vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX and XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt Action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I purchased a brand new XXXX XXXX from XXXX dealership in XXXX XXXX, NC. When the salesman and I test drove the car there was a light squeaking sound coming from the front wheel on driver side of vehicle. I asked the dealer what he thought it was but he didn't know so once we arrived back to dealership they took it in the shop and mechanic said nothing was wrong. So I took the car home but the dealership policy states any new vehicle purchased can be turned in if anything is wrong with it within 15 days from purchase. So after I took car home the noise continued and 3 days later I noticed that the tire were wobbling. So the 4th day I took it back to the dealership, they took it in the shop and mechanic confirmed that it had a damaged wheel hub and it had to be replaced. Dealership wanted me to allow them to fix it and take it home but I refused because I was not going to trust that plus I wasn't paying for a defective brand new car with less than 150 miles on it. So they took back that car and both the dealership manager and I called Capital One Auto and I only had to pay {$860.00} for returning the vehicle. And the dealership put me in another brand new XXXX XXXX in which my wife drive everyday. For some odd reason I found out that this account was showing up negative on my credit files as a negative account. I call Capital One Auto and they apologized and told me that they would have it removed. I then called all 3 Credit Bureaus and disputed them XX/XX/year>. After 30 days the account remained. I called Capital One Auto and talked to the Office of the President of the company and they assured me that they would take the account off of my credit reports. After 30 days, on XX/XX/year>, it was still reporting on my credit files. So again I filed another dispute. On XX/XX/year> I checked my credit and the account was still reporting. I disputed it again and it never came off. So today I called all XXXX Credit Bureaus and they told me that they never disputed the account after XXXX because the customer had initially reported the account as being reported correctly. So because they will not dispute the account for me I'm contacting you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
XXXX credit card account reporting inaccurately on my consumer report. The information regarding this account is conflicting among the three consumer reporting bureaus. 

XXXX CREDIT CARD XXXXRANSUNION- Reporting XXXX card account as XXXX DAY LATE XX/XX/year> AND INCLUDED IN BANKRUPTCY XXXX- Reporting XXXX card account as INCLUDED IN BANKRUPTCY. NEVER LATE XXXX- Reporting XXXX card account as INCLUDED IN BANKRUPTCY. No DELINQUENCY

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 2025-04-17 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: NC

Complaint narrative:
I am filing this formal complaint against XXXX XXXX Bank, as well as the credit reporting agencies Experian, TransUnion, and Equifax, for the ongoing and willful reporting of false late payments on an account that was paid in full in XX/XX/XXXX. 

Despite this account being closed and paid in full, all three credit bureaus continue to report late payments in XXXX, XXXX, and even as recently as XX/XX/XXXX. These entries are factually inaccurate, misleading, and damaging to my credit profile. I have repeatedly disputed this with both XXXX XXXX and all three bureaus, and none of them have taken corrective action or provided proper documentation to substantiate the continued negative reporting. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, the bureaus are required to conduct a reasonable investigation of any dispute and delete inaccurate or unverifiable information.

Under 15 U.S.C. 1681s-2 ( b ), First Horizon is required to correct and update inaccurate information once notified of a dispute.

Their failure to act constitutes reckless disregard of my rights as a consumer.

As established in the Supreme Court ruling Safeco Insurance Co. of America v. Burr, XXXX XXXX XXXX ( XXXX ), willful FCRA violationswhether intentional or carried out in reckless disregardopen the door to statutory and punitive damages. At this point, all parties involved have been notified and failed to correct the false reporting, which I believe qualifies as willful noncompliance under 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 2025-04-17 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: NC

Complaint narrative:
I am filing this formal complaint against XXXX XXXX Bank, as well as the credit reporting agencies Experian, TransUnion, and Equifax, for the ongoing and willful reporting of false late payments on an account that was paid in full in XX/XX/XXXX. 

Despite this account being closed and paid in full, all three credit bureaus continue to report late payments in XXXX, XXXX, and even as recently as XX/XX/XXXX. These entries are factually inaccurate, misleading, and damaging to my credit profile. I have repeatedly disputed this with both XXXX XXXX and all three bureaus, and none of them have taken corrective action or provided proper documentation to substantiate the continued negative reporting. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, the bureaus are required to conduct a reasonable investigation of any dispute and delete inaccurate or unverifiable information.

Under 15 U.S.C. 1681s-2 ( b ), First Horizon is required to correct and update inaccurate information once notified of a dispute.

Their failure to act constitutes reckless disregard of my rights as a consumer.

As established in the Supreme Court ruling Safeco Insurance Co. of America v. Burr, XXXX XXXX XXXX ( XXXX ), willful FCRA violationswhether intentional or carried out in reckless disregardopen the door to statutory and punitive damages. At this point, all parties involved have been notified and failed to correct the false reporting, which I believe qualifies as willful noncompliance under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I noticed that a XXXX late payment was reported on my XXXX XXXX XXXXXXXX credit card XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX ) for XX/XX/XXXX. 

I wasnt aware that I had missed a payment. I didnt receive any proper notification, and I believed the account was current at the time. Ive always tried to stay on top of my payments, and I dont think this should stay on my report. 

Im attaching my ID, XXXX, and proof of address for identity verification. 

Id really appreciate your help reviewing this and removing the late mark. 

Thank you for your time and assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-17 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: NY

Complaint narrative:
I am filing this complaint against TransUnion due to the inaccurate and conflicting reporting of a XXXX late payment for my XXXX XXXX account XXXX No. XXXX * ) * *, dated XX/XX/year>. This entry is inconsistent with the information reported by the other major credit bureaus : Equifax reports a XXXX late payment in XX/XX/year>. 

Experian reports no late payments at all. 

This inter-bureau discrepancy violates the Fair Credit Reporting Act ( FCRA ), as it fails to meet the federal requirement for maximum accuracy and fairness in credit reporting. 

Specifically : 15 U.S.C. 1681e ( b ) requires credit bureaus to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i mandates a reasonable reinvestigation when a consumer disputes any item of information.

15 U.S.C. 1681s-2 ( b ) obligates furnishers to conduct a good-faith investigation and correct any inaccuracies after being notified of a dispute.

15 U.S.C. 1681n and 1681o establish civil liability for willful or negligent noncompliance with these provisions.

I also requested that this dispute be manually reviewed, not handled through automated systems like XXXXXXXX, as such systems are inadequate in resolving disputes involving contradictory reporting from multiple agencies. Despite this, I have received no verification or supporting documents, and no summary of the investigation as required under 15 U.S.C. 1681i ( a ) ( 7 ).

Furthermore, this conduct may also violate : The Truth in Lending Act ( TILA ) and Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1637 ( b ) and 1666 ( b ), in the event of billing or posting errors.

The UDAAP provisions of the Dodd-Frank Act and Regulation V ( 12 CFR 1022 ) for failing to ensure accurate, non-deceptive reporting practices.

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 2025-04-17 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Arizona, XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Immediate Deletion of Inaccurate Information for XXXX XXXX Account Dear TransUnion Dispute Department, I am writing to formally dispute the inaccurate and misleading information being reported on my credit report regarding the XXXX XXXX account ( account number ending in XXXX ). The information being furnished violates several provisions of the Fair Credit Reporting Act ( FCRA ), and I am demanding its immediate deletion from my TransUnion credit report. 



