vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am filing a formal complaint regarding discrepancies found on my credit reports with Experian, Equifax, and TransUnion concerning the XXXX XXXX account, XXXX. Upon reviewing my credit files, I discovered that this account is inaccurately reported as a late closed account on both my Experian and TransUnion reports with late payment entries for XX/XX/XXXX, despite the payment status being marked as XXXX. The report lists late dates as XX/XX/XXXX - XXXX, which contradicts my actual payment history. I have made timely payments on this account, with no late payment instances. Additionally, on my Equifax report, this account is listed as XXXX XXXX, with erroneous late dates ( XX/XX/XXXX - XXXX ), even though the account is in good standing. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 607 ( b ), which mandates reasonable procedures to ensure accuracy, and FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting from furnishers. I have requested corrections from all three credit bureaus, citing FCRA 623 ( b ), which mandates that furnishers, like XXXX XXXX, investigate and correct errors upon notification. These discrepancies have led to a misrepresentation of my payment history and creditworthiness.

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 2025-11-21 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: CA

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 2025-11-21 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: FL

Complaint narrative:
I am disputing multiple inaccurate and identity-theft related items on my TransUnion credit report. I have attached my FTC Identity Theft Report and supporting documentation. Under the FCRA, TransUnion must block and/or delete information resulting from identity theft and must conduct a reasonable reinvestigation. 
The following accounts are reporting as adverse and are not accurate : XXXX XXXX XXXX XXXX  XXXX ( acct ending XXXX XXXX XXXX XXXX XXXX ) reporting charge-off with a {$910.00} balance. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Card ( acct ending XXXX XXXX XXXX XXXX XXXXXXXX ) reporting sold/charged-off. 
XXXX XXXX XXXX XXXX  ( acct ending XXXX XXXX XXXX XXXX XXXX ) reporting sold/charged-off. 
XXXX XXXX XXXX auto account ( acct ending XXXX XXXX XXXX XXXX XXXX ) reporting sold/charged-off. 
XXXX XXXX XXXX  ( Original Creditor XXXX, acct ending XXXX XXXX XXXX XXXX XXXX XXXX reporting collection with a {$190.00} balance. 
Additionally, I am disputing the following unauthorized hard inquiries which are connected to these accounts and/or were not permitted by me : XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Because these items are inaccurate and/or identity-theft related, I am requesting that TransUnion : Block/delete the accounts and unauthorized inquiries immediately, Provide me with an updated credit report, and Send written confirmation of the results of your reinvestigation.

TransUnions continued reporting of these items is causing ongoing harm. Please investigate and correct my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please check all data To Remove all information that was included in Equifax data breach its causing harm across all XXXX reports because the information report to XXXX bureaus please stop reporting this information and remove and block it which includes the attached evidence that Equifax removed the information and it need the match scores all XXXX reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: LA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Westlake Services, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, I called Westlake Portfolio Management at ( XXXX ) XXXX to inform them that my payment would be late because I was out of work due to XXXX. I did not specify when I would make the payment or when I would return to work. The woman on the call thanked me for calling ahead, put a note on my file, and wished me to get better soon. That was the end of the call. Starting the next day, the calls and communications from Westlake Portfolio Management became relentless : XX/XX/XXXX : I received an email reminding me my payment was due soon, urging immediate payment. 

XX/XX/XXXX : XXXX AM Missed call from ( XXXX ) XXXX. 

XXXX AM Missed international call from XXXX ( XXXX XXXX XXXX XXXX ). 

XXXX PM Missed call from ( XXXX ) XXXX. 

XX/XX/XXXX : XXXX AM Missed call from ( XXXX ) XXXX. 

XXXX AM Missed call from ( XXXX ) XXXX. 

XXXX PM Missed call from ( XXXX ) XXXX. 

XXXX PM Missed call from ( XXXX ) XXXX. 

XX/XX/XXXX : XXXX AM Missed international call from XXXX ( XXXX XXXX XXXX XXXX ). 

Missed call from ( XXXX ) XXXX. 

XX/XX/XXXX : Missed call from ( XXXX ) XXXX. 

XX/XX/XXXX : Missed calls from ( XXXX ) XXXX and ( XXXX ) XXXX. 

XX/XX/XXXX : Missed calls from ( XXXX ) XXXX and ( XXXX ) XXXX. 

XX/XX/XXXX : Missed calls from ( XXXX ) XXXX and ( XXXX ) XXXX. 

XX/XX/XXXX : Missed calls from ( XXXX ) XXXX and ( XXXX ) XXXX. 

XX/XX/XXXX : Missed call from ( XXXX ) XXXX. 

XX/XX/XXXX : Missed calls from ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. 

XX/XX/XXXX : Missed calls from ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. 

XX/XX/XXXX : Missed call from ( XXXX ) XXXX. 

XX/XX/XXXX : Three calls back-to-back at XXXX AM from ( XXXX ) XXXX ; I answered all three but each call was silent. 

XX/XX/XXXX : XXXX silent calls from ( XXXX ) XXXX and XXXX silent calls from ( XXXX ) XXXX. 

XX/XX/XXXX : Missed calls from ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. At this point, I stopped answering calls from numbers I did not recognize. 

XX/XX/XXXX : Missed calls from ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. 

I believe the pattern is clear : I have been receiving calls like this every day, from both domestic and international numbers. I have screenshots and records to prove this. When I did answer, many calls were silent with no one on the line. Additionally, I have received texts and emails from different numbers and addresses. When I attempted to make a payment online, I found that they blocked my ability to do so. Instead, I received an email instructing me to pay by phone or via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled a copy of my consumer report and notified this agency on XX/XX/year> about some items I disputed. XXXX was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to this agency which included a Federal Trade Commission ( FTC ) Identity Theft Report, Better Business Bureau ( BBB ) complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations these agencies perpetrated under the FCRA, while notifying the agency that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records. This agency is in violation of 15 U.S. Code 1681i ( XXXX ), XXXX of XXXX or XXXX XXXX. I noticed this account was removed by Equifax on XX/XX/year> through the Consumer Financial Protection Bureau ( CFPB ), the following account was REINSERTED in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
It is extremely frustrating that these inaccurate late payments continue to stay on my report, and it makes no sense why they have not been removed. I refreshed repeatedly, but nothing changed, and I am demanding that the documents I provided be checked carefully right away so I do not have to keep stressing over this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I am writing to file a formal complaint and request assistance regarding an incident involving Coinbase, where my funds were sent to my Coinbase deposit address but Coinbase refused to provide any form of recovery support despite the funds being verifiably on-chain and under XXXX custody. 

On XX/XX/year>, I transferred XXXX from XXXX to my Coinbase account. 
Due to an unintentional mistake, the transfer was made via the Optimism ( OP ) network to my Coinbase XXXX deposit address, which currently does not support this network. 

Although the funds successfully arrived on-chain at the address controlled by XXXX XXXX refuse to assist, citing unsupported network, even though the assets are verifiably held in an address under their control. 


- Transaction Details TXID : https : XXXX Receiving Address ( XXXX ) : XXXX Amount : XXXX XXXX Network : Optimism ( OP Network )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WA

Complaint narrative:
I previously submitted a dispute regarding numerous inaccuracies appearing on my credit report. After reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX I am submitting this follow-up complaint pursuant to the Fair Credit Reporting Act ( FCRA ) , 15 U.S.C. XXXX et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WA

Complaint narrative:
I previously submitted a dispute regarding numerous inaccuracies appearing on my credit report. After reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX I am submitting this follow-up complaint pursuant to the Fair Credit Reporting Act ( FCRA ) , 15 U.S.C. XXXX et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, Online Information Services furnished a new collection account to my TransUnion credit report. However, I did not receive the initial validation notice required by law until XX/XX/year>, XXXX days AFTER the derogatory mark had already appeared on my credit file. 
Under the CFPB 's Regulation F, specifically 12 CFR Section 1006.30 ( b ), a debt collector is strictly prohibited from furnishing information to a consumer reporting agency BEFORE they have communicated with the consumer or mailed a validation notice. 
The timeline clearly demonstrates that Online Information Services furnished this negative information to the credit bureaus prior to complying with the notice requirements. This constitutes illegal Debt Parking. They damaged my creditworthiness before I was ever given the statutory opportunity to validate or dispute the debt. 
Additionally, they have misclassified this collection account as an XXXX Account, which is factually incorrect for a collection item and further violates the FCRA accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this follow-up complaint regarding certain information on my credit report that I believe to be inaccurate. During my review of my credit profile, I identified discrepancies that do not reflect my true payment history, specifically late payments and inaccurate addresses reported on my XXXX XXXX account, Account XXXX. XXXX, with a reported balance of {$760.00}. 

The reported late payments include XXXX delinquencies in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and the addresses listed on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX incorrect. These inaccuracies misrepresent my financial history, have negatively impacted my XXXX XXXX, and make it harder for me to access financial opportunities. 


Under FCRA XXXX ( a ) ( XXXX ), furnishers have a duty to report accurate and up-to-date information. FCRA XXXX ( b ) requires creditors to thoroughly investigate any disputes, and FCRA XXXX emphasizes that all reported information must be accurate, complete, and fair. The continued reporting of these errors violates these legal protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this follow-up complaint regarding the continued reporting of inaccurate and unverifiable information on my credit reports from Experian, Equifax, and TransUnion, XXXX prior disputes and removal requests. My addresses are incorrectly reported as XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ). Several charge-offs remain on my reports without proper verification, including XXXX XXXX XXXX * * * Balance Owed : {$1400.00} ( Experian ), XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1400.00} ( Equifax ) XXXX XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$1400.00} ( TransUnion ), XXXX XXXX XXXX NA XXXX * * * * * Balance Owed : {$660.00} ( Experian ), XXXX XXXX XXXX * * * * Balance Owed : {$15000.00} ( Experian, Equifax, TransUnion ) XXXX violating FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and CRA 607 ( b ) 15 U.S.C. 1681e ( b ) ) due to absence of supporting documentation such as a XXXX. Collections are also inaccurately reported, including XXXX CRED XXXX * Balance Owed : {$660.00} ( Experian, Equifax, TransUnion ) and XXXX COLLECTION SV XXXX * Balance Owed : {$14000.00} ( Experian, Equifax ) * *, in violation of FCPA 807 15 U.S.C. 1692e, FDCPA 809 15 U.S.C. 1692g, and 605B / 15 U.S.C. 1681c-2. Unauthorized or inaccurate inquiries continue to appear, including CREDIT XXXX BANK NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ), violating FCRA 619 15 U.S.C . 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ), as these inquiries were made without permissible purpose. Despite multiple prior disputes, all of these inaccuracies remain on my credit reports, continuing to cause material harm, misrepresent my creditworthiness, and interfere with my ability to access credit and financial services fairly.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
My credit card company recently lowered my credit limit claiming my credit score had dropped. This explanation is not accurate. My credit score is the same as it was when I was originally approved for this credit card, and my payment history has not changed.

The reduction of my credit limit caused my utilization to increase, which then resulted in my credit score dropping slightly AFTER the limit was reduced. This created harm to my credit profile that was directly caused by the companys decision, not my credit behavior. 

I believe this action was unjustified and based on inaccurate or misleading information. I was not provided with a clear, specific explanation or supporting data to justify the decrease. 

I am requesting : A full written explanation of the exact factors and credit data used to justify this decision Reconsideration and restoration of my original credit limit Confirmation of whether the decision was based on internal risk assessment or external credit reporting data I am filing this complaint because the companys actions negatively impacted my credit standing without valid cause or transparency.

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