vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: DE

Complaint narrative:
On XX/XX/year> at XXXX XXXX  I received an email from XXXX that informed me that my cryptocurrency account had been restricted. The text of the email follows : Hi -, You currently have restrictions placed on your crypto account. Here are the details of the restrictions : Crypto - Withdrawals locked : You can no longer withdraw crypto from your crypto account. 
Crypto - Deposits locked : You can no longer deposit crypto to your crypto account. 
We want to inform you that these restrictions will remain permanently in place on your crypto account. 
The Robinhood team This was an unexplained and unwarranted action taken without any form of communication or explaination. 

Upon opening my Robinhood app I was met with a note saying that I had violated the customer cryptocurrency agreement in recent transactions but there was no further explanation as to what terms I violated or what transactions are in question. 

When pressed for information I was only told that this decision is final and nothing else was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

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 : support scams, penetrations of Coinbases platform leading to SIM swaps, failure to block blacklisted destination addresses, and account takeovers. 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 verify the authenticity and integrity of the cryptocurrency payment rail ( s ) that transferred cryptocurrency from my account/wallet to the destination address of the recipient of my stolen assets. Coinbases failure to design and implement adequate security measures on its platform and on the payment rails was a material factor in directly and/or proximately causing my loss. Commencing on or about XX/XX/XXXX through XX/XX/XXXX, 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 {>= $1,000,000}. 



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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: NY

Complaint narrative:
I was using XXXX 's internet service and paid in advance for each month. I prepaid for internet service on XX/XX/XXXX for the entirety of the month until XX/XX/XXXX. I canceled my service on XX/XX/year> because I moved from my apartment. I got a cancellation confirmation number of XXXX. The customer service representative said, verbatim : Lets talk about how this order effect your next bill since you are scheduled for disconnect on XX/XX/year>, Your estimated bill will be {$0.00} which includes your charges for the remaining days of service prior to your scheduled disconnect. '' I had no other charges/services on the account, and promptly returned the hardware. 

XXXX flagged my account as owing another month of internet fees ( {$69.00} ) despite my cancellation prior to the end of the billing month, and, despite many attempts to reach them and clarify and correct them, never responded to me. They sent my bill to collections and hurt my credit score by almost XXXX points. 

I disputed this charge with Experian to resolve the issue. Experian did not do anything to verify the correctness of XXXX 's charge even though this was the crux of the issue. Experian just took XXXX 's word for the charge. 

I would like XXXX to retract this erroneous charge from my credit report and for Experian to process my dispute correctly by actually demanding proof from XXXX that the charge is correct.

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 2025-08-15 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-15 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: FL

Complaint narrative:
I am a victim of Trafficking. The inquiries below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint. The inquiries listed below are a result of identity theft. 



XXXX. XXXX XXXX XXXX  DATE : XX/XX/year> XXXX. XXXX XXXX XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.SC. & 1681 c-2 ) which states that these inquiries must be removed within XXXX Business Days of receipt. 



I appreciate your prompt attention on this matter & thank you for taking the time to assist me & and I await your reply with sincere optimism. 

Kind Regards, 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 explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy and legality of the reporting for the XXXX XXXX XXXX account allegedly tied to XXXX XXXX XXXX. The information currently appearing on my credit file violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting guidelines. 

XXXX. Illegal Re-Aging Metro 2 & FCRA 623 ( a ) ( XXXX ) XXXX XXXX XXXX is reporting the Date Opened as XX/XX/XXXX, which is inconsistent with the true Date of First Delinquency ( DOFD ) from the original XXXX XXXX account. This deceptive update restarts the reporting period in violation of FCRA 623 ( a ) ( 5 ). Metro 2 guidelines require the DOFD to remain unchanged from the original creditor to any debt buyer.

2. Unverified Ownership FDCPA 809 XXXX XXXX XXXX is a debt buyer that merely states it purchased accounts. They have never provided validation proving this specific account belongs to me, including a bill of sale, assignment agreement, or original signed contract. They are not a credit card provider and have never rendered services to me. 

XXXX. Securitization & Trustee Standing Debt buyers frequently acquire pools of charged-off accounts that may have been securitized into asset-backed trusts before transfer. If securitization occurred, only the trustee of the trust has legal standing to enforce the debt. XXXX XXXX XXXX has not produced the XXXX and XXXX XXXX ( XXXX ) or trustee authorization, calling their right to report or collect into question. 

XXXX. Failure to Report with Maximum Accuracy FCRA 607 ( b ) The account shows : Recent status codes ( C for XXXX and XX/XX/XXXX ) with no actual payment activity. 

Incorrect Date Opened, misleading creditors into believing the debt is newer. 

Failure to reflect the true XXXX, which materially misrepresents the age of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-15 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: FL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries reflected in the " Inquiries Viewed by Others '' section of my Chex Systems consumer report. These inquiries were not authorized by me and stem from identity theft. Pursuant to 15 USC 1681c-2 ( a ), I request that you block and remove these fraudulent inquiries from my consumer file. 

The specific inquiries in question are as follows : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( via XXXX  XXXX ) Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  ( via XXXX  XXXX ) Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( via XXXX XXXX ) Inquiry Date : XX/XX/XXXX Pursuant to 15 USC 1681c-2 ( b ), Chex Systems is required to conduct an investigation and block the fraudulent information no later than XXXX business days after receiving proper documentation of identity theft. Attached to this letter, you will find the following documents to substantiate my claim : - A copy of my FTC Identity Theft Report - A copy of my police report - A copy of my government-issued identification As a victim of the XXXX  data breach, my personal information has been compromised, increasing my vulnerability to identity theft. I request that you comply with the requirements under the Fair Credit Reporting Act ( FCRA ) and promptly block these inquiries. 

Failure to comply with your obligations under the FCRA will result in escalation of this matter to the Consumer Financial Protection Bureau ( CFPB ) and other applicable regulatory agencies. I trust Chex Systems will act in good faith and follow the law to ensure the accuracy and integrity of my consumer report. 

Please confirm in writing once these inquiries have been blocked and provide a revised copy of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

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. 

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 XXXXXXXX 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 XXXX 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 2025-08-15 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: CA

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. 
I am filing this complaint against Transunion for their continued reporting of a late payment accounts on my credit report which are XXXX XXXX XXXX XXXXXXXX XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. 
I previously submitted a formal dispute regarding this inaccurate entry, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a XXXXreasonable ' reinvestigation. 
Further, under FCRA 607 ( b ), Transunion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that In light of the XXXX CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Transunion to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/XXXX, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal 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 2025-08-15 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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