vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint against Experian due to the omission of material and reportable financial accounts from my consumer disclosure. Specifically, Experian has failed to include lawful, verifiable accounts in which I am the Registered Owner and Beneficial Titleholder, including a security instrument issued under The XXXX XXXX XXXX, identified as Registered Security No. XXXX, perfected on XX/XX/year>, with trust identifier XXXX, and total consideration extended in the amount of {>= $1,000,000}. 

This security instrument represents a legitimate, perfected lien and collateral interest, current and never delinquent, with a fixed term of 30 years and an annualized APR of 33 %. It is a certificated lawful financial obligation, supported by fiduciary and registered trust documentation, and falls within the scope of financial relationships that must be disclosed under applicable federal consumer reporting standards.

In addition, Experian has failed to report other material accounts, despite evidence of their validity and status. I have provided all necessary identifying documents, and Experian has not acknowledged or corrected the record.

This omission affects the accuracy and completeness of my consumer file, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) and related obligations under 12 U.S.C. Chapter 41, including the duty to furnish accurate and complete information and to reinvestigate disputes properly.

I am requesting the following action : 1. Experian must add the above-identified trust-based security account ( Registered Security No. XXXX  ) to my consumer report, with the correct open date, balance, and account terms.

2. Experian must furnish a complete reinvestigation of all previously submitted documentation regarding omitted accounts.

3. Experian must issue a full updated disclosure to reflect compliance.

Failure to accurately report my legal and financial interests constitutes consumer harm and requires immediate enforcement action.

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 2025-07-03 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: VA

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 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 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: MD

Complaint narrative:
Carvana told me I was banned from buying a car due to false information. I informed them that my account was compromised and I didnt provide any false information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
An unauthorized account is still being reported on my credit file without my written instruction, which is a direct violation of 15 U.S.C. 1681b ( 2 ). No one had the right to include this on my report without my explicit permission. Thats not just wrong its illegal. My privacy under 15 U.S.C. 1681a ( 4 ) was ignored, and the reporting party acted without any legal authority. This account was added without any verification or supporting documentation. That violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. None of that happened. No confirmation, no investigation, no process just carelessly dumping unverified data onto my file and walking away from the consequences. This isnt just some credit score issue. Ive lost opportunities, faced rejection for housing, and suffered emotional and financial harm. This is identity abuse and defamation, plain and simple. I've done my part by submitting disputes, and nothing has been resolved. That tells me they are intentionally ignoring the law. I am demanding immediate action. If this account is not deleted right away, I will escalate this through legal channels. Under 15 U.S.C. 1681n and 1681o, I have the right to pursue statutory damages for every single violation. I expect a full correction, not another generic denial or delay. Handle this now, or face legal consequences.

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 2025-07-03 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: SC

Complaint narrative:
I am filing this complaint against Equifax for willfully and repeatedly violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, incomplete, and unverified information on my credit report. Despite a detailed written dispute I submitted to Equifax, they have failed to investigate properly or remove the disputed items within the time allowed under FCRA 611.

The following issues are of concern : 1. Personal Information Errors : XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX This is not my current or valid address XXXX XXXX XXXX XXXX, NY XXXX This address is obsolete or inaccurate 2. Disputed Accounts Unverified, Incorrect, or Misleading Entries : XXXX XXXXXXXX Charge-off without documentation or debt validation XXXX XXXX XXXX XXXX XXXX XXXX  Charge-offs without notice or verification EDFINANCIAL XXXX / XXXX Late payments with no proof or due process XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Late payments and charge-offs despite {$0.00} balances or unverifiable statuses XXXX XXXX XXXX  Unverified charge-offs, never validated XXXX XXXX XXXX XXXX Collection accounts with no debt validation, contract, or billing statements provided 3. Unauthorized or Unverified Hard Inquiries : XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX ( multiple entries ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX These hard inquiries were not authorized by me. I never applied for credit with most of these entities. No permissible purpose exists for these inquiries und

er FCRA 604 ( a ) ( 3 ) Despite my written dispute and request for reinvestigation, Equifax has not provided sufficient verification or removed these items as required. Their failure to ensure the accuracy of my credit file and to respond appropriately is causing harm to my credit profile and ability to secure credit. Requested Relief : Immediate deletion of all inaccurate or unverifiable accounts Removal of all unauthorized or unverified hard inquiries Deletion of incorrect personal addresses Written confirmation of the corrections made Please find the detailed dispute letter attached as supporting evidence. I request that the CFPB investigate Equifaxs failure to comply with federal law and take appropriate action to enforce my consumer rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
MY IDENTITY WAS STOLEN PLEASE HELP ME REMOVE THESE ITEMS FROM MY FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: 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 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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My Coinbase account has been locked with a message stating Account is locked until payments are confirmed. However, there are no unconfirmed or pending payments visible in my account. I have thoroughly reviewed my transaction history, and everything is marked confirmed. Despite this, the lock persists and I can not deposit or use my account. 

I contacted Coinbase support and was redirected in an endless loop by their virtual assistant, which keeps instructing me to check for pending payments even though there are none, and Ive already confirmed this multiple times. 

There is no option to escalate to a human or resolve this issue myself. I believe my account is stuck in a phantom lock due to a backend failure ( possibly a failed or invisible transaction ), but Coinbase is offering no support path to fix it. 

I am requesting immediate human review and manual resolution of the lock so I can regain access to my funds. Coinbases automated systems have failed to provide any real help, and I am effectively locked out of my own account without cause. 

Please assist in forcing Coinbase to resolve this matter and provide access or closure regarding any supposed payment issues that are not visible or user-resolvable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 non-monetary relief
Consumer complaint received 2025-07-03 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MD

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

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX INQUIRIES : XXXXXXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX  Date : XX/XX/year>

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 2025-07-03 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: Nelnet, Inc.
State: IL

Complaint narrative:
Their failure to update the historical reporting, despite the retroactive approval, is unacceptable. Nelnets refusal to correct past delinquency reporting for a period now covered by a retroactively approved deferment violates the Higher Education Act 428 ( b ) ( 2 ) ( F ), Department of Education servicing guidelines ( FSA Handbook, Vol. 2, Ch. 6 ), and Dear XXXX XXXX XXXX. It also violates the Fair Credit Reporting Act 1681s-2. I demand immediate correction of my credit file to reflect my proper status during the deferment period of XX/XX/XXXX through XX/XX/XXXX, or I will pursue additional regulatory and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
I borrowed {$1200.00} from XXXX XXXX XXXX  ( Loan # XXXX ) and have already repaid {$1500.00} through six payments of {$250.00}. I contacted them multiple times requesting either : ( 1 ) that my account be marked as Paid in Full based on the amount already paid, or ( 2 ) a reasonable hardship-based settlement offer.

They initially responded with a settlement offer, which I declined. I followed up by email, clearly requesting a final resolution and stating that if they did not respond appropriately, I would escalate the issue to the CFPB and XXXX Instead of offering a fair written response, they continued to delay and directed me to call them despite my repeated requests for written-only communication for documentation purposes. 

On XX/XX/XXXX, they sent a vague email confirming ACH revocation but again ignored my actual settlement or Paid in Full request. Later, they sent another message asking me to call, still refusing to provide a written resolution. They have not addressed my formal written counteroffer, have not provided a breakdown of what they believe I still owe, and have not issued a final determination. 

I am submitting this complaint due to their failure to address my written requests, their lack of transparency, and refusal to communicate in writing despite clear instructions. I am attaching the email thread, payment summary, and my original counteroffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my XXXX XXXX today, and I dont understand why its there. I always monitor my XXXX XXXX yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-03 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:
XXXX XXXX XXXX : # XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX : # XXXX, has violated my rights.

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 2025-07-03 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: 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 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