vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I was scammed via XXXX. The security specialist XXXX XXXX and CIA agent XXXX XXXX were fake. They told me that my name was involved in XXXX XXXX by hackers and scammers. They told me to pay for the processing fee to clear my name. At this point I realized it was a pure scam when they kept asking for money and money. It did not sit well with me. 

Coinbase has a website that will let you to enter and ask in help center. Somehow, the website was not efficient at this point. So, I called at this number XXXX referred by XXXX XXXX XXXX  via using XXXXXXXX XXXX XXXX  to request to find out what was happening with the wire transfers and gift card transfers to XXXX XXXX XXXX. So, there were no one responding to the call and kept saying go to Help Center on the website. I realized that the customer service was poor. Then I tried to reach XXXX XXXX XXXX, they have a menu which was not straightforward with the customers. They advised me to ask my bank XXXX XXXX XXXX XXXX to recall the wire transfers, then XXXX XXXX XXXX XXXX had no way of finding out about the tracers on the wire transfers and advised me to call back to XXXX XXXX. They kept playing the games round and round again. At least, I made the effort to protect my funds. I decided to freeze Coinbase in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint Summary : I am disputing several accounts on my credit report that I believe are inaccurate or unverifiable. Ive tried to resolve these directly with the credit bureaus and furnishers, but the issues remain. These errors affect my credit and I am requesting your help to ensure they are properly investigated under the Fair Credit Reporting Act ( FCRA ). 

Details : XXXX XXXX XXXX XXXX Multiple charge-off accounts are listed under similar names but show conflicting balances and reporting info. Im unsure which are valid or duplicate. 
Requested Action : Please verify each accounts balance, status, and ownership. If they cant be verified, they should be removed. 

XXXX XXXX  XXXX XXXX XXXX XXXX This account shows a {$7400.00} charge-off. I disputed it before, but no documents or verification were ever given. 
Requested Action : Provide the method of verification and full documentation. If not available, delete the account. 

XXXX XXXX XXXX This shows a charge-off for {$18000.00}. No proof that XXXX still owns or services the debt has been provided. 
Requested Action : Validate ownership and reporting rights. If unverifiable, remove the account. 

XXXX XXXX ( XXXX XXXX ) Charge-off for {$7800.00}. I previously disputed this and got no response or proof. 
Requested Action : If theres no documentation supporting it, it should be deleted. 

XXXX / XXXX XXXX This account is marked as a charge-off and says consumer disagrees. That remark is confusing and not accurate. 
Requested Action : Verify the legitimacy of the remark and the account. If it cant be proven, remove both. 

XXXX XXXX Charge-off with a {$2600.00} balance reported inconsistently across bureaus. No documents have been provided. 
Requested Action : If XXXX cant verify this info or explain the inconsistencies, please remove the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NV

Complaint narrative:
I am requesting the CFPBs immediate intervention regarding an unresolved and unsubstantiated account being reported by XXXX XXXX. On XX/XX/year>, I submitted a formal debt validation request to XXXX. In response, they failed to provide any meaningful proof of the debt. There was no signed agreement, no original billing statements, and no itemized breakdownjust boilerplate language and a recycled account number. 

Even more concerning is their reporting of a {$370.00} overlimit on what was only ever a {$300.00} credit line. This indicates either gross negligence in reporting or potential willful misrepresentation. I do not recall ever being extended a limit beyond {$300.00}, and I believe the reported amount is inaccurate and deceptive. 

This account is damaging my creditworthiness, and XXXX ongoing failure to validate the debt or correct inaccurate information appears to violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am asking the CFPB to compel XXXX Funding to either produce the full, original documentation supporting their claimor remove this account from my credit file entirely. I have exhausted direct communication efforts. Without regulatory enforcement, this inaccurate tradeline will continue to harm me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am the Fiduciary and Attorney-in-Fact for XXXX XXXX XXXXXXXX XXXX XXXXXXXX . I submitted a notarized Durable Power of Attorney to Navy Federal Credit Union months ago, which they rejected without lawful justification. Since then, Navy Federal has continued to process account information and consumer data without my consent or acknowledgment of my fiduciary authority. 

I also discovered that Navy Federal improperly used a previously filed FTC identity theft report ( which I submitted to protect myself ) to apply internal flags, alerts, or fraud designations without verification or any opportunity for me to respond. Navy Federal has continued transmitting these internal designations to third parties, including lenders, despite them not appearing on standard credit bureau reports. 
T

his constitutes unregulated personal consumer reporting activity that is still subject to FCRA oversight. As a result, other lenders have denied credit based on this undisclosed and improper transmission of derogatory information. Additionally, Navy Federal continues to report accounts as charged-off or delinquent, despite the fact that those accounts were closed, resolved, and discharged internally long ago. Reporting resolved accounts in this way is misleading, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ).

I sent Navy Federal a formal Petition, a Cease and Desist, and a demand for record correction, but I have not received any response from their legal department. They have failed to correct or acknowledge my standing, have not removed the improper designations, and have taken no action to fix the inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : SW Credit Systems , LP XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$1000.00} To Whom It May Concern, This letter serves as a formal dispute and demand for full validation of the above-referenced account being reported by SW Credit Systems in my name. I do not acknowledge this alleged debt, and until complete legal documentation is provided, you are to immediately cease all reporting and collection activity.

You are required by law to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501.

Therefore, I demand the following documentation for account # XXXX : The Original Signed Contract or Agreement between myself and the original creditor, bearing my wet signature. No digital forms or prefilled templates will be accepted.

A Binding Agreement that clearly outlines the terms I allegedly agreed to, including how this balance was derived.

A Complete Transactional Flow Sheet that includes all charges, credits, fees, payments, and balance activity from the original creditor.

Proof of Legal Assignment or Ownership, showing chain of custody from the original creditor to SW Credit Systems, including contracts of sale and legal transfer documentation.

Proof that this debt is not beyond the Statute of Limitations in the state of Illinois, along with a full breakdown of activity and dates used in your calculation.

Proof that SW Credit Systems is licensed and authorized to collect in Illinois, including your collection license number and the regulatory agency that issued it.

The full name, department, and contact information of the individual who verified this debt with any credit bureau. 
A sworn statement confirming that XXXX or any other automated verification system was not used, as those methods do not satisfy legal reinvestigation requirements under the FCRA. 
A prior bill or internal statement does not qualify as legal validation. If you are unable to produce every item listed above, you must : Immediately remove this account from XXXX, XXXX, and XXXX Cease all communication and collection efforts Failure to comply within 15 calendar days from the date of receipt of this letter will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Illinois Attorney General Legal action to pursue statutory damages for each violation under the FCRA, FDCPA, and UCC Under UCC 1-308, I reserve all rights without prejudice. This letter is your final and official legal notice to comply. 

Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I put a charge into dispute and got a dispute number - XXXX. 

I asked for an email address but the Chase rep could not provide one. He transferred me to someone else and I was on hold for 30+ minutes.

It transpired that I was being deceived by Chase. I went through 8 minutes of menu options to reach the disputes department ... and I ended up with customer service. The rep did not tell me he was only customer service until I asked for the info I needed to complete my claim. He could not provide it - and transferred me to a number which does not answer.

Under the Fair Credit Billing Act, Chase must provide me with an address for an email address to which to send supporting information. They did not and the rep I spoke with said " they do not have one ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am submitting this complaint against Midland Credit Management for reporting a collection account on my XXXX  report without providing proper verification after my mailed dispute dated XX/XX/year>. 

This debt is allegedly from XXXX XXXX, but I have not received a signed agreement, billing history, or legal documentation showing that Midland Credit owns or has the right to collect on this debt. 

This account is not reporting on XXXX  or XXXX, which shows inconsistency and undermines its accuracy.

Midland Credit is violating : FCRA 1681s-2 ( b ) : Failure to validate the debt after dispute FCRA 1681e ( b ) : Inconsistent and inaccurate reporting FCRA 1681c-2 : I am asserting my right to block unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: AR

Complaint narrative:
I am writing to formally dispute the accuracy of late payment information currently being reported on my credit report. The following accounts are incorrectly reflecting one or more late payments that I believe to be inaccurate or have already been resolved : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$45000.00} These reported delinquencies are negatively affecting my credit score and do not accurately reflect my payment history. I have reviewed my records, and either no payments were missed during the stated periods, or the issues have since been resolved and should no longer be reported as delinquencies. I have previously contacted both the credit reporting agency and the respective data furnishers regarding this matter, but the inaccuracies persist.

Attached are copies of supporting documentation, including screenshots of my credit report and statements verifying my claims. I respectfully request a thorough investigation into these matters and a prompt correction to reflect accurate and timely payment history.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Transunion data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX BANK Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$250.00}

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted formal disputes to TransUnion, Equifax, and Experian regarding inaccurate information being reported on my credit file. I identified the specific accounts in question and outlined the violations impacting my consumer report. It has now been over 30 days, and I have yet to receive a response. Attached are copies of all letters previously sent.

This company is in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ) ( B ) for failing to mark the disputed account as in dispute.

Additionally, FCRA 605 ( c ) has been violated, as the account is reporting the incorrect " date of last activity '' it should reflect the last date a payment was made, not any arbitrary or re-aged date.

Moreover, the company has repeatedly failed to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), further violating consumer rights in accordance with FTC guidance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
Equifax stated they deleted a address that is not mines from my credit report but i still see this address showing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

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 2025-07-23 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: IL

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