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

Complaint narrative:
Im requesting the immediate deletion of the XXXX account ( Account # XXXX / XXXX ) from my credit report due to inaccurate and conflicting reporting. 

This account is already closed and paid in full, with a {$0.00} balance, yet your records still show 30-day and 60-day late payments in late XXXX and early XXXXThats inaccurate and misleading especially since the final status of the account is marked Current at the time of closure.

Under 15 U.S. Code 1681i ( FCRA 611 ), you are required to remove or correct any information that can not be verified or is inaccurate. Given the conflicts in reporting, I am requesting that you delete this account from my credit file entirely. 

Please complete your reinvestigation and send written confirmation of the deletion within 30 days, as required by law.

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

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am reporting inaccurate and unverifiable information on my credit report in violation of FCRA 1681e ( b ) and Metro 2 compliance standards. My personal data was compromised in a known breach, and I did not authorize continued furnishing of these collection accounts. Under 15 U.S.C. 1681b, the furnishers must validate permissible purpose and prove full verification. These accounts remain despite being unverified. I request immediate deletion and legal compliance.

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 2025-07-07 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding an account being reported on my credit report under the name Oportun Bank, account number XXXX. I do not recognize this account and I am certain it does not belong to me. 

I have already submitted dispute letters to the three credit reporting agencies, as well as to Oportun Bank directly. Despite my efforts, I have not received any response or proper validation of this debt. 

This account is negatively impacting my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) if it can not be verified or substantiated.

I have made multiple efforts to resolve this matter:1. I sent dispute letters to all three major credit bureaus XXXX XXXX XXXX XXXX XXXX  ) stating that these accounts are not mine. 
To date, I have not received any response from the companies involved, and the inaccurate information remains on my credit reports. This is negatively impacting my credit score and causing unjust financial harm.

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

Complaint narrative:
I told experian, transuion, and equifax to remove all late payments and also that the companies they are reporting are not my debt and are fraudlent reporting on my credit report. They have also been asked to remove collection and to verify but they never fully verify and still leave it on my report. I have told them the addresses are wrong they have listed along with the multiple wrong spellings of my name I sent proper info but they still will not remove the incorrect spelling. They are not following these laws : Credit Laws 15 U.S. code 1666 15 U.S. CODE 1666 ( B ) 15 U.S CODE 1692 ( G ) 15 U.S CODE 1681 ( C ) 2 15 U.S. CODE S 1681, I have told them multiple times that XXXX XXXX and XXXX are not my debt and they still have it posted. all three bureaus. No many how many times i send in a dispute they never remove anything.

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 2025-07-07 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax keeps reporting the wrong spelling to my name after I have disputed it multiple times and provided them with the correct Spelling and a photo of my social security card for proof Under 15 U.S.C. 1681 S-2 I am entitled to a fair and ( Accurate ) Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> the car was taken from my wife work place with no notice or anything and its our only car, we called the company to try get a deal and get the car back, we were on the phone for almost XXXX hours. The car payments were delayed, and the {$23000.00} could have been enough to complete the settlement. The bank owed me {$12000.00}, with {$1000.00} to be paid each month. I made ten payments and the remaining {$2000.00} was due. I received the car title. After that, I was surprised to find that the bank had officially withdrawn the car, paying the full {$23000.00} to return the car to me, under the pretext that it was not paid. The arrangement was completed. I don't know where my {$10000.00} payments went. I kindly request a full investigation and a detailed written explanation regarding : 1. The application of my payments totaling {$10000.00}.

2. The reason for repossessing my vehicle despite my substantial compliance with the settlement.

3. The current status of my account and how this large outstanding balance of {$23000.00} was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
On or around XX/XX/year>, my Coinbase account was compromised by an external actor, resulting in the unauthorized withdrawal of over $ XXXX entire life savings. Despite promptly reporting the breach, Coinbase failed to provide meaningful support, initially blaming me with a accusatory response : You took the crypto. shared with third parties, including reporters, without my consentan act I believe constitutes defamation and breach of confidentiality. They later closed the case admitting a hack or theft was involved, without resolution, failing to investigate key evidence, they never once even reached out personally for the investigation, just cold " bot '' responses. 
These actionsor lack thereofhave had devastating consequences. The company 's inaction and miscommunication have caused profound emotional, physical, and mental harm. These failures exacerbated serious medical conditions, resulted in temporary housing insecurity, and contributed to a significant mental health crisis. Most disturbingly, following the breach and resulting instability, I was physically assaulted, leading to further trauma. 
I am a XXXX individual living on ( XXXX ). The stolen funds represented not just my life savings, but the financial foundation for securing safe, stable housing and long-term support into retirement. 

Further, my communications with Coinbase were deflected, mishandled, and at times shared with third parties, including reporters, without my consentan act I believe constitutes defamation and breach of confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 formally dispute a reported late payment on my credit report. I have reviewed my payment records thoroughly and believe this entry is inaccurate. I kindly request a reinvestigation and correction of this item to ensure my report reflects only verified and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-07 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: MI

Complaint narrative:
Experian has failed to fulfil legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed desputed items despite the evidence i have provided causing ongoing harm to my credit standing. I an requesting Immediate correction action to remove or amend the disputed accounts, as Experian inaction violates 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 2025-07-07 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} million ; Thomas v. TransUnion {$5.00} million ).

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses.

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 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 2025-07-07 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: GA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted dispute letters regarding inaccurate or outdated information on my credit report to all three major credit bureaus : Equifax, Experian, and XXXX. Each dispute included all required documentation, including proof of identity and supporting evidence. 

As of now, only XXXX  has responded to my dispute and completed an investigation. Equifax and Experian have not responded, acknowledged receipt, or confirmed that my disputes are being processed. I have mailed multiple copies of my disputes to both companies and have not received any updates or communication in return. 

This failure to investigate or respond within the 30-day time frame is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that both Equifax and Experian investigate my disputes immediately and correct or remove the inaccurate information from my credit reports.

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

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this formal complaint against Equifax for misuse of my personal information, failure to maintain accurate records, and long-term denial of access to my own credit file. Since XXXX, I have been unable to view or manage my Equifax credit report through normal channels. Repeated attempts to gain access were unsuccessful, and I received no support or correction from Equifax 's customer service. 

In XX/XX/XXXX, I escalated the issue and demanded access under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681g, which gives consumers the right to access their own file. While I was eventually granted access, I discovered that the information in my report was severely outdated and factually inaccurate. The report had not been updated in over two years, reflecting a gross failure to ensure the accuracy of consumer data, in violation of FCRA 1681e ( b ).

Additionally, Equifax mailed me a physical report that contained sensitive information belonging to another individual named XXXX XXXX. This alarming error constitutes a breach of my privacy and a violation of 15 U.S.C. 1681b and the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801, which require consumer data to be safeguarded and disclosed only with a permissible purpose.

When I contacted Equifax to resolve the matter and provided the report reference number, the representative disconnected the call after I explained the issue. This behavior, combined with the systemic failure to safeguard and update my information, has caused me emotional stress, credit harm, and heightened risk of identity theft.

I respectfully request that the Consumer Financial Protection Bureau open a formal investigation into Equifaxs practices related to data integrity, consumer access, and privacy protection. I am also pursuing legal advice for potential civil action regarding the damages caused.

Company response to consumer: Closed with non-monetary relief