vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: SC

Complaint narrative:
I recently reviewed my credit report and found multiple inaccurate and unverified collection accounts that require immediate correction. The following accounts are in dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I demand a formal reinvestigation into these accounts. If the furnishers can not provide verifiable proof that these debts are accurate, valid, and legally owed by me, they must be deleted immediately from my credit report. 

I request the following actions : XXXX. A full reinvestigation of each disputed account as required by 15 U.S.C. 1681i. 

XXXX. The names and addresses of any entities contacted during verification. 
If the information can not be verified within 30 days, each disputed account must be deleted immediately per FCRA guidelines. 

XXXX. A Written confirmation once the accounts have been updated or removed. 
XXXX. An updated copy of my credit report reflecting these changes, as required under 15 U.S.C. 1681j. 

These collection agencies have failed to provide me with proper validation of these debts, yet they continue to report them, harming my credit profile. Reporting unverifiable information is a violation of my rights under federal law. 

Failure to comply with this request will leave me no choice but to escalate this matter further, including legal action for noncompliance and damages under the FCRA.

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 2025-03-17 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: SC

Complaint narrative:
I recently reviewed my credit report and found multiple inaccurate and unverified collection accounts that require immediate correction. The following accounts are in dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I demand a formal reinvestigation into these accounts. If the furnishers can not provide verifiable proof that these debts are accurate, valid, and legally owed by me, they must be deleted immediately from my credit report. 

I request the following actions : XXXX. A full reinvestigation of each disputed account as required by 15 U.S.C. 1681i. 

XXXX. The names and addresses of any entities contacted during verification. 
If the information can not be verified within 30 days, each disputed account must be deleted immediately per FCRA guidelines. 

XXXX. A Written confirmation once the accounts have been updated or removed. 
XXXX. An updated copy of my credit report reflecting these changes, as required under 15 U.S.C. 1681j. 

These collection agencies have failed to provide me with proper validation of these debts, yet they continue to report them, harming my credit profile. Reporting unverifiable information is a violation of my rights under federal law. 

Failure to comply with this request will leave me no choice but to escalate this matter further, including legal action for noncompliance and damages under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
on XX/XX/XXXX, I open an account with Coinbase. I made a few transactions then stop using the service. Approximately 3 or 4 years ago, I changed my phone number. I didn't update the new number with Coinbase since I was longer using them. On XX/XX/XXXX, I bought {$100.00} worth of bitcoin from Coinbase and on XX/XX/XXXX, I bought an additional {$100.00} worth of bitcoin from Coinbase. Shortly after that I began experiencing problems with my email account and had to close the account. Subsequently I was no longer able to access my Coinbase account since I could not respond to the email or phone number verifications. I contacted Coinbase support in an attempt to regain access to my account and funds. I was told to create another Coinbase account using the same bank account used to fund the previous account, upload a photo ID, upload a selfie photo and verify my previous email address which was used to create the original account, and they would transfer the funds into the new account. I did all of those things and Coinbase simply refused to grand access to my previous account, transfer the money into the newly created account or refund the funds back to my bank account. When I protested by suggesting that they couldn't just keep my money just because I changed my account info, I received a rather contentious email saying, " In an effort to respond more rapidly to support requests direct emails to this address are no longer enabled. They directed me to a help center page which only directed me back to the support page that I had already been removed from for requesting my funds. I have bank transaction records. email records and ID photos to prove the funds were indeed sent to Coinbase. I would like to recover my lost funds from Coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
I, XXXX XXXX swear that the information below is identity theft and fraudulent, as a result of Identity Theft, as a result of XXXX XXXX XXXX. The derogatory information reflected in my credit report under my SSN. As a victim of identity theft and the XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have been impacted and I am demanding that the items be removed from my credit profile immediately. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-03-17 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: TX

Complaint narrative:
Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX. My name XXXX XXXX and I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. Sincerely, XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : None ( Original Creditor : XXXX XXXX ) Account XXXX : XXXX Reason : Unverified account Account Name : None ( Original Creditor : XXXX ) Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
I, XXXX XXXX swear that the information below is identity theft and fraudulent, as a result of Identity Theft, as a result of Equifax Data Breach. The derogatory information reflected in my credit report under my SSN. As a victim of identity theft and the Equifax Data Breach ( XXXX XXXX. XXXX ), I have been impacted and I am demanding that the items be removed from my credit profile immediately. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the presence of an account listed under your name on my credit report, identified by the account number. This account does not belong to me, and I have no knowledge of it. I have never opened, applied for, nor authorized any loan or credit with your company, and I request that you immediately investigate and remove this erroneous information from my credit report. 

To date, I have made multiple attempts to resolve this issue, including contacting both your company and the credit bureaus. Despite my repeated efforts to verify the validity of this account, it continues to appear on my credit report, causing significant harm to my credit standing. I have never had any dealings with your company and do not recognize this account in any capacity. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that I believe is inaccurate or incomplete on my credit report. As this account is not mine and I have no knowledge of it, I am disputing it as inaccurate.

In accordance with 15 U.S.C. 1681s-2 ( b ), I ask that you conduct a thorough investigation into the legitimacy of this account and provide proof that this account is indeed tied to my identity. If you can not provide evidence that this account is mine, I request that you promptly remove it from my credit report. 

Despite my previous attempts to resolve this, the account continues to appear. I believe this is a clear violation of your obligations under 15 U.S.C. 1681e ( b ) to ensure the accuracy and integrity of the information you report to credit reporting agencies.

I request the following actions from your company : Immediate removal of this account from my credit report if you can not provide proof that it is mine. 
Written confirmation that the account has been removed. 
A guarantee that this account will not reappear on my credit report in the future. 
If this matter is not resolved promptly, I will be forced to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the relevant state authorities. 

Please treat this letter as my formal dispute and request for resolution. I expect a response within 30 days, as required by law. 

Thank you for your prompt attention to 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Have made several attempts and contacted XXXX  XXXX in regards to receiving mailed statements, because of my current situations i am not and have not been able to receive any emails or have access to do so, upon notifying XXXX  XXXX of this issue nothing was done to send these statements, violate my rights us code 1666b. please help

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 2025-03-17 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: CA

Complaint narrative:
Have made several attempts and contacted XXXX  XXXX in regards to receiving mailed statements, because of my current situations i am not and have not been able to receive any emails or have access to do so, upon notifying XXXX  XXXX of this issue nothing was done to send these statements, violate my rights us code 1666b. please help

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Pursuant to 18usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15us 1681b 2. They also have no permission to report ANYTHING using my infomation pursuant to 15 USC 1681 4. I have never had an account, or written or verbal agreement with RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX, MN XXXX. They are reporting an inaccurate account in the amount of {$1700.00} and inaccurate information and late payments on my report also this account is closed in my collections which means they have written this debt off on their taxes and have collected on this said debt. I have requested Verification of this debt and verification of the original* signed agreement with this company, in XX/XX/year> and in XXXX. They can not provide A original agreement between us or any agreement at all. I have never heard of this company nor have I got an account or debt with them. I also did not authorize use of my social security number to this agency. also i see an update that this creditor is in my collections but now listed as closed/collections this is hindering me from buying a house as this inaccurate agency is listed on my report, I did not authorize them to use ANY of my information or report on my credit

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 2025-03-17 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: CA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 2025-03-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive asked Experian to send me all contracts for debt collectors with my signature they havent done, Ive tried disputing thing and the dispute would be closed within days.

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 2025-03-17 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: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-03-17 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: TX

Complaint narrative:
I noticed unauthorized inquires on my credit report that i would like removed. According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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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 2025-03-17 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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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