vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
Identity Theft Report XXXXXXXX XXXX I am reporting that a fraudulent account was opened with XXXXXXXX XXXX XXXXXX/XX/year> under my identity without my knowledge or authorization. I did not apply for, open, or use this account. 

I first became aware of the account on [ insert date you discovered it ], when I reviewed my credit report and saw an unfamiliar entry from XXXXXXXX XXXX. I immediately recognized this as fraudulent and took steps to report the identity theft. 

I have never done business with XXXXXXXX XXXX, and I did not authorize anyone to open an account on my behalf. 

I filed an identity theft report with [ e.g., my local police department or the FTC at IdentityTheft.gov ] on [ insert date ]. I have also contacted the credit bureaus and submitted a dispute along with the identity theft report, requesting that the XXXXXXXX XXXX account be blocked and permanently removed from my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. 

To date, the account remains inaccurately reported and has negatively impacted my credit. I am requesting the immediate removal and blocking of this account, and confirmation that XXXX XXXX has been notified of the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
This letter serves as my final formal notice concerning the inaccurate late payment listed on my credit report and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple prior disputes, you continue to report this negative item without providing any supporting documentation. A generic verified response does not meet your obligation under FCRA 1681i to conduct a reasonable reinvestigation. 

You have 30 days from the date of this letter to provide : Original, complete documentation from the creditor validating the alleged late payment ; A full description of your reinvestigation, including sources used ; Immediate deletion of the disputed items if not substantiated with original evidence. 

This issue aligns with recent enforcement actions by the CFPB, including the XX/XX/year> lawsuit against Equifax for similar violations. Your conduct mirrors those cited failings and strengthens my legal position. 

You are also in violation of FCRA 1681e ( b ), which requires you to ensure maximum possible accuracy. Your failure to remove unverified data and refusal to provide original evidence constitutes willful noncompliance. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I am writing this out of deep frustration and desperation. For weeks now, I have been trying to close my Coinbase account, but the company has made this process unnecessarily difficult, if not outright impossible. Despite my repeated attempts to contact their support team through multiple channels ( calls, support tickets and social media ), I have not received any meaningful response or update. 

My account is at a {$0.00} balance, and I have followed every instruction available on their help pages to initiate closure. Still, the system either prevents me from proceeding or simply does nothing. I have requested a statement confirming my {$0.00} balance multiple times as well, but they have not provided it. 

It feels like Coinbase is intentionally preventing me from closing my account for reasons unknown. The lack of communication and resolution has left me feeling helpless. This is unacceptable behavior for a financial services provider. 

I am asking for your help in holding Coinbase accountable. I just want to close my account and move on. I have done my part now I need someone to make them do theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: ME

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: ME

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Previous CFPB complaint XXXX was closed due to the letter from Citibank, XXXX dated XX/XX/year>, according to which Citibank, XXXX would issue my refund within XXXX to XXXX business days in the form of a cashier 's check mailed to my address. However, Citibank, XXXX has still not issued the refund and continues giving me the runaround as of today, XX/XX/year>, which is greater than XXXX to XXXX business days. It has been almost XXXX XXXX weeks since the payments were taken, and I have not received the refund despite Citibank, XXXX reflecting a refund having been issued and payment reversals on my online account. Therefore, Citibank, XXXX needs to keep the duplicate payments of {$500.00} on XX/XX/year> and XX/XX/year> posted and reflected for XX/XX/year> and 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 2025-05-30 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XXXX XXXX XXXX regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The collection agency XXXX XXXX neglected to send out any letters in reference to the alleged debt. I am unfamiliar with this debt or this agency. The alleged debt is reporting on my credit reports with a balance of XXXX. Which includes a date open as of XX/XX/XXXX on Experian.

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 2025-05-30 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: MI

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete payment history reporting on my credit report. After reviewing my report, I discovered multiple late payments being reported on accounts that I do not recall being late on. These reporting errors appear to qualify as billing errors under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act.

Alleged Billing Errors Under the law, a billing error includes : 15 U.S.C. 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment made or credit issued.

15 U.S.C. 1666 ( b ) ( 5 ) : A computation or similar accounting error by the creditor. 

Additionally, I did not receive a billing statement 21 days before the alleged late payments, which is a requirement before any late fee or delinquency can be reported. This calls into question the legitimacy of the reported delinquencies. 

Disputed Accounts I request a thorough reinvestigation of the following accounts and the immediate removal or correction of any unverifiable or inaccurate late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment reported inaccurately. 

I formally request that these accounts be reviewed under the Fair Credit Billing Act and that each creditor provide documented proof of my late payments. If this documentation can not be produced, the payment history must be corrected to reflect on-time payments. 

Requested Relief Under my rights as a consumer, I am requesting : A full reinvestigation of each late payment listed above. 

Deletion or correction of any unverifiable or inaccurate payment entries. 

Copies of any documentation used to verify the alleged late payments. 

Assurance that any billing-related violations will be addressed in accordance with the Fair Credit Billing Act and the Fair Credit Reporting Act. 

Escalation Notice This dispute and request for correction will also be submitted to : The Consumer Financial Protection Bureau ( CFPB ) The Better Business Bureau ( BBB ) The Michigan State Attorney General If these matters are not resolved promptly, I reserve the right to seek further legal remedies under applicable consumer protection laws. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was in a major accident and kids tried to pay my XXXXXXXX XXXX but Capt. Sent all statements to emails instead of house for all 3 accounts. Then when they finally sent a letter it was for payment in full and I never used my Capt. One cards. I email requests for statements for last XXXX months which now is XXXX months since accident and have not received them. My wallet and cards were loss in accident when I was airlifted to hospital because injuries were so severe. But capital one added fees and charges for months before they were sent to collections my history was always paid and never late for years but they took advantage of situation and refused to Close cards at kids request and added more fees for a few months before kids asked an attorney to send statement but charges were still added and are still being added as they are in collections as I have not seen my wallet or cards since XXXX XXXX  I have XXXX  a fraud and theft warning on all my cards and credit bureaus. I have reported them missing from XXXX  scene when I was released from XXXX  and XXXX  started to clear up I then made police report. Again on my credit cards I was never late and want fraudulent accounts removed from credit bureaus. I have prided my score of XXXX but due to this theft and fraud my score went to a XXXX and was working of getting higher. But I have taught my kids a great credit score will pave your future and get you all you need with out issues Capt. One is the only company that would not work with the kids during this stressful time bring their only parent for last XXXX plus years.The other card companies closed accounts right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: One Source Technology
State: TX

Complaint narrative:
I am writing to formally request a validation of the debt associated with the eviction record that currently appears on my credit report under your companys name. As I have the right under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper documentation to verify the legitimacy, accuracy, and details of this reported eviction. This includes evidence confirming that the debt is valid, that I am legally responsible for it, and that your agency is authorized to report and collect on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Incorrect Name Variations on My Credit File Dear Experian, I am writing to formally dispute the multiple name variations listed on my credit report. My full legal name is XXXX XXXX XXXX. However, my Experian credit report inaccurately lists other names that I have never used and do not belong to me. 

These incorrect or incomplete names include ( but may not be limited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These variations are erroneous and may potentially be tied to inaccurate account data or confuse my credit identity. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting that you investigate and remove all incorrect name variations from my file, retaining only my full and correct legal name : XXXX XXXX XXXX For verification, I am including the following documentation : A copy of my government-issued ID ( e.g., drivers license or passport ) A copy of a recent utility bill or bank statement with my name and address A copy of my Social Security card or other proof of my full legal name Please confirm receipt of this dispute and inform me in writing once the corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: ACS Education Services
State: GA

Complaint narrative:
This account was offered FULL FORGIVENESS in late 2019. This account still holds a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall XXXX XXXX XXXX promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC XXXX they are suppose to 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 2025-05-30 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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