vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: MA

Complaint narrative:
On XXXX I disputed XXXX and it was updated some time later it was returned to the the original reason it was deputed, on XXXX again I deputed the names XXXX and again it was updated and then returned to the original reason I deputed it, on XXXX again I deputed the names and it was updated XXXX and again returned to the original reason I deputed it, on XXXX again I deputed the names and it was updated XXXX and then returned to the original reason I deputed it, on XXXX again I deputed the names and it was updated XXXX and again it was returned to the original reason I deputed, it I don't know why they update the name just when I'm not looking they put the deputed name right back

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 2025-03-10 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: GA

Complaint narrative:
experian recently stated that they verified my account with no documentation Subject : Dispute of Charged-Off Account Balance XXXX XXXX Account and TILA Violation Dear CFPB, I am submitting a formal dispute regarding the continued reporting of a balance on my XXXX XXXX account ( Account Number : [ Account Number ] ), which is listed as charged off on my credit report. Despite the charge-off status, the account is still showing an outstanding balance, which I believe is inaccurate and misleading. 
In a previous dispute, I requested proof of validation for this account. However, Experian responded by merely marking the account as " verified '' without providing the required documentation, such as the original contract or proof of authorization to charge me. This lack of proper validation and substantiation of the debt is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also of the Truth in Lending Act ( TILA ), which mandates that all creditors and credit reporting agencies provide accurate, complete, and clear information regarding a consumer 's account status. 
The ongoing reporting of a balance on this charged-off account constitutes an error because the charge-off status indicates that the creditor has closed the account and no further payments are expected. By continuing to report an incorrect balance, Experian is violating the FCRA and TILA, which both require credit reporting to reflect accurate and up-to-date information. This error is negatively impacting my credit report and, consequently, my creditworthiness.

I am requesting that the CFPB intervene and require Experian to conduct a thorough investigation into this matter. Specifically, I request that the outstanding balance be removed if it can not be properly validated or substantiated. I also ask for confirmation that the investigation complies with the provisions of the FCRA and TILA.

Please provide me with a detailed explanation of the investigation process and any findings. Should additional documentation or clarification be required, I am happy to provide it to facilitate a resolution. 
Thank you for your attention to this matter. I look forward to a timely and fair resolution of this dispute in compliance with the relevant consumer protection laws.

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 2025-03-10 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: Experian Information Solutions Inc.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I just created a Coinbase account and deposited money into the account. Coinbase will not let me use my money to trade. I called and asked to speak to someone about why I cant access my funds. They told me I have to deposit more money to access the money that I have already in there. I felt I was being misled and told the Coinbase representative. I just want to take my money out. They put me on hold for 20 minutes. They got back on the phone and said the account has been deleted. I said I did not tell you to delete my account. She got quiet and started acting weird. She kept repeating the same information and wouldnt answer the questions I was wanting to be answered. The Coinbase representative said the funds are being refunded back into the account they came from. This was not true. To make it worse I had to create another account just to call and speak with somebody about them deleting my first account. They wont let you call and speak with anybody unless you have an account with them. The second Coinbase representative said they can not find my funds. She also told me to email the support team as they have no phone number. The support team is telling me to create a third account. I was on the phone for two hours the first hour she kept making me verify my account. I verified my email address 30 times. They will not let me speak to a supervisor or anybody that can figure out where my money is. She apologized and told me to wait for an email and does not know when that email will be sent to me. I asked her so it could be one day or it could be one year? She said yes, there is no timeframe for them to reply to you. That tells me they stole my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but the bureau has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family. 

These accounts have been removed and not verified by other credit bureaus, so I do not understand why you continue to claim these accounts belong to me. 

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 

For these reasons, I request immediate action to block and remove this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to report an issue I am currently facing with a company listed on my credit report. I have attempted to have an account removed from my credit report due to concerns that the debt associated with it was never properly validated. 

After I requested validation of the debt, the company in question declined to provide the necessary information. Instead, they informed me that the debt had been paid by their insurance company as bad debt, and therefore, I am unable to dispute or remove the account from my report. However, I believe this response does not meet the legal requirements for account validation under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). 


I respectfully request that the CFPB look into this matter and assist me in resolving this issue. I believe my rights under federal law have been violated, and I seek guidance on how to proceed in ensuring the debt is properly validated or removed from my credit report. 

Thank you for your time and assistance.

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company
State: MS

Complaint narrative:
Received text messages about paying a debt from Frost Arnett. The information states I owe {$510.00}. No where in the statement or account does it say who or what this is from. I sent a debt validation letter on XX/XX/XXXX. They are still texting me asking me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00}

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 2025-03-10 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-10 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I had a relative send me {$60.00} USD via Cash App. We have transferred money through our accounts several times in the past. He called me Saturday XX/XX/year>XXXX  to let me know he had sent it. Cash App never notified me that it was sent and when I checked the app it stated pending. I called today XX/XX/year>XXXX  and asked why was it pending. The only response I received was a link to their terms and services. He sent me a screen shot indicating the money had been taken from his account. I forwarded that to chat support and they stated they are closing the inquiry I submitted. I phoned Cash App at XXXX ( XXXX ) XXXX. The person said the same about terms and conditions and indicated a supervisor will contact me by email to explain. They have taken money from his account, holding it in limbo and says it will be another 10 days to conduct an investigation on why it is being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company if falsely reporting a debt that was taken out in my name from identity theft they are damaging my credit report. They are also increasing the amount of the debt daily which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I wasn't able to pay my credit card because I lost my job and I lost a family member so i was struggling to get back on my feet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting ACT ( FCRA ), 15 U.S.C. 15 U.S.C. 1681i, which mandates reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-03-10 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
this account has been closed since XX/XX/year>, the original amount listed on my credit report is {$14000.00} this was a voluntary repossession i gave the car back because the cars condition wasnt going to last me the term of the loan the car had a bad motor and i reported that to both the loan company and the dealership the first 3 days of financing. since i have given the car back they sold the car againat an auction. they wanted me to pay the remainder of what wasnt paid at the auction for XXXX dollars. the loan remainder has been passed two different companies since then exeter is no longer in charge of this balance and that is what is being shown on my credit report. i have disputed this situated many times and all exeter does is update remarks on my credit report but they no longer own the account.

Company response to consumer: Closed with non-monetary relief