vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: 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 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 2025-08-09 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 2025-08-10 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN ( Last XXXX ) : XXXX Date : XXXX XXXX XXXX  Via Certified Mail Return Receipt Requested To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Final Demand Removal of All Inaccurate, Incomplete, and Unverifiable Information Under 15 U.S.C. 1681 ( FCRA ) Dear Sir/Madam, I have contacted your offices multiple times by phone and have submitted prior disputes regarding inaccurate, incomplete, outdated, and unverifiable information in my credit file. You have failed to conduct a proper investigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and you have continued to report false, misleading, and damaging information. 

This is my final written demand that you immediately remove from my credit reports all of the following : All late payment entries All incorrect and/or outdated addresses All unverifiable accounts All unauthorized inquiries All derogatory or negative marks that can not be verified with complete accuracy Your obligations under federal law : 15 U.S.C. 1681i ( a ) : You must conduct a reasonable reinvestigation of each disputed item within 30 days of receipt of this letter, delete any item that can not be verified, and provide me with written results. 
15 U.S.C. 1681e ( b ) : You must follow reasonable procedures to assure maximum possible accuracy in my file.

15 U.S.C. 1681g : You must provide me with all information in my file, including sources, furnishers, and a record of all entities who have accessed my file.

Failure to comply will be treated as willful noncompliance under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o, and I will not hesitate to seek all remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuing civil litigation for damages.

Enclosed are copies of my government-issued identification and proof of current address for verification purposes. I expect the following within 30 days of receipt : 1. A detailed investigation report for each disputed item.

2. An updated copy of my credit report showing complete removal of all inaccurate, incomplete, outdated, and unverifiable items.

This letter serves as your final opportunity to correct and remove all damaging and unverifiable information before I take further legal action. 

Sincerely, XXXX XXXX XXXX [ Signature ] Enclosures : Copy of Government-Issued ID Proof of Current Address

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 2025-08-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN ( Last XXXX ) : XXXX Date : XXXX XXXX XXXX  Via Certified Mail Return Receipt Requested To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Final Demand Removal of All Inaccurate, Incomplete, and Unverifiable Information Under 15 U.S.C. 1681 ( FCRA ) Dear Sir/Madam, I have contacted your offices multiple times by phone and have submitted prior disputes regarding inaccurate, incomplete, outdated, and unverifiable information in my credit file. You have failed to conduct a proper investigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and you have continued to report false, misleading, and damaging information. 

This is my final written demand that you immediately remove from my credit reports all of the following : All late payment entries All incorrect and/or outdated addresses All unverifiable accounts All unauthorized inquiries All derogatory or negative marks that can not be verified with complete accuracy Your obligations under federal law : 15 U.S.C. 1681i ( a ) : You must conduct a reasonable reinvestigation of each disputed item within 30 days of receipt of this letter, delete any item that can not be verified, and provide me with written results. 
15 U.S.C. 1681e ( b ) : You must follow reasonable procedures to assure maximum possible accuracy in my file.

15 U.S.C. 1681g : You must provide me with all information in my file, including sources, furnishers, and a record of all entities who have accessed my file.

Failure to comply will be treated as willful noncompliance under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o, and I will not hesitate to seek all remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuing civil litigation for damages.

Enclosed are copies of my government-issued identification and proof of current address for verification purposes. I expect the following within 30 days of receipt : 1. A detailed investigation report for each disputed item.

2. An updated copy of my credit report showing complete removal of all inaccurate, incomplete, outdated, and unverifiable items.

This letter serves as your final opportunity to correct and remove all damaging and unverifiable information before I take further legal action. 

Sincerely, XXXX XXXX XXXX [ Signature ] Enclosures : Copy of Government-Issued ID Proof of Current Address

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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I purchased XXXX  through Coinbase and attempted to transfer it to my personal cold wallet for security purposes. Immediately after my purchase, Coinbase placed a Withdrawal-Based Limit hold on my account, preventing me from sending my XXXX  off their platform until XX/XX/year> nearly XXXX months later. 

My funds were paid via ACH, have fully cleared my bank, and my account is fully XXXX I have no outstanding compliance issues and no disputes on my account. 

I contacted Coinbase support via their online help center and on XXXX. Their reply confirmed my account is under a Withdrawal-Based Limit hold for security reasons and that it can not be manually removed because it was automatically applied by internal protocols. They provided no specific legal or regulatory basis for imposing a restriction of this length. 

This delay effectively denies me timely access to my property, despite Coinbase having received full payment, and forces me to keep my assets in their custody longer than necessary, exposing them to additional custodial risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NC

Complaint narrative:
I was recently made aware that my identity was stolen due to data breach and my personal info was exposed and as a result my info was use to open fraudulent accounts that are on my credit report and has me now getting collections calls and letters. ive had credit cards, bank accounts and loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. also there are inquires from 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 2025-08-10 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries that appear on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After carefully reviewing my recent credit report, I have identified the following inquiries that I do not recognize and did not authorize : Disputed Inquiry : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I have filed an FTC Identity Theft Report regarding the following accounts, which were fraudulently opened in my name without my authorization. I am a victim of identity theft and did not open, authorize, or have any knowledge of these accounts. I am requesting, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, that these accounts be permanently removed and blocked from my ChexSystems report . These accounts are inaccurate, the result of fraud, and should not be associated with my consumer file.

Please delete and block the following accounts from my report : 1. XXXX XXXX  XXXX Date of Closure : XX/XX/XXXX Account Number : XXXX Charge-Off Amount : {$1200.00} Status : Unpaid 2. XXXX XXXX  XXXX Date of Closure : XX/XX/XXXX Account Number : XXXX Charge-Off Amount : {$130.00} Status : Unpaid

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 2025-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I XXXXXXXX XXXX XXXXXXXX GETS MUTIPLE CALLS FROM PORTIFOLIO RECOVERY STATING THAT IT WAS A BILLS AND THE CALL WILL BE RECORDED. I DONT EVEN RECALL THE BILL AND THEY STATED MY INSURANCE AT THE TIME WAXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In a XX/XX/year> dispute, I requested debt validation from XXXX XXXX XXXX for an account that negatively affects my credit report. The company responded with information that does not include any personal identifiers such as social security number or signature. The information provided does not validate this debt as my own and I will continue to persue removal of this account from my credit report.

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 2025-08-10 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: MD

Complaint narrative:
This letter is a formal dispute regarding the account listed below that appears on my Experian credit report ( report dated XX/XX//2025 ). 

Creditor Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX I am writing to request the immediate deletion of this account from my credit report due to an incomplete and therefore inaccurate investigation. The report states, " Completed investigation of FCRA dispute - consumer disagrees, '' which is a clear indication that a full reinvestigation as required by law was not completed. 

This action is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I draw your attention to the following sections : 15 U.S. Code 1681i ( a ) : This section requires a credit reporting agency to conduct a " reasonable reinvestigation '' of the disputed information. The comment " consumer disagrees '' implies that you have not fulfilled this obligation. A reasonable reinvestigation necessitates contacting the furnisher of the information and reviewing all relevant data, not simply relying on their initial claim of accuracy. The consumer 's disagreement is a crucial part of the process, not a final statement.

15 U.S. Code 1681i ( a ) ( 5 ) ( B ) : This section states that if, after a reinvestigation, an item of information is found to be inaccurate, it must be promptly deleted or modified. The phrase " consumer disagrees '' suggests a lack of finding and a failure to meet this requirement.

15 U.S. Code 1681e ( b ) : This provision mandates that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy '' of the information they report. By terminating the investigation with a note of my disagreement rather than completing a full reinvestigation, you have failed to adhere to this standard.

The account details you have on file indicate a status of " Open. {$170.00} past due as of XX/XX/ 2025 '' and a monthly payment of " {$22.00}. '' Your payment history log shows numerous green ( " On Time '' ) payments, but also several red months and a gray month that is not explained. The contradictory nature of this data and the lack of a complete reinvestigation further underscores the inaccuracy of your reporting. 

Under these circumstances, the continued reporting of this account is in violation of federal law. I demand that you delete this account from my credit report within 30 days of receipt of this letter, in compliance with the FCRA. Failure to do so will result in further legal action, as provided for under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ).

A copy of my credit report with the disputed information highlighted is enclosed. Please send me an updated copy of my report once this account has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I have asked Caine and Warner several times to remove this from my credit report because I cancelled the insurance in time and they never respond the company is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX 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 2025-08-10 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: IN

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
I recently discovered a negative entry from MDS Collector on my credit report. I have never received any calls, letters, or notices from this company prior to its appearance on my report. The alleged debt appears to be medical-related ; however, I have continuous health insurance coverage and believe this debt is not mine.

I disputed the account with all three credit bureaus, but the furnisher failed to provide any documentation or proof of the debt. They continue to report the account without validation, which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I am requesting that MDS Collector provide full written validation of the debt, including the original creditors name, date of service, an itemized bill, and proof of their legal right to collect. If they can not provide this documentation, the account should be removed from my credit reports and all collection activity must cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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 recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is XXXX of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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