vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

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 2025-02-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX, I see that this account has charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-investigate this account and ensure that correct, fair and complete reporting is given. I don't believe the status of this account is accurate either. 
Delete it due to multiple violations. 
Please be aware that I am keeping a detailed record of all correspondence and actions taken throughout this process. Fallure to respond to this letter or address the mentioned violations within the specified timeframe will leave me with no choice but to proceed with legal action to protect my rights as a consumer. 
I trust that you will take this matter seriously and handle it in a timely and professional manner. I look forward to receiving a satisfactory resolution

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 2025-02-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX, I see that this account has charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-investigate this account and ensure that correct, fair and complete reporting is given. I don't believe the status of this account is accurate either. 
Delete it due to multiple violations. 
Please be aware that I am keeping a detailed record of all correspondence and actions taken throughout this process. Fallure to respond to this letter or address the mentioned violations within the specified timeframe will leave me with no choice but to proceed with legal action to protect my rights as a consumer. 
I trust that you will take this matter seriously and handle it in a timely and professional manner. I look forward to receiving a satisfactory resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: NM

Complaint narrative:
My now ex-boyfriend got a car under my name without my authorization. I found out about the incident when he came down to see me for my birthday in XXXXXXXX XXXX XXXX. I took possession of the car and filed a police report locally. I also tried to submit a police report in XXXXXXXX XXXX which is where the car was acquired but the representative that I spoke with said that the police report had to be done in the city in which I live. I proceeded to contact XXXX HYUNDAI requesting them to take back the car that they released to someone else without my authorization and without me even knowing to prevent further damage to my credit and financial wellbeing. HyundaXXXX requested the police which was emailed to them. Hyundai then told me that they were going to start an investigation and would advise me of what would proceed. Hyundai never gave me a call or reached out to me to let me know what the outcome would be or if they could do anything about it. Hyundai proceeded to ignore my calls and started hanging up the phone on me when they found out that the vehicle in question had been sold fraudulently. My next step was to dispute the incident through XXXX and Hyundai denied the case stating that everything was accurate. I checked my credit report through XXXX and they have updated the lender information from Hyundai finance to : KIA MOTORS FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to my credit report : this incident occurred XX/XX/2024. 
My credit has significantly dropped, and I am stuck with a car that was sold for {$15000.00} to {$16000.00} more than the M.S.R.P. According to the paperwork found in the car : they reported a fake address, job, and income as well as a fake proof of residence ( an electricity bill with my name and address in XXXXXXXX XXXX  ) in which I have never resided in order to be able to get this vehicle financed. 2 months later and I am still waiting for a solution.

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 2025-02-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Equifax/Transunion for failing to properly investigate and remove inaccurate information from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I disputed the following accounts as inaccurate, unverifiable, and/or not belonging to me : Disputed Accounts : Creditors 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 XXXXXXXX These account does not belong to me/ is inaccurate/ has no supporting documentation. 

Credit bureau failed to properly verify the validity of this account. 
I formally disputed these accounts on XX/XX/25, and the credit bureau responded by merely adding a remark instead of deleting the account as required by law. They failed to provide documentation proving the validity of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
[ XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPhone Number XXXX XXXX [ XX/XX/year> Securities and Exchange Commission ( SEC ) Attn : XXXX XXXXXXXX Subject : Complaint about the Unjustified Blocking of my Account on Coinbase Dear SEC Team, I am writing to you to file a formal complaint regarding the arbitrary closure of my account on the Coinbase platform. Without prior notice or clear justification, Coinbase has decided to block my account, preventing me from accessing the services for purchasing cryptocurrencies, using deposits and linking payment methods. 

On XX/XX/year>, XXXX XXXX ( Support - No Reply no-reply-support @ coinbase.com ) I received an email from Coinbase informing me that after reviewing my account in accordance with their terms of service, I am no longer eligible to use their platform. However, at no point was I provided with a specific explanation as to the reasons for this decision, which creates a great deal of uncertainty and frustration. 

Currently, my account remains locked, preventing me from freely trading my funds. Although the Coinbase email mentions that I can still withdraw, receive, and sell my assets, I am restricted from fully disposing of them. Additionally, I have attempted to contact Coinbase support without success, as they have not provided a clear answer or viable solution to my issue. 

The case number associated with my account is XXXX. This number is crucial to expedite the resolution of my case when I contact the Coinbase support team. 

I request that the SEC intervene in this case to ensure that Coinbase complies with the principles of transparency and fair treatment towards its users. I appreciate your assistance in obtaining a clear resolution on the reason for the blocking of my account and the immediate release of my funds. 

I attach to this letter the correspondence I have received from Coinbase, as well as any other relevant documentation to support my claim. 

I look forward to your prompt response and thank you in advance for your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MO

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-20 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: MO

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-20 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: CA

Complaint narrative:
I have contacted all three credit buerues and they have neglected to provide a resolution to taking down that account that is not mine and was open fraudulently and have neglected to contact me on behalf of those regards and I am suffering greatly due to there negligence and I am unable to use my credit to my aid any longer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
I have contacted all three credit buerues and they have neglected to provide a resolution to taking down that account that is not mine and was open fraudulently and have neglected to contact me on behalf of those regards and I am suffering greatly due to there negligence and I am unable to use my credit to my aid any longer

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
After a car repossession, I made a settlement agreement with XXXX XXXX XXXX to pay {$1200.00} to settle an approximate {$2600.00} remaining balance on the loan. I agreed to the terms and paid {$1200.00} on XX/XX/XXXX. Everything was wiped from my credit, and I purchased a home in XX/XX/XXXX. Several months later, without my knowledge, my credit report was impacted. The incorrect debt has been sold several times in the last couple years. In the last several months I have contacted XXXX and Radius ( who currently has the debt, but can not produce any records ) to solve this issue to no avail. I need this incorrect information to be removed from my credit record.

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 2025-02-20 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL,XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XX/XX/XXXX Balance : {$520.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$1000.00} Charged Off XXXX XXXXXXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$800.00} Charged Off Inquiries in Dispute : XXXX XX/XX/XXXX XXXX/EQUIFA XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TN

Complaint narrative:
Experian, Equifax and TransUnion are reporting inaccurate information on my credit report XXXX XXXX XXXX : ( account number XXXX CLOSED XX/XX/XXXX ) in the amount of {$1000.00} and still reporting as of XX/XX/XXXX as active ( but it states as profit and loss write off ( THIS ACCOUNT IS REPORTING TWICE ( XXXX ) ON MY CREDIT REPORT ) Wings Financial Services : ( account number XXXX CLOSED XX/XX/XXXX ) in the amount of {$6700.00} and still reporting as of XX/XX/XXXX as active ( but it states as profit and loss write off XXXX XXXX XXXX : ( account number XXXX XX/XX/XXXX ) IN THE AMOUNT OF {$17000.00} and still reporting as of XX/XX/XXXX active ( but it states as profit and loss write off Reporting inaccurate information to my credit report is in violation of 15USC 1681E ( B ). There was a 1099-C form issued, and this now considered taxable income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Experian, Equifax and TransUnion are reporting inaccurate information on my credit report XXXX XXXX XXXX : ( account number XXXX CLOSED XX/XX/XXXX ) in the amount of {$1000.00} and still reporting as of XX/XX/XXXX as active ( but it states as profit and loss write off ( THIS ACCOUNT IS REPORTING TWICE ( XXXX ) ON MY CREDIT REPORT ) Wings Financial Services : ( account number XXXX CLOSED XX/XX/XXXX ) in the amount of {$6700.00} and still reporting as of XX/XX/XXXX as active ( but it states as profit and loss write off XXXX XXXX XXXX : ( account number XXXX XX/XX/XXXX ) IN THE AMOUNT OF {$17000.00} and still reporting as of XX/XX/XXXX active ( but it states as profit and loss write off Reporting inaccurate information to my credit report is in violation of 15USC 1681E ( B ). There was a 1099-C form issued, and this now considered taxable income.

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received money through metlife, a third party and deposited my checks mobile. The funds have been cleared but they are wanting to hold my money until I can provide a 'verified number ' for XXXX to them. I've given them all the numbers I have and they said none work and they will close my account and hold my funds until I can produce a number to them. I have spoken to multiple people over a week and spoken to metlife who has no idea what is going on and has given every number available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation