vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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  Breach victim Identification theft victim also VIOLATION OF 15 USC CODE 1692g or 15 USC CODE 1666b. I have not supplied proof under the doctrine of estopper by silence. PLEASE REMOVE THE ERRONEOUS ACCOUNT ACCORDING TO THE LAWS REFERENCED ABOVE OR FACE LEGAL 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 non-monetary relief
Consumer complaint received 2025-05-09 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: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
XXXX  Breach victim Identification theft victim also VIOLATION OF 15 USC CODE 1692g or 15 USC CODE 1666b. I have not supplied proof under the doctrine of estopper by silence. PLEASE REMOVE THE ERRONEOUS ACCOUNT ACCORDING TO THE LAWS REFERENCED ABOVE OR FACE LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 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 2025-05-10 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: NY

Complaint narrative:
Subject : Final Request for Resolution Reinstated Fraudulent Data and Incomplete Reinvestigation To Whom It May Concern, I am writing to formally respond to Experians recent rejection notices dated XX/XX/XXXX and XX/XX/XXXX, regarding my repeated attempts to block fraudulent information from my credit file due to long-term identity theft. 

Despite submitting verified documents for several yearsincluding a valid government-issued ID, IRS tax records from XXXX through XXXX, employment verification, and prior reports filed with the FTC, XXXX, and local law enforcementExperian continues to return generic denial messages requesting documentation I have already provided multiple times. 

Pattern of Harm : Most alarming is the continued reinstatement of fraudulent data previously removed : The false name XXXX XXXX remains on my Experian and Equifax files, despite documented disputes. 
Multiple fraudulent addressesincluding XXXX XXXX, XXXX, and XXXX reappeared without cause or notification. 
As soon as XXXX bureau updates or corrects the file, another reintroduces the same fraudulent data, creating a never-ending cycle. 

This behavior undermines my right to a fair investigation under FCRA 1681i and violates the principle of maintaining accurate, verifiable data. I have cooperated fully and submitted more than enough proof of identity over the years. 



I Am Requesting the Following : 1. A physical copy of my full consumer disclosure file, as defined by FCRA 1681g. 
2. A full list of data furnishers and sources responsible for each fraudulent name, address, or alias on file. 
3. A written explanation of the process Experian follows when accepting or rejecting identity verification documents. 
4. Copies of any records used to verify or reinsert the fraudulent information on my file so I may submit them to federal and local authorities for follow-up. 

This is my final request before escalating to additional oversight bodies. Please understand that my goal is not to delay or resubmit endlesslyI simply need accurate records and full transparency so I may pursue appropriate identity restoration steps through law enforcement channels. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2025-05-10 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: NV

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-10 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: NV

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-10 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: OH

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 2025-05-09 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: UT

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account Name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and unlawful reporting of the following XXXX XXXX accounts on my Experian and Equifax credit report. 

XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX Upon review, these accounts contain several factual errors and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting an immediate deletion of these tradelines due to the following : 1. Illegal Re-Aging After Charge-Off ( FCRA 623 ( a ) ( 5 ) ) XXXX accounts continue to reflect monthly late payment activity after being marked as charged off. Reporting accounts as currently past due after charge-off is considered re-aging and misleads the credit reporting timeline. 

2. Dual Reporting of Balance + Past Due Amount ( FCRA 607 ( 2 ) ) These accounts are simultaneously listed with a full charged-off balance and a past due amount ( e.g., {$1100.00} and {$1400.00} ). This is a reporting contradiction and is not the maximum possible accuracy required by federal law. 

3. Inaccurate Ownership and Collection Reporting ( FCRA 623 ( a ) ( 4 ) ; FDCPA 807 ( 2 ) ( A ) ) I have received contact from a third-party collection agency ( XXXX XXXX XXXX XXXX XXXX  ) in reference to this same debt. If XXXX no longer owns the debt, they must report a {$0.00} balance and indicate the debt was sold or transferred. Continuing to report the balance under both names is misleading and unlawful. 

4. Missing or Manipulated XXXX  ( FCRA 623 ( a ) ( 5 ) ( A ) ) There is no clear Date of First Delinquency listed. Instead, the account shows a recent last payment date of XX/XX/year>, which appears inaccurate and can result in unlawful extension of the XXXX reporting period.

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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Coinbase because my account has been under a buying restriction for over two and a half years, despite my full compliance with their demands and multiple attempts to resolve the issue.

The restriction began as a result of a negative balance of {$720.00}, which was caused by accidental bank reversals in XX/XX/XXXX tied to past transactions. I was made aware of this in XXXX # XXXX, and once Coinbase notified me, I paid off the entire balance in full. 

After the payment was made, I expected my account to be restored. However, my ability to buy cryptocurrency or add payment methods remains XXXX, with no explanation from Coinbase. I attempted to locate the specific transaction that cleared the balance, but Coinbases interface does not make this information accessible. Nonetheless, my account balance now clearly shows {$0.00}, confirming that I do not owe anything. 

On XX/XX/XXXX, Coinbase opened XXXX # XXXX and told me my account had been escalated to a XXXX team. They promised a XXXX hour review period, but no resolution occurred. I followed up again on XX/XX/XXXX, and received no further communication or action. 

To be clear : I have not lost access to my funds in Coinbase. 
I am able to hold and send XXXX. 
The restriction only affects my ability to buy XXXX  and link or use payment methods, which is essential to my use of the platform. 

Over the past XXXX and a half years, I have cooperated with Coinbase, responded to support requests, provided screenshots, and followed their instructions. Yet I continue to be met with delays, vague responses, and broken promises. This prolonged restrictionwith no path to resolution, no working contact options, and no accountabilityis unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Revenue Corporation
State: TX

Complaint narrative:
1. United Revenue ( XXXX XXXX XXXX ) I am disputing a medical collection account from United Revenue for {$500.00} that is currently being reported on my XXXX  credit file. This account violates updated CFPB and XXXX XXXX XXXX  XXXX guidelines stating that medical debt under {$500.00} should no longer be reported. 

I initially disputed this with XXXX, and they marked it as verified without providing any proof or the required method of verification under FCRA 611 ( a ) ( 7 ). I am now formally requesting that this item be deleted. If XXXX  is unable to provide legally valid verification or documentation, it must be removed immediately. 

This ongoing inaccurate reporting is damaging my credit and violates federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 explanation
Consumer complaint received 2025-05-10 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: MI

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 explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter XXXX  pulled a hard inquiry on my credit on XX/XX/XXXX, before I even applied for a vehicle refinance loan. I applied on XX/XX/XXXX and they approved me for a loan on XX/XX/XXXX, and had me sign the loan documents. Later in the day they demanded bank statements. They then rescinded the loan on XX/XX/XXXX despite my income meeting their stated $ XXXX requirement. This caused damage to my credit, confusion, and stress. I reached out to Exeter for answers and requested documentation, but they ignored my requests and provided no clear explanation, leaving me without a refinanced loan and with a negative mark on my credit through no fault of my own.

Company response to consumer: Closed with explanation