vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I submitted a written dispute to Experian on XX/XX/year>, concerning inaccurate information on my credit report. I followed up with certified letters on XX/XX/XXXX and XX/XX/XXXX, each including valid identification and proof of address. XXXX tracking confirms that Experian received all correspondence. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must investigate and respond to disputes within XXXX days ( or XXXX  days if additional documentation is provided ). As of today, over XXXX  days have passed since my original dispute, and Experian has not provided any results, updates, or notices. 

On XX/XX/XXXX, I mailed a final demand letter titled Failure to Respond. I then submitted a formal complaint to the CFPB on XX/XX/year>, under case number XXXX. In response, Experian issued only an interim message stating they are now beginning to review the matter. 

This delayed response is not a valid investigation under the FCRA. Experian is now claiming to start a new investigation, which does not correct their failure to act within the legal timeframe. Under FCRA Section 1681i ( a ) ( 5 ), they are required to delete any unverifiable or uninvestigated information if they do not respond in time. 

I request that Experian be held accountable for failing to comply with federal law, and that the disputed information be permanently removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I previously had an active Coinbase account ( now closed/inactive ). I urgently need to obtain essential documentation, but Coinbase has failed to provide it despite multiple requests. The missing records are vital for my legal, compliance, and financial review, including : Coinbase transaction logs ( PDF or screenshots ) Bank statements showing initial funding Support ticket correspondence Emails confirming logins or withdrawals IP login history Identity verification documents ( e.g., KYC forms ) The user agreement in effect at the time Complete timeline of my dispute under RegulationE ( XXXX ) Certified mail confirmation of my written outreach I have repeatedly contacted Coinbase via email to XXXX XXXX coinbase.com, XXXX XXXX coinbase.com, and the inapp support system, but received no meaningful response beyond automated replies. 

Under the Electronic Fund Transfer Act ( EFTA ) and RegulationE, Coinbase may be obligated to provide transaction records and error-resolution documents. Under consumer protection and contract law, I have a right to access records related to a closed accountespecially in light of disputed or potentially fraudulent activity. 

My timeline : XXXX : Submitted formal dispute and record requests Multiple follow-up emails to Coinbase support and compliance Filed related CFPB complaint about XXXX reimbursements ( # XXXX ) I have not received any of the requested documents to date, nor information on how to formally appeal or escalate the request. 

What Im Requesting Coinbase to Do : 1. Provide all requested account documentation listed above.

2. Explain how to formally appeal or escalate this request. 


XXXX. Respond to this request within 15 business days, or inform me of the denial with specific reasons. 



I reserve the right to pursue further legal remedies, including arbitration under Coinbases Terms of Service.

-- - Supporting Materials to Upload Copies of your emails to XXXX XXXX coinbase.com, XXXX XXXX coinbase.com, and support ticket references. 

Screenshots of in-app support requests. 

Copies of your Regulation E dispute letters ( Coinbase and XXXX ). 

Complaint confirmation number against Chase ( CFPB ticket XXXX ). 

Relevant bank and Coinbase transaction records to show link and ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
Out of nowhere, an unauthorized inquiry appeared on my credit report, and Im beyond upset about it. I checked my report like I normally do, but this time something was clearly wrong. I refreshed my browser thinking it could be a glitch, but the issue didnt go away. This is unacceptable, and Im demanding that you thoroughly go over the documents I sent so I can finally stop losing peace of mind over issues like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX : Date of inquiry : XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XXXX XXXX XXXX XXXX : Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX : Date of inquiry : 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 2025-07-22 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: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX : Date of inquiry : XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XXXX XXXX XXXX XXXX : Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX : Date of inquiry : 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 non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
There is an account currently reflected on my credit report that I did not initiate, authorize, or have any involvement with. This is a clear case of identity misuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, XX/XX/year> an unauthorized transaction was made on my debit card ( BOFA ) amount {$3400.00}. I called the Claims office and they acted promptly to close the debit card and started to process another one and started the investigation that they said would take up to 10days or more. XX/XX/year> i went to the bank to try and get some credit to sustain myself as the investigation was going on since all my money was gone and i needed to pay my rent among other bills. The Claims office said that my Checking account was too " young '' to receive any credit, they would try and facilitate but the chances were too minimal for me to get any credit. 
XX/XX/year> very early in the morning i received an email from the bank, that the claim research was complete and the merchant only credited {$25.00} out of the {$3400.00}. So i scheduled an appointment for XXXX. When i got to the bank i told them i would like to reopen the claim because the feedback that i received was not very satisfactory to me as a new and " young '' client. They agreed to reopen the claim. Today, XX/XX/year> i receive another email that the merchant has credited my account but then when i check on my balance, it doesn't reflect anything. 

This whole process has been very tough for me since i just moved here and that was basically my little saving to get an apartment as i am still being hosted by a friend. 

I believe this is a safe platform and i will be assisted. I am available for any additional questions to help with the follow up from my bank.

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 monetary relief
Consumer complaint received 2025-07-22 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:
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 2025-07-22 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: NC

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am formally disputing the presence of an address on my credit report that is not associated with me in any way. I have never lived at, received mail at, or conducted business from that location.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It XXXX Concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute several unauthorized XXXX  inquiries that appear on my credit report. I have not applied for any credit or authorized any XXXX XXXX to access my credit file. Therefore, these inquiries are not initiated by me and constitute a violation of the Fair Credit Reporting Act ( FCRA ). 
Specifically, under FCRA XXXX ( a ) ( XXXX ) and XXXX XXXX. XXXX, a credit bureau XXXX only furnish a consumer report if there is a permissible purpose. These inquiries do not meet that standard, and I request that they be removed immediately from my credit file. 
Enclosed are copies of my government-issued driver 's license and Social Security card for identity verification purposes. 
Please investigate and remove all unauthorized inquiries from my credit report. I expect a response within XXXX  days in accordance with federal law. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am submitting this complaint against Discover Financial Services regarding multiple disputed transactions related to a merchant engaged in illegal activity in New York State. The merchant in question operates an online gambling platform, which is prohibited under NY law. Despite this, Discover processed payments for the merchant and has since mishandled my attempts to dispute the charges. 
Here is a summary of the key issues : Undisclosed Illegality : The merchants services are illegal in my state ( New York ). This was never disclosed to me prior to or during the transactions.

Account Mismanagement by Merchant : The merchant refused to verify my account, did not provide access to my funds, and denied withdrawal requests effectively failing to deliver the service paid for. 

Disputes Mishandled by Discover : I filed disputes in good faith citing non-delivery of services and misrepresentation. Discover has : Denied each dispute based on inconsistent and shifting reasons. 

Failed to conduct a reasonable and thorough investigation. 

Ignored the core legal issue : the merchant 's operation is not lawful in NY. 

Retaliatory Action : Most concerning, Discover sent me a letter threatening to close my account, accusing me of making invalid disputes. This appears retaliatory and may violate consumer protections under the Fair Credit Billing Act ( FCBA ) and UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute to TransUnion identifying multiple accounts falsely linked to a XXXX XXXX XXXX, several with inaccurate statuses ( e.g., settled charge-offs showing as active ), and numerous Metro 2 compliance violations. I also requested the method of verification, ACDV documentation, and deletion of unverifiable data per FCRA 1681i ( a ) ( 5 ). 

On XX/XX/XXXX, TransUnion responded with a generic stall letter, claiming that the investigation deadline had been extended to XX/XX/year>. They cited receipt of additional information, which was simply part of my original dispute packagenot materially new or different. Under FCRA 1681i ( a ) ( 1 ) ( C ), they may only extend the investigation period if * new relevant information * is submitted, which was not the case. 

TransUnion has not identified what was new, has ignored all specific legal violations I cited, and continues to report multiple tradelines as if linked to a bankruptcy that has never been verified or admitted by me. This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and several others that are either current, settled, or falsely show bankruptcy despite no delinquency. 

Their continued use of automated e-OSCAR processing, combined with this delay tactic, constitutes bad faith and willful noncompliance under FCRA 1681e ( b ), 1681i ( a ) ( 4 ), and 1681n. They are also violating Texas consumer law and the Texas Data Privacy and Security Act by mishandling my personal data. 

Ive attached my rebuttal letter and proof of the stall notice. I am demanding a manual reinvestigation, deletion of all unverifiable accounts, and full disclosure of the method of verification and documentation used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am contacting you to dispute an incorrect late payment listed in my credit report. I have reviewed my personal financial records and can confirm that all payments were made on time for the period in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
A fraudulent account has been mistakenly reported under my credit profile. I affirm that I did not apply for, open, or authorize this account. Its presence is both incorrect and harmful to my financial reputation.

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