vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have failed to remove and block fraudulent and human-trafficking-related accounts and inquiries from my consumer credit reports, even after receiving all required documentation under the Fair Credit Reporting Act ( FCRA ). 

I am a verified victim of human trafficking and identity theft, as confirmed by my FCRA Section 605C Self-Attestation Form, Identity Theft Victims Complaint and Affidavit, and supporting identification.

Despite submitting certified dispute packets to all three credit bureaus, including proof of identity, trafficking documentation, and FTC report, they have failed to comply with FCRA 605B, 605C, and 611 by not blocking, removing, or correcting the fraudulent data. 

The accounts and inquiries were opened without my authorization and resulted directly from my victimization. They include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent debt ; opened without consent XXXX XXXX Fraudulent account ; violation of FDCPA 807 false reporting XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) Fraudulent inquiries XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry XXXX XXXX XXXX XXXX Unapproved account and inquiry Under FCRA 605C, all adverse information resulting from human trafficking must be blocked within XXXX ( XXXX ) business days once proper documentation is received. 
Under FCRA 605B, identity theft-related information must likewise be blocked or deleted within XXXX ( XXXX ) business days after a valid identity theft report is received. 
All three bureaus were properly notified and provided full documentation, but they have failed to take any action or respond with proof of verification as required by law. 

This continued reporting of false, unverified information violates : FCRA 605B Failure to block identity theft information within XXXX  days FCRA 605C Failure to block adverse information resulting from human trafficking FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to ensure maximum possible accuracy FDCPA 807 False and misleading credit reporting by furnishers These violations have caused ongoing financial harm, credit denials, and emotional distress, despite my full legal compliance and cooperation.

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 2025-10-16 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: SC

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have failed to remove and block fraudulent and human-trafficking-related accounts and inquiries from my consumer credit reports, even after receiving all required documentation under the Fair Credit Reporting Act ( FCRA ). 

I am a verified victim of human trafficking and identity theft, as confirmed by my FCRA Section 605C Self-Attestation Form, Identity Theft Victims Complaint and Affidavit, and supporting identification.

Despite submitting certified dispute packets to all three credit bureaus, including proof of identity, trafficking documentation, and FTC report, they have failed to comply with FCRA 605B, 605C, and 611 by not blocking, removing, or correcting the fraudulent data. 

The accounts and inquiries were opened without my authorization and resulted directly from my victimization. They include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent debt ; opened without consent XXXX XXXX Fraudulent account ; violation of FDCPA 807 false reporting XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) Fraudulent inquiries XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry XXXX XXXX XXXX XXXX Unapproved account and inquiry Under FCRA 605C, all adverse information resulting from human trafficking must be blocked within XXXX ( XXXX ) business days once proper documentation is received. 
Under FCRA 605B, identity theft-related information must likewise be blocked or deleted within XXXX ( XXXX ) business days after a valid identity theft report is received. 
All three bureaus were properly notified and provided full documentation, but they have failed to take any action or respond with proof of verification as required by law. 

This continued reporting of false, unverified information violates : FCRA 605B Failure to block identity theft information within XXXX  days FCRA 605C Failure to block adverse information resulting from human trafficking FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to ensure maximum possible accuracy FDCPA 807 False and misleading credit reporting by furnishers These violations have caused ongoing financial harm, credit denials, and emotional distress, despite my full legal compliance and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Summary of Issue : On XX/XX/year>, I deposited {$300.00} into my Coinbase account using my verified bank account connected through Plaid. According to Coinbases own statement, deposits made from a verified bank account are supposed to be available instantly attached screenshot provide.

The funds appeared in my account but are being held under a temporary hold to cover credited amounts from pending bank transfers. My bank has confirmed that the transfer cleared successfully, and the funds left my account immediately.

I have attached screenshots showing Coinbases instant deposit policy and the message about the temporary hold.

This delay is causing serious financial hardship for me and my young daughter. I currently have a bankruptcy filing in progress, and this {$300.00} represents the only money I have for food and basic living expenses this week.

I have contacted Coinbase through their support system but have not received a clear explanation or release of funds. I am requesting CFPB assistance to compel Coinbase to release my funds immediately or provide a lawful justification for withholding them.

Company : Coinbase , Inc . 
Amount : {$300.00} Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Giggle Finance Inc.
State: CO

Complaint narrative:
On XX/XX/year> I filled out what I thought was a business loan application through Giggle Finance. They confirmed my business income through Plaid. I was approved for {$1800.00}. They said they would deposit the funds into my business bank account but the amount would be reduced to ~ {$1600.00} after the origination fee. They said weekly payments of {$300.00} would be taken from my account weekly until the balance was paid off. I thought this was reasonable. I signed the agreement. I did not see that this was a purchase of future revenue and that they were purchasing {$3000.00} worth of my future revenue and that I would be making weekly payments until that amount was paid off. This amount was 150 % of what I had requested. Basically twice what I thought I was asking for as a loan. They made the effort to call me and explain certain terms but left this important detail off during the conversation. I feel this practice was intentionally deceiving. I would never have looked for such a thing in the agreement as it was not discussed verbally. Be weary of Giggle Finance! Read the fine print. Don't throw aware your hard earned revenue.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates
State: IN

Complaint narrative:
Peoples gas just placed collection on my credit after 7 years in the amount of {$670.00} with creditor Lj Ross associates I called in too the company and was told its a bill back from XXXX and they just placed it on my credit 7 years later XX/XX/XXXX I am disputing this as Ive had service with this company more than twice since XXXX and I was never sent out or notified anything about a past due balance nor never denied services from them after the year XXXX so how do owe them anything as well I received a refund check from them last year XXXX for overpaid services

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
I am disputing inaccurate and misleading information being reported by XXXX XXXX XXXX on my Experian credit report. This is an ongoing issue. I recently disputed the account, and Experian marked it as updated today ( XX/XX/year> ) instead of correcting or deleting the inaccurate information. 

The account is listed as Account charged off. {$24000.00} written off. {$26000.00} past due as of XX/XX/year>. This is contradictory and misleading. Once an account is charged off, it can not simultaneously carry an active past due balance. This violates FCRA 607 ( b ) ( duty of accuracy ) and Metro 2 reporting guidance for Account Status Code XXXX ( XXXX ). 

The payment history continues to display new charge-off and delinquency codes even after the account was charged off in XX/XX/year>. Reporting ongoing delinquency after charge-off is inaccurate and inflates the delinquency period, unfairly damaging my credit score. 

The Date of Status is listed as XX/XX/year>, yet the charge-off reporting extends through XX/XX/year>. This inconsistency suggests possible re-aging of the account, which could improperly extend the reporting period in violation of FCRA 605 ( c ) and the CFPBs guidance on the Date of First Delinquency ( DOFD ).

Additionally, the report does not list a Date of First Delinquency, as required by FCRA 623 ( a ) ( 5 ). Without this date, it is impossible to verify the correct XXXX reporting period for this account. 

Finally, the balance continues to fluctuate month-to-month even after the charge-off date. Once an account is charged off, the balance should remain static unless post-charge-off interest is contractually permitted and clearly disclosed. This also violates Metro 2 data format standards for charge-off accounts. 

I request that the CFPB investigate these reporting violations Experian to delete the inaccurate data to comply with federal law.

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 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
I am writing to demand an immediate re-investigation and correction of multiple inaccuracies on my credit report. These are not minor errors they have already harmed my credit and caused significant financial and emotional distress. Despite prior assurances that these inquiries/entries would be removed, they remain on my 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 2025-10-16 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: AR

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-16 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: TN

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Helping Hand Financial, Inc
State: TX

Complaint narrative:
I lost my job and went through a divorce all at the same time and got very behind it for a year

Company response to consumer: Untimely response
Consumer complaint received 2025-10-16 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: NY

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 2025-10-16 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:
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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am disputing a collection account reported by Aldous & Associates PLLC for {$190.00}, originally from XXXX XXXX XXXX XXXX, appearing on my XXXX  credit report. 

This collection account is inaccurate, incomplete, and unverifiable, violating the following consumer protection statutes : 1 FCRA 1681e ( b ) : Bureaus must maintain maximum possible accuracy and remove unverifiable data.

2 FCRA 1681i ( a ) ( 1 ) ( A ) : The reinvestigation process must include competent verification not automated confirmations.

3 FCRA 1681i ( a ) ( 5 ) ( A ) : Unverifiable or inaccurate information must be deleted from the consumers file.

4 FDCPA 1692g : Aldous & Associates must provide full validation, including a signed membership agreement, account statements, and legal assignment documentation. 

I am requesting the CFPB to investigate and compel Aldous & Associates PLLC and XXXX  to validate or delete this collection for noncompliance with FCRA and FDCPA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
The company is threatening legal action to collect on a debt already paid. I paid {$50.00} the XXXX of XXXX. I would like this amount paid back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: WA

Complaint narrative:
On XXXX XXXX, I submitted a formal dispute to Equifax regarding inaccurate information on my credit report. I submitted this dispute through their online portal, which I understand is handled by their third-party contractor, XXXX XXXX XXXX XXXX XXXX XXXX Since that time all I have gotten is " Consumer Disputes - Reinvestigation in Process ''. With no updates. 

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to complete their reinvestigation within 30 days. It has now been significantly longer than 30 days, and I have not received a final response or the legally mandated results of the investigation. 

This is not an isolated incident but part of a pattern where Equifax, through XXXX, uses its dispute process to create unlawful delays. These delays prevent me from resolving errors on my report and moving forward with my financial life, such as applying for loans or securing housing. 

Furthermore, based on my prior experiences and widespread consumer reports, I believe the entire process is flawed. Equifax and XXXX use faulty intake procedures that fail to accurately convey the details of my dispute to the original furnishers. They then routinely and uncritically accept the furnisher 's unverified response, even when it is implausible. 

By failing to complete the investigation within the 30-day legal timeframe, Equifax and XXXX are in direct violation of the FCRA. They have deprived me of my right to a prompt and fair investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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 advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation