bureaus. To date, I have not received sufficient documentation or confirmation that these accounts are valid or belong to me. 

Because my personal data was exposed, I filed an identity theft report with the Federal Trade Commission ( FTC ) and have taken proactive steps to protect my credit and identity. 

I am requesting that all fraudulent accounts and inquiries be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ), which protects identity theft victims from continued reporting of unauthorized information. 

Supporting documentation is attached, including : A copy of my government-issued ID A copy of my FTC Identity Theft Report A copy of the National Data Breach ( NPD ) notification showing my data was compromised A copy of the debt validation letter sent to each bureau I respectfully ask the CFPB to review this matter and ensure that the credit bureaus comply with their obligations under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a debt that is owed and it is inaccurate. The amount owed is invalid due to Identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AP

Complaint narrative:
At all times related to this claim, I was an accountholder at a United States-based cryptocurrency exchange and licensed Money Services Business ( MSB ) Coinbase , Inc. , ( Coinbase ) and held in my account/wallet valuable cryptocurrency assets. Coinbase promotes itself as The most trusted cryptocurrency platform that is guided by Industry best practices and that Cryptocurrency stored on our servers is covered by our insurance policy. I was aware of and relied on those representations of security in storing my assets on Coinbases platform. Despite its self-promotion about how secure, reliable, and trustworthy its services are, though, customers assets at Coinbase are at risk of being fraudulently withdrawn -- something of which Coinbase is well aware but has not taken adequate steps to prevent or remedy.

Coinbase has had announced and unannounced breaches of data maintained on, and security of, its platform; leading to a variety of harms suffered by Coinbase account/wallet holders specific to my situation is support scams. Coinbase is responsible for securing its platform and all internal and external cryptocurrency payment rails, which serve as the infrastructure that facilitates the transfer of digital currencies between parties. In this case, Coinbase failed to secure data maintained on its platform and failed to properly inform me of my personally identifiable information being compromised. Coinbases failure to design and implement adequate security measures on its platform was a material factor in directly and/or proximately causing my loss. Commencing on or about XXXX XX/XX/year>, Coinbases falsely advertised, faulty security measures failed me ; and as a result, I suffered the loss of cryptocurrency from my account/wallet that was valued at the time at approximately {$30000.00} ( XXXX XXXX  ). 
I seek, among other things, restitution, compensatory damages, and equitable relief for the harm I have suffered, as I hold Coinbase accountable for platform breakdowns, failures in security design or implementation, and statutory/common law breaches that permitted/assisted the theft of the personal assets I held at Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: UPGRADE, INC.
State: MO

Complaint narrative:
XXXX central time XX/XX/year> Someone tried to apply for a loan on my account and it wasn't me. I want this removed. My emails have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I owed {$2000.00} from synchrony bank. A debt collector tried to pressure me to pay over the phone. We made agreement on XXXX XXXX, XXXX that my bank will be auto debited ( ACH Debit ) the amount of {$130.00} Decription in my bank XXXX SYNHCRONY PAYMENT XXXX TEL ID : XXXX. 

We agreed that I pay $ XXXX from XX/XX/XXXX to XX/XX/XXXX the amount of {$130.00} to settle the account. But it stopped debiting on my bank since XX/XX/XXXX. My last payment was XX/XX/XXXX. I did have funds on my account fornthe succeeding months but it just stopped debiting and without calling me or sending me a letter what happened. Now they are sending me to pay again the whole balance {$2000.00} and they put you paid {$780.00} balance of {$1200.00} which is not agreed in the previous agreement. I am supposed to be done this month for this debt. This is clearly a fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I signed a contract with a lender for a new vehicle and days later I am seeing additional hard inquiries from other lenders that Honda completed without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I Was applying For A House and I seen that third party credit bureaus Had Reported False Information on my credit report According to 15 U.S.C. 1681, consumer reporting agencies should not furnish information about inquiries made in connection with a credit or insurance transaction that was not initiated by the consumer. As Of Many Dates Listed On The Report My Rights Have Been Violated Over & Over Again. please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
I Was applying For A House and I seen that third party credit bureaus Had Reported False Information on my credit report According to 15 U.S.C. 1681, consumer reporting agencies should not furnish information about inquiries made in connection with a credit or insurance transaction that was not initiated by the consumer. As Of Many Dates Listed On The Report My Rights Have Been Violated Over & Over Again. please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Collection of Canceled Debt and IRS Form 1099-C Omission Dear Federal Trade Commission , I am writing to file a formal complain. against XXXX XXXX, which has recently filed a fraudulent record on my Credit Report that they are the original creditor. I have never contracted with XXXX XXXX in any shape or form and they must immediately cease and desist furnishing false records to Equifax, XXXX, XXXX  and wherever else they can. The debt in question was classified by the original creditor as a bad debt and, to my understanding, was written of as was a victim of Identity theft when my information was stolen from hospital records. Despite this, XXXX XXXX has decided to ruin my credit by falsely claiming they own this debt and myself and them had entered into a contractual agreement at some point. This is false. This raise concerns under the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ), especially if this debt has been re-aged or reported incorrectly. Additionally, the original creditor never issued a Form XXXX ( Cancellation of Debt ), even though the amount exceeded {$600.00}. This form is required for tax reporting when a debt is canceled, and its absence has complicated my ability to accurately file my 1040 return and remain in compliance with IRS regulations. I am concerned that the sale and collection of a previously canceled debtwithout proper documentation or noticeis misleading and unfair. I request that this matter be reviewed and investigated. Attached are : Evidence of the nefarious reporting from this XXXX party debt collector with no contractual agreement between myself and them. Thank you for your attention to this matter and for helping to protect consumers from improper debt collection practices. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Collection of Canceled Debt and IRS Form 1099-C Omission Dear Federal Trade Commission , I am writing to file a formal complain. against XXXX XXXX, which has recently filed a fraudulent record on my Credit Report that they are the original creditor. I have never contracted with XXXX XXXX in any shape or form and they must immediately cease and desist furnishing false records to XXXX, TransUnion, XXXX  and wherever else they can. The debt in question was classified by the original creditor as a bad debt and, to my understanding, was written of as was a victim of Identity theft when my information was stolen from hospital records. Despite this, XXXX XXXX has decided to ruin my credit by falsely claiming they own this debt and myself and them had entered into a contractual agreement at some point. This is false. This raise concerns under the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ), especially if this debt has been re-aged or reported incorrectly. Additionally, the original creditor never issued a Form 1099-C ( Cancellation of Debt ), even though the amount exceeded {$600.00}. This form is required for tax reporting when a debt is canceled, and its absence has complicated my ability to accurately file my 1040 return and remain in compliance with IRS regulations. I am concerned that the sale and collection of a previously canceled debtwithout proper documentation or noticeis misleading and unfair. I request that this matter be reviewed and investigated. Attached are : Evidence of the nefarious reporting from this 3rd party debt collector with no contractual agreement between myself and them. Thank you for your attention to this matter and for helping to protect consumers from improper debt collection practices. Sincerely, 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 2025-08-05 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: IL

Complaint narrative:
Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Collection of Canceled Debt and IRS Form 1099-C Omission Dear Federal Trade Commission , I am writing to file a formal complain. against XXXX XXXX, which has recently filed a fraudulent record on my Credit Report that they are the original creditor. I have never contracted with XXXX XXXX in any shape or form and they must immediately cease and desist furnishing false records to XXXX, XXXX, Experian and wherever else they can. The debt in question was classified by the original creditor as a bad debt and, to my understanding, was written of as was a victim of Identity theft when my information was stolen from hospital records. Despite this, XXXX XXXX has decided to ruin my credit by falsely claiming they own this debt and myself and them had entered into a contractual agreement at some point. This is false. This raise concerns under the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ), especially if this debt has been re-aged or reported incorrectly. Additionally, the original creditor never issued a Form 1099-C ( Cancellation of Debt ), even though the amount exceeded {$600.00}. This form is required for tax reporting when a debt is canceled, and its absence has complicated my ability to accurately file my 1040 return and remain in compliance with IRS regulations. I am concerned that the sale and collection of a previously canceled debtwithout proper documentation or noticeis misleading and unfair. I request that this matter be reviewed and investigated. Attached are : Evidence of the nefarious reporting from this 3rd party debt collector with no contractual agreement between myself and them. Thank you for your attention to this matter and for helping to protect consumers from improper debt collection practices. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation