vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NV XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NV XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX  Account Number : XXXX * * * * * * * * * * * * * * Please remove it from my credit report. 

XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX - Account Number XXXXXXXX XXXX - Account Number XXXX XXXX - Account Number XXXXXXXX XXXX - Account Number XXXX Please remove it from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. I understand that you will contact the relevant creditor to verify the accuracy of the disputed information. Please delete any information that can not be verified by the creditor. It is my understanding that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter.

Please provide me with an updated copy of my credit report at the aforementioned address. According to the act, I should not be charged for this updated report. Additionally, I kindly ask that you notify any party who has obtained my credit report in the past six months of the necessary corrections. 

Thank you for your attention and assistance in addressing 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 2025-04-19 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: NJ

Complaint narrative:
I looked at my Experian 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency 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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I am submitting this complaint because the credit reporting agencies Equifax are reporting multiple unauthorized hard inquiries on my consumer credit reports. These inquiries were not initiated, authorized, or consented to by meneither verbally nor in writing. The listed inquirers, including XXXX XXXX  XXXX, and XXXX have confirmed that no signed application or documented consent exists to justify pulling my credit report. 

Despite sending each credit bureau a formal legal demand citing the Fair Credit Reporting Act ( FCRA ) and requesting deletion of these inquiries, they continue to appear in my reports. The credit bureaus have failed to provide proper verification or evidence and have not conducted a legally sufficient investigation as required.

This constitutes a direct violation of the following federal statutes : 15 U.S.C. 1681b No permissible purpose exists for these inquiries.

15 U.S.C. 1681i ( a ) ( 5 ) Information that can not be verified must be deleted.

15 U.S.C. 1681g ( a ) ( 1 ) ( A ) I was not provided with signed authorization or application.

15 U.S.C. 1681s-2 Furnishers must ensure the accuracy and legitimacy of reported information.

15 U.S.C. 1681c-1 Consumers are entitled to protection against unauthorized access.

12 U.S.C. 5531 ( UDAAP ) Continued reporting of unverifiable inquiries constitutes a deceptive and abusive practice. 

Supporting Case Law and Enforcement Actions : 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 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 Equifax XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Set up Coinbase account on XX/XX/year>. I had issues getting the system to take my address ( it's a newer address the post office just added as previously was just land- we have all kinds of issues with systems not recognizing the address as valid ). This is after a move that I am just now finishing up getting everything like Drivers license, etc. But the system took the address and it allowed me to proceed. I purchased crypto in which I encountered an ~ {$30.00} fee. When trying to link accounts, I had more system issues, it wasn't taking my bank- I had to try several accounts. All had the same address, but errors that was wrong. Or weird things like my bank account only had my middle initial, vs the full spelling. Get real those rarely match from where ever they pulled my full middle name. 

Once I received a cold wallet and was ready to transfer that - I found out my account was temporarily limited pending a review I needed to request. I requested the review and got back the below response in XXXX minute : After reviewing your account against our terms of service, we regret to inform you that you're no longer eligible to utilize the Coinbase platform for purchasing cryptocurrency, using our deposit services, or linking payment methods. 
Their was no request for more information or documentation to resolve the issue. If its a XXXX  issue ( I believe that is what this is ) then they shouldn't have allowed my account to be opened in the first place - where they make their money. How many people are they doing this to? How much of the fraud is because of their system issues? 

I was told to sell the assets ( and incurr more fees to coinbase ~ {$12.00} ) in order to close my account. 

I reviewed the XXXX XXXX XXXX- I only did XXXX thing on coinbase, try to set up my account and make XXXX purchase. I encountered several multiple issues with their system, my name, address and linked accounts, but they all went through. I believe that is the issue of concern in which they had all that info and should not have allowed me to purchase crypto. By failing to not allow my account to open in the first place I would not have encountered these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am filing this complaint against Comenity BankXXXX XXXX for continuing to report an account on my credit report that should have been deleted based on a pay-for-delete agreement dated XX/XX/year> in the amount of {$2000.00} The account originally with Comenity Bank/XXXX XXXX was sold to XXXX XXXX XXXX XXXX and placed with their collection agency XXXX XXXX, XXXX. I negotiated a Pay-for-Delete settlement offer with XXXX for {$2000.00}, which they accepted. I have written documentation of the settlement offer, proof of payment, and a receipt from XXXX confirming the debt was settled in full and marked as paid in full and final compromise. 

I was explicitly told by XXXX that XXXX XXXX agreed to the terms and would delete all related tradelines, including the original XXXX XXXXComenity Bank tradeline , upon receiving payment. I asked for this in writing, and although they did not provide written confirmation, they stated all calls are recorded and assured me the full deletion would occur. While the XXXX XXXX collection account has been removed, the XXXX XXXXComenity Bank account still appears on my credit report, which is damaging my credit. I have disputed this with all three credit bureaus ( XXXX XXXX XXXX XXXX ) multiple times, and they continue to report the tradeline as verified despite receiving all supporting documentation. 

This account should be removed under the pay-for-delete agreement, as the debt has been resolved. I am requesting the CFPBs assistance in having Comenity BankXXXX XXXX delete this tradeline from my credit report across all three bureaus as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I am not liable for this debt with NCB MANAGEMENT SERVICES, I do not have a contract with this agency. I never signed any form of contract with this agency at any point in time. NCB MANAGEMENT SERVICES never provided any documentation showing we had a written agreement as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/2025 credit score is over XXXX, they said I have too many credit cards open. Most have a {$0.00} Balance. Now they have pulled my credit with a hard inquiry and lowered my score. My debt to income is 7 %. this is ridiculous for them to deny my application and now lower my credit score.

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 2025-04-19 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to dispute the closure of my accounts listed above and to request a fair resolution regarding how they are reported. These XXXX XXXX XXXX XXXX accounts XXXX were closed without prior disclosure of any actionable default or contractual breach on my part. 

Despite my efforts, I have not received any documentation verifying the basis or cause for these closures. As such, I must invoke the Doctrine of Estoppel by Silence, as recognized in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, which affirms that a partys silence, where there is a duty to respond, constitutes an admission. Therefore, in the absence of a substantiated reason for these closures, I must presume no justifiable grounds exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to dispute the closure of my accounts listed above and to request a fair resolution regarding how they are reported. These XXXX XXXX XXXX XXXX accounts XXXX were closed without prior disclosure of any actionable default or contractual breach on my part. 

Despite my efforts, I have not received any documentation verifying the basis or cause for these closures. As such, I must invoke the Doctrine of Estoppel by Silence, as recognized in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, which affirms that a partys silence, where there is a duty to respond, constitutes an admission. Therefore, in the absence of a substantiated reason for these closures, I must presume no justifiable grounds 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 non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Shellpoint Mortgage Servicing initially report to all major credit reporting agencies that the loan I had with them for a " BOAT '' was a charge off and a property mortgage, in XXXX. It has taken me over XXXX  years to try to correct this information with the major credit bureaus. In XXXX of XXXX, I received a letter from Shellpoint Mortgage, correcting this information. Shellpoint stated in their letter that they would copy all major credit reporting agencies to reflect the following : The account in question and originally reported in XXXX was paid in full and not a charge off. 

The account in question type was corrected from a home mortgage to a " Non-Mortgage Account ''. 
To date none of the reporting agencies has corrected this issues. Please be advised that I also contacted Shellpoint Mortgage yesterday regarding this matter. They stated that they can not send this information again to the reporting agencies, as it has already been sent already. I would need to contact each of the agencies in questions and file a dispute report with them, regarding Shellpoint. The representative I spoke with yesterday stated that he would mail me a " New '' letter, restating the information in the XX/XX/XXXX Letter. I have attached a copy of the XX/XX/XXXX letter for your review. I only want to get this information corrected on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/year> I contacted NewRez, my mortgage lender, to inform them that I am tax exempt because I am XXXX XXXX XXXXXXXX veteran. I provided the NewRez portal site the listed required documents. I waited two weeks for the changes to take effect. Newrez did NOT adjust my XX/XX/year> morgage payment to reflect no tax escrow. I contacted NewRez by phone XXXX XX/XX/year> and asked for a follow up on my tax exemption status and a refund to my XX/XX/year> tax payment. They requested another email to different email address. I complied and sent all required documents again. They said it would reflect in 72 hours. Three weeks later I heard no correspondence and I sent the email with required tax exempting documents again to both the web portal and the tax office. I have still not even received a reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MI

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 2025-04-19 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: MI

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 2025-04-19 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: MI

Complaint narrative:
Summary of Complaint : I am disputing a significant credit score decrease caused by the closure of an automotive account with XXXX XXXX XXXXXXXX XXXX. The account was closed between XXXX XXXX XXXX, and resulted in a XXXX drop in my score. I was not notified, and I believe the reporting is either inaccurate or unnecessarily punitive I have not supplied proof of the alleged debt, and pursuant to the Doctrine of Estoppel by Silence, as recognized in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, I assert that the absence of a response constitutes an admission. Therefore, I must presume that no valid proof of the alleged debt exists, and consequently, no such debt exists in fact.

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 2025-04-19 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: MI

Complaint narrative:
Summary of Complaint : I am disputing a significant credit score decrease caused by the closure of an automotive account with XXXX XXXX XXXXXXXX XXXX. The account was closed between XXXX XXXX XXXX, and resulted in a XXXX drop in my score. I was not notified, and I believe the reporting is either inaccurate or unnecessarily punitive I have not supplied proof of the alleged debt, and pursuant to the Doctrine of Estoppel by Silence, as recognized in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, I assert that the absence of a response constitutes an admission. Therefore, I must presume that no valid proof of the alleged debt exists, and consequently, no such debt exists in fact.

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 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I use my banks bill payer service to pay all my bills in XXXX place. 
I schedule bills to be paid XXXX days before they are due. 

Citibank decided to stop accepting electronic transfer payments with no notice advance notice to me. My bill payer service had to switch to using a paper check, which was XXXX  days late. 
I always pay my bills in full, but I was charged interest and a late fee, because of Citibanks payment processing change. 

I called customer service and the late fee was removed but the representative didnt have the authority to remove the finance charge. I was transferred to a supervisor who refused to remove the finance charge. He kept repeating, in an icy cold voice, that my payment was late. 

I only found out my payment was late because it showed up in XXXX XXXX, which I use to see my charges all in XXXX place. I immediately paid for all new charges since my statement date, so I wouldnt be charged more interest on them. Had I not seen the problem through another app, Citibank would have charged me even more interest. Citibank did not notify me my payment was processed late. 

My payment was scheduled to arrive before the due date. It was processed late because of a change Citibank made with no advance warning. I consider the interest they charged me as theft.

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 monetary relief