vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 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:
This account is being reported only on my XXXX credit report, but it is absent from both TransUnion and XXXX, suggesting that the information is either incomplete or unverifiable. In addition : There is no scheduled or actual payment history included with the reporting. 

The date of last activity is missing, and there is no recent verification of accuracy. 

No contact attempts or validation efforts have been made by XXXX XXXX XXXX. 

There is no accessible evidence that this account is accurate or belongs to me. 

Legal Violations : This reporting violates the Fair Credit Reporting Act : FCRA 1681e ( b ) failure to maintain complete and accurate reporting across credit bureaus FCRA 1681i ( a ) failure to verify disputed account information.

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 2025-04-14 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: CA

Complaint narrative:
This account is being reported only on my Equifax credit report, but it is absent from both XXXX and XXXX, suggesting that the information is either incomplete or unverifiable. In addition : There is no scheduled or actual payment history included with the reporting. 

The date of last activity is missing, and there is no recent verification of accuracy. 

No contact attempts or validation efforts have been made by XXXX XXXX XXXX. 

There is no accessible evidence that this account is accurate or belongs to me. 

Legal Violations : This reporting violates the Fair Credit Reporting Act : FCRA 1681e ( b ) failure to maintain complete and accurate reporting across credit bureaus FCRA 1681i ( a ) failure to verify disputed account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am filing a complaint against Fair Collections & Outsourcing ( XXXX  ) for reporting and attempting to collect a debt that is not valid. The debt in question is related to back rent allegedly owed to XXXX XXXX XXXX. However, I was involved in a legal case in XXXX XXXX ( Case # XXXX ) where the landlord 's claim for rent was withdrawn with no money judgment entered, as shown in the attached court docket. 
Despite this, FCO has reported this debt on my credit report, damaging my credit profile and causing undue stress. I have disputed this debt with the credit bureaus and requested validation from FCO, but it continues to be reported as accurate. 
This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). FCO is reporting inaccurate information and attempting to collect on a debt that is not legally owed. 
I am requesting that FCO immediately delete this account from all credit bureaus, cease all collection efforts, and provide a written confirmation that the account has been closed. I also request that the CFPB investigate FCO for these violations and take appropriate enforcement action.

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 2025-04-14 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$5500.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$840.00} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$400.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$570.00} XXXX  - XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$66.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
Im deeply concerned that my credit report continues to reflect inaccurate and incomplete information. Despite multiple efforts to resolve this, the errors remain and are unfairly affecting my credit standing.

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 2025-04-14 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-14 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-14 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX  XX/XX/XXXX -- {$200.00} CONNS # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$290.00} XXXX  # XXXX XX/XX/XXXX -- {$240.00} XXXX # XXXX XX/XX/XXXX -- {$290.00} XXXX  XXXX  XXXX  # XXXX XX/XX/XXXX -- {$860.00} UNAUTHORIZED INQUIRIES : XXXX XXXX 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 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/year> I sent a deposit of XXXX XXXX from my wallet to the XXXX address provided by Coinbase for my account, Coinbase did in fact did receive the deposit as shown in the attached coinbase_deposit.png image, along with providing the block explorer link to publicly show the transaction I sent to my Coinbase account : https : XXXX Unfortunately, despite being confirmed on the blockchain, the transaction is still marked as pending in my Coinbase account. 
The exchange still supports XXXX deposits/transactions from their users at this time. 

The remainder of attached images provided shows the Attempts I have made to their customer support to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-14 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX SSN : XXXX XXXX : XX/XX/year> Equifax XXXX XXXX XXXX XXXX GA XXXX Dear EQUIFAX, To whom this may concern, I pull my consumer report and witness and circled a lot of inaccuracies. That is destroying my consumer report. These negative items have been placed on my consumer report without my ( CONSENT )! 15 U.S.Code 1681 ( a ) ( 4 ) decree and declares that I the consumer has the right to privacy.

AFFIDAVIT Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). { EQUIFAX } has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent.

15 U.S.Code 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. My consumer rights have been violated many times with negative items placed on my consumer report without my consent.

AFFIDAVIT Notice, it is a fact, I the affiant and the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ).

15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX. 


AFFIDAVIT Notice, it is a fact, I the affiant and consumer are aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I the Affiant was not given the chance to opt-out of having this reported information about { ACCOUNTS NAMES AND NUMBERS } not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.

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 2025-04-14 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: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX SSN : XXXX XXXX : XX/XX/year> Equifax XXXX XXXX XXXX XXXX GA XXXX Dear EQUIFAX, To whom this may concern, I pull my consumer report and witness and circled a lot of inaccuracies. That is destroying my consumer report. These negative items have been placed on my consumer report without my ( CONSENT )! 15 U.S.Code 1681 ( a ) ( 4 ) decree and declares that I the consumer has the right to privacy.

AFFIDAVIT Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). { EQUIFAX } has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent.

15 U.S.Code 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. My consumer rights have been violated many times with negative items placed on my consumer report without my consent.

AFFIDAVIT Notice, it is a fact, I the affiant and the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ).

15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX. 


AFFIDAVIT Notice, it is a fact, I the affiant and consumer are aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I the Affiant was not given the chance to opt-out of having this reported information about { ACCOUNTS NAMES AND NUMBERS } not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.

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 2025-04-14 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-04-14 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I filed a complaint with CHASE using your system last fall. ID is XXXX. CHASE replied back to you that was not truthful and i don't have my refund yet. I also didn't receive your notice to close this dispute and my feedback requested within XXXX  days. I have created a letter of evidence to this fact and i'm ready to send it to you today. Please reopen and contact me if you need other items. My contact number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am filing a complaint against Fair Collections & Outsourcing ( FCO ) for reporting and attempting to collect a debt that is not valid. The debt in question is related to back rent allegedly owed to XXXX XXXX XXXX. However, I was involved in a legal case in XXXX XXXX ( Case # XXXX ) w

here the landlord 's claim for rent was withdrawn with no money judgment entered, as shown in the attached court docket. Despite this, FCO has reported this debt on my credit report, damaging my credit profile and causing undue stress. I have disputed this debt with the credit bureaus and requested validation from FCO, but it continues to be reported as accurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). FCO is reporting inaccurate information and attempting to collect on a debt that is not legally owed.

I am requesting that FCO immediately delete this account from all credit bureaus, cease all collection efforts, and provide a written confirmation that the account has been closed. I also request that the CFPB investigate FCO for these violations and take appropriate enforcement action.

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 2025-04-14 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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