vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EdFinancial Services
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to reply to the letter I had received from EdFinancial Services regarding my credit score. I don't appreciate the response because it lacked the answers to the concerns I had in regards to how my credit report was affected to my student loans. I previously stated in my last letter that I did NOT give any written consent to submit my personal information to the credit bureaus. I asked for a detailed explanation of the circumstances and legal basis under which my loan information was shared with the credit bureaus which are considered a third party along with my written consent with it. The mishandling of my student loan account is a direct violation of my rights. 

Under The Fair Credit Reporting Act, 15 U.S. Code 1681, specifically, the account reported by EdFinancial Services -- relating to my student loans -- is inaccurate and misleading and was reported without proper disclosure and authorization. The information on this account, including late payment history does not reflect accurate or complete information and has been reported in violation of FCRA. 

I am not asking for student loan forgiveness, I am asking for proof of my written consent and asking for the immediate removal of the negative items reflecting on my credit report and I demand EdFinancial Services to stop reporting my personal private information. I would like a copy of the policies regarding information sharing and credit reporting for federal student loans. I need to see a copy of any disclosures, notices, or authorizations claimed to have been provided by me regarding the credit reporting. 

I appreciate your immediate attention to this matter and look forward to your prompt response to get this handled quickly. 

Sincerely, XXXX XXXX. 

( Please see attachment below ).

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: TX

Complaint narrative:
Subject : Failure to Delete Improperly Reported Child Support Judgment Violation of FCRA Complaint Details : I am filing a formal complaint against Experian for failing to remove an improperly reported child support judgment from my credit report.

Creditor Name : Texas Office of Attorney General Child Support Division Account Number : XXXX Credit Bureau XXXX : Experian, Equifax, Transunion According to 15 U.S.C. 1681b ( b ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), child support judgments are not credit transactions and can not be reported unless the consumer has given written consent or entered into a contractual agreement that meets the legal definition of a credit transaction. I have never provided such consent or entered into such an agreement.

I first contacted Experian, Equifax, and Transunion and Texas Office of Attorney General Child Support Division on XX/XX/2025 and XX/XX/2025 and formally requested deletion of the account. They have failed to comply within the required timeframe or provide valid justification for reporting this account. This is a clear violation of federal law and is negatively impacting my credit profile. 

Resolution Sought Immediate deletion of this account from my credit report.

Written confirmation of its removal. 
A formal investigation into Experians noncompliance with FCRA regulations.

Please take swift action to enforce compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX

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 information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Several accounts were charged off many months ago. I did not receive any IRS copy of Form 1099-C ( Cancellation of Debt ) or any information from creditors. Accounts are showing as past due and balances owed.

Company response to consumer: Closed with explanation
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: GA

Complaint narrative:
My name is XXXX XXXX. I am filing a complaint regarding a phishing scam that resulted in the theft of cryptocurrency from my Coinbase Wallet. The scam was executed through social engineering, spoofed emails, and SMS messages impersonating Coinbase support staff. 

Key Details : - My real Coinbase email : XXXX - The scam targeted : XXXX ( not tied to my Coinbase account ) - Assets stolen : XXXX XXXX  and XXXX XXXX  - Funds sent from my Coinbase XXXX to scam-controlled wallets - Wallets were activated via Coinbase-processed XXXX  transaction Despite following all security procedures, the scammers tricked me into funding wallets they controlled under the pretense of account verification. I have filed with IC3, documented the entire event in a formal report ( PDF ), and contacted Coinbase, who confirmed the activity but stated they can not reverse it. 

I am requesting : - That Coinbase be required to provide clear consumer protection policies around wallet activations involving phishing schemes - A review of their support and fraud reporting process - Assistance recovering funds where possible Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: GA

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to your credit report. 

This agency is infringing on my consumer rights by using misleading, false, and deceptive tactics. 
I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally filing this complaint against TransUnion and XXXX XXXX XXXX XXXXXXXX. for reporting and maintaining a closed account with multiple technical and legal errors, in violation of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), 1681s-2 ( b ), 1681c, 607 ( b ) The Metro 2 industry reporting standards Pennsylvania state laws : Unfair Trade Practices and Consumer Protection Law ( UTPCPL ) and the Fair Credit Extension Uniformity Act ( FCEUA ) The Dodd-Frank Act UDAAP provisions, due to unfair, deceptive, or abusive practices Issues Identified : XXXX. The account was closed on XX/XX/XXXX, but continues to be reported as Charge-off every month through XX/XX/XXXX. This violates both Metro 2 and the FCRA.

2. A Past Due balance of {$6400.00} is reported alongside the Charged off status, causing double negative impact and confusion for credit scoring models. 
XXXX. The last update date on this account was listed as XX/XX/XXXX, without any new activitythis constitutes illegal re-aging. 
4. TransUnion failed to conduct a reasonable reinvestigation under FCRA 1681i ( a ), as prior disputes did not result in meaningful corrections.

5. These actions also violate Section 5531 of the Dodd-Frank Act, as they are unfair, deceptive, and harmful to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: CA

Complaint narrative:
I am following up on my previous CFPB complaint, which remains under investigation, regarding inaccurate personal information on my Experian credit report. Specifically, my report includes an outdated and incorrect previous address, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, with a reported date of XX/XX/year>. This address is not current and should no longer be associated with my credit profile. Given the potential for data breaches to lead to the unauthorized use of outdated personal information, this error is particularly concerning and must be corrected immediately. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ( b ) and 15 U.S.C. 1681 ( c ) ), Experian is required to ensure the accuracy and completeness of the personal information it reports. This includes removing any outdated or incorrect addresses that are no longer associated with the consumer. Failure to correct these inaccuracies not only violates my rights as a consumer but also exposes me to the risk of identity theft and other forms of financial harm.

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: Midwest Resale Specialist, Inc.
State: MN

Complaint narrative:
Re : Complaint Against Midwest Resale Specialists Midwest Resale Specialists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear CFPB, I am filing a formal complaint against Midwest Resale Specialists for continued collection attempts on a debt that has been charged off and is no longer legally collectible.

I previously mailed Midwest Resale Specialists a cease and desist letter, citing that the original creditor issued a 1099-C formacknowledging cancellation of the debtwhich by IRS standards indicates the debt has been forgiven or discharged. As such, their continued attempts to collect violate my rights under 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act and 15 USC 1681e ( b ) of the Fair Credit Reporting Act, as they are reporting and/or pursuing unverifiable, inaccurate information.

I am requesting that Midwest Resale Specialists provide the assignment contract and forward flow agreement to prove they have the legal right to collect on this debt. If they can not provide this documentation, I am requesting immediate deletion and removal of this collection account from all consumer reporting agencies, as its continued reporting and collection attempts are in violation of federal law.

Please investigate this matter and take appropriate enforcement action. I request written confirmation of the outcome.

Company public response: Company disputes the facts presented in the complaint
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: EQUIFAX, INC.
State: NC

Complaint narrative:
I had the forbearance loan on my students loans until XX/XX/year> the amount of XXXX was added to my credit on XX/XX/year>. I didn't get no letters in the mail.

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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint because, my creditor is reporting late payments on my account beginning in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture, but the late payments remain without proper validation or documentation under 15 USC 1681 S 2. A Furnitures must report accurate information under 15 USC 681 I. The credit bureaus must perform a reasonable investigation within 30 days. Neither of them has provided sufficient evidence to support the negative 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 2025-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Net Pay Advance, Inc.
State: TX

Complaint narrative:
Net pay advance. I am unaware of this dept and did not have the opportunity to dispute this account. If you believe you send proper notification. Please provide by certified mail, with receipt displaying my signature, if not, please delete this account as soon as possible, or I will have to take legal actions.

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: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
* * Subject : Unauthorized Transfer and Inadequate Resolution by Chime Bank * * * * Description of the Issue : * * I am filing this complaint regarding an unauthorized transfer of {$200.00} from my husbands, XXXX XXXX, Chime account ( Account Number : XXXX ) intended for me, XXXX XXXX. The transaction was mistakenly sent to another individual due to an error in Chime 's system. The transfer happened on XX/XX/year>. 

Despite multiple attempts to resolve this issue, including a dispute ( Claim ID : XXXX ) and an appeal, Chime has denied my claim. I have provided documentation from XXXX XXXX XXXX  proving the phone number associated with this transaction is mine. 

* * Steps Taken to Resolve : * * 1. Contacted Chime Banks customer service multiple times. 
2. Submitted a dispute and an appeal with all necessary documentation.

3. Attempted to resolve the issue amicably through formal communication with Chime. 

* * Supporting Documentation : * * - Transaction records XXXX XXXX XXXX XXXX  documentation verifying phone number ownership - Correspondence with Chime Bank

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: GA

Complaint narrative:
XXXX XXXX Auto Balance of {$11000.00} Closed XX/XX/XXXX XXXX  XXXX Balance of {$240.00} Closed XX/XX/XXXX I am filing this complaint because XXXX  XXXX XXXX  and XXXX  XXXX credit card incorrectly reported a late payment for my credit card and auto loan .The payment was made on timemy bank records confirm the payment was submitted XX/XX/XXXX which was before the due date of XX/XX/XXXX I contacted and disputed the error with, but the late payment is still showing on my credit report. 
This incorrect reporting has negatively affected my credit score. I am requesting that the CFPB review this matter and assist in having the late payment removed from my credit report. The payment was made on time, and I have attached my payment records as evidence. Please correct this inaccuracy and update the payment history accordingly.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XX {$1500.00} XXXX XXXX, XXXX XXXX {$1200.00} XXXX XXXX  XX {$1600.00} XXXX XXXX XXXX XXXX XX {$1500.00} XXXX XXXX  XXXX {$960.00} XXXX XXXX  XXXX XXXX  XXXX XXXX {$730.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX SOCIAL SECURITY NUMBERS NOT RECOGNIZED XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing an inaccurate charge-off entry for XXXX ( Account Number : XXXX * * ) * *, dated XX/XX/year>, with a balance of {$0.00}, currently being reported on my TransUnion credit report. This account, despite reflecting a {$0.00} balance, is still being inaccurately reported as a charge-off. This clearly indicates a failure to properly update my account status, resulting in a misleading and damaging entry on my credit report. Such inaccuracies can significantly harm my financial standing, affecting my ability to secure fair credit terms, despite my effort to maintain responsible financial practices. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681i, TransUnion is legally obligated to ensure that all information included in consumer reports is accurate, complete, and properly verified. Given that this account is reported with a {$0.00} balance, maintaining the charge-off status without proper verification is a direct violation of these federal requirements. Such a critical oversight not only undermines the credibility of TransUnions reporting practices but also exposes me to unjust financial harm, including potential denials for credit, higher interest rates, and damaged financial credibility.

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: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Please delete this account. ( LVNV FUNDING LLC ) I mailed the debt collector and ask to verify the account but they did not response to my request within the time request. They were unable to verify the account owners identity and I do not claim this account. 
Please delete the account for inaccurate information.

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
FCRA section 609 requires that information be reported factual and correct. The following are all different on TransUnion, Equifax and Experian. 

Last verified Date reported Date opened Last payment Term Length And Payment history See attached doc for highlighted information that is being reported differently on all 3 reports.

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: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC, I am unaware of this dept and did not have the opportunity to dispute this account. If you believe you send proper notification. Please provide by certified mail, with receipt displaying my signature, if not, please delete this account as soon as possible, or I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I graduated from the University XXXX Alabama in XX/XX/year>. I was able to set up loan repayment arrangements with XXXX XXXX and XXXX XXXX. My XXXX XXXX was above XXXX. At the end of XXXX my XXXX XXXX dropped XXXX points due to XXXX loans from XXXX. I was never contacted about these loans. I never received any mail or email. The email account they had on file has never been associated with me. I paid the balance due the same day my score dropped and have since been making regularly scheduled payments. However, they are not reporting to the credit bureau and my score has not improved. When I call I get differing responses. XXXX in the process of consolidating with another company. This lender seems predatory.

Company response to consumer: Closed with explanation