vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year>2025 To Whom It May Concern, Subject : Notice of Deleted Account from XXXX Request for Immediate Removal from Credit Reports I am writing to formally notify you that I previously disputed an account from XXXX XXXXXXXX XXXX listed as a {$1100.00} charge-off, that appeared on my XXXX credit report. Following the conclusion of their investigation on XX/XX/scrub> 2025, XXXX determined that the account could not be verified and therefore permanently deleted it from my file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy or completeness of an account. If an item can not be verified, it must be deleted from the consumers credit file within 30 days. 

Because XXXX has confirmed the deletion of this account due to lack of verification, I am requesting that your agency also remove this unverifiable account from my credit report. Continuing to report inaccurate or unverifiable information knowingly is a violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy of the information they report.

Please consider this letter formal notice under the FCRA. I expect a reinvestigation of this item and full deletion of the account from my credit report within 30 calendar days of your receipt of this letter. Failure to remove this account may result in legal action as permitted under FCRA sections 15 U.S.C. 1681n and 1681o. These sections grant consumers the right to seek actual damages, statutory damages, punitive damages, and attorneys fees for willful or negligent noncompliance.

For your reference, I have attached a copy of my ID and proof of address, as well as any relevant correspondence.

I appreciate your prompt attention to this matter and request written confirmation once the deletion is complete. 

Sincerely, 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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I've been working XXXX XXXX at XXXX shortly after this happened. He indicated it might take a few years... 

On XX/XX/year> XXXX  night around XXXX, I received a call from XXXX XXXX XXXX XXXX she indicated she was from Coinbase XXXX I had my XXXX  call the number while I was on the call, with XXXX it answered as this is Coinbase Fraud department so she hung up. 
XXXX began to explain to me someone in XXXX was trying to access my account XXXX  times that is why she was calling me. 
She walked me through resetting my password and asked me to lock my account. I explained I had XXXX factor authentication set up on my CB account. She said that is why they cant get to it. She asked me to provide my drivers license front and back along with selfie. She sent me an email. I told her I was not clicking on an email nor text, I insisted to go into the Coinbase app to do this. I did this in the Coinbase app on my phone, she indicated the first set of pictures had a glare on them and asked me to redo them, so I did them XXXX. She indicated my account would be locked for XXXX hours, she ( Fraud team ) would call me in XXXX hours and again then again in XXXX hours, after XXXX on XXXX. She said my case number was # XXXX. I said OK. 
I didnt receive a call back, so I started to worry on XXXX  night, my phone started to blow up with over XXXX text messages from about XXXX different text locations, after several minutes I blocked all of them from coming through. I woke up early XXXX  morning worrying about my Coinbase account, so I logged in and noticed I only had about $ XXXX, there was about $ XXXX ( at XXXX point it had over $ XXXX in it ). I ran an activity report and captured what happened, its in the log. Most of my coins were converted to XXXX and sent to a digital wallet, then I looked it up on XXXX Scan and it was evenly split between XXXX other wallets. I called the same number and sat on hold for several minutes because no one ever picked up. I looked up the CB phone number on the website and called and explained everything to them. That case number is # XXXX. I blame Coinbase for allowing this to happen to me, it MUST be an inside job. I plan to get an attorney and fight to get my money back into my account! 

This sounds exactly what happened to my XXXX  that was in Coinbase. 

Coinbase says hackers bribed staff to steal customer data and are demanding {$20.00} XXXX ransom XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding an account that has been charged off, sold to another lender, and is now being reported inaccurately across all three credit bureaus XX/XX/XXXX, TransUnion, andXX/XX/XXXX 

The debt was sold to XXXX XXXX XXXX, which then sold it again to XXXX XXXX. Despite this, XXXX XXXX continues to report the charged-off account, causing ongoing harm to my creditworthiness. 

Additionally : The balance is {$0.00} The account is marked charged off, even though it is no longer with XXXX XXXX The account is well beyond the statute of limitations for debt collection and reporting in my state ( South Carolina, which has a 3-year statute of limitations on written contracts ) This violates several sections of the Fair Credit Reporting Act ( FCRA ) : 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or outdated information 607 ( b ) : Failure to ensure maximum possible accuracy 605 ( a ) : Prohibition on reporting obsolete information 611 : Consumers right to dispute and correct inaccuracies I previously disputed this debt, as shown in the comments of the credit report, and XXXX XXXX resolved the dispute but continues to report it in violation of 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding an account that has been charged off, sold to another lender, and is now being reported inaccurately across all three credit bureaus Equifax, XXXX and XXXX 

The debt was sold to XXXX XXXX XXXX, which then sold it again to XXXX XXXX. Despite this, XXXX XXXX continues to report the charged-off account, causing ongoing harm to my creditworthiness. 

Additionally : The balance is {$0.00} The account is marked charged off, even though it is no longer with XXXX XXXX The account is well beyond the statute of limitations for debt collection and reporting in my state ( South Carolina, which has a 3-year statute of limitations on written contracts ) This violates several sections of the Fair Credit Reporting Act ( FCRA ) : 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or outdated information 607 ( b ) : Failure to ensure maximum possible accuracy 605 ( a ) : Prohibition on reporting obsolete information 611 : Consumers right to dispute and correct inaccuracies I previously disputed this debt, as shown in the comments of the credit report, and XXXX XXXX resolved the dispute but continues to report it in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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 was a victim of identity theft. There are inquiries on my Experian and Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
XXXX XXXX XXXXXX/XX/XXXX - {$1600.00} XXXX XXXX XXXXXX/XX/XXXX - {$2400.00} XXXX XXXX XXXXXX/XX/XXXX - {$3900.00XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXX  - XX/XX/XXXX - {$3900.00} XXXX XXXX XXXXXX/XX/XXXX - {$1400.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5700.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - 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 2025-05-19 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:
XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT 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 2025-05-19 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: NH

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 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 2025-05-19 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: TN

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-19 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:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-19 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: LA

Complaint narrative:
Inaccurate and Conflicting Reporting by XXXX XXXX XXXX FCRA and FDCPA Violations I am submitting this complaint regarding an account reported by XXXX XXXX XXXX, with the original creditor listed as XXXX. This account is being reported with inconsistent, incomplete, and misleading information across all three credit bureaus, which violates my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Specific violations include : Different " Date Opened '' TransUnion reports XX/XX/XXXX while Experian and Equifax report XX/XX/XXXX. 

Conflicting " Date Last Active '' TransUnion and Equifax report XX/XX/XXXX while Experian shows XX/XX/XXXX. 

Missing or conflicting comments Some comments mention collections or unsatisfied debt, others omit this information entirely. 

No payment history is reported despite the account being derogatory and active, which causes further confusion about its status. 

These discrepancies violate : FCRA 607 ( b ) Maximum possible accuracy FCRA 623 ( a ) ( 2 ) Duty to update and correct information FCRA 611 ( b ) Consistency in reflecting disputes FDCPA 807 ( 2 ) ( A ) False or misleading representation of the status of a debt I request a formal investigation into this account. If XXXX can not ensure fully accurate, verifiable, and consistent reporting across all bureaus, I request that the account be permanently deleted from my credit report. 

Thank you for your time and assistance. 

IDENTIFIED INACCURACIES & VIOLATIONS XXXX. Conflicting Date Opened TransUnion : XX/XX/XXXX Experian & Equifax : XX/XX/XXXX This inconsistency in the account opening date is a violation of FCRA 607 ( b ) furnishers must report with maximum accuracy. 

XXXX. Conflicting Date Last Active TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX These are clearly not aligned and impact aging of the debt and how long it can remain on file. 

FCRA 623 ( a ) ( 2 ) Obligation to correct/update inaccurate info.

3. Misleading Payment History Reporting Theres no payment history at all across all three bureaus.

If the account has been in collections since 2022, a complete absence of activity while also reporting as active in 2025 is contradictory.

FCRA 607 ( b ) Incomplete reporting.

FDCPA 807 ( 10 ) False representation of account status.

4. Conflicting or Misleading Comments TransUnion : Placed for collection Equifax : Subject has not satisfied debt.

Experian : No comment Comments should uniformly reflect the dispute or collection status and be consistent across all bureaus.

FCRA 611 ( b ) Disputes must reflect consistently across CRAs.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of account status can mislead potential creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
The following inquiries remain being reported by Equifax even though these accounts were not authorized by me. 

1. XXXX Date of Inquiry : XX/XX/XXXXXXXX 2. XXXX Date of Inquiry : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 4. XXXX XXXX Date of Inquiry : XX/XX/XXXX 5. XXXX XXXX Date of Inquiry : XX/XX/XXXX 6. XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX 7. XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the XXXX XXXX  account reported by Aidvantage, Account Number : XXXX : 1. Issue : Missing Master Promissory Note ( MPN ) Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681e ( b ) Demand : Please delete the account unless you are able to provide a copy of the original, wet-ink signed Master Promissory Note ( MPN ). An electronic agreement or summary data is not acceptable under federal evidentiary standards. If there is no valid, original contract, the account must be removed.

2. Issue : Inaccurate Reporting of Loan Status ( Forbearance/Deferment ) Law : 15 U.S.C. 1681s-2 ( b ) Demand : If the loan is in administrative forbearance or federal deferment, it must not be reported as delinquent or past due. Please verify the current status of the account. If it is in forbearance or deferment and inaccurately reported, the tradeline must be deleted.

3. Issue : Metro 2 and CDIA Noncompliance Law : Metro 2 Format Guidelines & FCRA Demand : Reporting unverifiable or paused student loans is a violation of Metro 2 standards. If the account can not be validated in compliance with CDIA guidelines, it must be deleted immediately.

Failure to Comply : You are required by law to respond within 30 days. Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), and may lead to legal action under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Kikoff Inc.
State: TX

Complaint narrative:
I opened an account with the company, Kik-off, but was unaware the company was charging my bank account for two different loans. I was told by an agent that the account was closed on XX/XX/scrub> 2025 after 90 days of non-payment on the said account that I was unaware of and never authorized to be opened. I informed the company the account was never opened by me or authorized to be open, therefore it's fraud, but they will not assist me with the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
b'OXXXX XXXX  we made a payment towards our XXXX XXXX XXXX XXXX XXXX XXXX XXXX   The payment amount is XXXX and was made using an ACH from our XXXX Banking Account XXXX XXXX  and Routing # XXXX  Well Fargo has said that they did not receive our monthly payment on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  I have provided proof of payment with the following information:\n1. Checking Act Summary sheet showing the transaction on XXXX. A transaction detail sheet from XXXX showing the money was received by XXXX XXXX XXXX\n3. The record Trace # from XXXX XXXX XXXX XXXX and the transfer time was on XXXX XXXX XXXX XXXX.\n4. XXXX XXXX XXXX XXXX statement from XXXX XXXX XXXX that shows Wells Fargo did not credit this account in the amount of XXXX. A summary letter describing the problem to Wells Fargo.\n\nOn XXXX XXXX XXXX  a received a letter from Wells Fargo that they were closing the case with no facts or investigation.  I went to my XXXX XXXX  on XXXX and they informed me that they would open a fraud case against Wells Fargo.\n\nPlease help with a resolution here.\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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-19 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:
Due to XXXXXXXX XXXX XXXX my identity was stolen. please see the following accounts 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 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

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