vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-17 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-17 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: AZ

Complaint narrative:
I am disputing the reporting of personal information on my credit report that is not mine. The information being reportedwhether it is a name, Social Security number variation, date of birth, phone number, or any other identifying detailis inaccurate and does not belong to me. This false information is misleading, potentially harmful, and may indicate identity theft or reporting errors.

Under the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and the permanent removal of all unknown or unverifiable personal information from my credit file. Continuing to report inaccurate data is a violation of my consumer rights under federal law.

I demand prompt correction of these inaccuracies and written confirmation once the false personal information has been deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received XXXX  on XXXX. I sold it and my funds are now being held for no reason. It is a larger amount than what I've sold in the past but it's mine. They charged a huge fee and now I can't even use my money. I have bills to pay and needed that sell to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 transferred total {$35000.00} value of XXXX during XX/XX/2025 and XX/XX/2025 to a XXXX XXXX platform : XXXX XXXX. 
COINBASE just let all the transaction go smoothly. 
While my friend attempted to use XXXXXXXX XXXX XXXX to transfer XXXX to the same XXXX XXXX wallet account, XXXX blocked the transaction and said the wallet account is scam. 

I complained this to COINBASE, but COINBASE simply asked me to be careful in transaction and to contact legal institutions and their security team. They claim they will co-work with legal institutions, but actually legal institutions did not even respond. 

I questioned them what measures they have taken to protect clients in blocking scam wallet, they did not really answer. Actually, their customer service did not even bother to know which wallet is a scam, or escalate my case in order to protect other clients from transferring to the same wallet. 

While XXXX XXXX XXXX already blocks the scam wallet, COINBASE is still ignorant. 

==> I want to complain COINBASE 's ignorance in protecting clients from potential scam transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/XXXX Office of the Attorney General, XXXX XXXX XXXX, XXXX, TX XXXX Subject : Complaint Against TransUnion for Deceptive Business Practices Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion regarding its continued use of deceptive business practices, specifically pertaining to the reinsertion of previously deleted or inaccurate account information on consumer credit reports. This conduct appears to violate provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus maintain accurate records and conduct reasonable reinvestigations of disputes. 

TransUnion has been the subject of numerous lawsuits, including class-action suits, for these very practices. A notable example is the case of XXXX XXXX XXXX XXXXXXXX Trans Union XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX, where a Wisconsin resident accused TransUnion of violating the FCRA by reinserting deleted information into their credit report. After a disputed item was removed, it reappeared without justification. This case highlights the serious implications of TransUnion 's actions, which undermine consumer trust and violate federal regulations. 

Moreover, FCRA violations occur when a credit reporting agency ( CRA ) provides consumer credit reports without a permissible purpose, as outlined in section 604 ( f ). This includes situations where a report is accessed without the consumer 's written consent or for reasons that do not align with legitimate business needssuch as a consumer-initiated transaction or a court order. XXXX failure to adhere to these guidelines raises significant concerns about their compliance with the law. 

Additionally, TransUnion has faced other lawsuits and complaints related to similar deceptive practices, further emphasizing a pattern of behavior that disregards consumer rights and regulatory standards. These actions not only harm individual consumers but also erode the integrity of the credit reporting system as a whole. 

Given the severity of these issues, I urge your offices to investigate XXXX practices and take appropriate action to ensure compliance with the FCRA. Consumers deserve transparency and fairness in the credit reporting process, and it is crucial that agencies like TransUnion are held accountable for their actions. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the steps that will be taken to address these concerns. 

