vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Dear XXXX Re : Request for Removal of Unauthorized/Inaccurate Hard Inquiries Under 15 U.S.C. 1681n This letter serves as formal notice of unauthorized and/or inaccurate hard inquiries on my credit report. I am requesting the immediate removal of these inquiries pursuant to 15 U.S.C. 1681n, which provides for damages and relief for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

* Details of the Inquiries to be Removed : * - Account Name : XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX - Creditor 's Name : XXXX XXXXXXXX XXXX XXXXXXXX  - Date of Inquiry : XX/XX/XXXX - Account Name : XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX - Account Name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX - Account Name : XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX These inquiries were unauthorized and/or inaccurately reported. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit bureaus are required to conduct a reasonable investigation and correct or delete disputed information that can not be verified. 


15 U.S.C. 1681n provides for civil liability for willful non-compliance with the FCRA, including failure to adhere to reinvestigation requirements under 1681i. Failure to remove these unauthorized inquiries will result in further action.

I request : 1. Immediate removal of the listed hard inquiries from my credit report.

2. Confirmation of this removal in writing.

3. A copy of my updated credit report reflecting this correction. 

Sincerely, XXXX XXXX cc : [ Optional : Relevant regulatory bodies or consumer protection agencies, if desired ] ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and delete the enclosed disputed items. Ive included a list of the accounts and a copy of my Identity Theft Report filed with the FTC. 

Please investigate and confirm in writing once the corrections have been made. Thank you for your prompt attention.

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 2025-05-27 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XXXX AUTO XX/XX/XXXX Experian

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 2025-05-27 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: IN

Complaint narrative:
I am requesting the removal of fraudulent accounts and inquiries from my credit report due to identity theft. In accordance with Section 605B of the Fair Credit Reporting Act, I ask that all unauthorized items be blocked and deleted. I have included a list of the disputed entries along with a copy of my Identity Theft Report filed with the FTC. Please provide written confirmation once the necessary corrections have been made.

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 2025-05-27 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX Experian

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX. False XXXX XXXX This account was not charged off due to non-payment. It was paid in full through insurance and XXXX coverage. Reporting a charge-off misrepresents the account status and violates FCRA Section 1681e ( b ) and XXXX XXXX XXXX. 
XXXX. Re-Aging of the Account The Date of Last Activity has been falsely updated to XXXX, even though the account was settled in XXXX. This artificially extends the reporting period in violation of FCRA Section 605 ( a ) and 1681i ( a ). 
XXXX. Failure to Validate the XXXX I have previously requested validation, but no documentation has been provided to justify the {$6200.00} written-off balance, the original {$130000.00} balance, or the charge-off status. Under FCRA Section 1681i ( a ), unverifiable information must be deleted. 
XXXX. Inconsistent and Misleading Payment History The payment history includes a charge-off in XXXX and collection statuses from XXXX, while also listing inconsistent delinquencies in XXXX and XXXX. These overlapping and contradictory codes violate XXXX XXXX requirements. 
XXXX. Pattern of XXXX Experian has ignored multiple prior disputes without providing the required XXXX of XXXX. 
This ongoing failure constitutes willful and negligent noncompliance under FCRA Sections 1681n and 1681o. 
Requested Resolution XXXX. Permanently delete this account from my Experian credit report. 
XXXX. Provide all documents used to verify this account, including payment records, insurance payoff details, and any charge-off documentation. 
XXXX. Provide the full XXXX of XXXX used in all previous disputes, as required by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). 
If you fail to remove or correct this account within 15 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the New Mexico Attorney General 's Office. I am prepared to pursue legal action as necessary. 
This account was resolved in XXXX without default. Its continued reporting as delinquent and charged off is false and unlawful.

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 2025-05-27 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: MS

Complaint narrative:
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 XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Adavit to report three fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a telecommunications/cellular account opened at XXXX on XX/XX/XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a collection/chargeoff account opened at XXXX XXXX on XX/XX/XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws

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 2025-05-27 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: IL

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 XXXX 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 ( XXXX ) 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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint against Citibank for abruptly closing my account without cause after months of charging excessive interest and inflating my balance. The reported balance is abnormally high given my limited card usage, and I demand an investigation into these discrepancies. 

I will only pay if the following requests are met : 1. Reopen my account and provide a valid reason for its closure.

2. Audit the balance, as it does not reflect my actual spending or payments.

3. Adjust all unfair charges, including unjustified interest fees.

I am willing to resolve legitimate obligations, but only if Citibank corrects these errors and restores my account. This situation has caused significant financial harm, and I urge the XXXX  to intervene. 

Attached are relevant statements and correspondence. Please contact me to resolve 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 explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
I previously disputed the account listed below, yet my credit report still shows inaccurate and incomplete information. Im now formally requesting the description of the procedures used to investigate this account. As required by law, you must provide this information within 15 days of receiving this notice. If you cant verify the accuracy or fail to respond in time, the disputed account must be removed from my credit report. Please see the attached letter for my request. I look forward to your reply. Given from the previous dispute for my negative.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I noticed a late payment listed on my XXXX XXXX  within Equifax that I believe is inaccurate. I have checked the other bureaus and do not have documentation that this late payment was legitimately 60-days late in XXXX of 2024. 

I am requesting a full investigation and verification of this late payment. If the creditor is unable to provide sufficient evidence, I am asking that the record be updated to reflect accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
just a quick update it's been about 3 years since I last accessed my Coinbase account. I decided to log back in last night after all that time, and unfortunately, I found out that my account had been hacked. Someone managed to withdraw around {$8000.00} of my investment. I'm still trying to figure out exactly what happened and whether anything can be done, but yeah pretty rough surprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-27 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/XXXX A summons was left at mailing address in XXXX, wedged in front gate from LVNV Funding LLC. LVNV Funding LLC filed in XXXX XXXX court, sueing for $ XXXX XXXX sum odd dollars. Wrong jurisdiction! XXXX XXXX XXXX  was paid in full $ XXXX XXXX sum odd dollars from my checking account in the city of XXXX XXXX, before I lost my home. I filed an answer with the XXXX court & trial is coming up in XX/XX/XXXX, and I will produce my evidence. I'm homeless, I was fortunate to have those XXXX bank statements. LVNV Funding LLC knows it Violating 15 U.S.Code 1681, 15 U.S.Code 1692e

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ak XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Subject : Request for Debt Validation Dear Genesis Credit Management LLC, I am writing to request validation of the debt referenced in your correspondence. Under the Fair Debt Collection Practices Act, I have the right to request validation of this debt before I can acknowledge its validity. 

Please provide me with the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of any judgment, if applicable.

4. Proof that you are authorized to collect this debt.

Until you provide this information, I request that all collection activities cease. Please send your response to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Subject : Dispute of Account Information Dear, I am writing to formally dispute the information regarding my account with XXXX XXXX , as reported on my credit reports from Experian and TransUnion. Under 15 U.S.C. 6802, I have the right to protect my personal information, and I believe that the handling of my account may have violated this statute.

Additionally, according to 15 U.S.C. 1692g, I am entitled to receive accurate and clear information regarding the debts I owe. The information currently reported appears to be inconsistent and misleading, which affects my creditworthiness. 


XXXX XXXX ACCOUNT # XXXX Specifically, I would like to address the following discrepancies : 1. Account Status : The account is marked as " charged off '' on both reports but has differing details regarding the balance and payment history.

2. Payment History : There are inconsistencies in the reported payment dates and amounts owed.

As established in F.T.C. v. Check Investors, Inc., 502 F.3d 159 ( 3d Cir. 2007 ), consumers have the right to dispute inaccuracies in their credit reports. I request that you investigate these matters and provide me with a detailed response regarding my dispute.

Please provide me with copies of all relevant documentation and any additional information that supports your position on this account. I expect a timely response to this dispute, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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