vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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 am filing this formal complaint against XXXX XXXX ( XXXX ) and other related furnishers for the reporting of multiple inaccurate charge-off accounts and unauthorized credit inquiries on my credit report. 

The following accounts are being inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I want to make it clear that I have no knowledge of, nor have I ever opened or authorized any of the XXXX charge-off accounts listed above. These accounts appear to be either fraudulent or reported in error. Despite my repeated disputes with the credit reporting agencies, these accounts remain on my report, causing ongoing harm to my credit reputation and financial well-being. 

Under the Fair Credit Reporting Act ( FCRA ) 602, 607, and 611, furnishers and credit reporting agencies are required to ensure the maximum possible accuracy of information they report and must delete unverifiable or inaccurate data immediately. Since I have never maintained these XXXX accounts and no valid verification documents have been provided, these entries must be removed from my credit reports without delay. 

Additionally, the XXXX inquiry dated XX/XX/XXXX appears without my authorization. I never applied for any product or service that would justify this inquiry, making it an unauthorized credit pull that violates my consumer rights under the FCRA. 

I am requesting the CFPB to : Investigate these XXXX and XXXX entries thoroughly. 

Compel the data furnishers to provide proof of ownership or authorization for each account or inquiry. 

Delete all unverifiable and inaccurate accounts and inquiries from all credit reporting agencies immediately. 

Take enforcement action against any company found in violation of the FCRA or any other consumer protection law. 

These false charge-offs and inquiries are negatively affecting my credit standing and emotional well-being. I expect this matter to be handled promptly and fairly. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
After reviewing my credit report, I found several accounts and negative marks that are being reported inaccurately and without proper verification. Some creditors are reporting charge-off accounts while still listing full past-due balances, which is contradictory and misleading. For example, multiple accounts are marked as charged off but continue to show active delinquency amounts, even though no documentation has been provided showing how these balances were calculated or when the charge-offs occurred. A few accounts are showing late payments, but the companies have never provided billing statements, payment histories, or notices to prove those late payments actually happened. I have disputed these accounts multiple times, yet the companies involved have not supplied any verification or supporting evidence. As a result, the credit bureaus continue to report information that has not been validated and appears to be inaccurate, outdated, or incomplete. This has created harm to my credit profile and has affected my ability to obtain fair financial opportunities.

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 2025-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I applied for a VA backed loan and explain to XXXX XXXX that I was buying before selling. 
And XXXX XXXX told me that there was a product called recasting. And and I told XXXX XXXX, that was great. That was what I wanted to do, XXXX XXXX told me after I sell to apply for a recast. So after I sold I applied for a recast loan and the bank denied me because VA loans are not recastable. If VA loans are not recastable why even tell me about a product that I can't utilize under a VA loan. XXXX XXXX made a terrible mistake and i'm paying for it, he ill-advised me and I was left holding the bag. Can you help, I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've been a loyal customer to this bank for over 30 years and this is what I get. 
Please help.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PNC Bank N.A.
State: WI

Complaint narrative:
On Wednesday, XX/XX/year>, all of my PNC Bank accounts ending in XXXX, XXXX, and XXXX were suddenly and completely zeroed out without any prior notification or documentation indicating that a garnishment was to occur. I never received any court order, letter, or official correspondence advising that this action was pending or approved. The first time I became aware that a garnishment had taken place was only after my son contacted me in distress, informing me that all funds were missing from his account. 

I immediately went to the PNC Bank branch at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX, seeking answers. There were no line-item details or visible references to a garnishment in my account history. After meeting with a financial representative, I was informed for the first time that a WI Garnishment had been placed on my accounts. I then spent over five hours that day trying to locate any official record, notice, or contact that could explain this action to no avail. To date, I have not received any valid paperwork, service, or explanation identifying the party responsible for initiating the garnishment or the legal authority under which it was processed. 

Adding to the procedural failures, on XX/XX/year>, an individual arrived at my residence to serve paperwork. After verifying my name, I was handed a packet only to discover that I had been given another persons garnishment documents, containing their personal and financial information. This error represents a clear and serious breach of federal privacy and data protection laws, including the Gramm-Leach-Bliley Act, and underscores a gross mishandling of sensitive financial information by PNC Bank and/or the garnishing party. 

Furthermore, the sudden seizure of funds caused immediate financial harm. On XX/XX/year>, two legitimate transactions totaling {$120.00} were processed from my PNC debit card ending in XXXX. On XX/XX/year>, that same amount was mysteriously returned to my account, only for the corresponding payments to be reversed by the lenders triggering additional fees and credit impacts. Out of fear and confusion caused by the banks erratic and uncommunicated actions, I withdrew the funds to protect myself. Subsequent review of my account activity revealed that PNC removed transaction records that would have shown their mishandling of the garnishment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
Uncertain how to process Any clarification as to why Im being sent certain items that are owed or delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Key facts : Between XXXX XXXX XXXX  approximately {$320000.00} in XXXX and XXXX was stolen from my Coinbase account. Coinbase opened XXXX # XXXX and enrolled me in XXXX forensic aftercare. XXXX produces reports only ; they do not recover funds or enforce freezes. Only government agency 's have that ability in the US. However outside the US, exchanges " may '' voluntarily freeze funds for XXXX days at a time with official US law enforcement direction only. Coinbase has now denied the XXXX warranty coverage ( offered as part of their premium Coinbase One platform ), asserting the incident is fraud rather than identity theft, and therefore not covereddespite unauthorized access, onplatform transfers, and immediate reporting to police and XXXX. This denial blocks restitution while timesensitive evidence and recovery opportunities degrade. 

Most important dates and amounts : XXXX XXXX XXXX : Theft occurred ; loss {$320000.00} XX/XX/year> : Coinbase Case # XXXX opened XX/XX/year> : XXXX complaint filed ( ID XXXX ) XX/XX/year> : XXXX Police Report # XXXX filed Communications with company : Warranty denial : Coinbase denied coverage, classifying the incident as fraud and not identity theft. 

Law enforcement process : Coinbase directed police to the XXXX portal but has not provided restitution via warranty coverage. 

Forensic aftercare : XXXX engaged via Coinbase ; reports exist but do not result in fund restoration. 

Documents to attach ( limit XXXX pages ) : Coinbase case correspondence ( including warranty denial language ) and screenshots XXXX Police Report # XXXX ( PDF ) XXXX submission confirmation CYBERA forensic vendor summary ( Engagement ID XXXX ) Insurance correspondence ( XXXX XXXX XXXX, XXXX XXXX ) FTC complaint confirmation ( # XXXX ) Requested resolution ( urgent ) Restore stolen funds or apply Coinbases {$250000.00} warranty insurance consistent with unauthorized access and consumer protection standards. 

Preserve all records & CYBERA materials for ediscovery and law enforcement. 

Cooperate with law enforcement via XXXX and confirm any freezes/flags on recipient accounts. 

Provide compliance contact details and confirm actions in writing within XXXX hours ( preservation, warranty application decision, and lawenforcement coordination ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful 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 explanation
Consumer complaint received 2025-11-13 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX, XXXX and Midland Credit Management , Inc. regarding an alleged XXXX  XXXX / XXXX XXXX XXXX  account ending in XXXX. 

On XX/XX/year>, I formally disputed the account and invoked binding arbitration under the cardholder agreement and the XXXX XXXX XXXX. I reaffirmed the arbitration election and statutory disputes on XX/XX/year> ( sent via certified mail ) and on XX/XX/year> to both XXXX and Midland as successor/servicer. 

Despite these legally binding arbitration elections, both companies continued collection activity, continued transmitting documents, and continued furnishing information to credit reporting agencies, which violates : FDCPA 15 U.S.C. 1692g ( b ) ( continued collection after dispute ) FDCPA 15 U.S.C. 1692e ( 8 ) ( failure to mark account disputed ) FCRA 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( failure to report disputed by consumer ) FCRA 15 U.S.C. 1681s-2 ( a ) / ( b ) ( furnishing unverified information ) FCCPA 559.72 Federal Arbitration Act 9 U.S.C. 1 et seq. 

On XX/XX/year>, XXXX mailed me internal statements, a cardholder agreement, and an identity-theft affidavit. This was improper and misleading, as I never claimed fraud or identity theft. My dispute was statutory and arbitration-based, yet they misclassified it in order to avoid acknowledging the arbitration requirement. 

This misclassification, along with continued document transmissions, constitutes continued collection activity outside of arbitration, in violation of the FAA and the agreement they are bound by as agents or successors of XXXX XXXX XXXX. 

Both XXXX and Midland have ignored : 1. My arbitration elections 2. My dispute letters 3. Requests for validation 4. My certified notices 5. Requests for cessation of collection activity 6. My request that the account be marked disputed by consumer arbitration elected I have provided both companies with a Final Enforcement Notice and a Settlement Agreement and Release, and I have informed them that I will file XXXX  arbitration ( my fee capped at {$200.00} ) naming both companies as co-respondents ( their business fees {$1700.00} each ) and will file a Petition to Compel Arbitration in federal court if needed. 

I am asking CFPB to intervene because both companies : Misclassified my dispute Ignored my FAA arbitration election Continued collection actions despite legal prohibition Failed to follow FCRA dispute-reporting obligations Failed to provide contract-level validation Ignored certified notices and deadlines Continued furnishing unverified information I am submitting all supporting documents, including the dispute letters, arbitration elections, fraud-packet response, certified mail receipts, and my pre-filed Verified Complaint for Damages and Injunctive Relief. 

I am seeking immediate regulatory review and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-13 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting inaacurate and unverifiable information on my XXXX, XXXX  and XXXX  credit reports per FCRA 623

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief