vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is myfourth formal complaintagainst credit bureau for non-compliance with theFair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) concerning fraudulent accounts resulting from identity theft.

Previously, I submitted a complete FTC Identity Theft Report, proof of identity, and supporting documentation, all required under FCRA 605B. Credit bureau hasrefused to block the fraudulent accountsand sent a letter denying my request, despite full legal compliance on my part. 
The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I did not open or authorize these accounts. They are the result of identity theft and do not belong to me. 
Although these accounts arenot currently appearingon my credit file, I am concerned they may bereinserted, especially in light of credit bureau denial of my prior request. credit bureau refusal to block these tradelines, even temporarily, is a violation of their legal obligation to act within4 business daysunder FCRA 605B.

I am requesting the following : Immediate confirmation that these accounts will bepermanently blockedfrom my credit file. A formal explanation of why the FTC Identity Theft Report was denied Written assurance that these accounts willnot be reinsertedinto my report at a later date Attached to this complaint : A copy of TransUnions denial letter Updated FTC Identity Theft Report Valid photo ID Proof of my current address Please take immediate action to ensure full compliance with 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 explanation
Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
Equifax is currently reporting XXXX inaccurate account on my credit file that does not belong to me. I am a victim of identity theft and have already submitted disputes directly to Equifax, including an Identity Theft Report, government-issued ID, and proof of address. Despite providing this documentation, Equifax has failed to remove this fraudulent account. This continued reporting of inaccurate information violates the Fair Credit Reporting Act ( FCRA ), which requires inaccurate or unverifiable accounts to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
Mohela mishandled my federal student loansin ways that caused financial harm and delayed my access to forgiveness programs. Mohela failed to process my paperwork correctly, misreported my payment history, and continued billing me after I qualified for discahrge. Their actions violated federal servicing standards and consumer protection laws. I am requesting full loan discharge for any loans serviced by Mohela, a correction on my credit report, and refund of any payments made in error.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CT

Complaint narrative:
On or about XX/XX/year>, a collection account was placed by Harris & Harris , Ltd. for an alleged balance of {$1200.00} with the original creditor listed as XXXX XXXX. The account was reported as unpaid with a status date of XX/XX/year>. 

I disputed this debt in writing and requested validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). Harris & Harris has not provided a signed contract, itemized accounting, or proof that they have legal authority to collect this debt. 

Additionally, Harris & Harris , Ltd. is not licensed as a consumer collection agency in XXXX as required by XXXX XXXX XXXX XXXX XXXX, which means they are not legally permitted to collect debts in my state. Despite this, they have continued collection efforts. 

I also identified that my credit report reflects an inaccurate address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) which is not, and has never been, my residence. This is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ), as the company is reporting false information to the credit bureaus.

I am requesting that this account be deleted from all credit bureau files and that the inaccurate address be removed. Harris & Harris must cease all collection activity unless they can provide proper documentation proving the validity and their legal authority to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NY

Complaint narrative:
Equifax is currently reporting XXXX unauthorized credit inquiry on my credit file. I did not initiate or authorize this inquiry. I have already submitted an Identity Theft Report and proof of my identity, but Equifax has continued to report this inquiry even after my dispute. This is inaccurate and damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-13 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: TN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are three unauthorized credit inquiries being reported on my Experian credit file. I did not initiate or authorize these inquiries, nor did I give anyone permission to access my credit. These are a direct result of identity theft, for which I have already filed an official Identity Theft Report and provided supporting identification. Despite my disputes and documentation, these three unauthorized inquiries are still being reported, which is inaccurate and harmful to my credit.

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 2025-09-12 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence CREDENCE RM Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I identified multiple discrepancies in my Chime Checking and XXXX XXXX account statements totaling {$560.00}. These discrepancies include missing transfer amounts and an uncorrected balance carry-over error. 

For XXXX XXXX, transfers left my Checking account but did not fully post to my XXXX XXXX account, creating shortfalls of {$40.00} in XXXX, {$50.00} in XXXX, and {$60.00} in XXXX ( total {$150.00} ). 

For XXXX XXXX, additional discrepancies occurred : a {$2.00} transfer shortfall in XXXX, a {$200.00} shortfall in XXXX, and a {$200.00} carry-over balance error when XXXX ending balance did not transfer into XXXX as it should have ( total {$410.00} ). 

On XX/XX/XXXX, I submitted formal written disputes to Chime with detailed reconciliations and supporting statements. More than 30 days have passed since Chime received my disputes, yet they have not resolved the discrepancies. Chime has refused to perform proper reconciliation of the transfers and instead relies on inaccurate statement figures. 

I am requesting that Chime correct these errors, credit the missing {$560.00}, and issue accurate statements reflecting the proper balances and transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
I am submitting a complaint after reviewing my credit report and discovering several entries that do not accurately reflect my financial history. These items are deeply concerning to me because they present a misleading picture of my creditworthiness and violate the protections provided to me under the Fair Credit Reporting Act.

One of the most troubling issues is the way some accounts are being reported as late and closed, even though many of them carry no balance. For, XX/XX/XXXXshould not continue to be reported negatively when no money is owed. In addition, XX/XX/XXXXare reporting late payments inaccurately. These entries are not consistent with my actual payment history, and under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), the information must be accurate, verifiable, and fair. 
I also noticed a charge-off that is being reported despite showing no balance : XX/XX/XXXX( Acct : XXXX * * XX/XX/XXXX Balance Owed : {$0.00} XX/XX/XXXX It is misleading and harmful for this account to remain in a charge-off status under these circumstances. In line with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, I am requesting its removal. 
Additionally, there are collection accounts that appear incorrectly. XXXX XXXX / Original Creditor : XXXX XXXX XXXXXX/XX/XXXXare not valid representations of my obligations. The FCRA 605B / 15 U.S.C. 1681c-2 clearly protects me from having unverified or fraudulent collections remain on my file. 
Finally, I was concerned to see multiple inquiries listed that I did not authorize. These include XXXXXX/XX/XXXXXX/XX/XXXX I never gave consent for these inquiries, and their presence is unlawful under FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which require inquiries to be authorized and permissible.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I identified inaccurate and unauthorized information being reported on my credit file. I contacted the company on [ insert date ( s ) ] to dispute these items and requested supporting documentation under the Fair Credit Reporting Act ( FCRA ), including proof of debt validation, account-level documentation, and permissible purpose for reporting. 

The company failed to provide complete and verifiable documentation as required by law. Instead, I received [ describe briefly what they sent, e.g., a form letter with no proof, no response at all, or incomplete/inaccurate documents ].

This failure to provide documentation violates my rights under FCRA 609, 611, and 615, which require accurate reporting and proper investigation. I am requesting the immediate removal of these unverifiable and unauthorized items from my 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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Subject : Urgent : Account Freeze, Withholding of Assets, and Financial Abuse I am a XXXX consumer whose Coinbase account has been frozen for approximately 3 years. During this time, Coinbase has : Blocked repayment of an alleged debt of {$1200.00}, while continuing to collect $ XXXX annually in so-called transaction fees. Never validated the debt I denied you it to pretend they are licensed sanctioned debt collector they are prohibited from doing this and did it anyway Withheld all access to my wallets and prevented migration of funds. 
Blocked XXXX XXXX  and staking profits while reporting balances as zero. While taking my deposit profits out I never saw them do this because they did not show it they said no activity zero balence Ignored repeated communications and refused transparency. 
These actions constitute financial abuse of a XXXX consumer, predatory debt collection, and unlawful withholding of assets. Coinbases conduct violates : Federal law : FDCPA ( 15 U.S.C. 16921692p ), CFPA ( 12 U.S.C. 5531 ), CARES Act ( 15 U.S.C. 9056 ) California law : W & I Code 15610.30 ( financial abuse of XXXX/dependent adults ), Cal. Civ. Code 1788 ( Rosenthal Act ) I demand : Immediate release of all frozen accounts and digital assets, including profits. 
A full accounting of fees deducted and blocked funds.Written confirmation that the alleged debt is satisfied. 
Coinbase fails to respond within 14 days, I will escalate this matter to : California XXXX ( XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) U.S. Securities and Exchange Commission ( SEC ) DOJ and law enforcement for financial abuse and cybercrime Please treat this as formal notice of illegal financial abuse and predatory attack I have been in hospital in XXXX  3 times XXXX  XXXX XXXX  declared XXXX XXXX  and the whole time I do t think I have any money then I see I have XXXX but I cant get it because Coinbase is taking it and not even letting me know their transaction fees are XXXX really since when do they get to steal money? Impersonated a licensed sectioned debt collector and thats prohibited

Company response to consumer: Closed with explanation