vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal follow-up complaint to my original dispute submitted on XX/XX/XXXX, concerning multiple unauthorized hard inquiries on my TransUnion credit report. It has now been over 30 days, and I have received no response or resolution from TransUnion, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

These inquiries were not initiated by me, were not authorized, and were not associated with any consumer-initiated credit application, making them unlawful under federal law.

FCRA Violations : 15 U.S.C. 1681b ( f ) Credit inquiries require a valid permissible purpose, initiated by the consumer.

15 U.S.C. 1681i ( a ) A CRA must complete a reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) CRAs must ensure maximum possible accuracy in reported information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Accessing a report without a valid offer of credit violates FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXXXXXX ) CRAs may not furnish reports for uninitiated debt collection or finance inquiries. 

Disputed Hard Inquiries ( to be deleted ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX did not initiate any transactions or apply for services with these entities. These inquiries were made without my knowledge or consent and must be removed. 

Harm Experienced : Credit score reduction Increased interest rates Appearance of credit-seeking behavior I did not engage in Elevated risk for identity theft or fraud

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
Me and the person I referred to the chime were not payed the promised XXXX XXXX  each after the person I referred to chime set up direct deposit as instructed, instead we were given the run around for XXXX days and XXXX calls later

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found : XXXX XXXX  ( BANK ) XX/XX/XXXX XXXX  XXXX ( BANK ) XX/XX/XXXX XXXX XXXXXXXX ( BANK ) XX/XX/XXXX XXXX XXXXXXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXXXXXX ( BANK ) XX/XX/XXXX XXXX  XXXX ( BANK ) 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 2025-03-27 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: CA

Complaint narrative:
I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found : XXXX XXXX  ( BANK ) XX/XX/XXXX XXXX  XXXX ( BANK ) XX/XX/XXXX XXXX XXXXXXXX ( BANK ) XX/XX/XXXX XXXX XXXXXXXX ( BANK ) XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXXXXXX ( BANK ) XX/XX/XXXX XXXX  XXXX ( BANK ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc
State: TX

Complaint narrative:
On XX/XX/year> I sent a Letter to this company that showed up on my experian account with the balance of {$2000.00} and the collection company was stated as XXXX XXXX. As I attempted to get more information regarding this account I was met with an aggressive tone by a representative and also being threatened for a debt I believe is inaccurate. According to the FCRA, section 609 ( 15 U.S.C 1681g ) and Section 611 ( 15 U.S.C 1681i ) I am entitled to clear and accurate information regarding any debt reported on my credit file. Ive asked for this information twice and have to received any communication and have been harassed. For this violation of my consumer rights I am requesting a removal of this inaccuracy from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-03-27 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: NY

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 non-monetary relief
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I am writing to address a failure on Equifax 's part to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite providing substantial evidence supporting my dispute, the inaccurate or unverifiable accounts in question remain unresolved. My experience reflects systemic issues recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Equifax, which alleges practices including : Failing to forward consumer-provided evidence to furnishers ; Accepting unreliable responses from furnishers ; Inadequately notifying consumers of dispute outcomes. These practices directly align with my case, where Equifax has neither corrected nor removed the disputed items despite the documentation I provided. This ongoing failure has caused significant harm to my credit standing and constitutes a violation of my rights under federal law. I respectfully demand immediate corrective action to : Remove or amend the disputed accounts by the evidence I provided. Provide a detailed report of the investigation process and its findings, as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I transferred {$100000.00} to my Coinbase cryptocurrency trading account via bank wire. After the funds arrived in my Coinbase account, I bought the cryptocurrency I wanted and tried to deposit the cryptocurrency I bought into my own Coinbase wallet, but Coinbase blocked me on the grounds of account security. I tried to communicate with Coinbase customer service, but they told me to wait. After that, my Coinbase account was locked by Coinbase officials for no reason. I did not do anything illegal. During the whole process, I knew what I was doing and was sure to do it. When I tried to unlock my Coinbase account, I provided the relevant information as required. The Coinbase system prompted me to wait for XXXX hours, but XXXX minutes later Coinbase told me that the photo I provided was not clear. When I tried to upload it again, the system kept prompting a network error. I can't even log in to my Coinbase account now, nor can I transfer my cryptocurrency to my own Coinbase wallet, let alone sell my cryptocurrency through Coinbase and withdraw it to my own bank debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-27 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: FL

Complaint narrative:
I am filing a complaint because my creditors is reporting late payments on my account ending 6329 there are inaccurate not properly verified I have disputed I have disputed directly with the credit bureaus in the furniture but the late payment payments remain without properly validation or documentation under 15 USC 1681S2 a furniture must report accurate information 15 USC I 1681I the credit bureaus must perform a reasonable investigation within 30 days neither of them has provided sufficient evidence to support the negative reporting

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 2025-03-27 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I am reporting identity theft under FCRA 605B ( 15 U.S.C. 1681c-2 ). Multiple unauthorized credit inquiries are being reported on my consumer credit file that I did not authorize, initiate, or apply for. These entries are fraudulent and are the result of identity theft. 

The disputed inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I have submitted an official FTC Identity Theft Affidavit ( Report # XXXX ) and am exercising my rights under the FCRA. These inquiries were made without a permissible purpose and do not belong on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 recently discovered multiple inaccuracies on my report, and I am extremely frustrated by the impact they are having on my scores. These errors are making it harder for me to secure financial opportunities, and it is completely unfair that I have to suffer due to incorrect or outdated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
I recently checked my credit report and found multiple inquiries from your company that I never approved. I am very strict about protecting my financial information, so seeing unauthorized inquiries is deeply concerning to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bureau of Accounts Control
State: NJ

Complaint narrative:
Outstanding medical debt was included in XXXX credit report however, it is not supposed to be included in the credit report as a result of the new law of 2025.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-27 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-26 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: NY

Complaint narrative:
i am a victim of identity theft and multiple data breaches please block and delte the account within 4 businessdays pursant to frca 605b15 1681c-2

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 2025-03-27 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: OR

Complaint narrative:
Credit Reports are not accurate, and balance is not correct.

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 2025-03-27 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: OR

Complaint narrative:
Credit Reports are not accurate, and balance is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX FIN # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
I am filing a formal complaint against Experian for failing to properly validate a disputed debt, despite my providing supporting documentation, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

Complaint Details : On XX/XX/year>, I disputed inaccurate debt information on my credit report and requested proper validation. 
The disputed accounts include : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) The XXXX XXXX XXXX account was reported as a charge-off with a balance of {$860.00}. However, this debt was paid in full by XXXX XXXX XXXX, and I provided a receipt confirming payment in my previous CFPB complaint and directly to Experian. 
Despite this proof, Experian failed to correct the reporting and continues to list the account with a charge-off status. 
Additionally, I never received a Form 1099-C for canceled debt, further proving that the debt was not forgiven but instead settled through payment by my insurance provider. 
XXXX XXXX XXXX Account Dispute Experians response states that XXXX XXXX XXXX was " verified as accurate, '' yet they failed to provide documentation proving the debts legitimacy, such as a signed contract, proof of ownership, or itemized statement of the debt. 
This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires Experian to conduct a reasonable reinvestigation and delete any information that can not be verified.

Furthermore, under 15 U.S.C. 1692g ( b ) ( Fair Debt Collection Practices Act - FDCPA ), debt collectors must provide proper validation upon request. Failure to provide a signed contract or proof of ownership means the debt is not properly verified and should not be reported.

Harm & Inconvenience Caused : My credit score is unjustly impacted, limiting financial opportunities.

I have spent significant time and effort disputing this matter, including providing clear evidence of payment.

Experians noncompliance suggests a failure to follow proper verification procedures and a disregard for consumer rights.

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