vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I am writing to file a formal complaint against Coinbase regarding unauthorized transactions on my account and their subsequent unsatisfactory handling of the matter. My name is XXXX XXXX, and my Coinbase account was subject to unauthorized transactions in XX/XX/year>. On XXXX XX/XX/year>, I filed a formal complaint with Coinbase regarding these unauthorized transactions and the involvement of an individual impersonating a Coinbase representative. I received a response on XXXX XX/XX/year> ( attached ), where Coinbase stated they had thoroughly explained the issue in case # XXXX on XXXX XX/XX/year>. However, this explanation was vague and failed to address my core concerns. Coinbase has denied any compensatory payment, citing security reasons for not disclosing the factors behind their decision. They claim that my email account, password, 2-step verification codes, or devices were compromised, leading to the unauthorized transactions. I categorically deny this. I have secured all accounts and notified relevant authorities, including Action Fraud ( UK ). I have also stated in my response to Coinbase ( attached ) that there was no compromise of my credentials. My systems are secure, and I have taken all recommended security measures. Coinbase acknowledges the technical impossibility of reversing blockchain transactions. However, they fail to address their responsibility for the security of assets held within their platform. The BTC in question was passively accumulated, and I was not actively managing it. I believe Coinbase 's inability to safeguard these assets, despite my adherence to security protocols, should not be my sole responsibility. Furthermore, the initial explanation provided by Coinbase was insufficient and left numerous questions unanswered. I require a detailed explanation of how these unauthorized transactions occurred, especially given the lack of compromise on my end. This is not solely about reversing the blockchain but about the security of the Coinbase platform itself. I also raised concerns about an impersonation scam involving the transfer of ETH to my Coinbase Wallet. While I understand Coinbase is not responsible for third-party scams, this incident highlights potential vulnerabilities and the need for enhanced user education and security measures. Crucially, Coinbase has closed my complaint, effectively disabling any further avenue for response or appeal through their platform. This action leaves me with no option but to seek your intervention. In my response to Coinbase ( attached ), I demanded a detailed explanation of the security breach and outlined the steps Coinbase should take to prevent such incidents in the future. I requested a thorough investigation and a resolution that reflects their responsibility for safeguarding user assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by the credit bureau on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place inaccurate accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.The credit bureau has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). The credit bureau is flagrantly disregarding consumer protection statutes. I did not receive any notice from any negative accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN remove these account 's from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint.

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 2025-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
During my regular visit for XXXX XXXX  I was diagnosed with XXXX  XXXX and referred to XXXX XXXX in XXXX Maryland. After examination I was told a procedure needed to be done to me to treat my gum, I believe was XXXX XXXX treatmen and was told to wait for few weeks for my Insurance approval. 
After the insurance approval my co payment was going to be only {$1000.00} and the rest would be covered by the insurance, unfortunately that was not the case, after the procedure was done I was charged {$3100.00}, I did not agree to these charges, I contacted my insurance and was told they paid the treatment which made me to believe the bill was settled. 
My complain is {$3100.00} was reported on my credit report by a collection agent I believe legally medical bills are not required to be reported on credit bureau I don't agree with these charges, the Insurance agree to pay for the procedure and my payment was only {$1000.00}

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 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in addressing inaccuracies on my credit report ( s ). I have contacted the three major credit bureaus Equifax, Experian, and TransUnion regarding [ Specifically list the inaccurate item ( s ) on your credit report. I have provided documentation to support my disputes. 

Despite my attempts to resolve these issues directly with the credit bureaus, I have received no response from [ Specify which bureau ( s ) did not respond ]. My initial dispute letters were sent on XX/XX/2025 and I have yet to receive the required investigation results or deletion of the inaccurate information. This lack of response is causing significant harm to my credit score and my ability to secure a loan, rent an apartment, obtain favorable interest rates.. 

Furthermore, I am formally requesting, pursuant to 15 U.S.C. 1681i ( 7 ), a description of the reinvestigation procedures that the credit bureaus are employing to investigate my disputes. Section 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) explicitly requires that, upon request from a consumer, a consumer reporting agency must provide " a description of the procedure used to determine the accuracy and completeness of the information '' within 15 days of the request. 

I am formally requesting that the CFPB investigate this matter. I believe that the credit bureaus are failing to comply with their obligations under the FCRA by : * Failing to adequately investigate my disputes. 
* Failing to provide timely responses to my dispute letters. 
* Failing to remove inaccurate and unverifiable information from my credit report ( s ). 
* Failing to provide me with a description of their reinvestigation procedures as required under 15 U.S.C. 1681i ( 7 ). 

I have attached copies of [ List the attachments, e.g., " my credit reports, dispute letters. 

I urge the CFPB to intervene on my behalf to ensure that the credit bureaus conduct a thorough reinvestigation of my disputes and comply with the requirements of the FCRA. I look forward to hearing from you regarding the steps you will take to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in addressing inaccuracies on my credit report ( s ). I have contacted the three major credit bureaus Equifax, Experian, and TransUnion regarding [ Specifically list the inaccurate item ( s ) on your credit report. I have provided documentation to support my disputes. 

Despite my attempts to resolve these issues directly with the credit bureaus, I have received no response from [ Specify which bureau ( s ) did not respond ]. My initial dispute letters were sent on XX/XX/2025 and I have yet to receive the required investigation results or deletion of the inaccurate information. This lack of response is causing significant harm to my credit score and my ability to secure a loan, rent an apartment, obtain favorable interest rates.. 

Furthermore, I am formally requesting, pursuant to 15 U.S.C. 1681i ( 7 ), a description of the reinvestigation procedures that the credit bureaus are employing to investigate my disputes. Section 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) explicitly requires that, upon request from a consumer, a consumer reporting agency must provide " a description of the procedure used to determine the accuracy and completeness of the information '' within 15 days of the request. 

I am formally requesting that the CFPB investigate this matter. I believe that the credit bureaus are failing to comply with their obligations under the FCRA by : * Failing to adequately investigate my disputes. 
* Failing to provide timely responses to my dispute letters. 
* Failing to remove inaccurate and unverifiable information from my credit report ( s ). 
* Failing to provide me with a description of their reinvestigation procedures as required under 15 U.S.C. 1681i ( 7 ). 

I have attached copies of [ List the attachments, e.g., " my credit reports, dispute letters. 

I urge the CFPB to intervene on my behalf to ensure that the credit bureaus conduct a thorough reinvestigation of my disputes and comply with the requirements of the FCRA. I look forward to hearing from you regarding the steps you will take to address 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 2025-04-15 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
I must emphasize that this complaint is valid and not the result of any misunderstanding. My credit report contains inaccuracies that clearly fail to meet the legal requirement of maximum possible accuracy. These errors are having a profound and ongoing negative impact on my life, both emotionally and financially. This situation is deeply distressing, especially during an already difficult time. I am urgently requesting that these inaccuracies be thoroughly investigated and either corrected or permanently removed from my credit report without further delay.

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 2025-04-15 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: VA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NJ

Complaint narrative:
I have XXXX Mohela accts parent plus. My son graduated last XXXX & thought he could see those loans and was paying on them. I cl credit often as im trying to get another mortage & loans were listed as on time. Not once did i recieve any bills or notices of them being past due or delinquent. On XX/XX/year> got an XXXX  alert they were derogatory. My score fell XXXX points as a result. I contacted them explained situation they refuse to fix credit report as my son paid all past due amts XX/XX/year> in full.very misled on this process and fact they are switching platforms i think this fell off their radar and i wasnt notified at all until they reported it to the credit bureau. I now can not obtain a mortgage due to this incorrect reporting. They failed to notify me at all that acct was due. My son thought he had all the loans on his XXXX acct. we werent aware they are seperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that Equifax immediately block all information on my consumer credit report that is the direct result of identity theft and fraud. This action is required within four ( 4 ) business days of your receipt of this complaint. 

The fraudulent, inaccurate, and false information that I demand be blocked includes, but is not limited to, the following accounts : Another auto loan account opened at Chrysler Capital XXXX XXXXXX/XX/year> under the account number ( private ). 


These fraudulently opened accounts have resulted in the reporting of several inaccurate and unauthorized collection attempts on my consumer credit report maintained by XXXX, severely damaging my creditworthiness. For your review and to support my claim of identity theft and fraud, I have attached the following crucial documents : A detailed list of the fraudulent collection accounts appearing on my XXXX  credit report. 
A copy of my consumer credit report from XXXXXXXX clearly highlighting the disputed fraudulent accounts and associated collections. 
A copy of the official Identity Theft Report filed with the U.S. Federal Trade Commission ( FTC ), bearing the case number : ( private case number ). This report serves as irrefutable evidence that the aforementioned accounts and collections are the direct result of identity theft. I unequivocally state that I do not recognize these accounts or the associated collection attempts. I did not open, authorize, or make any transactions on the Chrysler Capital XXXX loan. All of these items are the direct result of identity theft and fraudulent activity. 
As mandated by the FCRA 605B, I demand the immediate blocking of all aforementioned fraudulent information from my consumer credit report. This action must be completed within four ( 4 ) business days of your receipt of this complaint. Failure to comply with this legal requirement within the stipulated timeframe will leave me with no alternative but to consider further legal action to protect my rights and correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: WI

Complaint narrative:
My credit score dropped by over XXXX points due to student loan late payments, but I was not made aware that my student loans were past due and going to be reported on my credit report. I was not informed of anything on my credit report or email. I have XXXX through student loans. It all reported on XX/XX/year>. 
I have already paid towards my private student loan and contacted advantage for a payment plan for income based to reconsolidate my student loans to start making payments immediately.

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 2025-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
No validation of debt and to due so would violate HIPAA

Company response to consumer: Closed with explanation