vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) reporting guidelines. Please see the details below and conduct a compliance investigation promptly. 

1. Inaccurate Bankruptcy Information My credit report reflects a Chapter 7 bankruptcy opened on XX/XX/XXXX. Upon review, I have found this account to be fraudulent, incomplete, or unverifiable. Under FCRA guidelines, any information that can not be verified or is inaccurate must be corrected or removed immediately. Please investigate and provide documentation verifying the accuracy of this bankruptcy. If verification is not possible, I demand its deletion. 

2. Unauthorized Credit Inquiries I have identified nine unauthorized credit inquiries on my report that I did not authorize. Under FCRA 1681b ( c ), credit inquiries require my explicit consent. As I did not initiate or approve these inquiries, they constitute a violation of my consumer rights. 

The following fraudulent inquiries must be removed from my credit report immediately : XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request immediate deletion of these inquiries as they were reported without my authorization. Additionally, please provide proof of my consent for each inquiry or remove them per FCRA guidelines. 

Action Requested 1. Remove the inaccurate bankruptcy entry unless verifiable evidence can be provided. 
2. Delete all unauthorized inquiries from my credit file immediately. 
3. Provide a written response within 30 days, as required by law, confirming these corrections. 

Failure to comply with this request may result in legal action, as unauthorized inquiries and inaccurate reporting violate federal consumer protection laws. I expect your prompt attention to this matter. 

Please send confirmation of these corrections in writing to my address above. If you require any additional information, do not hesitate to contact me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Debt of {$1100.00} is said to be owed to XXXX XXXX XXXX as of XX/XX/XXXX. Was sent to Jefferson Capitol Collections XXXX, XXXX. I have never had XXXX. I have always used a prepaid service for my phone. I have tried to dispute this with the credit reporting company and nothing is done about it. This debt doesnt belong to me. It doesnt even look like a real number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
Experian has a new credit report for today XX/XX/2025. I have bankruptcy that was discharged in XX/XX/2025. Experian reported 8 new accounts that have are delinquent and show that my last delinquent account is month. After searching through the full report every account I have is accounted for and is reporting correctly. I am unsure as to where these new delinquent accounts have come from.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-03-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX. Account # : XXXXXXXX XXXX. Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of info
rmation that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights 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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
Date of initial contact : XX/XX/2025 Received 2 unauthorized XXXX authentication texts from what appeared to be Coinbase from number XXXX saying that if I didn't request the codes or try to log in. 
Texts included a phone number to call if I didn't request the authentication Scam Details : Called the provided number as instructed as I had not requested the XXXX codes. 
Was informed by the " coinbase representative '' that my account had been compromised from XXXX. 
They said they would be opening an investigation and that my account would be put on hold for the next 24 hours to ensure no unauthorized transactions could happen.

Was kept on phone for approximately 1 hour The person on the phone sent me an email that appeared to be from XXXX XXXX XXXX - in the header and reply to email. I had previously communicated with this email address from coinbase several years ago, so I thought it was legitmate after I saw that. 
Representative guided me through setting up a new coinbase wallet for " security purposes '' Was instructed to transfer all funds to XXXX from my Coinbase account to this new wallet Received multiple emails appearing to be from XXXX XXXX XXXX  with security passphrases that I was instructed not to share, to write it down on paper as I would need it for security. 
Was told Coinbase would guarantee all funds, cover the transfer fees and would convert the funds back after they were sure my account was secure. 
Was promised my funds would be returned after the investigation. 
I did not receive any updates and could not see my funds in the wallet any longer. 
I contacted coinbase support to get an update and after they told me they COULD in fact see my case in the system and were looking into it, another rep told me I had been the vicitm of a scam. 

Evidence : Two phone numbers used by scammers : First number provided above, that is the number the texts came from. The second is XXXX that I was told to call. 
Wallet address funds were transferred to : XXXX - my new wallet they helped me set up. Then they sent it to XXXX Copies of spoofed emails received from " XXXX XXXX XXXX '' Screenshots of text messages received Timeline and notes from approximately 1-hour phone call. 
XXXX was XXXX  XXXX. Was very knoweldable and played the " concerned support rep '' very well. Guided me through every step as is they had done this many times before. 

Verification Steps Taken : Checked email header and reply-to email address which appeared to be XXXX XXXX XXXX Had previously received legitimate emails from this same address from the real coinbase, which is the only reason I believed them. 
Contacted official Coinbase support after incident, who confirmed this was a scam Additional Notes : Can identify scammer 's voice if needed Could provide detailed account of the XXXX conversation XXXX used sophisticated social engineering techniques including time pressure and security terminology

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your 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 explanation
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your 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 2025-03-12 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: PA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
XXXX offered a new account bonus of {$250.00} when you ( 1 ) make an initial deposit of {$50.00} ( 2 ) receive a direct deposit of $ XXXX and ( 3 ) maintain that balance of at least {$500.00} for XXXX days. I complied with the terms of the sign up agreement. I have not received the bonus. The customer service representative confirmed that I met the requirements on the phone and sent the case # XXXX to be reviewed. XXXX still has not paid out. I called again and the representative told me that there was nothing they could do.

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 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I originally submitted my Borrower Defense application on XX/XX/XXXX, and according to the original timeline, a determination ( approval or denial ) was due by XX/XX/XXXX. Additionally, under federal regulations, if a Borrower Defense application remains undecided beyond the required timeframe, the borrowers claim is supposed to be granted. Despite exceeding both deadlines, my application remains unresolved. 

I have made multiple attempts to obtain an update from both the Department of Education and my loan servicer, XXXX, but I have been repeatedly informed that it will take an additional year to determine the status of my application. In the meantime, I am still required to make payments on my loan, and it continues to accrue interest. 

This situation is causing unnecessary financial hardship and is in direct violation of federal guidelines governing Borrower Defense claims. I respectfully request that the CFPB investigate this matter and ensure that my application is reviewed and resolved in a timely manner. Additionally, I request that my loan payments and interest accrual be paused while my application remains in limbo.

Company response to consumer: Untimely response