vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
I recieved a phone call at XXXX today from XXXX, claiming that they were attempting to arrange a time to have a subpoena served. They claimed that if I called XXXX, they would discuss this with me. When I called them at XXXX, they supplied me with a large amount of information on me and my credit. They said that I will be served a subpoena, but if I accepted to pay the balance of {$2900.00}, the case would be dropped. 
The debt they were referring to was incurred in 2010. I knew of it, but didn't know anything about it being active. They also gave me case no. XXXX. I didn't inquire more information and was scared. I did pay them, but if advised to, I will claim a chargeback.

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 2025-07-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently checking my credit report I notice I've been victim of identity theft and found credit inquires I have no knowledge of here are the list of inquires that I've found : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquiry from my credit report. I have also attached my identity theft report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
Recently checking my credit report I notice I've been victim of identity theft and found credit inquires I have no knowledge of here are the list of inquires that I've found : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquiry from my credit report. I have also attached my identity theft report as well.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: LA

Complaint narrative:
Public Record Dispute Demand Bankruptcy Reporting Violation Public Record in Dispute : U.S. Bankruptcy Court Case No. XXXX Date Filed : XX/XX/XXXX Legal Grounds for Deletion : ( a ) Accuracy and Fairness of Credit Reporting Congress declared : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

[ 15 U.S. Code 1681 ( a ) ( 4 ) ] Violation of Civil Liability for Willful Noncompliance : 15 U.S. Code 1681n Any person who willfully fails to comply with any requirement imposed under this subchapter is liable to the consumer for actual damages or statutory damages ranging from {$100.00} to {$1000.00}. 

Violation of Civil Liability for Negligent Noncompliance : 15 U.S. Code 1681o Any person negligent in complying with this subchapter is liable for actual damages, court costs, and attorneys fees.

Your Failure to Comply : You are furnishing and reporting a Chapter 13 bankruptcy with : No verified liability No court-authenticated documentation No consistent legal naming of the court entity No proof of consumer liability or ownership of assets tied to this case No Metro 2-compliant format US DIST CT and US BKPT CT XXXX XXXX XXXX are not legally recognized court names. These fragmented labels violate Metro 2 standards and show an unverified and improperly coded public record.

Despite multiple disputes, youve failed to reinvestigate this record using actual certified court documents. This violates : FCRA 1681i Failure to reinvestigate disputed information FCRA 1681e ( b ) Failure to ensure maximum possible accuracy Metro 2 CRRG 2020 Violation of reporting format and source validation standards XXXX  Liability Notice : Your agency was compromised during the XXXX Data Breach, and I am a documented victim. Any continued reporting of unverifiable public data constitutes reckless endangerment and willful negligence under federal law. You failed to revalidate this bankruptcy using secure, authenticated sources post-breach. 

Final Demand for Permanent Deletion : If you can not provide the original bankruptcy docket, complete asset schedules, verified discharge documents, and a certified court judgment under my full legal name, you must DELETE this bankruptcy immediately from my consumer file. 

I have sent this notice to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Attorney Generals Office, and the Better Business Bureau ( BBB ). 

Failure to act will result in legal action in Small Claims Court for statutory and actual damages under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: WV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit heath. 
List : XXXX. XXXX : Date Opened : TRANSUNION XX/XX/XXXX EXPERIAN XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX Reported : TRANSUNION XX/XX/XXXX EXPERIAN XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX. XXXX  Date Opened : TRANSUNION XX/XX/XXXX EXPERIAN XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX Last Active : TRANSUNION XX/XX/XXXX EXPERIAN XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: WV

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit heath. 
List : XXXX. XXXX : Date Opened : TRANSUNION XX/XX/XXXX EXPERIAN XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX Reported : TRANSUNION XX/XX/XXXX EXPERIAN XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX. XXXX  Date Opened : TRANSUNION XX/XX/XXXX EXPERIAN XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX Last Active : TRANSUNION XX/XX/XXXX EXPERIAN XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was looking at my credit report and noticed hard inquiries that were not mine on there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AR

Complaint narrative:
I am disputing multiple XXXX student loan accounts inaccurately reporting a 90-day late payment in XX/XX/year>. These accounts show gaps in payment history marked ND ( No Data ) before and after the alleged delinquency. This reporting is inconsistent, unverifiable, and violates FCRA 1681e ( b ), which requires maximum possible accuracy. I have not received documentation proving the validity of these late payments. I am requesting deletion or immediate correction of all inaccurate reporting.

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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase has locked my account now even though I have provided them every single document requested. 

For months now they have harassed me and continued asking me for more and more documents despite me providing EVERY relevant document. My tax returns, trading statements, bank statements, EVERYTHING related to my crypto activity has been provided to them. 

Despite all of this, they have now locked my account and are attempting to stealing my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this complaint because [ Credit Bureau Name ( s ) ] is reporting a bankruptcy on my credit report that is inaccurate and can not be verified. 

The bankruptcy allegedly appears on my credit file with these details : Bankruptcy Case Number : XXXX Court : United States Bankruptcy Court Maryland Reported Filing Date : XX/XX/year>XXXX  I contacted the court listed in the credit report. They confirmed in writing that they do not report bankruptcy records to any credit bureaus. 

I formally disputed this entry with the credit bureau ( s ) and requested documentation proving the accuracy and source of this reporting. They have not provided any evidence or documentation to verify this bankruptcy as required by the Fair Credit Reporting Act ( FCRA ).

This reporting is causing damage to my credit and is in violation of FCRA Section 607 ( b ) ( requirement to maintain accurate records ) and Section 611 ( requirement to reinvestigate disputed information ).

What would you like the company to do to resolve your issue? 

I am requesting the following actions : Immediately delete the unverifiable bankruptcy from my credit report Provide written confirmation that the bankruptcy has been removed Stop any further reporting of 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 non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am wiring to formally dispute certain information in my credit report. I have reviewed my credit file and identified inaccurate information that needs to be corrected or removed in accordance with the Fair Credit Reporting Act. 

The information is incorrect because I paid the target account per the terms of the contract. 

Please complete the investigation within the next 30 days as required by the FCRA and me a written statements of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.

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 2025-07-01 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: FL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX  Balance : {$8000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$320.00} XXXXXXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Koalafi to request the removal of an account from my credit report due to a violation of the Military Lending Act. During the call, I was informed that the account was past due and was advised to make a payment in order to settle the balance. After reviewing the contract with a financial advisor, I noticed that the interest charges were not properly disclosed, which constitutes a violation of the Military Lending Act. This company appears to engage in unlawful business practices that specifically take advantage of military personnel in times of financial need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a late payment reported on my [ credit card/loan ] account : US BANK Account number XXXX Date of Alleged Late Payment : XX/XX/year> Credit Bureau Reporting Error : Marked 30 days late According to 15 U.S.C. 1666b, a creditor is required to credit payments on the same day they are received, assuming the payment is made in compliance with the creditors stated payment instructions and cutoff times.

A creditor shall credit a payment to the consumers account as of the date of receipt of the payment, except when a delay in crediting does not result in a finance or other charge. 

I submitted my payment on time, and I believe it was either improperly posted or credited late through no fault of my own.

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 2025-07-01 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
Recently checking my credit report I notice I've been victim of identity theft and found credit inquires I have no knowledge of here are the list of inquires that I've found : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquiry from my credit report. I have also attached my identity theft report as well.

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 2025-07-01 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: CA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief