vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Global Equity Finance, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, XX/XX/year> I am submitting this complaint to report what I believe to be discriminatory lending practices by [ Global Equity Finance, during the process of securing a conventional loan in the amount of {$78000.00}. Closing is signed Wed, XX/XX/year> Now hes asking to take a picture of my back sliding door hes waiting for a picture with door open and a picture with the door closed he said its to make sure i have a door i ask should i get in the picture he said no we laughed. 

I am a full-time W-2 employee and applied for this loan using only my personal income. However, despite not being self-employed and not using any business income to qualify, I was asked to submit my Articles of Incorporation ( or Articles of Facts ) and related business documentation. To my knowledge, this request is not standard for applicants with my employment status and loan profile. 

When I inquired about the reason for this request, I did not receive a clear or valid underwriting explanation the underwritter always needs something even cleaning the yard and painting wall. I believe this extra scrutiny may have been based on [ your protected class e.g., race, gender, etc. ], rather than any legitimate financial reason. 

I am concerned that this treatment violates the Equal Credit Opportunity Act ( ECOA ) and possibly the Fair Housing Act, depending on the full context of the loan. 
I respectfully request that your agency investigate this matter, as I believe I was subject to different standards than other similarly qualified borrowers. 

I can provide additional documentation, communications, and loan file information upon request. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally file a complaint regarding the recent experience I had while trying to dispute an address that was incorrectly added to my Experian credit report. 

I attempted multiple times to contact Experian by phone, but the automated system repeatedly redirected me without allowing me to speak to a live representative. This system is not helpful when dealing with specific and urgent disputes, especially when it fails to understand or address the issue properly. 

Since I was unable to reach a live agent, I resorted to submitting a dispute online. However, I was not given an option to send my thoughts or ask a question, so I didnt get the chance to request that this address be removed. It was not included in the list of available dispute options. 

The only option I could select was Address isnt residential, which does not accurately reflect the problem. I needed the ability to indicate that the address does not belong to me at all. Unfortunately, that option was not available, and I was forced to proceed with a selection that did not match my concern. 

After submitting the dispute, I received a response in just a few minutes. Rather than addressing my concern, Experian simply changed the label on the address from Residential to RESIDENTIAL, which did nothing to resolve the core issue. 

This address does not belong to me, is not associated with any of my billing or mailing records, and should be removed from my credit file immediately. The lack of proper support, combined with a system that prevents consumers from explaining or disputing issues accurately, is unacceptable. 

Experian has agents available, but the current process makes it unclear how to reach them. Despite trying multiple phone options, I was repeatedly disconnected or rerouted by the automated system without any resolution. 

I request that this issue be reviewed again, that the incorrect address be removed from my credit file, and that clearer access to live dispute support be made available for cases like this.

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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed a dispute regarding inaccurate credit reporting, and Experian told the CFPB as of XX/XX/year> that they are still working on the issue. However, I received an email from Experian stating that the dispute results are ready, and provided a link to access the decision. This contradiction suggests Experian may be misrepresenting the status of my dispute to the CFPB while notifying me differently, potentially delaying resolution or avoiding regulatory. 
In the CFPB portal, the case still shows as in progress as of XX/XX/year>. This is misleading. Additionally, they continue to report XXXX or more derogatory accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX etc. ) that Ive disputed without providing proper verification. Other bureaus have already resolved these disputes. Experian failed to update the status correctly and is reporting unverifiable accounts.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. 

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 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: CA

Complaint narrative:
In 2023, I held approximately {$10000.00} USD in my Coinbase account. In XX/XX/year>, Coinbase claimed that the funds were transferred to the State of Wyoming as unclaimed property due to account inactivity. 

However, I never received any email, letter, notification, or in-app alert from Coinbase informing me of this action.

When I contacted the Wyoming Unclaimed Property Division, they confirmed in writing ( see attached screenshot ) that Coinbase did NOT send any money to them under my name.

As a result, my funds are neither in my account, nor with the state. Coinbase can not verify where the money went, nor have they taken responsibility. I consider this negligent handling of consumer funds and possibly misappropriation. 

I request the CFPB 's help in recovering my {$10000.00}, and in compelling Coinbase to explain the whereabouts of my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am disputing a debt being reported by Columbia Debt Recovery ( original creditor : The Vitagraph ). The account number is XXXX. I believe I am the victim of identity theft, and this account was opened and used without my knowledge or consent. 

The account was reportedly opened on XX/XX/XXXX, with an original balance of {$2900.00}. As of XX/XX/XXXX, the balance has increased to {$3500.00} and is listed as a collection account. I did not authorize this account, have no connection to the original creditor, and never received any services or signed any agreement with them. 

I requested a rental statement and validation of the debt but have not received proper documentation. I submitted a dispute and notified Columbia Debt Recovery that I am a victim of identity theft. I also filed a report with the FTC and am taking steps to report this to the credit bureaus. 

This debt is fraudulent, and I am requesting the immediate removal of this account from my credit report and the cessation of all collection activity. I am requesting that Columbia Debt Recovery provide verification of the debt, including signed contracts or any documents linking me to this account.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A signed affidavit of identity theft ( if required ) - And my Social Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law. 

I thank you so much for your immediate attention to this urgent matter. 



XXXX XXXX XXXX

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: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I was entered in to a loan that they knew I couldn't afford. Also the transmission went our way to early during my loan period.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) 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 ( ) promptly delete that item of information from the file of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove : 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 2025-08-05 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: LA

Complaint narrative:
Victim of XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Customer No. XXXX ( XXXX XXXX XXXX for XXXX XXXX XXXX of Georgia XXXX XXXX XXXX XXXX Reinsertion Deleted Item 15 USC 1681i5b Late Payments : 15 USC 1681 a2Xi Permissible Purpose 15 USC 1681b I, XXXX XXXX ( Declarant XXXX XXXX declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct to the best of my knowledge, information, and belief. 
XXXX. Identity Theft and Fraudulent Reporting a. All accounts listed below were opened without my authorization, consent, or signature, either electronic or wet-ink. 
b. The XXXX  data breach exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit file. 
XXXX. XXXX XXXX Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Docket No : XXXX Date Allegedly Filed : XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX -Balance : {$6900.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX -Balance : {$6900.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX -Balance : {$10000.00} - Open Date : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Account # XXXX -Balance : {$13000.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account # XXXX -Balance : {$2800.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX -Balance : {$21000.00} - Open Date : XXXX XXXX XXXX. XXXX XXXX XXXX - Account # XXXX -Balance : {$2800.00} - Open Date : XX/XX/XXXXXXXX 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 2025-08-05 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against Equifax for willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to its failure to block fraudulent accounts after I submitted all required documentation on XX/XX/XXXX, including a valid identity theft affidavit, government-issued ID, proof of address, and evidence linking my data to the Equifax breach XXXX Despite clear obligations under 605B to block the accounts within four business days, Equifax ignored the law and processed my dispute as a regular 30-day dispute without disclosing the source or method of verificationviolating 611s mandate for a reasonable reinvestigation. This conduct mirrors the unlawful practices condemned in XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX where courts ruled that automated verifications and failure to properly investigate consumer disputes constitute noncompliance. The CFPBs 2012 Bulletin further warns against these systemic failures. I demand an immediate block of the fraudulent items, written disclosure of the verification sources used, and confirmation that this dispute has been manually reviewed as required by law. Continued noncompliance may result in legal action under 1681n for willful violations.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this formal complaint regarding a collection account being reported on my credit file by XXXX XXXX, which has failed to validate the debt after I sent a certified validation request on XX/XX/year>, in accordance with FDCPA 809 ( b ). Despite my request, XXXX XXXX has not supplied sufficient documentation or proof to validate the debt, yet continues to report the account, in direct violation of the Fair Credit Reporting Act 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). 

ACCOUNT IN DISPUTE : - Collection Agency : XXXX XXXX - Credit Bureau Reporting : Experian, Equifax, TransUnion LEGAL BASIS FOR REMOVAL : - Failed to provide the full chain of assignment or legal ownership - No original signed contract or application showing I agreed to this debt - Sent only generic billing screenshots unrelated to my identity - Continued to report the item without marking the account as disputed, violating FCRA 623 ( a ) ( 3 )

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this formal complaint regarding a collection account being reported on my credit file by XXXX XXXX, which has failed to validate the debt after I sent a certified validation request on XX/XX/year>, in accordance with FDCPA 809 ( b ). Despite my request, XXXX XXXX has not supplied sufficient documentation or proof to validate the debt, yet continues to report the account, in direct violation of the Fair Credit Reporting Act 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). 

ACCOUNT IN DISPUTE : - Collection Agency : XXXX XXXX - Credit Bureau Reporting : Experian, Equifax, TransUnion LEGAL BASIS FOR REMOVAL : - Failed to provide the full chain of assignment or legal ownership - No original signed contract or application showing I agreed to this debt - Sent only generic billing screenshots unrelated to my identity - Continued to report the item without marking the account as disputed, violating FCRA 623 ( a ) ( 3 )

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 — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Early warning system brought and traded my credit information for monetary gain without my consent, which is identity theft

Company response to consumer: Closed with explanation