vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : TransUnion : XXXX ( XXXX 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 Experian : 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

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

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 ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : TransUnion : XXXX ( XXXX 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 Experian : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
To Whom It May Concern, I am writing to formally dispute the accuracy of negative items appearing on my credit report. Specifically, I am challenging the following : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX I believe these accounts contain inaccurate, incomplete, or misleading information that is negatively affecting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any erroneous information and request an investigation. 
Additionally, under 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance, credit reporting agencies and furnishers of information are legally obligated to ensure the accuracy of the information they report. If any party has negligently failed to comply with the requirements of the FCRA, I reserve my right to seek damages, including actual damages, attorney fees, and court costs. 
I kindly request the following actions be taken : 1. A thorough investigation into the accuracy of the information. 
2. Removal or correction of any inaccurate or unverifiable information.

3. A written response detailing the results of the investigation. 
Please note that the FCRA requires you to complete this investigation within 30 days of receiving this dispute. If the information can not be verified, it must be removed from my credit report immediately. 
I appreciate your prompt attention to this matter. Please send written confirmation of your actions to the address listed above. If you require further information, feel free to contact me at ( XXXX ) XXXX or XXXX. 
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
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
I recently reviewed my credit report and discovered unauthorized accounts. Please remove these fraudulent accounts, as they are negatively impacting my ability to secure credit.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax, I am writing to dispute a debt collection that is being reported on my credit report by XXXX XXXX XXXX. This account does not belong to me, and I have never had any business dealings with this company. The account number in question is [ XXXX ]. 

Under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act, I am requesting that this account be removed from my credit report because I have no knowledge of this debt, and I have never entered into any agreement or business transaction with XXXX XXXX XXXX. I am formally notifying you that XXXX XXXX XXXX should cease and desist from reporting this debt on my credit file. 

Please conduct a thorough investigation of this matter and remove this inaccurate information from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a resolution within 30 days of receipt of this letter. 

Enclosed, you will find a copy of my credit report with the disputed account highlighted. If you require additional information or documentation, please contact me directly. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: DC

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$300.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$300.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$1800.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: DC

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$300.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$300.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$1800.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Demand for Immediate Correction of Inaccurate Information Under 15 USC 1681i ( a ) 1, 1681i ( a ) ( 6 ) ( B ) 3, and 1681i ( a ) ( 5 ) ( B ) To Whom It May Concern : I am writing to demand that Experian immediately take corrective action regarding inaccuracies on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) 1, 15 USC 1681i ( a ) ( 6 ) ( B ) 3, and 15 USC 1681i ( a ) ( 5 ) ( B ), I am entitled to a timely and thorough investigation and rectification of any errors that are reported. 

The inaccuracies in question were reported on my credit file, and I have not received adequate resolution within the timeframes mandated by federal law. Unde

r 15 USC 1681i ( a ) 1, you are legally obligated to ensure that the information contained in my credit report is accurate and complete. Furthermore, under 15 USC 1681i ( a ) ( 6 ) ( B ) 3, you are required to notify me of the results of your investigation within 30 days of my dispute, including any changes made to my report. I have not received any such notification, which constitutes a violation of my rights. 

Lastly, 15 USC 1681i ( a ) ( 5 ) ( B ) stipulates that if an item of information is found to be inaccurate or incomplete, it must be deleted or corrected. I demand that you take immediate action to either verify the accuracy of the disputed item ( s ) or permanently remove them from my report. If these inaccuracies are not corrected or removed within the required 30-day timeframe, I will not hesitate to pursue legal action to enforce my rights under the FCRA. 

I also expect a full report detailing the results of your investigation, along with the proper documentation demonstrating your compliance with the law. If I do not receive a resolution within the next 10 days, I will escalate this matter further and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for damages as permitted under the FCRA. 

This letter serves as formal notice that I expect full compliance with the law and immediate correction of the disputed items. 

Sincerely, 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 2025-03-18 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my second formal dispute regarding the inaccurate personal information still being reported on my credit file, and I demand immediate resolution. My correct personal information is as follows : my full name is XXXX XXXX XXXX, and my current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The continued misreporting of incorrect personal details is a direct violation of my rights under the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to ensure maximum possible accuracy in consumer reports, and failing to correct these inaccuracies despite my previous dispute constitutes willful non-compliance. Additionally, under 15 U.S.C. 1681b, my consumer report must only be used for legally permissible purposes, and the presence of incorrect personal data compromises this protection. By failing to correct this issue after being formally notified, the credit reporting agency is in violation of federal law and can be held accountable under 15 U.S.C. 1681n, which allows for statutory damages of up to {$1000.00} per violation, as well as punitive damages and legal costs. If this matter is not resolved immediately, I will have no choice but to escalate my complaint and explore legal action. I demand that my personal information be immediately updated to reflect the correct details provided above. Additionally, I require written confirmation once this correction has been made. Please address this matter without further delay to ensure 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 2025-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I purchase lumbar and paint from XXXXXXXX XXXX on XXXX/2025. I received the bill XXXX XXXX, 2025 in the mail with a due date of XXXX/2025. There was interest rate fee of {$10.00} on the statement charged date of XXXX/2025 for the XXXX/2025 purchase. I called the next day XXXX/2025. The gentleman stated the interest charge was for the XXXX/2025 purchase. I explained that I just received my statement in the mail for this purchase on XXXX/2025 so not possible to pay any sooner. They stated they can not remove the charge and to pay my bill on time next month. They refused to remove the charge. After telling them I would cancel the card and never purchase another item from them the gentleman said let me see again if I can get this removed. I will go to my supervisor. Then he came back on the phone and said good news I was able to get the charge of interest removed this time for you. This was after I told him you charged me interest before the 30 day purchase period. That means you illegally charged me interest on a purchase before you were legally allowed to by law and that I was going to report 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 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
XX/XX/year> until now. Coinbase has had my funds trapped and unattainable by myself for over 2 years. At first they wouldn't take my government issued i.d so when it had to be renewed, I renewed it and upon receiving my i.d I tried to verify with coinbase again and regain access into my account. I gained access by passing verification and went to withdraw my funds. First I tried to transfer my crypto to another wallet that I controlled but found out that my transfer ability was not allowed due to security reasons. I then turned my crypto to cash via their platform and outrageous fees and tried to withdraw it to my bank account I had linked to my account but soon got an email saying coinbase unlinked all my accounts due to security reasons. I tried to add my bank account to withdraw to but I can't add an account due to it saying that the action was not allowed in my region. I've talked on the phone to support and via online text for the last 5 days since regaining entrance into my account over 15 times. Everytime Ive been told they're escalating my case to the specialist that could help and review things. I've had 4 reviews in 5 days telling me I can withdraw to a linked account even though I tell them coinbase unlinked my accounts and I can't add an account because of it saying action not allowed in my region. For the last 5 days I've been in this neverending loop. Nothing is being done and they keep saying the same thing without a reason except for security reasons which could be anything. They've banned me from the platform, which is fine with me but offer no solution and haven't allowed me to get my money. It's been years.Theyve claimed suspicious activity but looking on my profile page under activities there has been no activity whatsoever from XX/XX/year> until 5 days ago when I regained access and the activity is from me talking to support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake financial failed to provide verification of a charged off debt in the amount of {$7800.00}. It is written as a charge off yet i have not received a 1099 C ( cancellation or debt form ).

Company response to consumer: Closed with explanation