vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
I submitted written dispute letters to all three major credit bureausEquifax, Experian, and TransUnionon XX/XX/year>2025, regarding inaccurate or outdated information appearing on my credit reports. I used certified mail and have proof that each bureau received my disputes. 

As of today, XX/XX/scrub> 2025, I have not received any written response, investigation results, or confirmation that my disputes are being handled. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and respond within 30 days of receipt. That deadline has now passed.

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 2025-07-20 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: NC

Complaint narrative:
I submitted written dispute letters to all three major credit bureausEquifax, Experian, and TransUnionon XX/XX/year>2025, regarding inaccurate or outdated information appearing on my credit reports. I used certified mail and have proof that each bureau received my disputes. 

As of today, XX/XX/scrub> 2025, I have not received any written response, investigation results, or confirmation that my disputes are being handled. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and respond within 30 days of receipt. That deadline has now passed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to this matter.

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 2025-07-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Submitted as a follow-up to my identity theft dispute originally submitted on XX/XX/2025 under FCRA XXXX XXXX As of today, XX/XX/2025, Experian has failed to comply with the Fair Credit Reporting Act and continues to report fraudulent accounts and unauthorized hard inquiries on my credit file, despite receiving a fully documented identity theft claim that meets all legal requirements under XXXX ( b ). I have attached proof from my XXXX  credit report showing the data has not been blocked. Furthermore, I have not received any written explanation or denial, which violates the bureaus obligation to respond per 605B ( c ) ( 2 ) ( B ). Under federal law, Experian was required to permanently block the fraudulent data within 4 business days of receiving my request and identity theft documentation, which included : a valid Identity Theft Report as defined under XXXX ( q ), a government-issued photo ID, proof of current address, and a signed statement identifying and disputing the fraudulent data. Fraudulent accounts that must be permanently blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Experian is in direct violation of the following provisions of the FCRA : 605B ( c ) ( 1 ) Failing to block the fraudulent information within 4 business days ; 605B ( c ) ( 2 ) ( B ) Failing to send a timely written notice explaining any refusal to block ; 605B ( d ) ( 1 ) Failing to notify furnishers that the data is disputed due to identity theft ; 605B ( e ) Continuing to report data with no material proof the block request was in error ; 607 ( a ) and 610 ( a ) Failing to maintain reasonable procedures for accuracy and dispute handling ; 602 ( a ) ( 1 ) and ( a ) ( 4 ) Undermining the purpose of fair and accurate credit reporting and disregarding my right to privacy. This is now a formal demand for enforcement. Experian has deliberately ignored a lawful 605B identity theft claim, despite receiving all required documentation. I am requesting immediate regulatory intervention and that Experian be compelled to : 1 ) permanently block all disputed items listed above, 2 ) issue a written confirmation that the block has been applied, per statute, and 3 ) be investigated for systemic failure to comply with FCRA identity theft obligations. If this matter is not resolved promptly, I am prepared to escalate further with the FTC, XXXX, state Attorney General, and consider private legal action under 616 and 617 of the FCRA for willful noncompliance and damages.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
TransUnion Equifax and Experian are reporting a fraudulent account as mine on all three reports. The item, XXXX XXXX XXXX is a fraudulent account setup from purchasing the account from XXXX, a closed company. I am providing my police report and have also done an FTC report substantiating this account as fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, DEPT OF EDUCATION/XXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, DEPT OF EDUCATION/XXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX BANK acct # XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXXXXXX XXXX  acct # XXXX, XXXX BANK XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX XXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, XXXX XXXX XXXX  acct # 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 2025-07-19 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:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, DEPT OF EDUCATION/XXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, DEPT OF EDUCATION/XXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX BANK acct # XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXXXXXX XXXX  acct # XXXX, XXXX BANK XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX XXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Account XXXX XXXX XXXX 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 XXXX 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 2025-07-19 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, DEPT OF EDUCATION/XXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, DEPT OF EDUCATION/XXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX BANK acct # XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXXXXXX XXXX  acct # XXXX, XXXX BANK XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX XXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, DEPT OF EDUCATIONXXXX acct # XXXX, XXXX XXXX XXXX  acct # 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
On the morning of XX/XX/XXXX, I received a notification on my phone from the paypal app that a transaction had been made on my account to XXXX XXXX XXXX. XXXX for the amount of XXXX, drawn via instant transfer from my bank account. 

This transaction was completely unfamiliar to me and it became clear that someone unauthorized had gained access to my account. Several other charges over {$1000.00} were attempted but declined by my bank. 
I marked the pending charge as fraudulent and received an email from Paypal the next morning that stated that paypal had determined that this transaction was authorized due to it being consistent with my account history. 

I contacted their support chat, who told me i needed to email their claim appeal department via email to request the documents used to make this determination, which I did. I removed all payment methods and contacted my bank to file a fraud claim. The bank closed my accounts and issued me a new one to restore security, Paypals chat support agent stated that it takes 3-5 days before this type of transaction clears and that when it does it will attempt to charge my bank account. If that fails, it will attempt to charge my backup payment method. If that fails, my paypal balance will become negative {$490.00}. Since my bank account t was closed and re-issued during the separate fraud claim with my bank and my cards have been cancelled and re-issued, this will result in a - {$490.00} balance due to fraud. As I understand it, this would open me up to legal action and collection efforts if I refuse to pay. 

I have requested all metadata about the transaction in question such as location, method ( browser, app, etc ) language, time of transaction. At the time of the transaction, paypal sent me a suspicious activity alert. I have requested information on what triggered that alert and how it was resolved. 
This indicates that paypal was aware that the transactions were suspicious or fraudulent and allowed them to go through anyway, and only marked them as authorized when I reported a problem when there was financial incentive in the form of dodging their responsibility to refund fraudulent transactions. 

At this time paypal has not yet responded to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of an unauthorize or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed al inquiry listed that I do not recognize or recall authorizing. 

Also I have a FTC.gov Report number XXXX The details of the inquiry in question are as follows : TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE HARD INQUIRIES in TransUnion XXXX XXXX XXXX  Not mine, Not authorized not verified

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 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Cashapp is freezing my account and holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: LEXISNEXIS
State: AZ

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

PHONE NUMBER- XXXX ADDRESS- XXXX XXXX XXXX XXXX AZ XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

PHONE NUMBER- XXXX ADDRESS- XXXX XXXX XXXX XXXX AZ XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
Account in Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$9100.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX, XXXX XXXX charged XXXX different charges on my wifes American Express even though she had a {$2000.00} limit per billing cycle limit.Total {$15000.00}. This wrecked my credit and launched us into divorce court. ( $ XXXX ) Ive phoned the XXXX XXXX & AMEX multiple times.to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: OH

Complaint narrative:
I am filing this complaint against Experian and Equifax regarding XXXX unauthorized credit accounts : XXXX from XXXX XXXX  and XXXX from XXXXXXXX XXXX XXXX. 

I submitted a valid FTC Identity Theft Report under FCRA 605B, along with my government-issued ID and proof of address, requesting both tradelines be permanently blocked as required by law. 

Despite this : Experian failed to block the XXXX account, and responded that my request may have been submitted in error, which is not only false but violates their obligation under 605B to block fraudulent tradelines within XXXX business days. 

Equifax reinserted the XXXX tradeline after it had previously been removed, without providing any written notice as required under FCRA 611 ( a ) ( 5 ) ( B ). Reinsertion without notice is unlawful. 

Both bureaus are now in non-compliance with the Fair Credit Reporting Act. I am requesting immediate enforcement action, and that both bureaus : Permanently block both accounts Cease reporting these accounts on any future update Provide confirmation of compliance with FCRA 605B and 611

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 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I was the victim of a cryptocurrency scam involving Coinbases communication system. A scammer contacted me claiming to be from Coinbase Security. They told me my account was at risk and urgently instructed me to set up a new wallet through XXXX to secure my funds. 

As part of this process, I received emails from XXXX, a legitimate Coinbase-branded address. This made the entire experience appear official, which is why I trusted the instructions. I followed their steps, set up the wallet, and wrote down the XXXX recovery phrase they told me to use. 

After transferring my funds into this new wallet ( believing I was protecting them ), the scammer used the recovery phrase to drain everything. 

The wallet address they gave me was : XXXX The total amount lost was {$6000.00} in crypto ( XXXX ). I have filed an FBI IC3 complaint with submission ID : XXXX. 

I contacted Coinbase support immediately, emailed their fraud and complaints departments, and posted publicly for escalation. So far, Ive received no resolution. 

Coinbase publicly stated in XX/XX/year> that they would investigate and reimburse cases involving social engineering and Coinbase-branded communication. I believe my case qualifies under that category and should be reviewed accordingly. 

Im asking for CFPBs help in getting Coinbase to take this seriously and issue a refund for what was taken from me under false pretenses.

Company response to consumer: Closed with explanation