vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
* * [ XXXX XXXX ] * * * * [ XXXX XXXX XXXX # XXXX ] * * * * [ XXXX ] * * * * [ XXXX ] * * * * [ Date : XX/XX/year> ] * * * * [ Name of Credit Bureau - Experian, XXXX XXXX XXXX XXXX * * * * [ Address of the Credit Bureau ] * * * * Subject : Formal Dispute of Inaccurate Information Due to Identity Theft - XXXX XXXX XXXX  Account # XXXX * * Dear [ Name of Credit Bureau ], I am writing to formally dispute inaccurate information on my credit report related to an account with XXXX XXXX Bank, account number XXXX XXXX XXXX * *. I believe this account was opened fraudulently as a result of identity theft and I am not responsible for this debt. 

I am a victim of identity theft, and I have taken the following steps : * [ * * Check all that apply and provide details where necessary : * * ] * I have filed a police report regarding this identity theft. The report number is : * * [ Insert Police Report Number ] * *, and it was filed on * * [ Insert Date Police Report Was Filed ] * * with the * * [ Name of Police Department ] * *. [ * * Attach a copy of the police report if you have it. * * ] * I have filed a complaint with the Federal Trade Commission ( FTC ). The confirmation number is : * * [ Insert FTC Complaint Confirmation Number ( if applicable ) ] * *, and it was filed on * * [ Insert Date FTC Complaint Was Filed ( if applicable ) ] * *. 
* I have placed a fraud alert on my credit files with all three major credit bureaus. 
* I have placed a security freeze on my credit files with all three major credit bureaus. 

The following information on my credit report related to the XXXX XXXX XXXX account ( account number XXXX XXXX XXXX XXXX XXXX  ) is inaccurate and should be removed immediately : * * * Account Name as Listed : * XXXX XXXX XXXX XXXX  * * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX [ Inaccurate payment history as well. 

I assert that I did not authorize the opening of this account and am not responsible for any associated charges or debts. This fraudulent account is damaging my credit score and causing me significant distress.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and my rights as a victim of identity theft under 15 U.S.C. 1681c-2, I demand that you immediately investigate this fraudulent account and permanently remove all associated negative information from my credit report. 

Please provide me with written confirmation of the removal of this fraudulent information within the timeframe legally required by the FCRA. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
* * [ XXXX XXXX ] * * * * [ XXXX XXXX XXXX # XXXX ] * * * * [ XXXX ] * * * * [ XXXX ] * * * * [ Date : XX/XX/year> ] * * * * [ Name of Credit Bureau - Experian, Equifax, or TransUnion ] * * * * [ Address of the Credit Bureau ] * * * * Subject : Formal Dispute of Inaccurate Information Due to Identity Theft - First XXXX Bank Account # XXXXXXXX XXXX XXXX Dear [ Name of Credit Bureau ], I am writing to formally dispute inaccurate information on my credit report related to an account with XXXX XXXX Bank, account number * * XXXXXXXX XXXX XXXX I believe this account was opened fraudulently as a result of identity theft and I am not responsible for this debt. 

I am a victim of identity theft, and I have taken the following steps : * [ * * Check all that apply and provide details where necessary : * * ] * I have filed a police report regarding this identity theft. The report number is : * * [ Insert Police Report Number ] * *, and it was filed on * * [ Insert Date Police Report Was Filed ] * * with the * * [ Name of Police Department ] * *. [ * * Attach a copy of the police report if you have it. * * ] * I have filed a complaint with the Federal Trade Commission ( FTC ). The confirmation number is : * * [ Insert FTC Complaint Confirmation Number ( if applicable ) ] * *, and it was filed on * * [ Insert Date FTC Complaint Was Filed ( if applicable ) ] * *. 
* I have placed a fraud alert on my credit files with all three major credit bureaus. 
* I have placed a security freeze on my credit files with all three major credit bureaus. 

The following information on my credit report related to the XXXX XXXX Bank account ( account number XXXX XXXX XXXX XXXX XXXX  ) is inaccurate and should be removed immediately : * * * Account Name as Listed : * * XXXX XXXX XXXX * * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  [ Inaccurate payment history as well. 

I assert that I did not authorize the opening of this account and am not responsible for any associated charges or debts. This fraudulent account is damaging my credit score and causing me significant distress.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and my rights as a victim of identity theft under 15 U.S.C. 1681c-2, I demand that you immediately investigate this fraudulent account and permanently remove all associated negative information from my credit report. 

Please provide me with written confirmation of the removal of this fraudulent information within the timeframe legally required by the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-05-13 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:
* * [ XXXX XXXX ] * * * * [ XXXX XXXX XXXX # XXXX ] * * * * [ XXXX ] * * * * [ XXXX ] * * * * [ Date : XX/XX/year> ] * * * * [ Name of Credit Bureau - XXXX Equifax, or XXXX  ] * * * * [ Address of the Credit Bureau ] * * * * Subject : Formal Dispute of Inaccurate Information Due to Identity Theft - First XXXX Bank Account # XXXX * * Dear [ Name of Credit Bureau ], I am writing to formally dispute inaccurate information on my credit report related to an account with XXXX XXXXXXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX  I believe this account was opened fraudulently as a result of identity theft and I am not responsible for this debt. 

I am a victim of identity theft, and I have taken the following steps : * [ * * Check all that apply and provide details where necessary : * * ] * I have filed a police report regarding this identity theft. The report number is : * * [ Insert Police Report Number ] * *, and it was filed on * * [ Insert Date Police Report Was Filed ] * * with the * * [ Name of Police Department ] * *. [ * * Attach a copy of the police report if you have it. * * ] * I have filed a complaint with the Federal Trade Commission ( FTC ). The confirmation number is : * * [ Insert FTC Complaint Confirmation Number ( if applicable ) ] * *, and it was filed on * * [ Insert Date FTC Complaint Was Filed ( if applicable ) ] * *. 
* I have placed a fraud alert on my credit files with all three major credit bureaus. 
* I have placed a security freeze on my credit files with all three major credit bureaus. 

The following information on my credit report related to the XXXXXXXX XXXX XXXX account ( account number XXXX XXXX XXXX XXXX XXXX ) is inaccurate and should be removed immediately : * * * Account Name as Listed : * * XXXX XXXX XXXX * * * Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Inaccurate payment history as well. 

I assert that I did not authorize the opening of this account and am not responsible for any associated charges or debts. This fraudulent account is damaging my credit score and causing me significant distress.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and my rights as a victim of identity theft under 15 U.S.C. 1681c-2, I demand that you immediately investigate this fraudulent account and permanently remove all associated negative information from my credit report.

Please provide me with written confirmation of the removal of this fraudulent information within the timeframe legally required by the FCRA. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent money through XXXX for concert tickets someone was selling. And they claimed that they never received the payment even though i got a confirmation that it was received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-13 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/year>2025, at XXXX, I placed an order for {$670.00} on XXXX using my Coinbase Card, with XXXX as the spending currency. My Coinbase account held XXXX XXXX before the purchase. The order was double-charged for two items, and after contacting Coinbase, they advised me to wait for the charge to bounce back. On XX/XX/year>2025, I received a refund for the double charge, but noticed XXXX XXXX, valued at {$81.00} USD, was missing from my original XXXX XXXX balance.I contacted Coinbase support multiple times to resolve this : On XX/XX/XXXX, I called and was directed to text chat support. I spent three hours with a representative who left the chat abruptly. A second representative confirmed my original balance of XXXX XXXX but instructed me to call the number on my Coinbase Card. The phone representative claimed they couldnt help and redirected me to chat support.In a follow-up chat, a representative named XXXX stopped responding, leaving the issue unresolved.I provided Coinbase with details of the transaction and my account balance, but their support has been unhelpful and inconsistent. The missing XXXXXXXX XXXX appears to result from Coinbases failure to properly process the refund for the double charge. This issue has caused me financial loss and frustration, and Coinbases lack of accountability is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I believe what happened is when XXXX sent over my information to Experien two of my social security numbers were flipped.

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 2025-05-13 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I recently pulled my Experian credit report and noticed that Resurgent Capital Services has pulled my report. I did not consent to having my report pulled by this company nor do I have an account as defined by the FCRA making this pull impermissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX, has the account opened, and delinquent. I was a victim of Identity theft, by forged documents, and forged signatures, to closed my bank accounts, hijack VA benefits checks, and deposit all monies in her account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was repossessed. I picked it up, and later paid it off. I filled out paperwork they sent validating what she did. 
The have me continued late payments, and account opened. XXXX, because I picked up the XXXX  then, paying all fees, and later paid it off completely. 
XXXX XXXX credit reporting is incorrect, and inaccurate. They are not truthfully reporting correctly. The account as been closed for some years. 
I want this deleted. It's been closed, and unfair reporting, and they know this. The VA Appeals Court still has this on the docate for Court when ready. 
XXXX was paid on time, then paid off in full. I see where there are nothing but negative reviews on the company. 
Identity theft by the woman caused the government to stop my pay until the {$27000.00} was paid. She did all those grimy deeds, implicating me while hospitalized. 
I want this deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: DE

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: DE

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-13 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: LA

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ).

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records.

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: LA

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ).

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records.

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

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