vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: TX

Complaint narrative:
The reason why I'm sending y'all this because I know I'm thinking y'all will address it to the proper company or authorities, and I can send a screenshot, but someone tried to use my XXXX. Coinbase card at this store within the last XXXX minutes and I don't know how to report it. Any quicker? And I don't know if the FBI or anybody else will let me upload a photo

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Acct # XXXX - Closed - Bad debt/collection XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Closed - Charged off account Discover Card - XXXX potentially negative months - Closed - Bad debt/collection XXXX - Acct # XXXX - Closed - Bad debt/collection XXXX XXXX - XXXX potentially negative months - Closed - Bad debt/collection XXXX XXXX Acct XXXX XXXX - Closed - Bad debt/collection XXXX XXXXXXXX - XXXX potentially negative months XXXX Closed XXXX Bad debt/collection XXXX XXXX - Acct # XXXX - Closed - XXXX XXXX XXXX XXXX - Acct # XXXX - Closed - Bad debt/collection XXXX XXXX - Acct # XXXX - Closed - XXXX XXXX XXXX XXXX - Acct # XXXX - Closed - Bad debt/collection XXXX XXXX - Acct # XXXX - Closed - Charge-off XXXX  XXXX XXXX Acct # XXXX - Closed - Charge-off XXXX XXXXt - Acct # XXXX - Closed - Charge-off Spring Oaks Capital - Acct # XXXX XXXX Closed - Collection account PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX - Acct # XXXX - Closed - XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX - XXXX - XXXX late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/year>, Initially notified XXXX  of the incorrect information that is reporting on my name. I also made an official CFPB complaint XXXX. In the correspondence, I provided my current Drivers License, and social security card for proof of address, and a copy of my social security cars to ensure the correct spelling of my name which has yet to be updated on my current report. 

According to U.S.C. 1681 ( i ) information that is on a consumer report must be accurate or verifiable, and if it is found to be so it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: CA

Complaint narrative:
Im receiving this message from a Unifin debt collector : This is Unifin, a debt collector. Contact us about ref # XXXX @ XXXX or XXXX. ChargesMayApply. Reply STOP to stop texts. When I called, they asked if I was XXXX XXXX. I said no, then they said sorry. They texted me again after a couple of months this is, I think, the fourth time. It looks like theyre trying to scam me. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This fraudulent item should not appear on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this complaint because Experian is reporting accounts and inquiries that I believe are inaccurate, outdated, or unverified. I disputed these with Experian, but they have not provided the documentation required to validate them. 

CHARGED-OFF / COLLECTION ACCOUNTS CREDENCE RESOURCE MANAGEMENT Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX Acct : XXXX XXXX XX/XX/XXXX Balance : XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX Experian has not provided proof that these accounts are accurate, valid, or properly reported. 

INQUIRIES I do not recall authorizing the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX I request documentation showing permissible purpose for each. 

XXXX XXXX XXXX XXXX XXXX XXXX NA Reported XX/XX/XXXX I dispute this late payment because Experian has not provided evidence verifying the accuracy of the delinquency. 

I request that Experian validate all listed items or remove them if they can not be verified under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Duplicate Collections XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX # XXXX Date : XXXX Experian Information Solutions XXXX XXXX. XXXX XXXX, TX XXXX Re : Request for Investigation of Duplicate Collection Reporting FCRA Dispute To Whom It XXXX Concern, I am writing to dispute inaccurate and duplicate collection entries appearing on my credit report, generated on XX/XX/year>. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires the credit reporting agency to ensure maximum possible accuracy of the information it maintains. 
Duplicate/Misreported Accounts The following accounts are appearing twice, once under the original creditor ( as a charge-off ) and again under a third-party debt buyer, which misrepresents my obligations : XXXX. XXXX XXXX XXXX XXXX Bank ( charged-off {$430.00} ) Duplicate with XXXX XXXX XXXX XXXX {$430.00} collection ). 
XXXX. XXXX Bank XXXX XXXX XXXX ( charged-off {$410.00} ) Duplicate with XXXX XXXX XXXX XXXX {$410.00} collection ). 
XXXX. XXXX Bank XXXX XXXX ( charged-off {$450.00} ) Duplicate with XXXX XXXX XXXX XXXX {$450.00} collection ). 
XXXX. XXXX / XXXX ( charged-off {$730.00} ) Duplicate with XXXX XXXX XXXX XXXX {$730.00} collection ). 
XXXX. XXXX XXXX XXXX ( XXXX ) ( charged-off {$720.00} ) Duplicate with XXXX XXXX XXXX XXXX {$720.00} collection ). 
XXXX. XXXX Bank XXXX XXXX XXXX ( charged-off {$720.00} ) Duplicate with XXXX XXXX XXXX XXXX {$700.00} collection ). 
My Position While I understand an original creditor XXXX report a charge-off and a debt buyer XXXX report a purchased account, these listings as currently reported are misleading and duplicative. They create the false impression that I owe the same debt more than once, and in some cases, the balances do not even match. 
Requested XXXX I am requesting that Experian : * Remove the duplicate or inaccurate entries so that each debt appears only once and reflects the correct current creditor. 
* Provide me with the results of your reinvestigation within 30 days, as required under 15 U.S.C. 1681i.

Please investigate these items and correct or delete them from my credit report. 
Enclosed is a copy of my identification and a copy of the relevant credit report highlighting the disputed entries. 
Thank you for your prompt attention to this matter. 
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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution XXXX not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they XXXX have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed an FTC Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau XXXX XXXX required to block and delete any unauthorized information within XXXX ( XXXX ) business days. 
This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 
Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ). 
The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Avant only responded to XXXX XXXX XXXX not attempting to assist or address negative credit rating/late payments reported even when I've contacted prior to due date addressing my issue. As a government employee - I. Entitled to company reaching out regarding disaster Hardship and layoffs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX * * * * ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: 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: TX

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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

Complaint narrative:
I am a consumer currently working to fix my credit. I am disputing the following accounts and inquiries that appear on my Equifax credit report : XXXX. Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. Inquiries : XXXX, Date of XXXX : XX/XX/XXXX XXXX. Late Payments : XXXX, Account Number : XXXX XXXX XXXXXXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief