vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I was trying to purchase a car, but I saw a lot of damages on my credit report where it affected me getting a car loan or any type of loan and according to the 15 u.c.s 1681 law there should not be any damages to my credit report its a defamation to my character

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 2025-08-04 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: IN

Complaint narrative:
TransUnion is continually letting imposters use my credit and letting them. Ive expressed concerns too many times for this to still Happen. 
XXXX is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  all fraudulent account. 

Experian is doing the same With names, socials, addresses, phone number, and accounts my birth year is incorrect. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX. 

Please read and review and only report correct info

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 2025-08-04 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-04 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a complete identity theft report to Equifax. This included : An FTC Identity Theft Affidavit Government-issued ID and proof of address A written statement identifying multiple fraudulent accounts Under FCRA 605B, Equifax is required to block all identity theft-related accounts within 4 business days. While XXXX XXXX was removed, several other fraudulent accounts from the same XX/XX/XXXX submission still appear on my credit report. 

Partial removal is not compliant with the law. Equifaxs continued reporting of any fraudulent accounts constitutes violations of FCRA 605B, 611, and 607 ( b ). 

These accounts are negatively affecting my credit and financial standing. I am requesting that the CFPB hold Equifax accountable and require full and immediate removal of all identity theft-related accounts identified in my XX/XX/year>XXXX  dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: KEYCORP
State: WA

Complaint narrative:
XX/XX/XXXXXXXX  I made a principle payment to my loan. I have a signed agreement with Key bank to have an auto payment on my loan debited from my account on the XXXX of every month since XXXX. The following are attached loan statement, Principal receipt, a privilege acct statement. Reviewed my statement on XX/XX/XXXXXXXX  an notice everything was hay wire. I called immediately and talked XXXX. 
XXXXXXXX XXXX XXXX stated to wait and thing will work out. he did notice an issue. He stated to call in my principal payment for XXXX. My statement reflected that my auto payment did not go through-it was REVERSED and that I owed doubled for XXXX. I do not think that it is legal for a bank to pick and choose when to apply a customer loan payment, especially when I have a signed agreement. 
Called in XXXX XXXX to XXXX on XX/XX/XXXXXXXX  talk to a girl did not get her name. checked back on my account a couple days later it was still a train wreck mess. Nothing had gotten straightened out. So I called XXXX again and spoke to a girl I did not her name. She state that my account was accurate I said no way-do math it's not adding up. I requested to speak to management but of course that is not going to happen. The girl state that she would escalate the issue. She stated that she would have someone call me. In addition, suggested that I might want to follow up at my branch location. So I drove to XXXX XXXX XXXX where I applied for this loan and spoke to a XXXX which stated that my loan was accurate. Oblivious that some of the employees need to be re-educated on basic math. XXXX then told me that my home branch was XXXX XXXX near my home of record. How am I supposed to know this. I have not been notified by Key Bank where my home branch is??? So I went into Key bank to stress my concerns and the young girl did notice discrepancies and did call for her management to step in. XX/XX/XXXX. I provide XXXX with as much information as I had at the time on file. XXXX state that he would pursue this issue and get back with me. Possible with a XXXX  meeting. I did not hear back from XXXX so I returned to the bank and spoke to XXXX and she stated that she would XXXX  with the loan center. I feel that Key bank need to fix this. I have never made a partial payment and they owe me back interest. My XXXX statement Key bank tried to fix but there are still multiple errors so now I am really mad and I have back tracked even further. When a customer makes a principal payment it need to be applied 100 % to the principal with out QUESTION. Customers should not have to be tracking a banking institution for errors. It makes me wonder how many other people has this happened to??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: ID Analytics, Inc.
State: OK

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXXXXXX XXXX XXXX XXXX XXXX I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUD INQUIRIES FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-04 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: EQUIFAX, 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.

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 : It also states a consumer reporting agency can not furnish a account without my 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FINAL DEMAND Removal of Obsolete Personal Information Under Metro 2 Compliance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX [ SSN - XXXX Date XX/XX/XXXX To Whom It May Concern, This is a FINAL DEMAND for the immediate removal of inaccurate and outdated personal identifying information from my credit profile. Continued reporting of obsolete names, addresses, and employers is a direct violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The following entries are not legally verifiable, are no longer accurate, and must be deleted immediately : My current verified information is as follows : - Full Legal Name : XXXX XXXX - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX cell : XXXX emaill address : XXXX ) Under FCRA 609 and 611, I am demanding a full reinvestigation of this personal information. If any of the listed items can not be fully verified through original source documentation not third-party databases they must be permanently deleted. 

Failure to act within 7 days will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. Continued negligence in removing unverifiable data will expose your agency to liability. 

This is not a request this is a formal demand for compliance. 

Sincerely, XXXX XXXX cell : XXXX emaill address : 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 2025-08-04 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: MS

Complaint narrative:
I previously disputed the XXXX  account ( account ending in XXXX ) with TransUnion. The tradeline still contains inaccurate and unverifiable information. 
Issues include : Date Opened is reported as XX/XX/year>, while Experian reports a different date. The High Credit is reported as {$300.00}, while Experian lists {$0.00} this is a material discrepancy. The account shows {$0.00} balance and {$0.00} past due, yet is coded as Collection/Chargeoff, which is contradictory and misleading. Comments differ from other bureaus, stating Charged off as bad debt. Purchased by another lender, which is inconsistent with XXXX wording. The Date of First Delinquency ( DOFD ) is missing, making the account unverifiable

under FCRA 611. I have already disputed this account with TransUnion, and the reporting remains incorrect. This violates FCRA 607 ( b ) and 611. I am requesting CFPB intervention
to have this account removed.

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 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-04 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was very distressed to discover an account on my credit report that I do not recognize or own. This false listing is not only inaccurate but is also causing personal stress and financial inconvenience.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting a complaint about outdated or unknown personal information on my credit report. I have mailed a dispute to TransUnion, Experian, and Equifax requesting the removal of incorrect and outdated details, old addresses, old employer and incorrect name variations. This information is linked to negative accounts that I have disputed separately. Please find attached my dispute letter and supporting documentation.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting a complaint about outdated or unknown personal information on my credit report. I have mailed a dispute to TransUnion, Experian, and Equifax requesting the removal of incorrect and outdated details, old addresses, old employer and incorrect name variations. This information is linked to negative accounts that I have disputed separately. Please find attached my dispute letter and supporting documentation.

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 2025-08-04 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I have a Coinbase account linked to my business account and I'm trying to withdraw money from cou base to my bank account and it won't let me. It let 's me deposit money into coinbase but when I try to take my money out and put it in my account, it tells me that credit cards aren't supported tho it's not a credit card. It's a standard business account that allows ACH transactions. COINBASE is making it impossible to get my money out. I've been trying for two years to get someone in the phone and that Never works.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXXXXXX Balance : {$5400.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation