vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
I am writing to formally dispute an account listed on my credit report due to identity theft. I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report for your reference. 

The account in question is as follows : - **Account Number : ** 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 XXXXXXXX I believe this account does not belong to me, as I am a victim of identity theft. I did not authorize any transactions or open any accounts with this creditor. 

According to the FTC Identity Theft Report, I request that you investigate this matter and remove this fraudulent account from my credit report. Under the Fair Credit Reporting Act, I am entitled to free disclosure of my credit report and error correction for fraudulent information. 

Please let me know if you require any further information or documentation to resolve this dispute. I would appreciate your prompt attention to this matter and confirmation of the actions taken in response to this letter. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I opened an account with coinbase Global Inc. Several years ago and purchased several crypto currencies to include XXXX and XXXX. Last year the company contacted me and said my account has suspicious activity and recommended that I allow them to lock down the account. I agreed. Six to eighXXXX months ago I contacted coinbase customer support and requested access to my account. I provided picture I'd, license, and email information. I spoke to a customer service person several times and was always told someone would contact me. No one ever did. I applied to access my account at least 5 times this last year without success. On XX/XX/year>, someone or coinbase accessed my account and transferred approximately {$4000.00} in XXXX and XXXX. I have always had access to view my wallet and see the value and assets in my account. 

I tried to report this theft to coinbase but there is no longer a phone number to talk to a person and I can't use their help center because you have to access your account to communicate with the company. I am locked out of my account and this company allowed someone else to access my account that is supposed to be locked down for security and steal my currency. Now there's no one to contact. It feels like fraud and may even qualify as a felony. If I don't get my money back from this company I will spend another {$4000.00} to litigate and prosecute for financial crime. I have filed a complaint with the SEC and a complaint against their license in Alabama. It is not okay for large companies to steal money from customers. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The accounts reporting on my credit report with XXXX XXXX are fraudulent and need to be removed off my credit report, i have never done business with the companies they are attempting to collect on, i have attached a fraud affidavit as well as the response from XXXX XXXX  confirming these accounts are not mine and would be deleted off my credit file, please remove the accounts in collections with XXXX XXXX  off my credit report, see attached Fraud affidavit along with response from XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XXXX XXXX XXXX A unauthorized transaction was made from my debit card from Credit Karma and the amount of {$200.00} and it was added to my XXXX XXXX app on a iphone that was stolen from me. I reported this to Credit Karma and to XXXX support and I have a police report. Credit Karma gave me a provisional credit, then denied my claim afterwards saying this was a charge that I approved which is not true. Now Im negative - {$190.00} and in debt with my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TN

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 explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding concerns that my personal information may have been accessed without my permission by XXXX XXXX or individuals associated with him, possibly violating privacy laws and regulations. 

I have reason to believe that my personal data, such as financial, contact, or other sensitive information, has been accessed or used in a manner inconsistent with my consent. This has caused me significant distress, and I would like to request that the CFPB investigate any potential violations of the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), or any other applicable privacy laws. 

Please provide guidance on how I can further safeguard my personal information and assist in any investigations into this matter. I am concerned about the potential misuse of my data and seek your assistance in ensuring that my privacy rights are protected. 

I appreciate your immediate attention to this issue and look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have no idea who LVNV FUNDING LLC is. I have no purchase agreement with this company whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: SC

Complaint narrative:
I submitted a second written dispute to Experian regarding several unauthorized hard inquiries on my credit report. Despite my first request, Experian has failed to remove or adequately verify these inquiries. 

I contacted the creditors associated with these inquiries, and they confirmed that they do not have any record of my authorization or any permissible purpose for conducting these inquiries. Under 15 U.S.C. 1681b ( Permissible Purposes ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including inquiries that were not authorized by the consumer or that do not meet legally defined permissible purposes.

Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires credit bureaus to delete unverifiable information, yet Experian has not complied. I also requested a description of the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), but I have not received any documentation or explanation of how these inquiries were verified.

The Consumer Financial Protection Bureau ( CFPB ) has acknowledged problems with the EOSCAR system, which Experian may have used in an automated and inadequate manner instead of conducting a proper manual investigation as required by law.

These unauthorized inquiries are damaging my credit score, and Experians failure to properly investigate and remove them constitutes a willful violation of the FCRA as well as a potential unfair, deceptive, or abusive act or practice ( UDAAP ) under CFPB regulations.

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 2025-03-13 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:
I submitted an FTC report indicating that the information on my credit report is not mine.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted an FTC report indicating that the information on my credit report is not mine.

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 2025-03-13 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: TX

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
They are reporting inaccuracy cause my account is paid off or closed

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 2025-03-13 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:
My identity was stolen. My driver 's license and other personal identifiable information like my social security card were taken and used to obtain a lease in my name. 

I have submitted a Identity theft report ( police report ) and have contacted authorities. I believe it to be my own brother because he has done things like this in the past. I have never lived in XXXX Arizona. That's where the property is. 

Again, I have NEVER lived in XXXX Arizona and I did not live at the property. 

I have documentation that proves my identity was stolen.

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 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX, Fay Servicing XXXX LLC. XXXX per their written notice, stated they sold our loan # XXXX to XXXX XXXX XXXX XXXX XXXX XXXX through our Wrongful Foreclosure, auction sale date, XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, fraudulent conveyance, transferred our Deed to themselves on XX/XX/XXXX, XXXX, recording the Trustee Deed Upon Sale, before XXXX XXXX claims they paid off our loan in full on XX/XX/XXXX. XXXX XXXX, has filed the Summons-Eviction, Unlawful Detainer on XX/XX/XXXX, and filed the Sheriffs, Lock-Out which we were served on XX/XX/XXXX, XXXX, pending is our Civil Case hearing on XX/XX/XXXX, XXXX, of our Claim of Possession filed with the Courts on XX/XX/XXXX. Pursuant to California Civil Code section 2924m requires for foreclosure sales of real property containing one to four units of a winning Eligible Bidder and/or as stated XXXX XXXX considers themselves as a Bona Fide purchaser, Bona Fide needs Rule, Codified 31 U.S.C 1502 to establish the elements purchaser in Good Faith and must have made payment of value The submission electronically is a must requirement with 15 days of sale being deemed final. I, XXXX XXXX, owner of our real property at : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, verified and confirmed public records of the CA, Attorney General 's Office, web page, oag.ca.gov/residential foreclosure, our home is not listed as a Foreclosure Sale of XXXX  California Residential Sales to Eligible Bidders from XX/XX/XXXX to XX/XX/XXXX. Fay Servicing , LLC and their assignees, Investor ; XXXX XXXX XXXX XXXX ( Trustee of XXXX loan ) initiated the Wrongful Foreclosure on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Wrongful Foreclosure, violating my XXXX XXXXXXXX Bankruptcy Automatic Stay and my spouse Bankruptcy XXXX XXXXXXXX Automatic Stay, before the Fraudulent Trustee Sale on XX/XX/XXXX, after XXXX. No written evidence of monetary payment by Fay Servicing and XXXX XXXX XXXX Mortgage of pay off of our loan. This Ongoing SCHEME has cost our minority XXXX family, Irreparable harm and damages, facing Homelessness, financial hardships, due to Fay Servicing, LLC., reputation of deceitful business practice, DUAL TRACKING, while our Acknowledgement of our Complete Loss Mitigation Application on XX/XX/XXXX, XXXX, before the Illegal Fraudulent Trustee Sale on XX/XX/XXXX. An intentional act of Perjury and violations of the Law, Fay Servicing and all of their Fraudulent, assignees continue to violate our Civil Rights and our CA, Homeowners Bill of Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

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 2025-03-13 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
INCORRECT ADDRESSES AND PERSONAL INFORMATION 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 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to dispute a XXXX-related EFT through the online banking platform and could not select the EFT to dispute. I read through the FAQs and the FAQs did not address the topic. I provided feedback through a dialogue box. My only option was to call and to speak to someone. The automated voice prompt system could not understand me and when I did finally make all selections using the dial pad, the customer service center was closed. The last time that I attempted to reach someone through the customer service center, they were not available at XXXX XXXX XXXX XXXX XXXX XXXX. The secured message center is only accessible to read correspondence from BofA and is not received to accept correspondence. I needed somewhere to send a quick message to that would result in someone contacting me. 

I intended to dispute the following transaction : Posting dateXXXX XXXX, XXXX Description XXXX XXXX : PAYMENT ID : XXXX INDN : XXXX XXXX XXXXXXXX XXXX ID : XXXX WEB TypeOther Payment StatusCleared Amount- {$75.00} DescriptionXXXX XXXX : PAYMENT ID : XXXX INDN : XXXX XXXX XXXXXXXX XXXX ID : XXXX WEB Merchant name XXXX Transaction category Cash, Checks & Misc : Other Expenses Print transaction details

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 2025-03-13 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
XXXX XXXX accessed my student records without my consent. He has violated my privacy by accessing my private data through the Department of Education. I am requesting my records be protected and all parties involved be accountable for their actions. 

The Family Educational Rights and Privacy Act of 1974 ( FERPA ) protects the privacy of student records by requiring prior written consent before disclosing personally identifiable information to a third party. It applies to colleges and universities that receive funding from the federal government.

Company response to consumer: Untimely response