vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendbuzz Inc.
State: OH

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate and damaging information concerning an account falsely marked as having a late payment. Specifically : Lendbuzz reported a late payment for XX/XX/2025. 

This report is completely false and misleading. I made all required payments on time, and at no point did I default, delay, or violate any payment agreement with this creditor. 

This inaccurate reporting not only harms my creditworthiness but violates multiple federal statutes under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) Reasonable Procedures for Maximum Accuracy Credit bureaus must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. Reporting a false delinquency shows a failure to comply with this legal obligation.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information Furnishers like Lendbuzz are legally required to report only truthful, complete, and updated data. False reporting of late payments is a direct violation of this provision. 

15 U.S. Code 1681s-2 ( b ) Duty to Investigate Disputed Information Once I submitted my dispute, both the furnisher and the credit bureaus were required to conduct a complete and reasonable investigation. If they can not substantiate the data with concrete evidence, they must promptly correct or delete it. Failure to do so is a clear violation of federal law.

15 U.S. Code 1666b Billing Error Rules on Timing Creditors may not legally report a late payment unless they can prove that billing statements were delivered at least 21 days before the due date. If this was not followed by Lendbuzz, the resulting delinquency entry is illegally placed and must be removed immediately. 

15 U.S. Code 1681i ( a ) Duty of Reinvestigation The credit bureaus are required to complete a reinvestigation within 30 days of receiving my dispute. If the reported late payment can not be verified, it must be deleted from my report.

Harm to Me as a Consumer : These violations have caused : Damage to my credit score Loss of credit opportunities Financial harm Mental and emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate and damaging information concerning an account falsely marked as having a late payment. Specifically : XXXX reported a late payment for XX/XX/year>. 

This report is completely false and misleading. I made all required payments on time, and at no point did I default, delay, or violate any payment agreement with this creditor. 

This inaccurate reporting not only harms my creditworthiness but violates multiple federal statutes under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) Reasonable Procedures for Maximum Accuracy Credit bureaus must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. Reporting a false delinquency shows a failure to comply with this legal obligation.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information Furnishers like XXXX are legally required to report only truthful, complete, and updated data. False reporting of late payments is a direct violation of this provision.

15 U.S. Code 1681s-2 ( b ) Duty to Investigate Disputed Information Once I submitted my dispute, both the furnisher and the credit bureaus were required to conduct a complete and reasonable investigation. If they can not substantiate the data with concrete evidence, they must promptly correct or delete it. Failure to do so is a clear violation of federal law.

15 U.S. Code 1666b Billing Error Rules on Timing Creditors may not legally report a late payment unless they can prove that billing statements were delivered at least 21 days before the due date. If this was not followed by XXXX, the resulting delinquency entry is illegally placed and must be removed immediately. 

15 U.S. Code 1681i ( a ) Duty of Reinvestigation The credit bureaus are required to complete a reinvestigation within 30 days of receiving my dispute. If the reported late payment can not be verified, it must be deleted from my report.

XXXX  to Me as a Consumer : These violations have caused : Damage to my credit score Loss of credit opportunities Financial harm Mental and emotional distress

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 2025-06-09 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: NJ

Complaint narrative:
My credit is extremely important to me, and I have serious concerns about the inaccurate information showing on my report. These errors are causing ongoing stress, especially when Im denied credit for things I should qualify for.

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 2025-06-09 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:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
In XXXX, I deposited {$50.00} into my Coinbase account. I bought crypto with it. Shortly after, my account was placed on hold, I sold the crypto ( at XXXX $ ) and I have not been able to access my funds since. Over the past year, Ive repeatedly complied with Coinbases identity verification requests submitting clear pictures of my ID, myself holding the ID, and the current date multiple times. 

Despite complying with their requirements, Coinbase has not restored access to my account or released my funds. In early XXXX, they withdrew {$26.00} from my account, claiming I owed that amount. I did not dispute the charge and instead asked to close my account and withdraw the remaining balance of about {$30.00}. 

Coinbase has continued to delay by re-initiating the same identity verification process every time I reach out. Eventually, they stated that they no longer want to do business with me yet they still refuse to close my account or release my funds. This situation has been ongoing for over a year with no resolution, despite numerous attempts to work with their support team in good faith. 

This feels like a case of unlawful withholding of funds and failure to provide adequate dispute resolution. I am requesting the CFPB to step in and help recover the remaining balance in my account and ensure Coinbase is held accountable for its repeated mishandling of consumer funds and poor support. 

Desired Resolution : Immediate release of remaining funds ( ~ {$30.00} ) Full closure of the Coinbase account Assurance that similar consumers wont be trapped in endless support loops while their money is withheld XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 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 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. ''

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 2025-06-09 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach accounts in question are XXXX XXXX and XXXX XXXX XXXX and 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 2025-06-09 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX - XXXX - PAID NEVER LATE - UPDATE TO PAID AS AGREED XXXX. XXXXXXXX XXXX XXXX XXXX XXXX - PAID NEVER LATE - UPDATE TO PAID AS AGREED XXXX XXXX XXXX XXXX XXXX XXXXXXXX - PAID NEVER LATE - UPDATE TO PAID AS AGREED These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
On XX/XX/year>, I mailed a detailed dispute letter to Equifax after finding numerous inaccuracies and inconsistencies in my credit report. My concerns include : Dates Opened not aligning with the beginning of Payment History.

Missing payment amounts where a Date of Last Payment is reported.

Charged-off accounts still showing active credit limits.

Discrepancies in the Payment History between Equifax and the other two credit bureaus.

Conflicting Dates of Last Activity across all bureaus, despite the same data source ( the creditor ).

Original creditors reporting balances even after accounts were sold to debt collectors, which should not occur under proper reporting standards. 
Collection accounts inappropriately showing additional " Past Due '' amounts or " 120 Days Late '' notations, which is misleading and inaccurate once an account is already in collections.

These unresolved issues violate the accuracy and completeness standards outlined in the Fair Credit Reporting Act.

I want the CFPB to help me secure that Equifax will properly investigate my dispute. I want to be sure that Equifax will handle my disputes fairly and responsibly. This complaint also serves as a formal documentation of my dispute in case they refuse or delay the required investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. Credit Acceptance ( Balance : {$0.00} ), XXXX XXXX XXXX ( Balance : {$220.00} ), XXXX XXXX ( Balance : {$0.00} )

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-09 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and identified multiple fraudulent accounts that do not belong to me. These accounts are negatively impacting my creditworthiness.

Company response to consumer: Closed with explanation