vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VT

Complaint narrative:
I day trade Cryptocurrency on Coinbase. I sold my cryptocurrency for XXXX XXXX dollar on XX/XX/year>, sometime in the afternoon, as I was working and did not have time for trading. The funds were on my Coinbase account. I got home from work and my XXXX dollars ( not XXXX ) were gone from my account amounting to {$4300.00} via bank transfer to XXXX XXXX ( An online bank of which has no phone or physical person support ) on XX/XX/XXXX XXXX. The only details I have regarding who took it is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a reference code from Coinbase : " XXXX ''. The transaction is pending, it sounds like Coinbase is not going to be able to reverse or freeze the payment. I do not know how they got access to my account, I got no notification on my phone or email of someone trying to log in. I have an XXXX XXXX for extra security on the account. I access my account through XXXX and my XXXX computer. I have totally erased the computer in case of malware, as well as ran a XXXX scan. I don't remember clicking on any websites or downloading anything I shouldn't. I never got a scam phone call or anyone asking for my details. I don't know what other details this person has of me that's holding the bank account. Coinbase explained that they are only allowed to talk with law enforcement about details of the crime. I have also contacted XXXX XXXX for assistance in finding the person committing the unauthorized transaction and/or freezing the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-06 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: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I sent off certified letter on XX/XX/year> to the reporting depts collectors sunrise credit services and XXXX XXXX asking for validation on account XXXX also XXXX that competent evidence bearing my signature showing that I have ever had some contractual obligation to pay sunrise credit services and XXXX XXXX thats reporting XXXX account XXXX different times with different account balances.The original creditor XXXX XXXX reported this account as charge off also written off.I never received a 1099-C form which is a Cancellation of Dept or was I notified this dept was being sold off to multiple companies. Under law 15 USC 6802 Obligation with the Respect to disclose of personal information also15 USC 1692e False or Misleading Representation and section 623b Violations of the Fair Credit Act also section 807-8 Violations of the Fair Dept Collection Practices Act.I asked for these two accounts be removed 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 explanation
Consumer complaint received 2025-03-07 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: IN

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to 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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
At Portfolio Recovery Associates , LLC ( " PRA, LLC '' ) we make it easy to start putting this debt behind you Within approximately 30 days of your final payment successfully posting, we will request that the XXXX major credit reporting agencies delete our tradeline related to your account from your credit bureau report. 
*We are not obligated to renew this offer. Your payment must be received by : XX/XX/year> Portfolio Recovery has not provided any requested documentation to prove ownership or financial history of account Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES , LLC ( " PRA, LLC '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Certified letter sent to LVNV funding on XX/XX/XXXX to validate debt. They were given 30 days to respond. They responded back with account information and an account statement from the original creditor. They failed to provide all information that was requested and required to validate this debt. 

On XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX, who is affiliated with LVNV funding stating they are now collecting the debt on behalf of LVNV Funding! 
This is ludicrous and in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had XXXX credit cards with Synchrony bank - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. ; I asked several times in writing for them to close them and they would not do it. Furthermore there was a fraudulent charges on my XXXX card, they eventually rescinded the charges but in the meantime issued a new card in my name & carried over the fraudulent charges that were eventually dismissed. They activated the new card without my permission and then refused to cancel it out ... .. meanwhile, I had some loans taken out and my credit rating was adversely affected by having these XXXX cards which led to me getting hit with higher interest rates which will cost me thousands of dollars in the long run. How will XXXX reimburse me for this??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Experian / TransUnion / Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Experian / TransUnion / Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: SC

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for failing to address my repeated disputes regarding fraudulent and inaccurate information on my credit reports, despite providing all necessary documentation, including an FTC Identity Theft Report, a copy of my identification, and proof of residence. These credit bureaus have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove the disputed items.

The following accounts and inquiries have been improperly reported on my credit file and must be immediately deleted or corrected : Unauthorized Inquiry XXXXXXXX XXXX XXXX Date : XXXXXX/XX/year> ) This inquiry was made without my consent and lacks a permissible purpose, violating XXXX XXXX Code XXXX ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Requested Action : Immediate removal of this inquiry. 
Billing Error XXXX XXXX XXXX Account Number : XXXX ) ** My payments have always been made on time, yet this account is inaccurately reported as delinquent, violating 15 U.S. Code 1666B. 
Requested Action : Correct or update this inaccurate information. 
Reinserted Debt Without Notification XXXX XXXX ( Account Number : XXXX ) ** This debt was reinserted into my credit report without the required notification, violating 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Requested Action : Immediate removal of this account. 
Failure to Complete Reinvestigation in 30 Days XXXX XXXX ( Account Number : XXXX ) ** The credit bureaus have exceeded the 30-day investigation period, in violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Requested Action : Delete this account from my credit report. 
HIPAA Violation United Collection Bureau ( Original Creditor : XXXX XXXX XXXX ) ( Account Number : XXXX ) ** Medical information is being reported on my credit file in violation of HIPAA regulations and FCRA Section 623 ( A ) ( 3 ). 
Requested Action : Delete this account immediately. 
Despite my prior dispute letters, TransUnion, Equifax, and Experian have not taken appropriate action. Their failure to comply is a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: SC

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for failing to address my repeated disputes regarding fraudulent and inaccurate information on my credit reports, despite providing all necessary documentation, including an FTC Identity Theft Report, a copy of my identification, and proof of residence. These credit bureaus have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove the disputed items.

The following accounts and inquiries have been improperly reported on my credit file and must be immediately deleted or corrected : Unauthorized Inquiry XXXXXXXX XXXX XXXX Date : XXXXXX/XX/year> ) This inquiry was made without my consent and lacks a permissible purpose, violating XXXX XXXX Code XXXX ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Requested Action : Immediate removal of this inquiry. 
Billing Error XXXX XXXX XXXX Account Number : XXXX ) ** My payments have always been made on time, yet this account is inaccurately reported as delinquent, violating 15 U.S. Code 1666B. 
Requested Action : Correct or update this inaccurate information. 
Reinserted Debt Without Notification XXXX XXXX ( Account Number : XXXX ) ** This debt was reinserted into my credit report without the required notification, violating 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Requested Action : Immediate removal of this account. 
Failure to Complete Reinvestigation in 30 Days XXXX XXXX ( Account Number : XXXX ) ** The credit bureaus have exceeded the 30-day investigation period, in violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Requested Action : Delete this account from my credit report. 
HIPAA Violation United Collection Bureau ( Original Creditor : XXXX XXXX XXXX ) ( Account Number : XXXX ) ** Medical information is being reported on my credit file in violation of HIPAA regulations and FCRA Section 623 ( A ) ( 3 ). 
Requested Action : Delete this account immediately. 
Despite my prior dispute letters, TransUnion, Equifax, and Experian have not taken appropriate action. Their failure to comply is a direct violation of 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 2025-03-06 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: AL

Complaint narrative:
I came across the cfpb Experian lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 


Come with the receipt XXXX or delete please 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 2025-03-06 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: NC

Complaint narrative:
I am writing to file a formal complaint concerning several inaccuracies on my XXXX ( certified mail # XXXX ), Equifax ( certified # XXXX ) and XXXX ( certified # XXXX ) credit reports that remain unresolved following a dispute directly with the bureau. Despite providing a sworn affidavit and supporting documentation thru certified mail, the following items continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), applicable North Carolina state laws, Metro 2 reporting standards, and other relevant guidelines : XXXX XXXX FCU : This account is reported as a charge-off without proper validation. With a {$0.00} balance, XXXX XXXX standards require that it be updated to Paid as Agreed with an accurate, on-time payment historyor removed if no obligation exists. 

XXXX XXXX XXXX : A charge-off is listed without verifiable documentation. The FCRA mandates that all reported data must be validated with original documentation ; if such validation is absent, the entry should be deleted. 

XXXX XXXX : A collection account is reported without the legally required validation. Under FDCPA and North Carolina law, unverifiable debts must be either fully validated or removed. 

XXXX XXXX : An account that was sold to another lender still appears as a duplicate entry on my credit report. This duplicate reporting is prohibited by the FCRA and should be removed immediately. 

XXXX XXXX This charge-off is reported with an inconsistent balance and lacks proof of proper fee and interest calculations. XXXX requires full transparency ; therefore, an itemized verification must be provided or the account must be deleted. 

This is my first complaint with the CFPB regarding these issues. 
Please investigate this matter and take prompt corrective action. I also request written confirmation of the actions taken.. 

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