vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by the credit bureau on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place unauthorized accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. The credit bureaus has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) .The credit bureau is flagrantly disregarding consumer protection statutes. I did not receive any notice from unauthorized accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that the credit bureau remove these account 's from my credit report and cease all collection efforts immediately.

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 2025-04-26 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by the credit bureau on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place unauthorized accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. The credit bureaus has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) .The credit bureau is flagrantly disregarding consumer protection statutes. I did not receive any notice from unauthorized accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that the credit bureau remove these account 's from my credit report and cease all collection efforts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
I am submitting this complaint to EXPERIAN regarding inaccurate information on my credit report that has not been validated, certified as accurate, or physically verified. 

I have identified potentially erroneous and questionable entries on my credit file that have not been properly verified. As a consumer, I am entitled to request the immediate removal of these entries in accordance with my federal and state consumer rights. This complaint also serves as a reminder to ensure that the items reported to you adhere to the requirements outlined in FACTA Title 1, Section 151, which specifies the procedures for handling such matters. 
XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * * * Balance Owed : {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$5000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX * * Balance Owed : {$590.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * * * Balance Owed : {$14000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX * * * * * Balance Owed : {$3300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$430.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance Owed : {$650.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$620.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX * * * * * Balance Owed : {$3300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * * Balance Owed : {$2500.00} Date Opened : XX/XX/XXXXXXXX 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 2025-04-26 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: DC

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested XXXX  months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-04-26 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-04-26 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:
I am disputing the incorrect reporting of a student loan account by DEPT OF EDXXXX . I paid or had {$30000.00} forgiven, but my credit report shows the account as open with an outstanding balance of {$32000.00}. This is inaccurate. I request that my account be updated to show a {$0.00} balance and marked as " Paid '' or " Forgiven '' immediately. I am also requesting removal of any duplicate XXXX loan entries that are inflating my debt total unfairly. 


On -- -- ( XXXX XXXX, Experian ) What Is Incorrect on Your Credit Report? 

DEPT OF ED XXXX XXXX XXXX ( {$30000.00} Paid/Forgiven ) I already paid or had forgiveness for {$30000.00}, but your report still shows a high balance ( {$32000.00} ). 
It is incorrectly listed as open with payments deferred, not paid/forgiven. 

Duplicate Entries of DEPT OF ED XXXX XXXXXXXX Loans Multiple XXXXXXXX loans may be reported several times, showing different balances and opened dates, causing confusion and inflated debt appearance. 
Some of these might be old loans that are paid and closed, but still appear open or unpaid. 

Possible Impact : Your total balance looks higher than it should. 
Your debt-to-income ratio and overall credit health are negatively affected. 
You could be denied credit, cars, housing, or loans because of the inaccurate reporting.

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 2025-04-26 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:
I am disputing the incorrect reporting of a student loan account by DEPT OF EDXXXX XXXX I paid or had {$30000.00} forgiven, but my credit report shows the account as open with an outstanding balance of {$32000.00}. This is inaccurate. I request that my account be updated to show a {$0.00} balance and marked as " Paid '' or " Forgiven '' immediately. I am also requesting removal of any duplicate XXXX loan entries that are inflating my debt total unfairly. 


On -- -- ( TransUnionXXXX XXXX XXXX ) What Is Incorrect on Your Credit Report? 

DEPT OF ED XXXX XXXX XXXX ( {$30000.00} Paid/Forgiven ) I already paid or had forgiveness for {$30000.00}, but your report still shows a high balance ( {$32000.00} ). 
It is incorrectly listed as open with payments deferred, not paid/forgiven. 

Duplicate Entries of DEPT OF ED XXXX XXXXXXXX Loans Multiple XXXX loans may be reported several times, showing different balances and opened dates, causing confusion and inflated debt appearance. 
Some of these might be old loans that are paid and closed, but still appear open or unpaid. 

Possible Impact : Your total balance looks higher than it should. 
Your debt-to-income ratio and overall credit health are negatively affected. 
You could be denied credit, cars, housing, or loans because of the inaccurate reporting.

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 2025-04-26 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: CA

Complaint narrative:
I am disputing the incorrect reporting of a student loan account by DEPT OF EDXXXX XXXX I paid or had {$30000.00} forgiven, but my credit report shows the account as open with an outstanding balance of {$32000.00}. This is inaccurate. I request that my account be updated to show a {$0.00} balance and marked as " Paid '' or " Forgiven '' immediately. I am also requesting removal of any duplicate XXXX loan entries that are inflating my debt total unfairly. 


On -- -- ( XXXX Equifax, XXXX  ) What Is Incorrect on Your Credit Report? 

DEPT OF ED XXXX XXXX XXXX ( {$30000.00} Paid/Forgiven ) I already paid or had forgiveness for {$30000.00}, but your report still shows a high balance ( {$32000.00} ). 
It is incorrectly listed as open with payments deferred, not paid/forgiven. 

Duplicate Entries of DEPT OF ED XXXX XXXXXXXX Loans Multiple XXXX loans may be reported several times, showing different balances and opened dates, causing confusion and inflated debt appearance. 
Some of these might be old loans that are paid and closed, but still appear open or unpaid. 

Possible Impact : Your total balance looks higher than it should. 
Your debt-to-income ratio and overall credit health are negatively affected. 
You could be denied credit, cars, housing, or loans because of the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Dear Officer, I am XXXX XXXX XXXX, I am a citizen of the XXXX XXXX XXXX. I am contacting you to provide information about a serious fraud case using the name Coinbase and to request that the necessary procedures be initiated. 

In XX/XX/year>, I was scammed under the name of " cryptocurrency investment '' by being referred to fake investment platforms. During the fraud activity in question, it was stated that my winnings would be sent to me through the Coinbase platform. This statement was used to increase my trust in scammers, and I was even contacted with a fake account called Coinbase CEO XXXX XXXX. Of course, I realized later that this person is not really your CEO. 

In this case, the name Coinbase was abused to provide trust and instill confidence in investors. This process, initiated by XXXX XXXX, was started by infiltrating a XXXX group called " XXXX XXXX '' and turned into an international fraud chain. 

I lost about XXXX USD in total. 

My request from you : 1. Identify IP, account, connection or transaction information that you may have about this fraudulent activity using the name Coinbase, 2. If necessary, you cooperate with the relevant Turkish authorities, 3. It is for you to contact me to inform me if there is any action that can be taken regarding this event. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Your Full Name ] [ Your Current Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Request to Update Personal Information on My Credit Report Dear [ Equifax/Experian/TransUnion ], I am writing to formally request an update to the personal information listed on my credit report. Below is the correct information that should be reflected : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : [ XX/XX/year> Social Security Number ( Last 4 Digits ) : XXXX Phone Number : [ XXXX ] Please remove or correct any outdated or inaccurate information such as former names, incorrect addresses, or old contact numbers.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Your Full Name ] [ Your Current Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Request to Update Personal Information on My Credit Report Dear [ Equifax/Experian/TransUnion ], I am writing to formally request an update to the personal information listed on my credit report. Below is the correct information that should be reflected : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : [ XX/XX/year> Social Security Number ( Last 4 Digits ) : XXXX Phone Number : [ XXXX ] Please remove or correct any outdated or inaccurate information such as former names, incorrect addresses, or old contact numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
I am submitting this complaint to EXPERIAN regarding inaccurate information on my credit report that has not been validated, certified as accurate, or physically verified. 

I have identified potentially erroneous and questionable entries on my credit file that have not been properly verified. As a consumer, I am entitled to request the immediate removal of these entries in accordance with my federal and state consumer rights. This complaint also serves as a reminder to ensure that the items reported to you adhere to the requirements outlined in FACTA Title 1, Section 151, which specifies the procedures for handling such matters. 

XXXX XXXX * * * * Balance Owed : {$55.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * Balance Owed : {$2400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX INQ : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-26 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: PA

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with your lack of response to my previous complaints submitted on XXXX separate occasions. Despite my repeated attempts to address serious issues concerning my credit report, I have yet to receive any acknowledgment or resolution from your office, TRANSUNION, EQUIFAX, EXPERIAN I am currently a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and subsequently reported on my credit file. Additionally, I have noticed collections appearing on my report that I did not authorize. These inaccuracies are significantly affecting my credit standing and causing me considerable distress. The Fair Credit Reporting Act ( FCRA ) entitles me to a prompt and thorough investigation of any disputed information on my credit report. Your continued failure to respond not only violates these rights but also exacerbates the financial and emotional toll of the identity theft I am experiencing.

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 2025-04-26 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: DC

Complaint narrative:
I recently reviewed a copy of my credit report and it was fraudulent activity. please remove these accounts from my report. They are hurting my ability to obtain 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 2025-04-26 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 respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with 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