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 non-monetary relief
Consumer complaint received 2025-09-17 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: TN

Complaint narrative:
I am filing this complaint against Experian for knowingly reporting inaccurate, incomplete, and unverifiable information on my consumer credit report, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, 1681e ( b ), 1681c, 1681s-2 ). Despite multiple disputes, Experian continues to respond with generic verified or updated statements, without producing the legally required documentation from the original creditor. 
The following accounts are being reported unlawfully : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX Unverifiable debt ; no signed contract, no original creditor validation. 
Violation : FCRA 1681i ; FDCPA 809 ( b ). 
XXXX XXXX Acct # XXXX Charged off, repetitive reporting with no proof of accuracy. 
Violation : FCRA 1681i ; FCRA 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX Acct # XXXX Final payment XX/XX/XXXX, but Experian reports it as charged-off in XXXX, which is re-aging. 
Violation : FCRA 1681c ( a ) ( 4 ) ; FCRA 1681s-2 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX  Acct # XXXX Charged off, no payments since XXXX, no validation or complete history. 
Violation : FCRA 1681i ; FDCPA 809 ( b ). 
XXXX XXXX  Acct # XXXX Authorized user only ; I am not legally liable. 
Violation : FCRA 1681b ; FCRA 1681e ( b ).

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 2025-09-17 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: AZ

Complaint narrative:
I am filing this complaint because Experian continues to report inaccurate and unauthorized information on my credit file despite multiple previous disputes. Specifically, my Experian credit report lists a XXXX XXXX account ( Acct # XXXX ) as a charge-off with a {$0.00} balance. This information is both inaccurate and unverifiable. Additionally, my report contains several unauthorized hard inquiries, including from the following entities : XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) These items have been disputed directly with Experian, but instead of conducting a proper reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ), Experian responded with a generic letter requesting identity theft documentation, which is not relevant to my dispute. My dispute is based on inaccuracy, unverifiable reporting, and unauthorized inquiries, not identity theft. Under FCRA 607 ( b ), Experian has an obligation to ensure maximum possible accuracy in the information it reports. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information, like XXXX XXXX, are prohibited from reporting inaccurate or unverifiable information. Despite this, Experian has failed to conduct a meaningful reinvestigation of the issues I raised. I have also filed an FTC complaint regarding these matters, which I am attaching to this submission. Experians continued failure to resolve these issues is causing me significant harm, and I am requesting the assistance of the CFPB to ensure compliance with the 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 2025-09-17 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:
I am filing this complaint against Equifax, Experian, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), including failure to maintain accurate records, failure to conduct a reasonable reinvestigation, and failure to provide the required method of verification. 

After obtaining my credit report from XXXX, I identified multiple inaccuracies in both my personal information and account tradelines. Despite submitting disputes with proper identification and documentation, the bureaus have failed to correct the errors or provide adequate responses. Instead, they have issued generic verified letters without meeting their statutory obligations under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

Disputed Items Include ( but are not limited to ) : Incorrect Personal Information : Outdated addresses ( XXXX XXXX XXXX XXXXXXXX TX ; XXXX XXXX XXXX, XXXX MI ) and incorrect employer ( XXXX XXXX  ). 

Collections : XXXX XXXX XXXX ( Acct : XXXX ), XXXX XXXX XXXX ( Acct : XXXX ), XXXX XXXX XXXX ( Acct : XXXX ). 

Charge-Offs / Late Payments : XXXX XXXX XXXX XXXX XXXX Acct : XXXX ), XXXX ( Acct : XXXX ), XXXX XXXX XXXX ( Acct : XXXX ) XXXX XXXX ( Acct : XXXX ). 

These tradelines and personal identifiers are reporting inaccurately and/or can not be verified as required by law. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or inaccurate data must be corrected or deleted entirely.

Violations by the Bureaus : Failure to follow reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ).

Failure to conduct a reasonable and good-faith reinvestigation ( 1681i ( a ) ( 1 ) ).

Failure to provide a clear method of verification, including the name and contact of parties who verified the accounts ( 1681i ( a ) ( 7 ) ).

Failure to provide a full file disclosure, including all data, inquiries, and certifications as required under 1681g.

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 2025-09-17 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:
I am filing this complaint against Equifax, Experian, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), including failure to maintain accurate records, failure to conduct a reasonable reinvestigation, and failure to provide the required method of verification. 

After obtaining my credit report from XXXX, I identified multiple inaccuracies in both my personal information and account tradelines. Despite submitting disputes with proper identification and documentation, the bureaus have failed to correct the errors or provide adequate responses. Instead, they have issued generic verified letters without meeting their statutory obligations under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

Disputed Items Include ( but are not limited to ) : Incorrect Personal Information : Outdated addresses ( XXXX XXXX XXXX XXXXXXXX TX ; XXXX XXXX XXXX, XXXX MI ) and incorrect employer ( XXXX XXXX  ). 

Collections : XXXX XXXX XXXX ( Acct : XXXX ), XXXX XXXX XXXX ( Acct : XXXX ), XXXX XXXX XXXX ( Acct : XXXX ). 

Charge-Offs / Late Payments : XXXX XXXX XXXX XXXX XXXX Acct : XXXX ), XXXX ( Acct : XXXX ), XXXX XXXX XXXX ( Acct : XXXX ) XXXX XXXX ( Acct : XXXX ). 

These tradelines and personal identifiers are reporting inaccurately and/or can not be verified as required by law. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or inaccurate data must be corrected or deleted entirely.

Violations by the Bureaus : Failure to follow reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ).

Failure to conduct a reasonable and good-faith reinvestigation ( 1681i ( a ) ( 1 ) ).

Failure to provide a clear method of verification, including the name and contact of parties who verified the accounts ( 1681i ( a ) ( 7 ) ).

Failure to provide a full file disclosure, including all data, inquiries, and certifications as required under 1681g.

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 2025-09-17 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am submitting this complaint regarding an unresolved and inaccurate late payment history being reported by Equifax for a XXXX XXXX, XXXX. account ending in XXXX, opened on XX/XX/XXXX. Despite previous disputes, Equifax continues to report a series of late payments on this account, specifically marked as 30 days late in XXXX XXXX 60 days late in XXXX XXXX  90 days late in XX/XX/XXXX, and 120 days late in both XX/XX/XXXX and XX/XX/XXXX. These entries are inaccurate and have had a negative impact on my credit standing. Whats especially concerning is that this late payment history appears only on my Equifax report and not on my XXXX  or XXXX  reports, which clearly suggests inconsistencies in the data being reported. Under 15 U.S. Code 1666, I have the right to the correction of billing errors, and under FCRA 611 ( 15 U.S.C. 1681i ), Equifax is legally obligated to conduct a reasonable reinvestigation of any disputed information. Furthermore, under FCRA 623 ( a ) ( 2 ), furnishers such as XXXX XXXX must correct or update any information they knowor should knowis inaccurate. Equifaxs failure to correct these false late payment notations constitutes a violation of its duty under FCRA 607 ( b ) to maintain the maximum possible accuracy of information in consumer reports. Despite providing sufficient grounds for review, Equifax has continued to report this false payment history, causing ongoing harm and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
XXXX'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this follow-up to ensure my dispute with Equifax is properly addressed. I previously challenged several inaccurate and unverifiable accounts and inquiries on my credit report, including entries from XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. These are being reported as charge-offs or profit/loss without the issuance of a required Form 1099-C for debts exceeding {$600.00}, which makes the reporting misleading and inaccurate. In addition, there are inquiries and accounts appearing without permissible purpose, which is a violation of FCRA 604. 
Equifax responded by labeling my dispute as frivolous and refusing to reinvestigate. This response is improper. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation unless the dispute clearly qualifies as frivolous. Under FCRA 611 ( a ) ( 7 ), Equifax must also provide a specific explanation of why the dispute was deemed frivolous. Their correspondence failed to provide such an explanation, leaving me without clarity or due process.

Furthermore, FCRA 611 ( a ) ( 2 ) requires Equifax to forward all evidence I provided to the furnishers for review. I have not been given any assurance that this step was completed. Finally, under FCRA 611 ( a ) ( 5 ) ( A ), information that can not be verified must be deleted. Despite this requirement, the disputed accounts and inquiries remain on my file.

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 2025-09-17 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX Account number : XXXX Date Opened : XX/XX/year> Balance : {$42000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: DE

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 explanation
Consumer complaint received 2025-09-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with non-monetary relief