vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-06 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-06 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These marks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>XXXX XXXX XXXX  The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have reported inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite previous disputes, Equifax has failed to provide proper validation as required under 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation of disputed information. Under FACTA Title I, Section 151, consumer reporting agencies must ensure that all reported data is accurate, complete, and properly verified. Furthermore, 15 U.S.C. 6801 of the GLBA imposes a duty to protect the accuracy and confidentiality of consumer information, which includes preventing the dissemination of incorrect data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am a Coinbase customer who may have been affected by the XX/XX/year> data breach involving insider support personnel. I have reached out multiple times via Coinbase chat, email ( XXXX XXXX  coinbase.com ), and support channels asking whether my specific account or personal information was compromised. Coinbase has refused to give me a direct yes or no answer, despite legal obligations to disclose breach impact to affected individuals. I have preserved transcripts and records and am requesting enforcement action to compel Coinbase to comply with federal data breach disclosure rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CarMax, Inc.
State: IL

Complaint narrative:
I am updating my prior complaint ( Case No. : XXXX ) against CarMax Auto Finance for unlawful credit reporting and failure to provide required validation documentation. 

CarMax acknowledged the Date of First Delinquency ( DOFD ) as XX/XX/XXXX, and claim the account was charged off in XX/XX/XXXX, yet they continue to report account updates, charges, and balances through XXXXXXXX which is a violation of FCRA 605 ( c ). 

They also failed to provide the required documentation under FCRA 609, including : A copy of the original signed contract Itemized, verifiable proof of how balances and fees were calculated. 

An explanation of the post-charge-off balance activity. 

The document they provided is a data spreadsheet, not proof of legal ownership, obligation, or accuracy. Furthermore, their continued monthly balance updates mislead lenders and negatively impact my score with re-aged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I am writing to refile my complaint to CONTRACT CALLERS INC regarding the unresolved fraudulent account still appearing on my credit report. Despite multiple dispute letters and the attached FTC Identity Theft Report ( Report Number : XXXX ), these inaccuracies remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and correct inaccurate or incomplete information within 30 days of receiving a dispute. To date, this obligation has not been fulfilled, and your inaction continues to harm my reputation and financial standing. I request the immediate removal of the fraudulent account listed in my prior disputes, as they violate my rights under the FCRA. Additionally, I ask that you provide a detailed explanation if you determine the items are accurate. Please note that failure to resolve this matter will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. Thank you for your urgent attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
Continuous all day calls from XXXX and XXXX area codes by Oliphant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint Unauthorized Credit Inquiries Without My Wet Signature Immediate Investigation and Removal Requested Dear CFPB Complaint Review Team, I am submitting this formal complaint to report multiple unauthorized hard inquiries that appear on my credit reports. These inquiries were made without my knowledge, consent, or prior written authorization containing my wet signature, as required by federal law. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for credit transactions when the consumer has authorized the inquiry in writing. Furthermore, under FCRA 604 ( a ) ( 2 ), any hard inquiry made without my express written consent is a violation of federal law. 

The following hard inquiries were unauthorized, and I demand their immediate deletion unless the credit bureaus and the companies listed below can produce documented proof bearing my wet signature : Unauthorized Inquiries : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX ( duplicate ) These entities had no permissible purpose to access my credit profile, and I never authorized themexplicitly or implicitlyto conduct a credit check. 

Action Requested : I request the CFPB to immediately investigate the above inquiries.

Demand the involved bureaus to produce proof of a signed authorization ( wet signature ) for each inquiry.

If no such documentation can be produced, I request that the inquiries be permanently deleted from my credit reports and that all parties involved be notified of this action.

I further request confirmation of this complaint and the resolution.

Any failure to comply may constitute willful noncompliance with the FCRA and could result in formal legal action.

Thank you for your prompt attention to this serious matter. Please keep me informed of all actions taken.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
Subject : Formal Complaint Unauthorized Credit Inquiries Without My Wet Signature Immediate Investigation and Removal Requested Dear CFPB Complaint Review Team, I am submitting this formal complaint to report multiple unauthorized hard inquiries that appear on my credit reports. These inquiries were made without my knowledge, consent, or prior written authorization containing my wet signature, as required by federal law. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for credit transactions when the consumer has authorized the inquiry in writing. Furthermore, under FCRA 604 ( a ) ( 2 ), any hard inquiry made without my express written consent is a violation of federal law. 

The following hard inquiries were unauthorized, and I demand their immediate deletion unless the credit bureaus and the companies listed below can produce documented proof bearing my wet signature : Unauthorized Inquiries : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX ( duplicate ) These entities had no permissible purpose to access my credit profile, and I never authorized themexplicitly or implicitlyto conduct a credit check. 

Action Requested : I request the CFPB to immediately investigate the above inquiries.

Demand the involved bureaus to produce proof of a signed authorization ( wet signature ) for each inquiry.

If no such documentation can be produced, I request that the inquiries be permanently deleted from my credit reports and that all parties involved be notified of this action.

I further request confirmation of this complaint and the resolution.

Any failure to comply may constitute willful noncompliance with the FCRA and could result in formal legal action.

Thank you for your prompt attention to this serious matter. Please keep me informed of all actions taken.

Sincerely,

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 2025-06-06 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
At the time the XXXX ' and XXXX XXXX XXXX signed their contract for the timeshare property known as XXXX, the understanding was that the XXXX family was signing a loan contract. In exchange for monthly payments, the XXXX family would have access to the timeshare property during their scheduled week or they would be able to exchange the week with XXXX to travel to another location. Due to unforeseen circumstances, the XXXX family was unable to maintain monthly payments and the timeshare property owner foreclosed on the loan. The frustration comes that XXXX XXXX XXXX has reported to one of the three major credit bureau that this was a mortgage. Additionally, on my credit report the account balance shows that their is no money to be paid and the balance is XXXX but while my wife and I have been attempting to purchase a home, multiple lenders have seen this exact same account listed a revolving loan with an outstanding balance of more than {$10000.00}! I have sent countless documents to the credit bureau only for them to tell me that they have conducted an " investigation '' and the findings were confirmed.

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