Inconsistencies and FCRA Violations Identified : XXXX. Inconsistent Date Opened TransUnion reports the account opened on XX/XX/XXXX, while XXXX lists XX/XX/XXXX. This violates 15 U.S.C. 1681e ( b ), which requires maximum accuracy and consistency in reporting. 
XXXX. Incorrect Credit Limit TransUnion accurately reports the {$1000.00} credit limit, while XXXX inaccurately shows {$0.00}. Any indication of a {$0.00} limit misrepresents my utilization ratio and damages my credit profile. 
XXXX. Contradictory Comments and Status The account is marked as XXXX XXXX, yet also includes language stating Dispute resolved reported by subscriber. This suggests a prior dispute, but no supporting documentation or explanation has been provided. Per 15 U.S.C. 1681i ( a ), if a dispute is resolved, clear evidence must exist. 
XXXX. Balance and Payment Status Inaccuracy A balance of {$220.00} is shown despite a charge-off and supposed {$0.00} credit limit. Additionally, the data lacks clarity regarding who currently owns the debt, in violation of 15 U.S.C. 1681s-2 ( b ). 
XXXX. Violation of Consumer Rights Per 15 U.S.C. 1681i, I have the right to dispute any inaccurate or incomplete information. 
If the item can not be fully verified, it must be deleted from the file. 
Continued reporting of unverifiable data constitutes willful noncompliance, punishable under 15 U.S.C. 1681n. 



Requested Action : I am formally requesting the following : XXXX. Immediate deletion of the XXXX XXXX account from my TransUnion credit report. 
XXXX. Written confirmation that the account has been removed. 
XXXX. A free, updated copy of my TransUnion credit report reflecting these corrections. 



Please consider this letter a formal dispute under the FCRA. I expect your full compliance and a resolution within the legally mandated XXXX window. If this account can not be verified in full with 100 % accuracy, you are obligated to remove it permanently. 

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
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 non-monetary relief
Consumer complaint received 2025-04-17 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I am filing this complaint against Coinbase regarding a prolonged and unresolved account restriction that has severely limited my ability to access and manage my funds. 

In XX/XX/year>, Coinbase restricted my account and requested several documents, including details about my source of funds, a gift letter from my father, and my intended account usage. I promptly submitted all requested documents through their secure portal, including a signed gift letter, bank statements, and written responses to their questions. I also followed up multiple times via email over the past two months to request updates and clarification. 

Despite fully complying with every request and being a long-time Coinbase One customer, I have received no resolution and only vague, repetitive inquiries that ignore the information I have already provided. As of today, my account has been restricted for over two months, and I am unable to access or use my funds. 

This lack of communication, transparency, and fair process is unacceptable. I am seeking immediate assistance from the CFPB to compel Coinbase to properly review the documents I have submitted, respond to my concerns, and lift the unjustified restriction on my account without further delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I received alarming security alerts from U.S. Bank, warning of unauthorized access. When I contacted the bank, I learned that my PIN and email had been changed without my knowledgemy account was compromised. I reported it immediately and was told my account was blocked until I visited a branch. 

At the branch, rather than feeling supported in resolving this fraud, I felt dismissed and treated with suspicion. I was told to change my account number, which created issues for payroll and deposits. I was also required to pay off my overdraft reserve and reapplydespite being the victim of fraud. 

Throughout multiple interactions, I was met with skepticism and unjustified restrictions. When requesting a cash advance from my Platinum Card ( $ XXXX limit ), I was repeatedly denied despite confirming my account status. Ultimately, the bank canceled my card and labeled me a " high risk '' customer, even though I had never missed a payment or engaged in suspicious activity. It felt like I was being blamed for the fraud committed against me. 

On XX/XX/XXXX, an unauthorized charge of {$300.00} appeared, leading to further restrictions. Despite reporting fraudulent activity, I was treated as if I were the problem, not the victim. I was repeatedly denied access to my own accounts, forced into financial burdens from closed accounts, and treated unfairly throughout the process. 

This ordeal has taken a severe emotional toll. I have lost sleep, felt humiliated, and struggled with the sense that I was unfairly profiled rather than supported as a loyal customer. I trusted this institution with my financial well-being, only to be met with suspicion and discrimination. I am seeking accountability for the way I was treated and a resolution that acknowledges the harm caused.

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 2025-04-17 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX and XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt Action

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 2025-04-17 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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