vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them 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 XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report 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

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 2025-05-23 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: NJ

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing XXXX express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, XXXX  have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet XXXX receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file XXXX hindering my ability XXXX live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, XXXX  I am left with no choice but XXXX  plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken XXXX  update XXXX rectify my credit report without any further delay. With your help, I hope XXXX restore the accuracy XXXX integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you XXXX  give this matter your utmost attention XXXX take swift action. Your cooperation XXXX support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding XXXX assistance.

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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure XXXX  comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data XXXX maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies XXXX  take immediate steps XXXX rectify the disputed entries. 

Account name : XXXX XXXX Account number : 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 2025-05-23 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: NY

Complaint narrative:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section XXXXB of the FCRA ( 15 U.S.C. XXXX ( a ) ), please block and delete the accounts within XXXX  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 Address XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section XXXXB of the FCRA ( 15 U.S.C. XXXX ( a ) ), please block and delete the accounts within XXXX  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 Address XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On Tuesday, XX/XX/year>, @ XXXXXXXX XXXX I received a text message from Coinbase informing me that my password has been changed and to call Coinbase XXXX I did not initiate that change. As I did not make the change, I immediately called Coinbase ( @ XXXXXXXX XXXX ) but could only reach their automated system which let me request an account lock which I did. I called back immediately after that and requested the account lock again ( XXXX & XXXX ) after again, being unable to reach a live representative. I called back two more times ( XXXX and XXXX ) after that to try and get through to a representative but could not. The only way a customer can reach a representative at Coinbase is to be logged into your account but as the hacker had changed my password, I was locked out so I could not get to a representative. 

I was finally able to do a password reset and get back into my account around XXXX but by then all of my crypto, which was worth about {$130000.00} had been drained and Coinbase had cleared all of the transactions at XXXX. The most frustrating part was Coinbase security performed security reviews of these transactions but cleared them despite 1 ) my request to lock my account at XXXX, XXXX, and XXXX and XXXX ) Coinbase actually locking my account at XXXX after I was finally able to get to a representative at XXXX. 

When the automated system is the only access a customer has to Coinbase when being hacked and Coinbase fails to act, and when their security team does a review of these transactions and doesn't detect any fraud and allows these fraudsters to send my money out, this is serious lack of consumer protection and even minimal basic level of service. 

I have screenshots of the call logs to Coinbase at above times and all subsequent call attempts and activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-23 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed XXXX request pursuant XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft XXXX fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, XXXX false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX XXXX a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4800.00} that appears related XXXX the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries XXXX fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, XXXX hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, XXXX hard inquiries are the result of identity theft XXXX fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, XXXX  hard inquiries are the result of identity theft XXXX fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: IL

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

FRAUDALENT ACCOUNTS : Account Name : CXXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX, who is reporting a collection account on my Experian and Equifax credit reports. Despite three separate dispute attempts, the account continues to appear, even though no verification, ownership proof, or original debt documentation has ever been provided. 

Account Details : Furnisher/Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XX/XX/XXXX ( Equifax ) Status : Collection Remarks : Account information disputed by consumer under the Fair Credit Reporting Act Background : This is the third time I have disputed this account. I requested : Proof of ownership of the debt by XXXX XXXX XXXX A copy of the original billing agreement or contract Verification of the debts origin, age, and validity To date, none of this information has been provided. The time of the original debt is unknown, and I have received no verification from either XXXX  or the credit bureaus. Therefore, continued reporting of this item is both inaccurate and unlawful. 

Violations of Federal Law : This conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1681i Credit bureaus must reinvestigate disputes and delete unverifiable data 15 U.S.C. 1681 Guarantees accuracy and transparency in credit reporting 15 U.S.C. 1681b ( a ) ( 2 ) Limits access to credit reports to those with a valid purpose 15 U.S.C. 1692g Requires debt collectors to provide written validation of the debt within 30 days upon request Given the lack of verification after three attempts, this account is in clear violation of these laws and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name # MIDLAND CREDIT MANAGEMENT XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of conviction and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) Section states : A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC XXXXg ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC XXXXc ( Section XXXX ( c ) ). 
Harassment under 15 USC XXXXd ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. CXXXXe XXXXb.

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 2025-05-23 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: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC XXXXg ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC XXXXc ( Section XXXX ( c ) ). 
Harassment under 15 USC XXXXd ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. CXXXXe XXXXb.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I am filing a complaint regarding multiple closed accounts reported by Affirm Inc. that are negatively affecting my credit report. These accountsdespite being paid and closedcontinue to reflect derogatory marks, including 30-, 60-, and 90-day late payments, as well as collections status on several items. 

I was unaware that these derogatory items existed until recently reviewing my credit report. I never received sufficient notice or documentation from Affirm regarding these delinquencies or collections. Upon discovering these entries, I reached out to Affirm to dispute the accuracy of the reported payment history and request validation. 

Despite my attempts to resolve the matter directly with Affirm, they failed to provide verification or offer a resolution. In XX/XX/XXXX, I filed a dispute through the credit bureaus, but the result indicated the items " remained unchanged '' after reinvestigation, with no further evidence or explanation provided. 

I am now seeking the CFPBs assistance in ensuring that : Affirm Inc. provides complete, documented evidence that I was notified of these debts and payment issues in a timely and verifiable manner. 

If they can not verify the accuracy of the reported delinquencies and collections, that these items be corrected or removed from my credit report. 

The affected account numbers ( last XXXX digits shown for privacy ) are : XXXX ( Opened XX/XX/XXXX Closed, never late ) XXXX ( Opened XX/XX/XXXX 30 days past due in XX/XX/XXXX ) XXXX ( Opened XX/XX/XXXX Multiple delinquencies, collections ) XXXX ( Opened XX/XX/XXXX Multiple delinquencies, collections ) These accounts are over XXXX XXXX XXXX, paid in full, and should not be reporting potentially inaccurate negative items. I believe this is causing undue harm to my creditworthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding LLC called my phone and stated that I owe a XXXX credit card balance of over {$3000.00} and that I opened this account in XXXX. This is a total lie since I dont shop at XXXX and never had an interest in obtaining a XXXX credit card. Midland funding called me from this number ( XXXX ) at XXXX on XX/XX/XXXX and tried to threaten me by telling me where I worked. I dont know if my ex wife fraudulently opened this account in my name or not because we were divorced by about XXXX. 
I consider this harassment and I would like this reported and stated that I personally do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please ensure these accounts are blocked and deleted 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 CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation