vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase, XXXX, XXXX, and XXXX did more to help a XXXX facilitate theft and hide their tracks than help the victim. 

A XXXX gained access to my Coinbase account and used XXXX to silently add a bank account linked to Chime account and a fake XXXX merchant account. They then sold and exchanged everything in my account for XXXX dollars ; which they then sent in amounts under {$5000.00} ( in order to hide it better ) to each of these fraudulent bank accounts. This was all CASH, NOT CRYPTO and thus should have been easily traced and flagged. 
I even notified XXXX on the security loophole, where another account could be added without verification. 

However, NONE of these companies would investigate AT ALL, citing privacy issues. When I asked for more details, Coinbase closed the case! They would not even let me file a report and stone-walled me! 
There was ZERO compensation. None of them told me about the CFPB. They don't care about their customers at all! 

SHAME ON COINBASE!! 
SHAME ON XXXX 
SHAME ON XXXX 
SHAME ON XXXX! 

I've even filed a case with the FBI via the XXXX site. Reported the malicious sites to XXXX and XXXX, even the website hosting companies.... and I got ZERO responses. 
It seems like any actual consumer protection is useless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was contacted through XXXX several times from XXXX - XXXX to participate in their investment game. In XX/XX/XXXX, I was contacted again through XXXX and asked to participate through a website called XXXX. I was asked to transfer cryptocurrency through wallet addresses existing in XXXX XXXX and XXXX. As soon as the scammer got the required cryptocurrency amount, they disappeared. And they even send me fruits to my address, which costs around {$30.00}. The total cryptocurrency I lost is between {$6500.00} - {$7000.00}, when the bitcoin price is around {$75000.00}. And I uploaded the details of the wallet address and the date of the transaction in a PDF file attached. Please help me recover the lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
I am submitting this complaint because fraudulent and unauthorized inquiries have been reported on my consumer credit report as a result of identity theft. These inquiries were not initiated or authorized by me and constitute violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B [ 15 U.S.C. 1681c-2 ], which requires the blocking of information resulting from identity theft, and 604 [ 15 U.S.C. 1681b ], which outlines the permissible purposes for accessing a consumer report.

I have contacted the companies responsible for these inquiries and none were able to provide any valid authorization or proof bearing my signature. Furthermore, I submitted a formal request to the credit reporting agency to investigate and remove these fraudulent inquiries. The FCRA mandates that such information be blocked within four ( 4 ) business days of receiving notice, yet these inquiries remain on my 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 2025-07-01 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
Subject : Equifax credit report disappeared after identity theft block I did not request a freeze or suppression On XX/XX/year>, I submitted a complete identity theft report to Equifax under FCRA 605B, including my FTC Identity Theft affidavit ( signed under penalty of perjury ), a copy of my government-issued ID, my Social Security card, proof of address, and a copy of my credit report with the disputed entries clearly marked.

Since then, my Equifax credit file has completely disappeared from all credit monitoring services, including XXXX. Neither I nor any authorized third-party service can access it. 

I did not request a credit freeze, fraud alert, or full file suppression. I only requested a block of the specific fraudulent items under 605B. Full removal of access to my credit report was not authorized and not legally required.

Equifax has restricted my file in a way that prevents me from viewing or monitoring it, which causes harm and prevents me from managing my credit profile or protecting myself against further fraud. These actions exceed the scope of 605B and violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

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   Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX  XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-07-01 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: IA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5700.00} XXXX XX/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 2025-07-01 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: TX

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within XXXX XXXX  of receiving this request, as required by federal law.

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 2025-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I found a {$2600.00} collection from XXXX XXXX XXXX on my credit report, opened in XX/XX/year>. I was never notified by the creditor or collector that I had the right to dispute or validate the debt. I just recently found out I could challenge this, and it feels unfair that this information was withheld while it damaged my credit. Im asking for a proper investigation and possible removal if my rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was part of the XXXX data breach and now all my passed court records are showing on my report which is not supposed to be reported in my consumer report thats a violation of all right all consumers right. My name is wrong my date of birth is wrong my address was never updated

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 2025-07-01 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: IL

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
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 2025-07-01 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: WI

Complaint narrative:
I recently I pulled my credit reports and found my XXXX XXXX XXXX loan showing up three different ways across TransUnion, Experian, and Equifaxwith mismatched last reported dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and varying comments about sale/chargeoff. I sent dispute letters under the FCRA to each bureau asking them to investigate and delete the account if they couldnt verify every detail, but none have corrected the errors within 30 days. XXXX asking CFPB to help get these inaccurate tradelines removed, as it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: WI

Complaint narrative:
I recently I pulled my credit reports and found my XXXX XXXX XXXX loan showing up three different ways across TransUnion, Experian, and Equifaxwith mismatched last reported dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and varying comments about sale/chargeoff. I sent dispute letters under the FCRA to each bureau asking them to investigate and delete the account if they couldnt verify every detail, but none have corrected the errors within 30 days. XXXX asking CFPB to help get these inaccurate tradelines removed, as it is hurting my ability to obtain credit.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 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 2025-07-01 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: AL

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 2025-07-01 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: MN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-01 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: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
Items : XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX : {$0.00}, XXXXXXXX XXXX XXXX XXXX, KY, XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief