vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX, I received an email from Coinbase that indicated I would receive {$10.00} of XXXX if I made a XXXX trade of {$10.00} or more by XX/XX/XXXX. 

At XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I purchased {$12.00} of XXXX on Coinbase as a result of the offer. 

I contacted Coinbase support on XX/XX/XXXX inquiring as to when I would receive the offer. I was advised to wait XXXX business days and to contact customer support if the reward was not received. Customer support indicated that Coinbase was committed to making sure I received the bonus. 

On XX/XX/XXXX, I reached out to Coinbase customer support because I had not received the bonus. XXXX indicated that a technical issue had prevented me from receiving the bonus, but that their team was working to resolve the issue. A case number was issued. 

On XX/XX/XXXX, I reached out to Coinbase for an update. After providing the case number, customer support indicated that I did not receive the bonus because my account was not eligible for it. They did not provide a reason for why my account was ineligible. They indicated that all customers, even those that were ineligible for the bonus, received the email. 

Coinbase ultimately refused to provide the bonus, despite all conditions of the offer being met.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXX XXXXXXXX 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a complaint against EXPERIAN, EQUIFAX, AND TRANSUNION To : Experian XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Formal Request to Remove All Resolved or Outdated Disputes ; Cease and Desist from Unauthorized Data Sharing To Whom It May Concern, I am writing to formally demand, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., that you take the following actions regarding my credit file : Immediately delete all previous or resolved dispute comments, dispute codes, and notations that are no longer valid or exceed the XXXXday dispute investigation period. 
Only the currently active dispute ( XXXX ) filed within the last XXXX days may remain on file. Any outdated, duplicated, or lingering dispute comments must be purged without delay to ensure the accuracy and clarity of my credit file. 
Additionally, this letter serves as a formal cease and desist demand to Experian, Equifax, TransUnion, and any related affiliates, partners, or data resale entities. You are prohibited from furnishing, selling, or transmitting any portion of my personal credit data to secondary bureaus, affiliates, or third-party marketing agencies without my direct, written consent. 

Under FCRA law, you are legally obligated to maintain only accurate and up-to-date information in consumer credit reports. Retaining outdated dispute comments or furnishing my credit data without authorization is a breach of federal law and consumer trust. 

I expect full compliance with this request and written confirmation within XXXX days showing : All outdated or resolved disputes have been removed. 
Only the current XXXXday dispute remains on file. 
You have ceased all unauthorized sharing or selling of my credit file data. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate enforcement authorities. I reserve the right to pursue all legal remedies available for willful noncompliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a complaint against EXPERIAN, EQUIFAX, AND TRANSUNION To : Experian XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Formal Request to Remove All Resolved or Outdated Disputes ; Cease and Desist from Unauthorized Data Sharing To Whom It May Concern, I am writing to formally demand, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., that you take the following actions regarding my credit file : Immediately delete all previous or resolved dispute comments, dispute codes, and notations that are no longer valid or exceed the XXXXday dispute investigation period. 
Only the currently active dispute ( XXXX ) filed within the last XXXX days may remain on file. Any outdated, duplicated, or lingering dispute comments must be purged without delay to ensure the accuracy and clarity of my credit file. 
Additionally, this letter serves as a formal cease and desist demand to Experian, Equifax, TransUnion, and any related affiliates, partners, or data resale entities. You are prohibited from furnishing, selling, or transmitting any portion of my personal credit data to secondary bureaus, affiliates, or third-party marketing agencies without my direct, written consent. 

Under FCRA law, you are legally obligated to maintain only accurate and up-to-date information in consumer credit reports. Retaining outdated dispute comments or furnishing my credit data without authorization is a breach of federal law and consumer trust. 

I expect full compliance with this request and written confirmation within XXXX days showing : All outdated or resolved disputes have been removed. 
Only the current XXXXday dispute remains on file. 
You have ceased all unauthorized sharing or selling of my credit file data. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate enforcement authorities. I reserve the right to pursue all legal remedies available for willful noncompliance. 

Sincerely, 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 2025-06-25 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: FL

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation.

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 2025-06-25 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: NY

Complaint narrative:
Subject : Dispute Related to Social Security Breach under 15 U.S.C. 6801 Dear Credit Bureau, CFPB I am writing to formally dispute inaccuracies in my Social Security account that I believe have resulted from the breach that occurred in XXXX. 

The breach has led to unauthorized access to my personal information, which is a violation of the privacy provisions outlined in 15 U.S.C. 6801. This statute emphasizes the necessity for financial institutions and other entities to safeguard consumers private information and to notify affected individuals in the event of a breach.

As a victim of this breach, I am requesting a thorough investigation into my account and the immediate correction of any discrepancies that may have arisen due to unauthorized access.

Attached are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 


Account Name : XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Name : XX/XX/XXXX Account Number : XXXXXX/XX/XXXX XX/XX/XXXXAccount Name : XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Name : XX/XX/XXXX( Original Creditor :XX/XX/XXXX ) Account Number : XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
Experian Report Error ( s ) : - I have sent written letters directly to Experian via the postal mail service requesting a written response to be mailed to my current address listed above within 14 days of receiving my correspondence, instead I received. 

- I have also requested for all listed addresses be removed as they do not pertain to me at all including addresses I have never been associated with. 

- I have written letters with proof of inaccurate information highlighted on my credit report and have asked for the debt to list accurate information or to remove the listed items immediately. Some information on my credit report with Experian has changed but still reports are inaccurate. In fact, There are XXXX major credit card companies now listed as " open '' and have been charged off with a collection agency listed as closed when I started my dispute process on XX/XX/year>. All creditors/ charge-offs and collections show different information on all major credit reports, such as XXXX, XXXX  and Experian currently. 

-All letters that have been sent included a copy of my driver license, a copy of my Social Security Card along with a current utility bill in my name with my updated address and still received stall letters requesting me to prove my identity without fully investigating all of the inaccurate information on my credit report. 

I initially contacted Experian regarding these inaccuracies on XX/XX/year>, XX/XX/year> and again on XX/XX/year> and followed up multiple times through both letters and phone calls. Despite my efforts, these errors remain unresolved, and the incorrect information continues to appear on my credit report. 

I have enclosed copies of my previous correspondence with Experian and my credit report showing the continued errors, for your reference. The failure of Experian to correct this issue in a timely manner not only violates my consumer rights but also continues to damage my creditworthiness unjustly.

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 2025-06-25 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: CT

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 remarks have been detrimental to my life and credit health.

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 2025-06-25 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-25 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$960.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$960.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX * * * * Balance : {$560.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$570.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Multiple times a week since my funds was stolen with my phone Cash app now closed my account where I can't even check status of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These items are inaccurate, incomplete, and/or the result of identity theft. I request that they be investigated and removed immediately under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-2.

Below are the accounts in question : What? 
XXXX. XXXX XXXX XXXX Account Balance : XXXX This account is fraudulent. I have attached the original theft report confirming that I did not open this credit card. While you removed the fraudulent car loan associated with this incident, this credit card remains on my report. Both accounts were opened electronically and tied to a prior address where I no longer reside. I request immediate removal of this account. 
Dates : XXXX XXXX XXXX. Bankruptcy XXXX XXXX Account Balance : XXXX  XXXX XXXX This account is also fraudulent. After investigation, I discovered that this bankruptcy was never filed. I did not authorize or incur this charge. Please remove this account from my credit report. 
Date : XXXX XXXX XXXX XXXX This account is fraudulent. I have attached the original theft report confirming that I did not open this credit card. While you removed the fraudulent car loan associated with this incident, this credit card remains on my report. Both accounts were opened electronically and tied to a prior address where I no longer reside. I request immediate removal of this account. 

Adresses that are not mine : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I bought a amerixgiftcard for XXXX dollar to buy something on XXXXthey said it didn't work so I bought another one that worked.i thank It was a scam. Anyways they took the money from XXXX card and I think they put a hold on the other. So I can not get it

Company response to consumer: Closed with explanation