vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I am writing to formally dispute incorrect information that appears on my credit report, this entry is erroneous, and I need it corrected immediately. Ive reviewed my credit report thoroughly and can confirm that the information listed is either inaccurate or does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MD

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
I filed a dispute experian denied to follow up with the investigation. I recently was notified CFPB has filed a lawsuit against the company experian. They alleged the copany of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove nor correct any information. XXXX requesting the derogatory remarks be removed or corrected immediately as it is affecting my chances of getting a car and a home. Experian violates my rights as a consumer as well as federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
I am writing to formally request the removal of multiple unauthorized or inaccurate hard inquiries from my credit report. Upon reviewing my credit file, I noticed several inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 1681b, only inquiries made with my explicit consent should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request the removal of multiple unauthorized or inaccurate hard inquiries from my credit report. Upon reviewing my credit file, I noticed several inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 1681b, only inquiries made with my explicit consent should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center

Complaint narrative:
Fraud trying to collect money from a debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Unauthorized Transfer of XXXX to " Coinbase XXXX XXXX XXXX '' I am filing a formal complaint regarding an unauthorized transaction involving my XXXX on The XXXX exchange " Coinbase ''. 

Incident Details : Date & Time of Incident : [ XXXX XXXX ] Amount of XXXX lost : [ XXXX XXXX ( {$120.00} ) ] Transaction Hash ( from XXXX ) : [ XXXX ] Destination Address : " Coinbase XXXX XXXX XXXX '' Issue : Coinbase allowed the transaction without verification, but when I tried to check my funds, it required verification. This is an irregular and suspicious practice that directly led to the loss of my assets. 

XXXX XXXX XXXX : I was able to send my XXXX without verification, which is highly unusual. 

As soon as I tried to check the transaction, I was suddenly forced to verify my account. 

Customer support kept me waiting for over XXXX hours, giving automated responses and refusing to escalate my case. 

After I pushed for a solution, the agent disconnected the chat and left me with an unacceptable " XXXX days '' waiting period. 

I am demanding : The immediate return of my XXXX XXXX to my account. 

A full explanation of why my funds were transferred to a Coinbase XXXX XXXX. 

Compensation for my lost time and damages caused by this incident. 
If Coinbase does not resolve this issue within XXXX hours, I will escalate my case to financial regulators, legal authorities, and media platforms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regions Bank has refused to properly investigate my fraud dispute, despite clear evidence of coercion and financial deception. 

Regions Case : XXXX XXXX FTC Case : XXXX FTC Case : XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX  XXXX I was a victim of fraud in which I was coerced into sending my funds through XXXX  under false pretenses. This was not an investment lossit was financial fraud. XXXX.com now holds my stolen funds and refuses to return them, despite being fully aware of the fraudulent nature of the transactions. 

Regions previously reversed transactions from XXXX in other cases, proving they have the ability to act. However, they are now refusing to reopen my case, citing a document from XXXX as their justification. This contradicts their past actions and shows a failure to conduct a proper investigation. 

Key Issues with Regions Handling of My Case : XXXX ignored my documented evidence of fraud and coercion. 
XXXX failed to conduct a proper investigation and instead relied solely on XXXX 's response. 
XXXX refused to escalate the dispute or acknowledge their past ability to reverse funds. 
-They are unfairly shifting the burden onto me instead of protecting a fraud victim. 

Under the Electronic Fund Transfer Act ( XXXX ), I have the right to a fair investigation of my fraud claim. Regions Bank has failed to uphold this obligation. By refusing to investigate properly, they are enabling a merchant to hold stolen funds and obstructing my ability to recover them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
My loans are deferred until XX/XX/XXXX, my credit report is showing XXXX missed payments. I have XXXX loans in total and each loan is stating that Ive missed XXXX payments on each of the loans XX/XX/XXXX and XX/XX/XXXX. This is why its showing XXXX late payments. Ive reached out and spoke with them and they said XXXX in deferment and theres no late payments showing in the system. This is false reporting and they XXXX XXXX XXXX all XXXX missed payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard 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 2025-03-20 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A fraud credit card application under my name was submitted to XXXX XXXX on XX/XX/year>. My credit score was hurt due to the false 'hard inquiry. ' I called XXXX XXXX and all of the XXXX major credit bureaus. I could not get through to XXXX. I put an extra security layer and fraud alert with TransUnion and XXXX. I would like the XXXX inquiry ' reversed since this was a fraud application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A fraud credit card application under my name was submitted to XXXX XXXX on XX/XX/year>. My credit score was hurt due to the false 'hard inquiry. ' I called XXXX XXXX and all of the XXXX major credit bureaus. I could not get through to Experian. I put an extra security layer and fraud alert with XXXX and XXXX. I would like the XXXX inquiry ' reversed since this was a fraud application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
A fraud credit card application under my name was submitted to XXXX XXXX on XX/XX/year>. My credit score was hurt due to the false 'hard inquiry. ' I called XXXX XXXX and all of the XXXX major credit bureaus. I could not get through to XXXX. I put an extra security layer and fraud alert with XXXX and Equifax. I would like the XXXX inquiry ' reversed since this was a fraud application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
A fraud credit card application under my name was submitted to Capital One on XX/XX/year>. My credit score was hurt due to the false 'hard inquiry. ' I called Capital One and all of the 3 major credit bureaus. I could not get through to XXXX. I put an extra security layer and fraud alert with XXXXXXXX XXXX XXXX I would like the 'hard inquiry ' reversed since this was a fraud application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: DE

Complaint narrative:
On XXXX XXXX XXXX deposited {$5000.00} to Robinhood with a debit card. I purchased {$5000.00} of popular cryptocurrency XXXX ( XXXX ). I then transferred a portion of this XXXX to an external wallet that I own, which is a very common thing to do with cryptocurrency that you own. When I checked back on my account later, Robinhood sent me an alert that my account is under review due to suspicious activity, and I am not allowed to transfer any funds or open new positions. Everything I have done is perfectly legal and allowed by the Robinhood application, and holding my funds for an indefinite period of time, without explanation is unacceptable. Robinhood support sends back a computer generalized response saying no action needed is on my end, with no way of resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Please, investigate shady practice of PayPal payments processing. I have a PayPal branded credit card issued by Synchrony bank. You can not make the payments on the card directly to the bank, it can only be done through PayPal system. I have autopay set up on the account that worked fine in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX right on the payment date, PayPal sent me notification that autopay was canceled by them due to the failed payment and charged me late fee of {$29.00}. My financial institution shows no traces of attempted payment that was declined or failed. PayPal just deleted my autopay to charge late fee. What regulation is in place to prevent such scam?

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 monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  capital one reports an opened capital one flexible spending credit card and the balance is {$6200.00} and also on the same day another capital one card with a balance of {$54.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
Dear CFPB Representative, I am writing to formally submit a complaint regarding issues I have encountered with my credit report and the handling of a fraud alert that I placed due to identity theft. 
Details of the Complaint : 1. Fraud Alert : I placed an initial fraud alert on my credit file on XX/XX/year>, due to concerns that my identity may have been used without my consent. This alert was intended to notify creditors to take extra steps to verify my identity before extending credit.

2. Contact Information : I provided my contact number, ( XXXX ) XXXX, for verification purposes. However, I have reason to believe that creditors are not honoring this alert, as I have received notifications of credit applications that I did not authorize. 
Inaccuracies on Credit Report : There are XXXX inaccuracies on my credit report that I believe are a result of identity theft. I have requested that these inaccuracies be blocked and removed, but I have not received a satisfactory response from the credit reporting agencies.

4. Lack of Compliance : It appears that creditors are extending credit without properly verifying my identity, in violation of the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer are being compromised, and I am seeking your assistance in addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
Dear CFPB Representative, I am writing to formally submit a complaint regarding issues I have encountered with my credit report and the handling of a fraud alert that I placed due to identity theft. 
Details of the Complaint : 1. Fraud Alert : I placed an initial fraud alert on my credit file on XX/XX/year>, due to concerns that my identity may have been used without my consent. This alert was intended to notify creditors to take extra steps to verify my identity before extending credit.

2. Contact Information : I provided my contact number, ( XXXX ) XXXX, for verification purposes. However, I have reason to believe that creditors are not honoring this alert, as I have received notifications of credit applications that I did not authorize. 
Inaccuracies on Credit Report : There are XXXX inaccuracies on my credit report that I believe are a result of identity theft. I have requested that these inaccuracies be blocked and removed, but I have not received a satisfactory response from the credit reporting agencies.

4. Lack of Compliance : It appears that creditors are extending credit without properly verifying my identity, in violation of the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer are being compromised, and I am seeking your assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NV

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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