vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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 continuing to report an inaccurate and unverified account on my credit report : XXXX XXXX XXXX XXXX, ending in XXXX. 

I have disputed this item multiple times with Equifax, and it has never been properly verified. The exact same account was removed by both Experian and XXXX  after they could not verify its accuracy or legitimacy. 

Despite repeated disputes, Equifax continues to reinsert or maintain this inaccurate, unverified, and damaging item on my credit file without providing any documentation or verification from the original furnisher of information. This is a violation of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681i ( a ) failure to conduct a reasonable reinvestigation 15 U.S. Code 1681e ( b ) failure to ensure maximum possible accuracy XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ) bureaus must go beyond the furnisher in reinvestigations 15 U.S. Code 1681n Equifax is willfully violating the FCRA by ignoring my disputes I have made multiple attempts to resolve this directly, and Equifaxs behavior is now malicious, negligent, and harmful to my credit. They are refusing to uphold basic consumer protection laws. I am requesting CFPB intervention to force Equifax to : Permanently delete this inaccurate and unverifiable account ; Cease all further reporting of this item ; Provide proof of the source and method of verification if they intend to keep it on my file. 
This issue is affecting my financial standing and mental well-being. I am also preparing a civil case if this is not resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-29 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Coinbase , Inc., a digital asset trading platform, for what I believe to be unfair and potentially abusive account practices. Background I am a Coinbase user who has used the platform to trade and hold various digital assets, including high-volatility cryptocurrencies. Recently, during a period of significant market movement involving assets I held, my account was unexpectedly and unjustifiably frozen. This freeze prevented me from buying, selling, or even withdrawing my funds at a critical time.

Key Concerns No Warning or Clear Explanation : Coinbase did not notify me in advance or provide a clear justification for the account freeze.

Inaccessible Assets During Market Volatility : The timing of the freeze coincided with a volatile market period, which impacted my ability to manage my assets and avoid losses.

La

ck of Support Response : Attempts to contact Coinbase customer support yielded generic replies with no substantive assistance or resolution. Potential Conflict of Interest : I am concerned that restricting retail user access during market surges could allow Coinbase or its affiliates to benefit from market fluctuations at the expense of individual customers. Request for Action I respectfully request that the CFPB : Investigate Coinbases use of account freezes, particularly during times of market volatility. Determine whether these actions constitute unfair, deceptive, or abusive acts or practices ( UDAAP ). Encourage Coinbase to improve transparency and responsiveness in how it communicates account restrictions to its users. As a consumer, I expect fair access to my own assets and timely communication when that access is restricted. I believe that Coinbases actions in this matter have caused avoidable financial harm and violated the principles of fair financial service. Thank you for your time and consideration. I am happy to provide further documentation or account details as necessary. Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Block, Inc.
State: GA

Complaint narrative:
Money was XXXX  from my acct and left me in The negatives and I couldnt get my money back. Someone had access to my acct to send over XXXX to there selves

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I have unfortunately fallen victim to identity theft during a challenging time when I was recovering from major XXXX XXXX and dealing with XXXX XXXX. The account in question is a direct result of this theft, and it has caused me significant distress. I am exhausted from the constant harassment by this creditors CONSERVE regarding an account that I do not owe. Every day, I receive calls and messages that only add to my stress and anxiety. It feels incredibly unfair to be pursued for something that is not my responsibility, especially when I am trying to focus on my health and well-being. I kindly ask for your assistance in resolving this matter so that I can regain my peace of mind. I would greatly appreciate it if you could remove this account from my credit report. This would allow me to move forward with my life without the burden of this unjust situation. Thank you for your understanding and support in helping me through this difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ DEPT OF EDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/AXXXX XXXX  Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on an alleged debt related to an XXXX account for over {$8000.00}. I have repeatedly requested full validation under the Fair Debt Collection Practices Act ( FDCPA 809 ) and have received only generic, unverified documents including billing statements, unsigned agreements, and non-identifying schedules. None of these prove they legally own the debt, that it is accurate, or that I am the correct party. They are still furnishing this unverifiable debt to Equifax. This is a violation of both the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up for and was approved for an XXXX XXXX Citi AAdvantage card on XX/XX/year>. The offer was for a sign up bonus offer of XXXX miles if a certain spending limit ( {$3500.00} ) was met. When the card arrived in the mail, I used it to purchase XXXX XXXX tickets ( XX/XX/year> ), which exceeded the amount needed to earn the sign up bonus. I have made a few additional purchases since that date. According to the first monthly statement I received, I spent {$4400.00}, which is clearly more than is required. 

There is a tracker on the credit card app, and that tracker is saying that I have only spent {$250.00}, which is how much I spent during the second statement. It says I need to spend another {$3200.00} by XX/XX/year> in order to earn the bonus miles. It is completely disregarding the first purchases made in the first month. 

I have called XXXX  times to try to get this fixed. Whenever I call, they start the call by saying that I have not met the minimum. I ask them to look again, and once they do, they acknowledge that I have exceeded the minimum amount and have earned the sign up bonus miles. 

The first person on the first call ( XX/XX/year> ) said it would be resolved and show in my account in 10 days, and it did not. The second person I talked to on the second call ( XX/XX/year> ) said it would show up on my next statement, which it did not. The third call today ( XX/XX/year> ) I spoke with XXXX people because I also asked to speak to a manager. They told me to 'rest assured ' it would show up within 7 days. 

At this point I want to make sure they are held accountable for giving me the bonus miles that were a part of the sign up deal. While I did not expect the miles to show up instantly, I am concerned that their spending tracker is not acknowledging the thousands of dollars worth of purchases that should earn me the miles. And it is clear this is a real issue, since every time I call they have to do additional digging in my account to confirm that I did exceed the limit.

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 2025-05-29 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: FL

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 explanation
Consumer complaint received 2025-05-29 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 was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX  - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I signed onto there app at experian.com for access to my XXXX accurate credit reports.experian, XXXX XXXX XXXX. I only have access to XXXX report, being experian. This is AGINST the FCRA. Because this is NOT accurate reporting of my credit report. Please look into this matter .thank you for your prompt response.

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I am filing this complaint regarding a debt collection account being reported on my credit report that contains incorrect and incomplete personal identifying information. 

Specifically, the debt is being reported under a name that is not mine ( or is missing part of my name ), and/or an address that is not properly listed. I was never notified of this debt through mail or any other form of communication at my correct address, which denied me my legal right to dispute or validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

I have not received proper validation of this debt, and I dispute its accuracy and ownership. The collector has failed to report with accurate personal information as required under the Fair Credit Reporting Act ( FCRA ), which mandates that only complete and correct information be reported to the credit bureaus. 

I request that the CFPB investigate this matter, and that the collection agency provide documentation verifying the debt and correct any errors in personal information. If they are unable to validate the account or confirm the correct personal identity and address, the item should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
This complaint addresses the ongoing reporting by Equifax of XXXX charge-off accounts that remain on my credit report without sufficient verification or reinvestigation. The accounts in question are XXXXXXXX XXXX XXXX ( Account No. ending in XXXX ), reported on XX/XX/XXXX for {$8000.00}, and XXXX ( Account XXXX. ending in XXXX ), reported on XX/XX/XXXX for {$9800.00}. These charge-offs have never been fully validated with original, verifiable documentation and may be connected to erroneous data or a compromised file due to data breaches that have affected millions of consumers, including potentially myself.

Equifax is required under 15 U.S.C. 1681i to conduct a timely and reasonable reinvestigation into disputed items. Additionally, the FCRAs 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure maximum possible accuracy. Furthermore, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, the CFPB alleges that Equifax engaged in sham investigations, violating consumer protection laws by neglecting its responsibilities. Under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax must reinvestigate disputed items within 30 days, and per 15 U.S.C. 1681 ( a ) ( 5 ), any unverifiable, inaccurate, or incomplete information must be promptly deleted or corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I receive multiple calls daily from debt collectors claiming they are from the same company. I have tried asking them to not call and blocking their number, but they call from a different number. It will be anywhere between 3-5 calls per day. Today, I have gotten 3 different calls. On Tuesday, I received 5 calls. All claiming to be from the same debt collection agency.

Company response to consumer: Closed with non-monetary relief