vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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:
-- - FINAL DEMAND FOR PAYMENT FCRA VIOLATIONS Prepared for attachment to CFPB & FTC complaints Date : XX/XX/XXXX From : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX To : Experian, XXXX XXXXXXXX XXXX, XXXX, TX XXXX -- - Final Notice Before Litigation I, XXXX XXXX XXXX, am formally demanding compensation from Experian for its repeated, knowing, and willful violations of the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable items FCRA 1681i ( a ) ( 6 ) : Failure to provide method of verification FCRA 1681n & 1681o : Willful and negligent noncompliance After properly disputing several negative items on my credit report over two months ago, Experian has failed to remove or verify the following accounts in compliance with the law : -- - Unverified and Still Reporting Negative Accounts : 1. XXXX XXXX XXXX {$2200.00} charged off 2. XXXX XXXX {$1300.00} charged off 3. XXXX {$1200.00} charged off 4. XXXX XXXX {$2800.00} charged off 5. XXXX XXXX XXXX XXXX  {$8700.00} collection 6. XXXX XXXX XXXX {$3000.00} collection Each of these accounts remains on my credit file with no evidence of proper verification or response, despite my written disputes. Only one account ( XXXX XXXX ) was removed. 


-- - Demand for Statutory Damages : Pursuant to FCRA 1681n, I am entitled to {$1000.00} per willful violation. Therefore, I demand : {$6000.00} in statutory damages ( 6 unresolved and improperly verified accounts ) Additional damages for emotional distress, credit denials, and economic harm Total minimum demand : {$6000.00} This demand is final and non-negotiable. No further dispute processes or updates will be accepted.

-- - Notice of Legal Intent : If payment or legal resolution is not received within 10 calendar days, I will : File suit in Federal District Court Seek punitive damages, attorney fees, and injunctive relief Submit formal complaints to : Consumer Financial Protection Bureau Federal Trade Commission Florida Attorney General -- - Summary : Experian has had sufficient time and opportunity to comply with the law. The ongoing reporting of these unverified derogatory accounts constitutes a willful pattern of statutory abuse under the FCRA.

This is your final opportunity to resolve this matter out of court. 


-- - Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-07-18 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: CA

Complaint narrative:
This complaint has been submitted to the CFPB pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that the information on my credit report resulting from identity theft and fraud be blocked. In accordance with the law, I ask that this action be taken within four business days of receiving this complaint. 

The fraudulent account I have found : XXXX XXXX XXXXXXXX, opened on XX/XX/year>. 

I have also included a copy of the FICO consumer credit report, which reflects the unauthorized account. I do not recognize this account, nor was it opened, initiated, or authorized by me. It is the direct result of identity theft and fraudulent activity.

As supporting evidence, I have attached a copy of the police report filed with the LAPD confirming that the listed accounts and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint has been submitted to the CFPB pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that the information on my credit report resulting from identity theft and fraud be blocked. In accordance with the law, I ask that this action be taken within four business days of receiving this complaint. 

The fraudulent account I have found : XXXX XXXX XXXXXXXX, opened on XX/XX/year>. 

I have also included a copy of the FICO consumer credit report, which reflects the unauthorized account. I do not recognize this account, nor was it opened, initiated, or authorized by me. It is the direct result of identity theft and fraudulent activity.

As supporting evidence, I have attached a copy of the police report filed with the LAPD confirming that the listed accounts and inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: AZ

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 2025-07-18 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: AZ

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 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2025-07-18 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: MD

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 2025-07-18 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: NM

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I had late payment with XXXX XXXX and it was reported to credit bureaus I reached out to XXXX for a goodwill request and it was approved they reported to credit bureaus to fix the late payments and late payment status on XX/XX/2025 I have proof of everything neither has fixed I submitted dispute with Experian with all proof and they are yet to fix completed dispute again today with worst payment and late payment still there. This inaccurate reporting is damaging my credit score, and in turn, interfering with my ability to secure stable housing and financial opportunities. This is more than a clerical issue it is affecting my livelihood and living conditions. I need this fix I lost XXXX due to this. Please help get this fixed!!! Immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I recently became aware of an account reflected in my credit file that I did not open. I have never had any interaction with the party that submitted it, and this appears to be a case of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX -- I attempted to re- establish my account with Coinbase .

They asked me to verify my identity by uploading my ID front and back. They received my ID, and populated my account with information on my license. 
They then asked me to upload my ID again and with a selfie while holding a note. 

I uploaded my ID a total of XXXX + times. I provided my phone number, my social security number, and a selfie XXXX times. It is worth mentioning that Coinbase was recently hacked. I felt uncomfortable doing this, but in order to use their service, I complied. XXXX minutes later my account had a restriction. 
I called to find out why I could not use my account, and the representative stated that my account had a restriction and they needed to escalate. Why should my account have a restriction? I have had to open XXXX cases, all of which end up closing until I call them and rask to re-open the case. 

I had leftover bitcoin on the account, which had accrued interest. I have asked to withdraw my funds and close the account multiple times. They refuse to close the account they refuse to allow me remove my funds. Coinbase is notorious for doing this to their customers. I feel targeted, disrespected and I would not recommend anyone leave money on this exchange. 

Where are we today XX/XX/XXXX. Funds are still locked, one more case opened. Not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I am writing to formally dispute several hard inquiries reflected on my credit report that I did not authorize. I have thoroughly reviewed my recent credit activity and can confirm that I have not initiated any applications for new credit or services that would justify these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 
DISPUTED INQUIRIES XXXX XX/XX/scrub>/2024 Hard Inquiry Law Issue : FCRA Section 604 ( a ) ( 3 ) Inquiries require permissible purpose Story : These inquiry appear excessive and were not authorized by me. I request proof of permissible purpose and if not provided, these must be deleted In conclusion these multiple errors and violations have caused me unjustified harm and financial XXXX  the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am formally submitting a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} 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 2025-07-18 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: ID Analytics, Inc.
State: TX

Complaint narrative:
Hi Im writing regarding my address telephone number and whole information on my credit report. I was in XXXX and now Im out and Im not getting verified by any bank nor any institution Heres my address XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) My phone number XXXX ( XXXX ) can you please backdate them and put it on my record please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: IL

Complaint narrative:
I am filing a complaint against Kikoff Inc for attempting to collect or report an unverified and potentially inaccurate debt. I sent a written request for validation of the account, and as of today, I have not received any documentation or verification of the debt, balance, or terms. 

Despite this, the account continues to be reported to all credit bureaus, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The information being reported includes an unclear payment history, a worst pay status marked as unknown, and an incorrect date of last payment that matches the account open date. This reporting is incomplete, inconsistent, and unverified.

I am requesting that this account be investigated, and if Kikoff can not provide the proper documentation and validation, the item should be removed from my credit report entirely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation