vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I am writing to dispute the continued reporting of a {$280.00} collection account associated with XXXX XXXX, which was handled by your agency, Caine & Weiner XXXX XXXX. I have already paid this debt in full, and at the time of payment, I was advised that the account would be removed from my credit report upon resolution. 

Despite this, the collection account is still appearing on my credit reports, which is inaccurate, misleading, and damaging to my credit. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), you are required to report only accurate and complete information. Additionally, if a payment arrangement was made with the assurance of deletion, failure to follow through may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations.

I am requesting the following actions be taken : Immediate deletion of the {$280.00} XXXX XXXX collection account from all consumer credit reporting agencies ( Equifax, Experian, and TransUnion ). 

A written confirmation from your office that the account has been paid in full and has either been removed or will no longer be reported.

Verification of the original agreement regarding deletion or documentation explaining why the account remains.

Please treat this as a formal dispute and investigation request under federal law. I request that this matter be resolved within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-04-21 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: MD

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX XXXX XXXX in XXXX XXXX, MD to ask what kinds of vehicles they had available with good pricing. I was not looking to apply for financing I simply wanted information. The salesperson asked how much I was looking to put down, and I became uncomfortable because I hadnt chosen a car or agreed to a credit application. 

I was later asked to send a copy of my paystub, which I assumed was to get a general estimate. At no point was I told that my credit would be pulled. I did not apply for financing, did not select a specific vehicle, did not sign any application, and did not authorize a credit check. 

Within days, I started receiving denial letters from multiple auto lenders for loans I never requested. When I reviewed my credit reports, I saw multiple hard inquiries that I did not authorize. These include : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries appear on TransUnion, Equifax, and Experian credit reports. I did not submit applications to these lenders or authorize anyone to do so on my behalf. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ). 

I tried calling XXXX XXXX XXXX several times to speak with the salesperson involved, but I was always told he was unavailable or that someone would return my call. I also followed-up by email and received no reply. No one followed up, and no one took responsibility. 

Im requesting assistance in having these unauthorized hard inquiries removed from all three credit bureaus, as they are negatively impacting my credit and were made without my consent. 

I also called Equifax in early XXXX to request that the unauthorized inquiries from the same auto lenders be removed. The first representative told me they would be deleted by the next day and added a fraud alert to my credit file. 

However, the inquiries remained, so I called again. A second representative informed me that the previous rep was incorrect, and that I would need to file a CFPB complaint or police report to have the inquiries removed. This was frustrating and confusing, and I still have not received a resolution. 

I tried disputing with TransUnion over the phone as well but never got an answer back, not even a letter in the mail.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CT

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ally Financial is obtaining my credit report without my permission dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
To Whom It May Concern, Im writing to dispute several hard inquiries listed on my Equifax credit report that I did not authorize. I never gave permission for my credit to be checked by these companies. 

Please investigate the following inquiries and remove any that can not be verified with my written consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Ive attached a copy of my ID, XXXX, and proof of address for verification and ftc report Please confirm once the investigation is complete. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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 am appreciative of your attention to this matter and look forward to a swift resolution within the stipulated timeframe. Your cooperation in this regard not only safeguards my financial standing but also upholds the integrity of the credit reporting system as a whole. Thank you for your understanding and prompt action on this matter. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XX/XX/year>

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 2025-04-21 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several fraudulent accounts and inquiries that have appeared on my credit reports with Experian. I have been a victim of identity theft, and unauthorized accounts have been opened in my name without my consent.

The fraudulent accounts include, but are not limited to, the following : XXXX  Unauthorized credit card XXXX XXXX Fraudulent mobile phone account XXXX XXXX XXXX Unauthorized auto loan XXXX XXXX XXXX XXXX Fraudulent credit card XXXX XXXX Fraudulent credit card The accounts listed were not opened by me, and I did not authorize any transactions associated with them. I discovered this fraudulent activity in XX/XX/year> and have taken immediate steps to report the identity theft through the FTC Identity Theft portal. I am currently working to restore my credit and remove all fraudulent information.

Attached to this dispute are the following documents to support my claim : FTC Identity Theft Report confirmation Statement detailing fraudulent activity Proof of address and identity

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 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX ( XXXX Sunday ) I received a fraudulent small claims summons from Capital One, N.A. XXXX XXXX XXXX XXXX XXXX . located at XXXX XXXX XXXX XXXX XXXX, AL XXXX falsely accusing me of owing them money. Someone by the name XXXX XXXX is listed as the plaintiff. They are falsely claiming to be Capital One because Capital One has no physical location is in XXXX, AL. My account with Capital One has been closed by Capital One since XX/XX/XXXX. I have no contract with these people trying to illegally take money from me. They have many negative reviews from other people as well. They are scammers. The paperwork states it was filed in XXXXXXXX XXXX XXXX which makes no sense. They need to be investigated and shut down. I never gave them permission to have access to any of my personal information. They stole my information for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
Dear Credit Reporting Agency, I am writing to demand the immediate removal of the following closed accounts from my credit report : - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX During a recent audit of my credit report on XX/XX/year>, I discovered these closed accounts listed. Under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), you are legally obligated to report only accurate and verifiable information. The accounts in question do not accurately reflect my creditworthiness and must be removed.

Furthermore, Section 623 ( a ) ( 1 ) of the FCRA mandates that furnishers provide accurate details to consumer reporting agencies. The existence of these accounts misrepresents my financial responsibility and distorts my overall credit behavior.

I am deeply concerned that these inaccurate entries will adversely affect my credit score and result in unfair treatment by creditors. I insist on the reassessment and the validity of these records and complying with the FCRA by removing them from my credit file without delay. 

I am formally disputing the accuracy of these accounts, and I expect a thorough investigation following the FCRA. I require a written confirmation of their removal within the 30 days mandated by law. 

Thank you for the immediate attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
Dear Credit Reporting Agency, I am writing to demand the immediate removal of the following closed accounts from my credit report : - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX During a recent audit of my credit report on XX/XX/year>, I discovered these closed accounts listed. Under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), you are legally obligated to report only accurate and verifiable information. The accounts in question do not accurately reflect my creditworthiness and must be removed.

Furthermore, Section 623 ( a ) ( 1 ) of the FCRA mandates that furnishers provide accurate details to consumer reporting agencies. The existence of these accounts misrepresents my financial responsibility and distorts my overall credit behavior.

I am deeply concerned that these inaccurate entries will adversely affect my credit score and result in unfair treatment by creditors. I insist on the reassessment and the validity of these records and complying with the FCRA by removing them from my credit file without delay. 

I am formally disputing the accuracy of these accounts, and I expect a thorough investigation following the FCRA. I require a written confirmation of their removal within the 30 days mandated by law. 

Thank you for the immediate attention to this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: PR

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

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 2025-04-21 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: PR

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This complaint is to request the removal of the fraud alert on my personal credit 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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Jacob Law Group, PLLC
State: AL

Complaint narrative:
Jacob law group has contacted me about a debt i have no clue of i reached out to the organization about a timly response. i asked several question i need answered before we move forward. I asked the statue of limitation of this debt, what state and city was this debt taken out of, how old was this debt and more. I believe that Jacob law group has no care about the law or my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
I was reported to the three major credit bureaus today. The original creditor is listed as XXXX XXXX XXXX XXXX which originally closed after filing XXXX  XXXX bankruptcy and was later converted to XXXX  XXXX bankruptcy. Furthermore, in 2021, I cancelled my two plans and returned my XXXX  as I was told that only my XXXX XXXX could be corrected, due to XXXX XXXX XXXX XXXX XXXX, but would still be charged the full amount. I felt as though I had been scammed, which is what led me to cancel both plans and return the XXXX. I am not liable for these debts. Lastly, I have not heard from anyone regarding this XXXX XXXX XXXX account until now, when I received alerts from the credit bureaus. How do you report collections, when youve never been notified of any outstanding debt? Id like this removed from my credit report, as I havent been formally notified, at any point, about outstanding debts and for the reason that I do not have any remaining outstanding debt with XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Ive been a Coinbase customer for about one year and pay monthly for Coinbase One, their premium subscription that advertises priority support and enhanced functionality.

Recently, without warning or explanation, I was suddenly blocked from purchasing any cryptocurrency on the platform due to an alleged security reason. I have not violated any terms, have a clean transaction history, and have always used the platform responsibly. This restriction completely blocks the most basic function of the app, despite me continuing to pay for Coinbase One.

I reached out to Coinbase support three separate times through their official support channels and spoke with three different representatives none of them provided any information, clarity, or resolution. They could not tell me what caused the restriction, how to appeal it, or how long it would last. All I was given was a vague reference to security flags without any detail.

Whats worse, Coinbase continues to charge me for Coinbase One, even though I no longer have access to one of the core features of the platform : buying crypto. This feels deceptive and unacceptable. 

Im requesting : 1. A clear and detailed explanation of why my purchase access was restricted ; 2. Reinstatement of full account functionality, or a clear appeals process ; 3. A refund for Coinbase One charges incurred while restricted ; 4. Better customer service and accountability moving forward.

This experience has severely damaged my trust in Coinbase. I would appreciate the CFPBs help in getting a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief