vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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 am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXX. XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX - XXXX Under 15 USC 1666B, it is unlawful for a creditor to report a payment as late if they have not ensured the periodic statement, containing the necessary details as per section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. The creditors associated with these accounts have failed to meet this statutory requirement. As such, all reported late payments must immediately be corrected to reflect on-time payments.

Furthermore, I have experienced unlawful adverse actions by lenders, violating 15 USC 1691c and 15 USC 1692k. These actions are punishable under civil liability laws. Discrimination in credit decisions, as outlined in 15 USC 1691, is strictly prohibited. Additionally, unauthorized hard inquiries have been placed on my consumer report, despite my never granting consent for their disclosure or use. Such actions violate 15 USC 1681b, and I demand the immediate removal of all unauthorized hard inquiries and any inaccurate personal information from my report.

Reporting any unverifiable information is illegal under federal law. Per 15 USC 1692g, you are required to provide tangible proof that I am legally obligated to these accounts. Your failure to provide such documentation constitutes a violation of the FCRA and FDCPA, and I remind you that any data not independently verified must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I opened a Coinbase account and purchased some crypto currency. Without notifying me, Coinbase has closed my account, will not allow access to my account/transfer funds, etc., will not answer any questions regarding my account since I can not log into my account, has basically stolen my money and will not respond to any of my inquiries. How in the world is this a XXXX dollar company and I can't even speak with someone regarding my account. How are they allowed to operate in this fashion? This is frankly outrageous behavior and as a custodian of individuals ' money, they should be shut down until they can get their act together. Right now, I consider Coinbase to be a thief. I have never seen anything like this in my life. 

I demand my money back or access to my account. I am going to be speaking with lawyers to get together a class- this behavior is outrageous. They stole my money and then play games that are so frustrating, it makes you scream.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: AL

Complaint narrative:
It is extremely disheartening to know that my rights as a consumer are being violated. I place great value on my credit score, as anyone would, and the inaccuracies on my credit report have already caused significant harm to both my financial opportunities and my mental well-being. 

I have been attempting to resolve these issues for some time, yet my requests continue to be ignored or disregarded. This lack of action has only worsened the negative impact these inaccuracies have on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
I am writing to formally complain about Wakefield and Associates and XXXX XXXX regarding a medical debt. 

The charge in question stems from a visit on XX/XX/year>, which occurred on XXXX XXXX XXXX XXXX XXXX. While XXXX XXXX has indicated that the fee was applied due to the appointment falling on a holiday, I was not informed at the time of scheduling that an additional charge would be incurred for this reason. Had I been made aware, I would have selected a different appointment date to avoid the surcharge. 

My concern is not with how the charge was processed by insurance, but rather with the lack of transparency from XXXX XXXX regarding the holiday fee. I raised this issue with XXXX XXXX multiple times and requested a review of the charge. As of the latest correspondence, the account was still under review, and no final resolution had been communicated. 

Below is a detailed chronology of my correspondence with XXXX XXXX  : * * Chronology of Correspondence : * * - * * XX/XX/year> : * * Initial email sent to XXXX XXXX disputing the {$37.00} charge due to lack of disclosure about holiday fees. 
- * * XX/XX/year> : * * XXXX responded, stating the charge was due to the appointment occurring during regular office hours that fall outside traditional hours. 
- * * XX/XX/year> : * * I clarified that the issue was not insurance-related, but rather XXXX  lack of transparency about the holiday surcharge. 
- * * XX/XX/year> : * * XXXX confirmed the account was sent for review and that a representative would follow up. 
- * * XX/XX/year> : * * I followed up, stating I had not been contacted regarding the outcome. 
- * * XX/XX/year> : * * XXXX requested patient details again ; I provided XXXX full information. 
- * * XX/XX/year> : * * XXXX stated the charge was due to the appointment falling on XXXX XXXX XXXX XXXX XXXX. I reiterated that the issue was the lack of prior notice and requested reconsideration. 
- * * XXXX XXXX XXXX  : * * I followed up again due to lack of response. XXXX requested patient details again, which I resent, noting it was the third time. 
- * * XXXX XXXX XXXX : * * XXXX acknowledged my email and confirmed the account was still under review, asking for 57 business days for resolution. 

Given the absence of prior notice about the extra fee I feel that this change should be removed as there was no way to avoid it. I believe this charge is inaccurate and should not be subject to collection. I respectfully request that XXXX XXXX XXXX  cease collection efforts and return the account to XXXX XXXX for further resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-20 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-21 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE 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 2025-08-20 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: NY

Complaint narrative:
On XX/XX/year>, my debit card was lost or stolen, and I believe my PIN was compromised. That same day, it was used for a fraudulent transaction of {$2000.00}. On XX/XX/year>, several additional fraudulent transactions were made on my account, including charges of {$5.00}, {$30.00}, {$46.00}, {$2000.00}, {$400.00}, {$63.00}, and {$7.00}. 

I discovered the fraud on XX/XX/XXXX when I logged into my account to make a rent payment. I immediately reported the card as lost/stolen and filed a fraud claim. Despite reporting the fraud promptly and never authorizing these transactions, my bank denied my claim. 

The bank stated that because I had previously shopped at some of the same merchants ( such as XXXX XXXX, XXXX XXXX, and a local car wash ), they determined that these transactions were authorized. This reasoning is incorrect and unfair. Just because I have made small purchases at those businesses in the past does not mean I authorized large fraudulent transactions, including XXXX separate charges of {$2000.00}, which are completely inconsistent with my spending history. 

In addition, I never received any fraud alerts from the bank regarding these unusually large and suspicious charges. 

Under Regulation E of the Electronic Fund Transfer Act ( 12 CFR Part 1005 ), consumers are not liable for unauthorized electronic fund transfers reported promptly after discovery. The bank has failed to comply with its legal obligations and did not properly investigate my case. 

These funds represented my rent money, and the banks refusal to reimburse me has caused significant financial hardship. I am requesting the CFPBs assistance in requiring the bank to reopen my claim and issue a proper reimbursement in compliance with 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 monetary relief
Consumer complaint received 2025-08-20 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: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX ID : XXXX To : Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Dispute of Inaccurate Information Due to Fraud XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Dear Early Warning Services, I am writing to formally dispute inaccurate information associated with my Consumer ID ( XXXX ) that appears in your records. Specifically, I am disputing a reported principal loss amount related to XXXX XXXX XXXX XXXX under Contribution Reference Number XXXX. 

This information is inaccurate and the result of fraud. I did not authorize or participate in the transaction ( s ) that led to this reported loss, and I have reason to believe my identity or account was compromised. 

I am requesting that Early Warning Services investigate this matter thoroughly and remove or correct the erroneous data from my record. Please consider this letter my formal notice of dispute under the Fair Credit Reporting Act ( FCRA ). 

Enclosed are supporting documents for your review : A copy of my government-issued ID Please provide a written confirmation once the investigation is completed, and notify me of any updates or actions taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$2300.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$16000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$7100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation
Consumer complaint received 2025-08-20 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: NJ

Complaint narrative:
I am writing to you as the holder of account number XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX credit card ). My credit reports from TransUnion and Experian show a 30-day late payment reported in XX/XX/XXXX, even though the account has been paid and closed since XX/XX/XXXX. 

Reporting this account with a delinquency after it was closed and settled is misleading and inaccurate. This violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1666b, 1681i, and 1681s-2, which require furnishers to provide complete and accurate information and to reinvestigate disputed items.

I respectfully request that the inaccurate 30-day late payment history be deleted from all credit bureau reports , as the account was paid and closed in good standing. 

I would appreciate your prompt attention to this matter to correct any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: WI

Complaint narrative:
These accounts were created without my permission and are fraudulent. I request urgent removal and a complete inquiry. Documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation