vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: VA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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 formally object to tradelines representing accounts I did not establish. Please perform a rigorous review and expunge them. Documentation is provided.

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 2025-08-25 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: TX

Complaint narrative:
This record misrepresents my payment behavior and seems inaccurate. I respectfully ask that it be corrected upon investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I am submitting this initial correspondence to formally document ongoing concerns regarding unresolved fraudulent activity related to my Coinbase account, which has resulted in the unauthorized withdrawal of Bitcoin ( BTC ) during XX/XX/year>. Despite my initial complaint and the subsequent passage of time, I have not received a satisfactory response or resolution from Coinbase. 
My account, associated with the email address XXXX, experienced unauthorized access leading to the illicit transfer of Bitcoin. I promptly reported this incident to Coinbase and am now also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). However, there has been no communication from Coinbase detailing the circumstances surrounding the breach, the investigative measures being undertaken, or the possibility of restitution for my losses. 
My efforts to secure my account through the locking mechanisms provided by Coinbase have proven ineffective, which raises significant concerns regarding their accountability and compliance with federal consumer protection standards. As a digital asset platform, Coinbase has a fiduciary duty to protect customer funds and ensure the security of their accounts. 
I respectfully urge the CFPB to intensify its oversight in this matter and compel Coinbase to provide a timely, comprehensive, and documented response. 
Please confirm the receipt of this correspondence and advise me on the subsequent steps in this process. I am prepared to furnish transaction records, account statements, and any other necessary documentation to support a thorough investigation. 
Thank you for your attention to this critical issue. I stand ready to provide any additional information required to facilitate your inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My TransUnion credit report contains multiple inaccurate and unverifiable entries that violate the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX Reports multiple 30- and 60-day late payments and inconsistent balances ( {$35.00} ), which conflicts with other bureaus. This violates FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), requiring maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX A charged-off installment account from XXXX is still being reported, even though it is obsolete under FCRA 605 ( a ). 
XXXX XXXX XXXX TransUnion is the only bureau reporting a 60-day late. Other bureaus do not show this entry, making it unverifiable. 
XXXX XXXX One account reflects late payments and derogatory status in XXXX, inconsistent with XXXX. 
XXXX Collection ( {$4400.00} ) TransUnion reports this collection, but XXXX  does not. If not validated with original creditor documentation, it is inaccurate. 
XXXX XXXX XXXX TransUnion lists this as closed with XXXX balance, but the history is inconsistent with other bureaus.

Addresses & Inquiries Unauthorized addresses are listed. Only my current address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) should remain. In addition, inquiries from XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) were not authorized.

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 2025-08-25 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: CA

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 explanation
Consumer complaint received 2025-08-25 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: CA

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 2025-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
I borrowed about {$2000.00} ( estimate ) and currently owe a little over {$1000.00} ( estimate ). EasyPay told me that unless I pay off the full balance ( around {$2000.00} ) within 90 days, the balance will automatically increase to approximately {$6000.00} ( estimate ) with no way out of it. There is no interest rate or percentage involved it is simply an automatic jump to about {$6000.00}. I confirmed this by phone with an EasyPay representative, who admitted this is how the loan works.

This means I either have to pay the full ~ {$2000.00} immediately or be forced into a balance that nearly triples my debt. My 90-day period ends on XX/XX/year>2025. If I do not pay in full by that date, the balance will increase with no option or say otherwise. I consider this setup predatory, abusive, and unlawful. 

On XX/XX/year>2025, I sent a written dispute to EasyPay Finance requesting : A copy of the original signed agreement A breakdown of the loan terms, including APR, interest rate, and fees A detailed payment history Evidence that the loan complies with state usury laws and federal lending regulations I am requesting that the CFPB review EasyPay Finances practices and prevent them from enforcing these unfair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
I have repeatedly reached out to this company by calling and asking for statements to come in the mail so I can see what it is for and set up payments, every single time I am told they will do so and I have received nothing from them except once and the letter was dated XX/XX/year>XXXX  and since then they will not send me statements so I can keep up with my balance or know if I even have one. If I go to the website it almost never lets me log in, it tells me it can not locate my reference number. When I do finally get to log in and I click on " statements '' it is a blank page with nothing there and if I click on " payment history '' it will not show any payments I have recently made. I am now wondering if this is a legitimate company or a scam.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I paid off two accounts from XXXX XXXX  and submitted two letters, one from each account saying I settled the account and my balance was now {$0.00} and that the line would be deleted from my report within 30 days.

I was told to submit these letters to have the account balance show at {$0.00}, I did that and the dispute was found in my favor. The most recent time was XX/XX/XXXX. Despite this, Experian did not update the info in the 24- 72 hour period. I have gone through this process 2x and am doing it for the third time.

The agent I spoke to this time around said that there was an issue with the system, the manager denied that this was the case. I was then given a corporate number to call and ask to speak to a dispute manager, and they put me right back to the same dispute department and my account is not being updated.

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 2025-08-25 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: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion has failed to properly respond to my disputes regarding inaccurate information on my credit file, including the reporting of a XXXX  XXXX Bankruptcy ( Case # XXXX ) and several related accounts. 
On XX/XX/XXXXXXXX, I submitted a written dispute to TransUnion requesting detailed verification of several accounts and the bankruptcy reporting. I specifically asked for the date creditors were contacted, the name of the person verifying, the method of verification, and whether identifying information ( SSN, DOB, address ) was matched. Under 15 U.S.C. 1681i ( b ) ( 7 ), TransUnion is required to provide this information within 15 days. They did not respond as required. 
On XX/XX/XXXX, XXXX, I submitted a follow-up dispute providing XXXX  federal court documents proving that TransUnions bankruptcy reporting was inaccurate and incomplete. I highlighted : TransUnion lists the wrong filing date ( XX/XX/XXXX ) while XXXX  shows the case was discharged XX/XX/XXXX and terminated XX/XX/XXXX. 


TransUnions record omits trustee and case status details, making the record incomplete. 


The bankruptcy is reported as if still active, contradicting the official Discharged and Closed status. 


Despite providing court documentation, proof of identity, and a clear explanation, TransUnion has not corrected or properly verified the disputed information CRA Violations by TransUnion Failure to conduct a reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ).

Failure to provide a description of the verification procedure within the required timeframe under FCRA 1681i ( b ) ( 7 ).

Reporting inaccurate and incomplete information in violation of FCRA 1681e ( b ).

TransUnions failure to correct or delete this inaccurate information has caused : Ongoing damage to my credit profile and score.

Difficulty obtaining credit and financial opportunities. 


XXXX XXXX from repeated disputes being ignored or inadequately addressed.

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 2025-08-25 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: GA

Complaint narrative:
Hi to whom it may concern, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. It is my understanding that you will Investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX ) XXXX XXXX - XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX ) XXXX  - XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - XXXX ) XXXX  XXXX XXXX  XXXX XXXX XXXX ( opened - XX/XX/XXXX ) closed - XX/XX/XXXX ( amount - 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 2025-08-25 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:
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 may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may 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 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 non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
In XX/XX/XXXX of 2023 I took residency at XXXX XXXX apartments. When I toured my unit I was assured that I would have all of the appliances that were listed on my lease, however I never had a washer or dryer installed. XX/XX/year> the air conditioning unit flooded my bathroom. I still had no washer or dryer installed my unit, and I had to replace all of my bathroom decor. After multiple attempts to resolve the issue with maintenance and through the resident portal, it was no longer safe for me to live in the unit. Even though I completed move-out and returned my keys XX/XX/year> with my final payment, XXXX seeing a balance of {$3100.00} on my credit report stating I didnt move out until XX/XX/year>. I have proof that I have lived elsewhere since XX/XX/year>. After attempting to reach out to the apartment complex I was told that there is a new property management company, and I am nowhere in their system as a former resident, yet it is still being reported to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I corresponded the XXXX XXXX to dispute dates of service, as I did not live at the address they are billing me for during the date in question. Also, I didn't know this was even happening until they put it on my credit report. So they never corresponded with me to collect this dept before selling it to an outside company. They sold the debt to one company, I disputed that and it was removed. They then resold that erroneous debt to another company, Transworld Systems, who had threatened legal action, for a debt I do not owe. They have provided no proof of debt several times and continue to resell the debt to different companies. It's In the hands of Transworld Systems, who I do not owe money to. I attached a screenshot of the last company that tried to collect this debt, and it was resolved and removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I dispute certain items tied to accounts not initiated by me. Kindly perform a meticulous review and remove them from my report. Supporting materials are included.

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 2025-08-25 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: CA

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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