vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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 non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

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 2025-05-23 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: MoneyLion Inc.
State: FL

Complaint narrative:
This is not my account. I believe it was fraudulently opened. I tried paying this account just to get it off my report but the listed creditor said they had no record of it. 

Today I tried calling the phone number listed on my XXXX  report for the creditor. The number was for a chat line.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I filed a dispute with Experian this month regarding incorrect address. I also sent in proof of documents of my correct address. Experian failed to dispute an incorrect address on file. I need for this incorrect address to be disputed and update my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I created a Coinbase account on XX/XX/year>. I am a XXXX citizen, and recently returned to the United States from a trip overseas. Despite meeting all eligibility requirements to use Coinbase services, they have repeatedly denied me access to the platform without providing a specific explanation. I tried to set my account up while on a trip to XXXX, which may have triggered a restriction, but I have since returned to the XXXX and attempted to verify my identity. After reaching out to Coinbase support, I received vague and unhelpful responses, with no clear reason for a denial of service or path forward. I was told that my account has been restricted with no violation of policy cited. I have no pending investigations, unresolved transactions, and no fraudulent activity on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: InDebted Corporation
State: VA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the validity of a debt and account activity associated with my name and personal information that has been forwarded to your company indebted for collection regarding an account with XXXX. 

The account in question was created and accessed without my authorization. The transactions and activity under my name were performed by an individual who formerly rented a room in my residence and had unauthorized access to my personal information. I did not consent to any purchases or contracts, nor did I authorize the creation or use of an XXXX account. 

As such, I demand that the following actions be taken immediately : XXXX. Cease all collection activity related to this account, and permanently remove any record of the alleged debt from your system. 
XXXX. Restore my account balance to zero and confirm that I bear no financial responsibility for the fraudulent transactions. 
XXXXProvide written confirmation that this matter has been resolved and that I am fully released from any obligations related to the fraudulent charges made on my account Please be advised that under the Fair Debt Collection Practices Act ( XX/XX/XXXX), you are required to cease collection efforts upon receipt of this dispute and conduct an investigation. Continuing collection efforts without verifying the debt could constitute a violation of federal law. 

Additionally, I reserve the right to pursue legal action under applicable Virginia state laws and federal statutes including but not limited to the Fair Credit Reporting Act ( XXXX  ) and Identity Theft Enforcement and Restitution Act. Should this matter not be resolved immediately, I will escalate this to the Consumer Financial Protection Bureau ( XX/XX/XXXX), XXXX XXXX XXXX Office, and/or pursue civil action to ensure my name and credit are cleared. 

Please direct all future communication in writing to the address listed above. I expect a formal written response within XXXX business days todays date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: UT

Complaint narrative:
On XX/XX/year> XXXX charges were made to my personal checking account for {$510.00}, {$1000.00} & {$1000.00} ( Total of {$2500.00} ) all coming from " XXXX XXXX XXXX XXXX WEB ( XXXX ) ''. I immediately noticed these charges and contacted my Credit Union, XXXX XXXX XXXX XXXX. Working together we identified these were fraudulent charges and we closed the account. I then began receiving calls, emails and letters via snail mail from " XXXX  Recovery Services ''. I connected with my Credit Union again who advised me these were also fraudulent collection attempts and to file a complaint with CFPB. I submitted a complaint in XXXX XX/XX/XXXXXXXX ( Complaint number : XXXX ) which was investigated and closed. 
I haven't heard anything until recently when my husband ( who is NOT listed on the account which was closed ) started receiving phone calls in attempt to collect this debt. He advised to send me an email, which they did. I have received the attached emails for these same charges. The emails were received from " XXXX XXXX, XXXX '' and the creditor is listed as " XXXX XXXX XXXX XXXX '' for the {$510.00}, {$1000.00} & {$1000.00} charges again. The complaint I submitted in 2023 showed the creditor as " XXXX XXXX XXXX ''. 
I have filed all of this information with my Credit Union who again has advised me to file a complaint. I also have many alerts set to monitor my credit and accounts to identify any of this activity and it is not appearing on my credit report as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
After reviewing credit report I noticed several hard inquiries on my 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 explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: MI

Complaint narrative:
CFPB Complaint Discover Bank Complaint Summary Issue Type : Debt Collection Attempts to collect a debt not owed / unfair practices Company Name : Discover Bank Date of Issue : XX/XX/XXXX Account Number : XXXX Amount in Dispute : {$18000.00} ( original enrolled amount ) What Happened I am enrolled in a debt settlement program due to financial hardship since XX/XX/XXXX. Despite this, Discover Bank ( or their legal representatives ) ignored attempts to settle and filed a lawsuit on XX/XX/XXXX. Discover Bank ( or their legal counsel ) have submitted XXXX aggressive settlement offers that far exceed the actual enrolled debt amount. Specifically, they have demanded : - {$23000.00} on XX/XX/XXXX - {$24000.00} on XX/XX/XXXX - {$22000.00} on XX/XX/XXXX Each offer is significantly above the actual balance and appears exploitative and predatory given my documented hardship. These offers have been made through law firms acting on behalf of Discover, and despite efforts to negotiate in good faith, they have refused to provide reasonable settlement options outside of court. 

I believe this conduct constitutes unfair, deceptive, and abusive acts and practices ( XX/XX/XXXX), particularly as I am a vulnerable consumer actively engaged in a formal debt resolution program. 

Additionally, I understand Discover was recently subject to FDIC enforcement actions due to their misclassification of consumer accounts for financial gain. This enforcement casts doubt on the good faith of their current debt collection practices and raises questions about broader systemic misconduct. 

Formal Request for Action : - I request the CFPB to investigate Discover Banks current debt settlement and collection practices; including how often they resolve consumer debt disputes through litigation as a pressure tactic compared to fair, voluntary settlements outside of court. 
- I am concerned that Discover Bank may be leveraging the legal system to pressure vulnerable consumers into accepting inflated or unreasonable settlements under duress. 
- I also request that the CPFB assess whether these practices are being applied disproportionately to consumers enrolled in debt relief or hardship programs. 
- I ask for intervention to ensure that any future settlement reflects the actual debt and my financial capacity. 
- I would also like a written explanation of how Discover determined the inflated settlement amounts and what oversight they have over third-party legal representatives acting on their behalf. 

Supporting Documents I am happy to provide copies of the settlement offers, my debt settlement agreement, and communications with Discover Bank or their attorneys upon request. 

Consumer Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
RE : Accounts for investigation and verification I am writing again to you because I have been monitoring my credit report for any changes since my previous dispute letter, but until now, I have not seen the updates that I asked for. 

I am assuming that you did not conduct the investigation, so now I am requesting that you do the proper investigation and I would like to know the measures you took to reasonably investigate the accuracy and completeness of the information on these accounts as stipulated by 15 USC Section 611 ( a ) ( 6 ) ( B ) ( iii ). I would like to know the business name of the data furnisher, their address, phone number and the detailed description of the method of verification you used. 

Please pay attention to the following accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} The dates reflected in here that I were late in making my payments were incorrect, I always paid on time plus they could not provide proof that I were really late in making my payments because I knew that I paid on time.Please remove all the late payments on this account. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX This lender is in direct violation of the FCRA because I was never properly notified of any late payments in writing. No emails. No letters. And I am aware that they can not use the Initial Disclosures as proper notification. Please remove immediately since I was never properly notified or block the payment history permanently. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} The dates reflected in here that I were late in making my payments were incorrect, I always paid on time plus they could not provide proof that I were really late in making my payments because I knew that I paid on time.Please remove all the late payments on this account.

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 2025-05-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-05-23 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: CO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-23 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: CO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-23 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: LA

Complaint narrative:
The reports shows blank to original creditor to and to whom it had been sold to it just says company sold. None of my information is on the report only statuses and payments owed. 

Both accounts say they opened on the same dats, XX/XX/2021. They both had the same monthly payment of {$95.00} a month at first and now XXXX is changes {$160.00} a month. This inaccuracy violates the FCRA XXXX ( a ), as all credit reporting must be accurate, timely, and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-23 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: PA

Complaint narrative:
Subject : Unauthorized Credit Inquiries Request for Investigation and Removal Complaint Statement : I am writing to dispute unauthorized and unverified hard inquiries that appear on my credit report. I did not authorize these inquiries, nor was I notified or provided any documentation to verify that I initiated them. According to the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit written consent, which was never given in these cases. 

The specific inquiries in question are : Creditor Name : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : Equifax Creditor Name : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : Equifax I respectfully request that these inquiries be investigated and removed from my credit report as they were unauthorized and may constitute a violation of my consumer rights under federal law. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent {$2500.00} to the wrong person. I contacted them and they replied that they didnt received the funds because it was a problem with their phone number and XXXX XXXX I then contacted my bank Chase and XXXX and no one was able to located my {$2500.00} The wrong recipient sent me a copy of their bank saying that the funds was blocked. Chase told me that probably XXXX online banking is holding the funds but after XXXX weeks my money didnt came back on my account Im going to attached copy of this email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief