vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I no longer have access to the email address and phone number I used to create my coinbase.com account. 

I reached out to coinbase for assistance but they will not allow me to gain access to my account or to my funds without having access to the email address and phone number I used to create my account. 

Does coinbase expect me to donate the tens of thousands of dollars in my account to them? 

How is this not theft, extortion and fraud? I look forward to collecting punitive damages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
This Company Has Given Me Numerous Problems Over Years! I Paid Them We Both Have Proof They Still Say I Owe Them They Are Committing Insurance Fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A scam call came through my phone with a XXXX Area Code, asking foe me about some Transactions. He mentioned a transaction for {$4000.00}. I knew at this Point that it was Fraud, because No one ever Identified themselves Nor asked my Name, just went straight to calling about some Transactions. I tried to put then through some random test to keep them on the Phone for awhile so I can hear the background. It sounded legit because you heard others talking in the background noise, but you can hear there was No Professionalism. He Started to tell me to hold on real sarcastically when I Started to catch him in the Act. Then i hung up! I waited to see if they would call back, bit they never did, a real debt collector would of called me back. So I called them, No Ome Answered, No Citibank AI didn't come on, or Nothing. So I hung up and texted the number that I'm reporting you to the Feds rite Now hoping I sparked up a reply, but once again Nothing. Then I finally called back, and same person answered the line, now how likely is that?, and said, '' Fraud Service '' .At that point I knew the call was Fraudulent, and as soon as I spoke of reporting the number to the FeDs , the Phone hung up in my Ear!! The Phone Number that they called me from XXXX 's is ; ( XXXX ) XXXX! XXXX Line At the bottom I attached proof of the Phone calls.

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 2025-02-11 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: MD

Complaint narrative:
Under code 15 USC 1681 my information was used in a data breach and I would like anything that is on my file to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Self Financial Inc.
State: MN

Complaint narrative:
" Self Inc. has not provided any proof that they loaned funds as claimed. Additionally, have not responded to my requests for the relevant information. The balance owed to me is {$1000.00}, with interest of {$230.00}, plus security interest. '' Self closed the accounts and kept my funds. Self has not provided any documentation because they cant prove that any funds was funded by them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AUDIT SYSTEMS,INC
State: RI

Complaint narrative:
constantly calls and disturbs me while at work. when i do answer they just hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
SEQUIUM ASSET SOLUTION shows up on my credit report, but this is not my debt. I don't know what this is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete 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 2025-02-11 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card ADDRESSES- XXXX XXXX XXXX XXXX, Ga XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX EMPLOYMENT - XXXX XXXX  ACCOUNTS- XXXX  XXXX opened XX/XX/XXXX account # XXXX Balance : {$980.00} - XXXX XXXX opened XX/XX/XXXX account # XXXX Balance : {$310.00} - XXXX bank opened XX/XX/XXXX account # XXXX Balance : {$0.00} - XXXX  XXXX XXXX XXXX XX/XX/XXXX account # XXXX balance : {$2800.00} - XXXX  opened XX/XX/XXXX account # XXXX balance : {$520.00} COLLECTIONS -XXXX XXXX XXXX opened XX/XX/XXXX Balance : {$540.00} INQURIES - XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX acce XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy of certain information contained in my TransUnion credit report dated XX/XX/2025.

Pursuant to 15 U.S. Code 1681, the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate, incomplete, or unverifiable information on my credit report. 
The following entries are incorrect and require immediate correction :

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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NM

Complaint narrative:
Mercantile Solutions stop contacting me, as I did not give you permission to contact me nor did I give permission for you to contact anyone related to me nor did I give you permission to retain any of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
Equifax is reporting information that is said to be excluded from my Consumer Report that involves information as to transactions or experiences between myself and a creditor, see 15 U.S.C 1681 ( a ) ( 2 ). This complaint is against Equifax for failing to properly investigate my disputes regarding inaccuracies in my consumer/credit report. Despite my submissions, Equifax consistently respond immediately stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law and provide consumers with the necessary proof of investigations. Problem account is XXXX XXXX on my consumer/credit report with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AL

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I rented a XXXX  I paid the loan off in 4 payment they said I owed for another loan I disputed it they refused to produce the contract where I agreed to any other loan and then they reported inaccuracy 's on my credit report and now they say that I owe for 2 different loans that they have charged off. I did not signing up for any other loan but the loan i paid off and I am a Victims of the security breach by XXXX XXXX and Affirm I want it removed from my credit report immediately and compensation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
i have asked several times for the original purchase agreement between me and this company and they cant provide it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account ADRESSES - [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX - [ ] XXXX XXXX XXXX XXXX XXXX, IL XXXX Employment - [ ] XXXX XXXX - [ ] XXXX XXXX ACCOUNTS - [ ] XXXX  XXXX AUTO opened XX/XX/XXXX account # XXXX balance : {$2800.00} - [ ] XXXX opened XX/XX/XXXX account # XXXX Balance : {$310.00} - [ ] XXXX bank opened XX/XX/XXXX account # XXXX Balance : {$0.00} - [ ] XXXX XXXX opened XX/XX/XXXX account # XXXX balance : {$0.00} - [ ] XXXX  Tech opened XX/XX/XXXX account # XXXX balance : {$240.00} - [ ] XXXX opened XX/XX/XXXX account # XXXX Balance : {$520.00} COLLECTIONS - [ ] XXXX  XXXX  opened XX/XX/XXXX account # XXXX Balance : {$190.00} - [ ] XXXX  C opened XX/XX/XXXX account # XXXX Balance : {$270.00} - [ ] XXXX  C opened XX/XX/XXXX account # XXXX Balance : {$1300.00} - [ ] XXXX XXXX opened XX/XX/XXXX balance : {$540.00} INQUIRIES - [ ] XXXX XXXX XX/XX/XXXX - [ ] XXXX XX/XX/XXXX - [ ] XXXX XX/XX/XXXX XXXX [ ] XXXX  XXXX  XX/XX/XXXX - [ ] XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-11 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:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX 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 Address - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX  XXXX  XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX  XXXX  XXXX  - IncorrectPersonal XXXX XXXX XXXX  XXXX XXXX XXXX IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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