vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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:
b'The inquiries listed below are reported on my personal credit file and were\nfound in my reports with credit reporting agency. These inquiries were\nopened fraudulently. Ive informed all parties of the issue &  provided the necessary documentation to support my claim. The credit reporting\nagency (CRA) &  data furnisher (DF) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the inquiries removed from my file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. The Consumer Financial Protection Bureau filed a lawsuit against Equifax for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am sending this complaint regarding fraudulent items on my credit report that I have requested to be removed. Despite my previous communications, these items have not been addressed. I am formally requesting the removal of the following fraudulent items : 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 2025-05-15 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: GA

Complaint narrative:
I am sending this complaint regarding fraudulent items on my credit report that I have requested to be removed. Despite my previous communications, these items have not been addressed. I am formally requesting the removal of the following fraudulent items : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX and Security Finance Corporation for willfully reporting false, incomplete, and materially misleading account information to TransUnion in violation of the Fair Credit Reporting Act ( FCRA ), including sections 1681e ( b ), 1681s-2 ( b ), and 1681i ( a ). 

XXXX XXXX XXXX XXXX is reporting a history of delinquencies from XXXX on an account that was paid and closed in XXXX. I have requested validation of this payment history through XXXX, including itemized ledgers and original contracts. Instead of investigating properly, the company simply verified the data without producing a single document. 

Security Finance is reporting a charge-off with a growing balance and a string of XXXX  day lates long after the account was closed. These delinquencies are unverifiable, misleading, and appear to be deliberately re-aged. No original documentation, ownership validation, or ledger records were ever provided. 

These companies have failed to meet their statutory obligations under FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing inaccurate or incomplete data, and 611 ( a ), which requires proper reinvestigation upon dispute.

TransUnion failed to conduct a proper reinvestigation under 1681i and merely parroted back the furnishers responses without verifying any supporting evidence. 

I am demanding full deletion of both tradelines unless complete validation is provided. If this complaint does not result in resolution, I am prepared to pursue legal action for actual, statutory, and punitive damages under FCRA 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
Several companies have accessed my credit report through TransUnion without my authorization, directly damaging my credit score. I previously contacted TransUnion and was assured these unauthorized and fraudulent inquiries would be removedyet they persist. This may indicate identity theft and is a serious violation of my rights. I demand their immediate removal and a formal explanation. The ongoing failure to address this issue has caused significant financial and emotional harm, and I expect urgent corrective action without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Sold my crypto on coinbase and wanted to cash out on XX/XX/year> and my funds are on hold until whenever they decide to stop using my money for there own gain. It's funny I can buy more crypto with it which I then get charged a fee and only in there app. Holding my money hostage and forcing me to waste it only in there app. Coinbase is a fraud and a scam. Why can't I just verify my identification and get my money? I needed that money that day and here we are days later and nothing. It's ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 non-monetary relief
Consumer complaint received 2025-05-15 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-05-15 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
I have identified significant discrepancies that I believe negatively affect my creditworthiness. This misreporting is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to contact the credit bureau to have this information corrected, the matter has not been properly investigated or resolved. Because of continued failure to correct this error, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : The account status is listed differently across the three major credit bureaus. This inconsistency may lead to confusion regarding the standing of this account and does not accurately reflect my payment history or the accounts current state. 

Date Opened : The reported date the account was opened varies between each of the credit bureaus. The date of account opening is a critical factor in the calculation of my credit history length, and it is essential that this information is consistent and correct.

Date Last Reported : The " Date Last Reported '' field shows different dates across the credit bureaus. These discrepancies can impact credit scoring models and create confusion about the account 's current activity.

Date Last Active : This date is also inconsistent among the three bureaus. A unified and accurate date is necessary to reflect the correct activity timeline of the account. 

Date of Last Payment : Each credit bureau reflects a different " Date of Last Payment '' for this account. This date is essential to determine payment recency and status, and should be accurately and uniformly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
This CFPB complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that you, the credit reporting agency ( TransUnion, Equifax, or Experian ), block fraudulent information appearing on my consumer credit report that is the result of identity theft. As required by law, this must be done within four ( 4 ) business days of receiving this complaint. 

The inaccurate and unauthorized items include the following fraudulent hard inquiries, all made without my knowledge or consent : XXXX XXXXXXXX via Dealer ( XX/XX/year> ) XXXX XXXX via XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XXXX via XXXX XXXXXXXX XXXX  XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> ) These inquiries are not associated with any applications I made, and I do not recognize or authorize them. They are the result of identity theft and have affected my credit profile negatively. 



Attached to this complaint are the following documents : I am requesting that you investigate and block these fraudulent inquiries from my credit file as required by federal law. Thank you for your timely attention and resolution to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
This CFPB complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that you, the credit reporting agency ( TransUnion, Equifax, or Experian ), block fraudulent information appearing on my consumer credit report that is the result of identity theft. As required by law, this must be done within four ( 4 ) business days of receiving this complaint. 

The inaccurate and unauthorized items include the following fraudulent hard inquiries, all made without my knowledge or consent : XXXX XXXXXXXX via Dealer ( XX/XX/year> ) XXXX XXXX via XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XXXX via XXXX XXXXXXXX XXXX  XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> ) These inquiries are not associated with any applications I made, and I do not recognize or authorize them. They are the result of identity theft and have affected my credit profile negatively. 



Attached to this complaint are the following documents : I am requesting that you investigate and block these fraudulent inquiries from my credit file as required by federal law. Thank you for your timely attention and resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
This company its claiming i owe them and they are calling me but Ive never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had an electronic check sent to my checking account on XX/XX/year> from my XXXX XXXX account in the amount of {$100.00}. My BofA account number was in error by one digit and as a result the check was never deposited into my account. BofA had already processed the check.Tried several times contacting BofA customer service with the following results : 1. " Wait 10 days and when the error is discovered, the check will be forwarded back to XXXX XXXX. '' 2. " Call XXXX XXXX. '' I did and they indicated that since BofA had processed the check already they ( BofA ) had to refund the deposit. 
3. " I'm sorry, there is nothing we can do '' 4. Requested to speak with BofA supervisor and after a 25 minute wait, they hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I am a victim of identity theft. Someone had opened multiple accounts in my name, and Ive been trying to clear everything up. It has been cleared up except for this Capital One account. I reported this information to the authorities and am actively working with them to file charges against the individual who used my identity.

I have a police report and have contacted the credit bureaus. They advised me to file a complaint with you. Could someone please assist me with this matter? Its causing issues for me to purchase a house for my family because its negatively affecting my credit, which did not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-15 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

Company response to consumer: Closed with non-monetary relief