vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has inaccurately reported a late payment for my XXXX XXXX XXXX  account ( Account # : XXXX, reported on XX/XX/year> with a balance of {$37000.00} ). I have consistently made all payments on time, and there is no supporting documentation from XXXX XXXX XXXX to verify the alleged late payment. The inaccurate reporting of this late payment violates 15 USC 1666b, which mandates that creditors and credit bureaus report only accurate and verified payment histories. I have contacted XXXX XXXX XXXX to request proof of this late payment, but no documentation has been provided. The inclusion of this late payment in my credit report is an error and misrepresents my payment history.

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 2025-04-25 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:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ). 

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings. 

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXXXXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

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 2025-04-25 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: CT

Complaint narrative:
In XX/XX/XXXX, a fraudulent XXXX XXXX was opened under my identity without my knowledge or consent. I discovered this account while reviewing my credit report and immediately took action to report it. On XX/XX/XXXX, I submitted an FTC Identity Theft Report ( ID # XXXX ), followed by a police report filed with the XXXX Police Department ( Case ID : XXXX, XXXX XXXX # XXXX ). I also included a notarized affidavit, government-issued ID, and supporting documentation. 

Despite receiving these documents, Experian and XXXX XXXX XXXX have XXXX to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires a credit reporting agency and furnisher to block or remove fraudulent accounts upon receipt of valid identity theft documentation.

TransUnion accepted the same documentation and fully blocked the fraudulent tradeline, demonstrating that the information provided was sufficient and valid. 

In contrast, Experian continues to delay and create obstructionsclaiming that the FTC report must specifically name XXXX XXXX, even though the issuer, XXXX XXXX XXXX XXXX, is clearly listed. They later demanded I submit a copy of my Social Security card, a requirement that is not mandated under FCRA. Meanwhile, the XXXX XXXX account reappeared on my report after previously being removed, causing a XXXX drop in my credit score.

These ongoing actions have caused emotional distress, financial harm, and violate my federal rights 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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2025-04-25 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 was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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

Company 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 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: GA

Complaint narrative:
XXXX XXXX The cost of your credit as a yearly rate. 
FINANCE CHARGE The dollar amount the credit will cost you. 
Amount Financed The amount of credit provided to you or on your behalf. 
Total of Payments The amount you will have paid after you have made all payments as scheduled. 
725.59 % {$4500.00} {$1000.00} {$5600.00} Your Payment Schedule will be : Payment Number Payment Amount Payment Due Date XXXX {$280.00} XXXX XXXX {$280.00} XXXX XXXX {$280.00} XXXX XXXX {$280.00} XXXX XXXX {$280.00} XXXX XXXX  {$280.00} 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 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
This issue started back in XXXX or XXXX, where Coinbase asked for my ID to keep using the platform. After a bit of trouble, I was able to upload my ID. After that, though, my account was restricted for reasons I don't know about. 

In XXXX, I contacted support because I wanted to withdraw my remaining cash of {$120.00} that was left in my account. However, for some reason, when I withdraw, I am prompted to add a payment method ( I have XXXX separate wire transfers and XXXX Pay in my " payment methods, '' ) but I can not select them to get my money out. When I try to add a payment method, it brings me to a screen that says " this action isn't supported in your area. '' During my conversation with Coinbase support, they received screenshots from me describing the problem and said that I would receive a email from an " escalated team. '' After waiting for a month, I never received an email. 

I decided again to contact their support on XX/XX/XXXX through XXXX regarding the same original issue, and was able to continue the conversation with support through emails. However, again the issue was moved to an " escalated team '' that would be responding within " XXXX business days. '' It has now been a week since that I am worried that I will be ghosted again. I am still waiting and trying to give them time but I want to file this complaint mainly to try to get my issue pushed up higher on their priorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CO

Complaint narrative:
During COVID 19 student loan payments were frozen, and I had these loans with a provider that was set for automatic payment. The debt was acquired by XXXX without my knowledge, consent or any notification. The company has recently placed 2 mark on my credit report for delinquent payments. I was never given any notification that the payments would resume or when, nor that my automatic payments had stopped. I was also never notified that the debt was acquired or being managed by a new service provider. I paid the past due amount in full. I explained to the company that I never received mail notification of this, was unaware that payments were resuming and that they were not automatic anymore, nor was I notified of change in provider to even know who to contact. XXXX states that they did not send me mail, they admit this, and state they have sent me emails. When I ask what email address they used, it's an email address that I had as a teenager over a decade a go and no longer exists or is in use, and told them that the correct way to communicate offical information is via mail. They admit not having sent me mail and are unwilling to remove the 2 adverse actions from my credit score ( 2 loans, both owned by them, resulted in 2 " late payment '' marks ), even after me explaining the situation and paying them. Millions of americans have been affected by this recently, by this same company, and there are innumerous complaints of this. What this agency has done is illegal, unethical, dishonest, fraudulent and they should be held accountable for destroying the lives of so many americans. I was about to start a business and apply for a business loan, now I can't. My hopes and dreams have been destroyed by this company, and all I needed was a single letter notifying me. Prior to this I had a perfect credit score for over 15 years, never a single adverse action or negative mark on my credit. This is abuse of power.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CO

Complaint narrative:
During COVID 19 student loan payments were frozen, and I had these loans with a provider that was set for automatic payment. The debt was acquired by XXXX without my knowledge, consent or any notification. The company has recently placed 2 mark on my credit report for delinquent payments. I was never given any notification that the payments would resume or when, nor that my automatic payments had stopped. I was also never notified that the debt was acquired or being managed by a new service provider. I paid the past due amount in full. I explained to the company that I never received mail notification of this, was unaware that payments were resuming and that they were not automatic anymore, nor was I notified of change in provider to even know who to contact. XXXX states that they did not send me mail, they admit this, and state they have sent me emails. When I ask what email address they used, it's an email address that I had as a teenager over a decade a go and no longer exists or is in use, and told them that the correct way to communicate offical information is via mail. They admit not having sent me mail and are unwilling to remove the 2 adverse actions from my credit score ( 2 loans, both owned by them, resulted in 2 " late payment '' marks ), even after me explaining the situation and paying them. Millions of americans have been affected by this recently, by this same company, and there are innumerous complaints of this. What this agency has done is illegal, unethical, dishonest, fraudulent and they should be held accountable for destroying the lives of so many americans. I was about to start a business and apply for a business loan, now I can't. My hopes and dreams have been destroyed by this company, and all I needed was a single letter notifying me. Prior to this I had a perfect credit score for over 15 years, never a single adverse action or negative mark on my credit. This is abuse of power.

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 2025-04-25 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: CO

Complaint narrative:
During COVID 19 student loan payments were frozen, and I had these loans with a provider that was set for automatic payment. The debt was acquired by XXXX without my knowledge, consent or any notification. The company has recently placed 2 mark on my credit report for delinquent payments. I was never given any notification that the payments would resume or when, nor that my automatic payments had stopped. I was also never notified that the debt was acquired or being managed by a new service provider. I paid the past due amount in full. I explained to the company that I never received mail notification of this, was unaware that payments were resuming and that they were not automatic anymore, nor was I notified of change in provider to even know who to contact. XXXX states that they did not send me mail, they admit this, and state they have sent me emails. When I ask what email address they used, it's an email address that I had as a teenager over a decade a go and no longer exists or is in use, and told them that the correct way to communicate offical information is via mail. They admit not having sent me mail and are unwilling to remove the 2 adverse actions from my credit score ( 2 loans, both owned by them, resulted in 2 " late payment '' marks ), even after me explaining the situation and paying them. Millions of americans have been affected by this recently, by this same company, and there are innumerous complaints of this. What this agency has done is illegal, unethical, dishonest, fraudulent and they should be held accountable for destroying the lives of so many americans. I was about to start a business and apply for a business loan, now I can't. My hopes and dreams have been destroyed by this company, and all I needed was a single letter notifying me. Prior to this I had a perfect credit score for over 15 years, never a single adverse action or negative mark on my credit. This is abuse of power.

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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
My husband and I both applied for the Bread Rewards Credit Card and were approved. Upon approval, we each received an email stating that we would receive XXXX reward points if we spent {$1000.00} within 90 days of account opening. 

Despite meeting the spending requirement, we have repeatedly contacted customer service, but no one seems to understand or acknowledge the promotional offer we were promised. My husband already had to file a separate complaint for the same issue, as we have been unable to get a clear or helpful response. We both still have the original promotional email as proof, which I am attaching to this complaint. 

We are simply asking that Bread honor the offer that was clearly communicated to us at the time of account opening. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NY

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. This is XXXX XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief