vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Dear CFPB Team, I am writing to formally file a complaint against Coinbase regarding its unjustified freezing of my digital asset account and refusal to resolve the issue for over XXXX weeks. 

XXXX. Issue Summary On XX/XX/year>, I deposited XXXX USDC into my Coinbase account. Without any prior notice or justification, Coinbase froze these funds on XX/XX/year>, blocking all withdrawal and trading functions. Despite repeated inquiries via email ( Please see attached screenshots ), Coinbase representatives : Failed to provide a valid reason for the freeze; Refused to offer a timeline for resolution ; Repeatedly instructed me to " wait more days '' without legal basis time and time again. 

This conduct violates CFPB Regulation E ( Electronic Fund Transfers ), which requires financial institutions to disclose reasons for account holds and resolve errors within 10 business days.

2. Harm Caused Financial Loss : The frozen USDC represents my planned investment. The inability to liquidate these assets during market volatility has caused quantifiable losses.

Emotional Distress : The prolonged uncertainty and unprofessional handling have caused significant anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
To Whom It XXXX Concern : I am writing to formally dispute a XXXX collections account listed on my credit report under account number XXXX. This account is the result of identity theft. Enclosed is a copy of the police report I have filed regarding this matter. 

Please investigate and remove this fraudulent account from my credit file immediately, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

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 2025-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: TX

Complaint narrative:
I booked a car rental through XXXX for the dates XX/XX/XXXX to XX/XX/year>, in XXXX XXXX XXXX. The total booking cost was {$170.00}. I paid {$120.00} at the time of booking through XXXX and the remaining {$55.00} was to be paid at the rental counter. 

However, when I arrived at the XXXX counter, I was charged the full {$170.00} again. It was later confirmed by XXXX ( during a call where they contacted XXXX while I was on hold ) that XXXX had treated the reservation as a separate, duplicate booking and did not apply the XXXX payment. 

Due to this, I disputed the {$120.00} XXXX charge through my XXXX credit card, since I was charged twice for the same rental. Despite this clear error, XXXX sent the {$120.00} amount to collections and Viking XXXX XXXX is now pursuing me for that amount. 

I have provided Viking with : The original XXXX booking and receipt The XXXX invoice The duplicate charge on my credit card Despite showing clear evidence that I already paid and that XXXX double-charged me, Viking has continued to harass me with repeated collection calls ( at least twice a week ) and insists I need to pay and take it up with XXXX. 

XXXX has confirmed to me that they already paid XXXX. XXXX refuses to take responsibility now that the debt has gone to collections. I am effectively being pressured to pay twice for the same service due to poor coordination between these companies. 

This situation is causing me significant stress. I am being wrongly pursued for a debt I do not owe, despite having submitted all proof. I am seeking CFPB 's help to stop this collection effort and to have the false debt removed from any record or credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 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: EdFinancial Services
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX {$5200.00} {$3000.00} I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances I request the immediate cancellation and discharge of my student loans debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA 'S ) ; My student records were disclosed without my consent violating FERPA 'S strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without authorization my privacy rights under federal law. Violations of the Higher Education Act ; as a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data faile4d to do so, putting my financial security at risk. and unauthorized discourse to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters , LLC Original Creditor : SpeedyCash Account balance {$4100.00} The above account is being reported on my XXXX  Credit report, despite being tied to an address that has neem officially removed from my file after dispute and reinvestigation ( report # XXXX, dated XXXX XXXX XXXX 

XXXX item remains on my credit report despite being linked to a deleted address and lacking validation of ownership or original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

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 2025-05-14 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: CA

Complaint narrative:
I'm reaching out because there is an account showing up on my credit report that simply does not belong to me. This account appears to be mixed in with my personal credit information, and its tied to someone else entirely. I want to be absolutely clear : this is not my account, and I have no connection to it.

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 2025-05-14 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
To name a few : these Accounts ( XXXX- last four digit of account XXXX, and XXXX XXXX - last four digit- XXXX ) violates Metro 2 by reporting both a charge-off status and past-due balance. Please update or remove in accordance with FCRA and Metro 2 guidelines.

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 2025-05-14 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:
I recently reviewed my credit report and noticed i had a fraudulent account reported. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
Im contacting you because theres an account showing on my credit report that I have no knowledge of whatsoever. Ive never opened or been associated with this account, and its presence on my report is completely inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
my name was involved in a data breach from equifax and XXXX XXXX resulting in my name and social security on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 this complaint regarding an account reported by XXXX XXXX XXXX XXXX XXXX on my TransUnion credit report for an alleged debt with XXXX. 

I was never notified of this debt, nor was I given the opportunity to validate or dispute it prior to its appearance on my credit file. I have not received any written communication, validation notice, or documentation explaining the origin or legitimacy of the alleged {$3000.00} debt. 

Despite this, TransUnion is reporting the account as a collection/charge-off, with a derogatory status, harming my credit standing. This reporting violates several federal consumer protection laws : Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) TransUnion failed to ensure the maximum possible accuracy of the information being reported by XXXX XXXX. 

FCRA, 15 U.S.C. 1681i ( a ) I submitted a formal dispute, and the account remains on my report without sufficient verification, violating TransUnions obligation to properly investigate and delete unverified data within 30 days. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g XXXX XXXX failed to provide a timely debt validation notice before reporting this account to TransUnion. I was not advised of my right to dispute the debt within 30 days, nor did they send any initial communication by mail. 

FDCPA, 15 U.S.C. 1692e and 1692f Reporting an unvalidated and potentially inaccurate debt constitutes false, deceptive, or misleading representation and unfair collection practices.

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 2025-05-14 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:
In 2023, I submitted a written debt validation request to XXXX XXXX XXXX XXXX XXXX in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I requested full validation and documentation to substantiate their claim that I owe a debt of {$2500.00}. 

XXXX XXXX XXXX has completely failed to provide any documentation, validation, or proof of debt. Despite this, they have continued to report this account to the credit reporting agencies, which constitutes a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

I also previously disputed this account directly with the credit reporting agencies, yet XXXX XXXX XXXX continues to report this unverified debt. Both XXXX XXXX and the credit bureaus are in violation of federal law by furnishing and allowing the reporting of unverifiable information. 

This account is false, unverified, and damaging my credit profile. I have attached : A copy of my 2023  debt validation request to XXXX XXXX XXXX Proof of delivery of my request A current copy of my credit report showing the account is still being reported I am requesting immediate deletion of this account from all of my credit reports. I am also requesting that the CFPB investigate XXXX XXXX XXXX for continued violations of FDCPA and FCRA and take any enforcement action necessary to protect my consumer rights. 

If this matter is not resolved, I intend to pursue further legal action under FDCPA 1692k for damages, and I will also file complaints with the Federal Trade Commission ( FTC ) and the Georgia Attorney Generals Office. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX initially filed a case against me for a XXXX private student loan I defaulted on, over 10 years ago. From judiciary case search I can see the case progressed rapidly and truth is, I had no knowledge I was being pursued by XXXX and my XXXX marriage ended in XXXX & I moved out ( to PA ). I can see a judgement of {$29000.00}, entered XX/XX/XXXX. I stopped working XXXX to be a stay-at-home mom. Started working again XX/XX/XXXX and I started having wages garnished by XXXX XX/XX/XXXX. Current day, I am a single mom trying to secure a nice home for my daughter and so I am finally looking into my financial issues. From what I am discovering, I have many concerns about who has ownership of the loan. Although I am not quite sure the specifics of the loan, I graduated with my XXXX in XXXX. It's my impression this debt would have been outside the statue of limitations. However, it is IMPOSSIBLE to contact " XXXX '' and I've sent inquiries to a few of the entities under XXXX. At this point I don't know who to contact and I can't seem to get any information about my personal account. In fact, I have NEVER received a statement after monies garnished. This garnishment is a huge burden on me and it's making it hard for me to even get housing. U daughter 's father is incarcerated so I receive no child support. I just feel this isn't right and at the very least, should be informed of whom is receiving a portion of my income. Another major concern is that I don't know exactly which loan this is referencing because after my Dad 's death in XXXX, she settled some debt she co-signed, which included my private student loan. As you can see, I have so many concerns and want to address & resolve the issue. I appreciate the follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-14 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 was surprised to see incorrect information on my credit report this morning, and I have no explanation for it. I routinely check my report, but this time I found unexpected errors. Hoping it was a display error, I refreshed my browser, but nothing changed. For this reason, Im requesting a detailed review of the documents I sent to prevent this kind of issue in the future.

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 2025-05-14 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: MS

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief