vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
As per 15usc 1611 Experian Transunion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-07-24 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: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 


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 2025-07-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed some inaccurate late payments on my XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX  Equifax has me 60 days late XX/XX/XXXX but paid on time XX/XX/XXXX and they also have a 60 day late payment XX/XX/XXXX and 90 days XX/XX/XXXX but paid on time XX/XX/XXXX. If I paid the month before how can payments be 60 days late the very next month. This account is inaccurate. Ive had this account for 15 years and have never been late. These late payments have negatively impacted my creditworthiness. Enclosed is a copy of the report showing these discrepancies. Thank for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Urgent Complaint Regarding Account Restriction and Unresolved Processed Transaction Case XXXX. XXXX, XXXX, XXXX, XXXX, XXXX I am writing to formally file a complaint regarding my Coinbase account, which has been unjustly restricted due to a transaction that was processed successfully from my bank on XX/XX/year>. Despite the fact that I have provided official bank statements confirming the successful transfer, and Coinbase has acknowledged this as an internal error, the issue remains unresolved as of today, XX/XX/year>. 

Since XX/XX/year>, I have reached out to Coinbase support numerous times, referencing the following support case numbers : XXXX, XXXX, XXXX, XXXX, XXXX. 

Throughout this period, I have complied with every documentation request, including bank statements and transaction references, and have received confirmation that the issue stems from XXXX internal systems. Despite this, my account remains restricted, and I am currently unable to withdraw, convert, or transfer my funds, which total over {$280000.00} USD. This is causing significant financial stress and concern. 

To reiterate : The transaction was successfully processed from my bank to Coinbase on XX/XX/year>. 
Coinbase has acknowledged this as an internal processing error. 
My account remains restricted with no clear resolution timeline. 
I have made repeated attempts to resolve this issue for nearly two weeks with no meaningful progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX is reporting multiple collection accounts on my credit report that are inaccurate, unverifiable, and appear to be duplicated. Specifically : They are reporting the same account under variations of their name : XXXX XXXX, XXXX XXXX XXXX, and XXXX. The balances listed are {$3700.00}, {$1100.00}, and another {$1100.00}. Each of these appears to stem from XXXX XXXX  and XXXX, yet no original contract, chain of title, or validation has been provided. 
The accounts lack proper payment history, list inaccurate activity dates, and in some cases are re-ageda violation of the Fair Credit Reporting Act ( FCRA ). I have disputed these accounts with the credit bureaus ( Experian, TransUnion, and Equifax ), and XXXX XXXX  has failed to provide sufficient validation as required under 15 U.S.C. 1692g and 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX is reporting multiple collection accounts on my credit report that are inaccurate, unverifiable, and appear to be duplicated. Specifically : They are reporting the same account under variations of their name : XXXX XXXX, XXXX XXXX XXXX, and XXXX. The balances listed are {$3700.00}, {$1100.00}, and another {$1100.00}. Each of these appears to stem from XXXX XXXX  and XXXX, yet no original contract, chain of title, or validation has been provided. 
The accounts lack proper payment history, list inaccurate activity dates, and in some cases are re-ageda violation of the Fair Credit Reporting Act ( FCRA ). I have disputed these accounts with the credit bureaus ( Experian, TransUnion, and Equifax ), and XXXX XXXX  has failed to provide sufficient validation as required under 15 U.S.C. 1692g and 15 U.S.C. 1681i.

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 2025-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 
Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data, In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 
Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I got an approved loan from USAA on XXXX XXXX after finding a vehicle and signing the loan agreement, the dealership sent in the paperwork. 

The loan was supposed to be finalized. I had this vehicle for about 2 to 3 weeks, when I noticed that the loan never reflected on my online portal. I call USAA to find out why, they replied the reason for the loan, not reflecting was because the dealership did not send a funding request but they informed me I had until XX/XX/XXXX to finalize the loan at no additional penalties. 

I spoke to the dealership, and they sent a funding request the same day. I called back 2 days later. This time after speaking with representative, they said I would have to submit a whole new application, because the dealership address on one of the paperwork was confused with my physical address.

After reviewing all of the paperwork the addresses were correct on the loan agreement and all other documents except the dealership funding request. USAA informed me because of this one mistake, USAA refused to honor the loan agreement and would have me resubmit, a whole new application, which could result in a higher interest rate or hire monthly payments. As a working family man, my current monthly payments has already been factored into my budget, and it's it's only fair for something. So small to be corrected, and for the deal to be honored. The representative said they can not send me an adverse action letter because I was not denied for the loan but they also will not fund the loan because of the mistake of address. This seems extremely odd to me and a violation of equal credit opportunity.

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 2025-07-24 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year>, I filed a dispute with XXXX  regarding two credit cards they claim I owe from Bank of America. On XX/XX/year>, Bank of America sent me a letter confirming that I have never had any accounts with them under my name or Social Security number. Despite this, XXXX  responded today stating : The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. I am requesting that this inaccurate information be removed from my credit report, as I have documented proof from the creditor denying any account association

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 2025-07-24 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, NV XXXX Re : Request to Cease Reporting Inaccurate Debt CFPB Complaint Notice To Whom It May Concern, This letter serves as a formal dispute and demand to cease reporting of a negative item you have placed on my credit report. This inaccurate and unverified debt has significantly harmed my credit standing and is directly impacting my ability to obtain housing for myself and my family. 

You are currently reporting a debt to the credit bureaus without having provided any prior notice, validation, or consent, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2.

According to 15 U.S.C. 1692g ( a ), a debt collector is required to provide a consumer with a written notice of the debt within five days of the initial communication. No such notice was ever provided to me. Further, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information to a consumer reporting agency must not report any information relating to a consumer that is knownor has reasonable cause to believeis inaccurate.

In addition to these statutory violations, your failure to provide me with proper notice and opportunity to dispute the debt violates established case law, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) emphasizing the requirement that debt collectors follow the procedural mandates of the FDCPA. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) which held that a collector must stop collection efforts when a debt is disputed and can not continue to report the debt without verification. 

You have also failed to provide proof that I have any legal obligation to this alleged debt. Without proper validation and my express consent, the reporting of this item is unlawful, deceptive, and constitutes willful noncompliance under 15 U.S.C. 1681n, which may entitle me to actual damages, punitive damages, costs, and attorney fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding a closed auto loan account with XXXX XXXX XXXX ( Account # XXXX ), which is incorrectly reporting a 30-day late payment on my credit file. This account was paid and closed on XX/XX/XXXX, and shows a {$0.00} balance, yet the credit reporting includes a negative payment status marked as Paid, was past due 30 days. There is no record of ongoing delinquency, and I have no supporting documentation from the creditor that substantiates this derogatory entry. I have disputed this account multiple times with the credit bureaus ( on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX ), each time requesting statements and payment history records showing when this supposed delinquency occurred. I have not received any validation or evidence confirming the accuracy of this negative item. Per the Fair Credit Reporting Act ( FCRA ), I request that : The late payment be removed from this account reporting, or The account be fully deleted from my credit file if the creditor can not provide evidence of delinquency. This information is outdated, inaccurate, and is having a continued unfair impact on my credit history. I am requesting the CFPB assist with holding the furnisher and reporting agencies accountable for failing to verify and correct this dispute.

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 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
XXXX XXXX is the private title-holder of the property located at XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. Since early XXXX, the Trust has submitted multiple lawful written requests to Mr. Cooper ( Nationstar Mortgage LLC ) seeking verification and substantiation of the claimed mortgage obligation, including standing, ownership, and servicing rights, pursuant to RESPA, FDCPA, and the Truth in Lending Act. 



These requests included a Qualified Written Request, Affidavit of Non-Response, Demand for Chain of Title, and a Final Notice of Fault and Dishonor. To date, Mr. Cooper has failed to provide any lawful proof of ownership, failed to produce a signed promissory note, and failed to show evidence of servicing rights or XXXX XXXX  discharge history. 



Despite these outstanding verification issues, Mr. Cooper and its legal counsel XXXX XXXX XXXX, XXXX. have continued advancing foreclosure proceedings without rebutting the Trusts sworn affidavits or resolving contradictory claims. Specifically, the company simultaneously asserts the loan is held by a pooled trust with a physical note while claiming XXXX  remains the original mortgagee ( MIN : XXXX ). These contradictions call into question the standing of the foreclosing party. 

A sheriffs sale has now been publicly posted XXXX XX/XX/year> at XXXX XXXX  in XXXX XXXX, despite unresolved verification disputes, and without acknowledgment of the trusts perfected administrative record, which stands in unrebutted default against the lender. 

XXXX XXXX submits this complaint in good faith to document ongoing violations of federal law, denial of due process, and improper foreclosure practices occurring without lawful substantiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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