vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: NE

Complaint narrative:
I am disputing the reporting practices of XXXX XXXXXXXX XXXX XXXX ( XXXX ), which are causing serious harm to my credit profile. The account in question is currently marked as Open and Current across all three major credit bureaus ( TransUnion, Experian, and Equifax ), yet each bureau reports multiple 30-day late payments, conflicting balances, and inconsistent credit limit information. 
Here are the specific inaccuracies and issues : Late Payments : 2 lates on TransUnion, 3 on Experian, and 2 on Equifax while the account is still reported as current and open. 

Balance Conflicts : {$450.00} ( TU ), {$440.00} ( EXP ), {$410.00} ( EFX ) no consistency. 

Credit Limit Misreporting : Equifax reports a {$0.00} credit limit while TU and EXP show {$820.00} which artificially inflates my utilization rate and lowers my score. 

Payment Amounts Differ : {$26.00} ( TU ), {$51.00} ( EXP ), {$52.00} ( EFX ) no match in terms. 

Inaccurate Last Activity Dates & Reporting Dates these vary by bureau as well. 

Personal Address Inaccuracy : My correct address is XXXX XXXX XXXX, XXXX, XXXX XXXX. Any other address listed on this account is incorrect and a legal violation. 

Violations of Federal Law : FCRA 607 ( b ) : Duty to report information with maximum possible accuracy clearly violated by inconsistent reporting across bureaus. 

FCRA 611 ( a ) : My right to dispute and have inaccurate information corrected or deleted these issues have gone unresolved.

FCRA 602 ( a ) : The purpose of the FCRA is to ensure fair and accurate credit reporting, essential to my financial well-being this account undermines that protection.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishing information known to be inaccurate the credit limit and balance discrepancies indicate this standard is not being upheld.

FCRA 623 ( a ) ( 2 ) : Duty to update and correct inaccurate or incomplete information again violated by the inconsistencies described.

FCRA 623 ( b ) : Duty to investigate disputed information no action has been taken to resolve my concerns. 

Fair Debt Collection Practices Act ( FDCPA ) 807 ( 2 ) ( A ) : If XXXX XXXX XXXX XXXX are acting as their own collectors and misrepresenting the character, amount, or legal status of the debt, this applies too. 

These errors materially harm my ability to access credit by dragging down my score with inflated utilization and inaccurate payment history. Despite the account being current, these late marks are misleading, excessive, and likely automated without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
This serves as a formal notice of continued violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the bankruptcy discharge injunction under 11 U.S.C. 524 ( a ). I am demanding immediate correction of inaccurate and unlawful credit reporting related to my student loan accounts as outlined below. 

On XX/XX/XXXX, I filed for XXXX XXXX XXXX  in the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). My discharge was entered on XX/XX/XXXX, and my student loan accounts were listed in the schedules and served to all creditors. 

Despite this, Transunion, XXXX XXXX XXXXn continue to report the involved accounts with : A derogatory payment history An outstanding balance owed A delinquent or past-due status These entries are legally inaccurate and misleading. They must reflect : Included in XXXX  A balance of {$0.00} No further derogatory payment history after the petition date I have submitted multiple disputes to Transunion, XXXX XXXX XXXX, including : Copies of the official discharge order The complete list of included debts The bankruptcy case docket Each time, your agencies failed to conduct a meaningful investigation as required under FCRA 1681i ( a ). Instead, you returned generic responses that the account had been verified, without reviewing the public court records or correcting the errors. This failure constitutes negligent and/or willful noncompliance under FCRA 1681n and 1681o, as well as a violation of the discharge injunction under federal bankruptcy law.

Your conduct has caused me significant harm : Denial of credit appl
ications Higher interest rates on credit and loans Increased insurance premiums Emotional distress, frustration, and anxiety

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Two charges originating from South Africa were made early in the morning while I was sleeping in Texas. I reported them the next day when I discovered them. After reporting i went on the internet to see if others had experienced this scam and found multiple posts on several forums about people experiencing these same fraudulent charges and many had reported and been denied because it was done through Apple Pay. However, like most of these people, I have other cards in Apple Pay with no fraudulent charges so it appears to be an Apple Card problem. My case hasnt been resolved yet but I am filing pro-actively because of so many others having this obvious scam charge resolved against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date Of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX  account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, several accounts from XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX, an auto loan from XXXX XXXX on XX/XX/XXXX under account number XXXX, a loan from XXXX XXXX  XXXX and XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX under account number XXXX. Inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-10 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: FL

Complaint narrative:
I am disputing a XXXX  XXXX bankruptcy listed by TransUnion and/or Equifax. XXXX  has removed the record, which indicates this may be inaccurate or unverifiable. 

Ive submitted disputes requesting verification, including documentation proving discharge and XXXX clean report. Under FCRA 1681i, information that can not be verified must be removed. 

I requested a Method of Verification, and the bureaus failed to confirm it was verified directly with the original bankruptcy court. 

I am requesting the CFPB to assist in removing this potentially false public record, which is damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : LVNV FUNDING LLC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
Mariner Finance is reporting a charge-off account on my credit report that contains false, misleading, and unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Here are the key problems : The payment history shows OK or on-time payments after the charge-off date, which is factually impossible and creates a materially misleading record of the account. 

The account continues to reflect a balance due, even though it was charged off. A charged-off debt that has been settled, sold, or otherwise resolved should not show as an outstanding balance. 

The account is not marked Closed Charged-Off as required. Instead, it may be incorrectly labeled as Open or Active, which gives a false impression of current obligation.

Any payments made after the charge-off are not being reflected accurately. This is a direct violation of FCRA Section 623, which requires furnishers to report complete and accurate information. 

I previously disputed this tradeline with the credit bureaus, and it was simply marked verified yet no documentation or supporting evidence was ever provided, which violates the FCRAs requirement for a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
On XX/XX/year>, I received a letter from Comenity Capital Bank thanking me for my recent application for a XXXX XXXX XXXX credit card. The letter stated that they needed to hear from me within 14 days in order to complete the application. I never applied for this card.

Just two days after I filed a CFPB complaint regarding that letter, I received another identical letter, this time thanking me for applying for an XXXX XXXX XXXX XXXX  credit card, also issued by Comenity Capital Bank. Once again, I did not apply for this or any credit card through Comenity.

All three of my credit reports are frozen, and I have verified that no hard or soft inquiries have been made on my accounts. There is no fraud involved on my end. These letters appear to be fraudulent marketing tactics, attempts to deceive consumers into calling the bank under the false impression that an application is pending.

This kind of misleading communication is not only unethical but likely violates banking regulations prohibiting the initiation of credit accounts without a consumers consent. It creates confusion, raises concerns about identity theft, and attempts to manipulate consumers into taking action based on false information.

Comenity Capital Banks repeated use of this tactic suggests a systemic problem in their solicitation practices. I request a full investigation into these practices by the CFPB and appropriate regulatory authorities, a written response from Comenity Capital Bank, and confirmation that no accounts have been opened or inquiries made in my name. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Monterey Financial Services LLC
State: NY

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for an invalid collection account reporting on my credit. 

On XX/XX/year>, I went to The XXXX XXXX XXXX for a modeling opportunity. I was offered a service package requiring payment, which I declined due to lack of funds. They offered me a payment plan which I was force to agree too, but I called and canceled the next day before any services were rendered. 

Despite canceling, I later discovered a {$4000.00} collection account from XXXX XXXX XXXX on my credit reports. I never received any services, photos, or deliverables. I believe this debt is invalid, unverified, and damaging my credit profile unfairly. 

I have attempted to dispute this with the credit bureaus and the collection agency but have not received adequate resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On the afternoon of XX/XX/year>, I received a text message from what I thought was Coinbase XXXX ( see photo below ) which was providing me a a verification code of which I did not request. Considering that I had never seen any communication from Coinbase XXXX  in the years that I have had it, I was surprised and concerned. I have been hearing a lot about all of these scams and frauds taking place in the digital currency world and became immediately concerned. I called the number and spoke to what I thought was a representative who asked me a few questions and then transferred me to their fraud team. The person in the fraud department informed me that the transaction had came out of XXXX and he asked me if I knew anybody or was in XXXX, to which I replied no. He then proceeded to explain in a lot of technical jargon that we needed to get the coins moved to a more secure wallet, and he was going to help me every step of the way. To which apparently he did, he helped me to help him to my money. The wallet that it was supposedly moved to was called XXXX, and we went through a series of steps ( see photo below ) to which I believed my money had been moved there. Shortly after the call ended, I went back to look again and low and behold it was gone. I of course immediately called the number back and the person who answered this time said they didnt know what I was talking about.

I then called FBI hotline, reported it, then called Coinbase fraud to report it and they didnt even seem to care.

Immediately after, I received a series of text messages from both my banks ( XXXX, XXXX XXXX ) advising me of suspicious activity on my accounts, so I then had to make sure my accounts were secured. Then a couple days later, I see on XXXX that Coinbase  had a major data breach. I strongly believe that due to the breach, these hackers were able to secure my login credentials because they attempted entry into my bank accounts after that.

The dollar value of the bitcoin on XX/XX/XXXX prior to being stolen, was {$3000.00}, please let me know if additional information is needed in order to help facilitate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 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 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 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 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 XXXXXX/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 2025-07-10 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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