vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
I am filing this complaint to address multiple credit report inaccuracies and instances of potential identity theft. Unverified Debt and Lack of Proper Documentation : I have noticed a credit card account reported by XXXX XXXX  that has been charged off. Despite this action, I never received a 1099-C form for the alleged cancellation of debt as required under IRS regulations . I request that XXXX XXXX provide a copy of the 1099-C form if this debt was indeed canceled. Otherwise, this account should be removed from my report for non-compliance with reporting requirements. Unauthorized Collections Accounts : The following collections accounts have appeared on my credit report, which I believe are fraudulent and not my responsibility : XXXX XXXX {$5000.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX {$3700.00} ( Original Creditor : XXXX ) XXXX {$3400.00} XXXX XXXX  {$300.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ( Original Creditor : XXXX XXXX ) These accounts have not been validated with proper contractual agreements showing I owe these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), these should be removed if validation is not provided. Unauthorized Hard Inquiries : My report includes several hard inquiries that I did not authorize. The following inquiries are listed : XXXX ( multiple inquiries between XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization, and these entries violate my rights as a consumer. Victim of the Equifax Data Breach : I was affected by the Equifax data breach, which exposed my personal information. As a result, I am at increased risk of identity theft. The fraudulent activity on my report may be linked to this breach, and I have taken the recommended step of filing an identity theft report. This report should be considered as evidence that fraudulent accounts and inquiries may have been opened without my knowledge or consent. Requested Resolution : I request that : All unauthorized inquiries be removed from my report. Any collections accounts without proper debt validation or contractual agreements demonstrating my liability be deleted immediately. The charged-off XXXX XXXX account be reviewed for compliance with tax reporting requirements, and I be provided with a 1099-C form if applicable. Otherwise, this account should be removed for non-compliance. I ask that all actions be taken in accordance with my rights under the FCRA and FDCPA, ensuring my credit report is accurate and free from fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
A few months ago I opened a Coinbase account under my email address XXXX. When I opened the account I was required to complete identity verification which included uploading my photo ID and a selfie and providing my personal identifiers like my social security number and date of birth. I successfully completed each task to open my account and my account was fully opened and I am told every time that I login that " I'm ready to now buy cryptp ''. Although I have attempted to purchase crytpo I can not because the feature to buy currency is disabled on my account and when I try I get an error telling me buys are disabled and that I will hear back from them in three days. I have been receiving the message saying I will hear back from them in three days for over a month now. I will upload my photo ID here in the portal for further verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXXXXXX  Email : XXXX Date : XX/XX/XXXXXXXX  Subject : CFPB Complaint Regarding EQUIFAX Data Breach and Fraudulent Information on My Credit Report To Whom It May Concern, I am writing to formally file a complaint against EQUIFAX regarding a data breach that has compromised my credit profile and has led to the inclusion of fraudulent information on my credit report. 



Summary of Complaint : I am XXXX XXXX XXXX, a consumer with the above-mentioned address and date of birth. On XX/XX/XXXX, I discovered that my credit profile with EQUIFAX contained fraudulent information that I believe is a result of a data breach. This erroneous data includes fraudulent information, unknown accounts, inaccurate personal information, unauthorized credit inquiries,. I did not authorize any of the transactions or account openings associated with this fraudulent information. 



I have already taken the following actions : 1. Contacted EQUIFAX to dispute the fraudulent information and requested Validation of accounts with PROOF OF WET SIGNATURES ON ORIGINAL CONTRACTS.

2. Placed a fraud alert on my credit file.

3. Requested a copy of my credit report to review all unauthorized activity. 



Despite these efforts, the fraudulent information remains on my credit profile, and I have not received a resolution from EQUIFAX in a timely manner regarding these accounts. 

Accounts numbers listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Resolution : I request that the CFPB assist in investigating this data breach and the fraudulent information on my credit profile. I seek the following : 1. Immediate removal of the fraudulent information from my EQUIFAX credit report.

2. A full investigation by EQUIFAX into the breach and unauthorized activity.

3. Confirmation that my credit file is secure and no further unauthorized information has been added.

4. Compensation for any harm or damages caused by the breach, including potential impact on my credit score or eligibility for credit. 



BY LAW UNDER 15 USC 1681 RIGHT TO PRIVACY. 



I appreciate your attention to this matter and look forward to your prompt response. Please contact me via email at XXXX if you require additional information. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Re : Complaints # XXXX and XXXX To Whom It May Concern : Thank you for your detailed response. After reviewing the information provided, I respectfully dispute the tradeline reported by Bridgecrest Acceptance Corporation and request its removal from my credit report for the following reasons : Verification of Accurate Reporting : While Bridgecrest claims to have accurately and lawfully reported the account, I am requesting a full audit of the information reported to the credit reporting agencies. Any discrepancies, including but not limited to the dates of delinquency, the amounts past due, or the charge-off balance, would render the reporting inaccurate under the Fair Credit Reporting Act ( FCRA ). 
Compliance with the Fair Debt Collection Practices Act ( FDCPA ) : I am requesting that Bridgecrest demonstrate compliance with all applicable FDCPA requirements, including proper notification regarding the repossession, auction, and deficiency balance. Any failure to meet these requirements may invalidate the debt or portions of it. 
Disputes and Investigations : Bridgecrest acknowledged receiving multiple indirect credit reporting disputes from XXXX  through XXXX. Under the FCRA, information disputed by a consumer must be verified for accuracy and completeness. If Bridgecrest has not conducted a reasonable investigation into my claims, or if it failed to correct any inaccuracies found during its investigations, this could constitute non-compliance. 
Notice of Disposition : I request evidence that the Notice of Disposition sent on XX/XX/XXXX, was properly delivered in compliance with the Uniform Commercial Code ( UCC ). Failure to deliver this notice appropriately can impact the deficiency balance and the right to report the debt. 
Charge-Off Reporting : The timeline between repossession, charge-off, and sale of the vehicle raises questions about the accuracy and legality of the reporting. Bridgecrest must ensure that the reported information accurately reflects the true status of the account, including proceeds applied from the sale. 
In light of the above, I formally request the following : A detailed breakdown of the debt validation process conducted by Bridgecrest, including all documentation and calculations supporting the tradeline. 
Evidence that all reporting complies with FCRA and FDCPA requirements. 
Immediate removal of the tradeline if any inaccuracies, procedural errors, or non-compliance issues are found. 
Failure to address these concerns adequately may result in further complaints filed with the CFPB and potential legal action under FCRA and FDCPA protections. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-11 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: WI

Complaint narrative:
To Whom It May Concern, Subject : Dispute of Account with XXXX XXXX XXXX I am writing to formally dispute the accuracy of the account reported under XXXX XXXX XXXX on my credit report. The account details as reported are inconsistent and inaccurate. 
The account is stated to have been opened on XX/XX/XXXX, and it further states that it was first delinquent on XX/XX/XXXX. This timeline is illogical, as an account can not have a delinquency period before being open for a year. 
Additionally, I believe this account is more than 7 years old, which would make it eligible for removal under the Fair Credit Reporting Act ( FCRA ). Per FCRA Section 605 ( a ), negative information should not be reported beyond the 7-year limit. 
I kindly request a thorough investigation into this matter and immediate removal of this account from my credit report. Please provide written confirmation once this issue is resolved. 
If you require additional information to assist with your investigation, please let me know promptly. 
Thank you for your attention to this matter. I look forward to your timely 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 2025-01-11 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: PA

Complaint narrative:
I Disputed Inaccurate and incomplete Reporting of Account Information to Experian and XXXX disputing the inaccurate information on my credit report that pertains to my account with [ XXXX XXXX, ACCOUNT NUMBER XXXX ]. After reviewing my consumer credit file with my home loan officer I have found that my account is not being reported accurately, and this misinformation is negatively affecting my creditworthiness. 
The following discrepancies have been identified : the account doesn't show up on 2 of my consumer credit reports and These inaccuracies are causing significant harm to my credit score and ability to secure favorable terms or funding in my home buying process, in fact it present a distorted picture of my financial responsibility. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to have all information contained in my credit report be accurate and verifiable. Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies must maintain procedures to ensure that the information they report is as accurate as possible. By failing to accurately report my account, the credit bureau is in violation of these provisions of the FCRA. 

Additionally, under 15 U.S.C. 1681s-2 ( a ), data furnishers ( Experian and XXXX ) are required by Law to provide accurate information on my consumer credit report and If there is an error in the reporting of the account as seen in the attached file, the credit bureau has the obligation to correct this discrepancy.

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 2025-01-11 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: VA

Complaint narrative:
Upon reviewing my credit report, I identified several inaccuracies and instances of unauthorized information being reported. These errors have significantly impacted my life and financial well-being, damaging my credit health.

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 2025-01-11 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: VA

Complaint narrative:
Upon reviewing my credit report, I identified several inaccuracies and instances of unauthorized information being reported. These errors have significantly impacted my life and financial well-being, damaging my credit health.

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-11 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-11 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 formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
I am writing to dispute the following items on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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