vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, 15U.S.C.1681i, I am writing to dispute the following inaccurate information in my XXXX, XXXX  and XXXX  credit file : Item Description Reason It's Inaccurate XXXX # XXXX, NISSAN MOTOR XXXX XXXX, XXXX # XXXX. These companies are reporting inaccurate information on my credit reports. Date opened, credit limit, date of last activity is all inaccurate on my XXXX, XXXX  and XXXX  Report I enclose copies of supporting documents ( e.g., statements, receipts ). Please conduct a reasonable reinvestigation and delete or correct the inaccurate items, as required under FCRA 611 ( a ) ( 12 ) .I also request written confirmation that these corrections will be made and that updated consumer reports will be distributed to any parties If XXXX  , XXXX  and XXXX  fails to properly investigate, I will file a complaint with the Consumer Financial Protection Bureau and consider legal action to enforce my rights.

Thank you for your prompt attention. I expect your written response within 30 days of receipt of this letter, as mandated by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-19 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-19 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : 1- ACCOUNT DETAILS : Account Name : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance Owed : {$0.00} Fraudulent Inquiries to Be Removed : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Transunion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy.

I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action.

Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: GA

Complaint narrative:
I was scammed by merchant I made an online purchase. On XX/XX/XXXXXXXX  today is XX/XX/XXXX they have not completed investigation and still have not issued the credit to my account. This is Netspend they are horrible. Ive submitted very detailed proof of this. I paid for this order over a month and a half ago and still nothing

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 2025-06-19 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: MO

Complaint narrative:
MANUAL REVIEW REQUESTED DOCUMENTATION AVAILABLE ON DEMAND Between XXXX XXXX and XXXX XX/XX/XXXX I reviewed my Equifax credit report ( file date XXXX XX/XX/XXXX ) and found six tradelines with serious errors. I disputed them by certified mail on XXXX XX/XX/XXXX and again on XXXX XXXX XXXX, but none have been corrected. 

1. XXXX XXXX XXXX XXXX loan opened XXXX XX/XX/XXXX : XXXX XX/XX/XXXX debt discharged in XXXX XXXX XXXX after vehicle surrender. 
Still shows Chargeoff {$11000.00} / {$9300.00} pastdue and adds a new CO code every month through XX/XX/XXXX. 
XXXX XX/XX/XXXX sent discharge order ; lender replied verified with no balance proof. 

2. XXXXXXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX : Balance {$82.00} as of XXXX XX/XX/XXXX ; minimums paid XXXX XXXX XXXX. 
Paystatus line says Pays As Agreed / {$0.00} pastdue, but grid lists 30 and 60day lates. 
XXXX XXXX XXXX provided ontime payment screenshots ; Equifax left lates. 

3. XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX : Payments {$130.00} on XXXX XX/XX/XXXX and {$170.00} on XXXX XX/XX/XXXX. 
Equifax shows {$690.00} balance, status Pays As Agreed, yet grid shows 30day late XX/XX/XXXX. 
XXXX XX/XX/XXXX sent bank proofs ; no change. 

4. XXXX XXXX loan opened XXXX XX/XX/XXXX : Chargeoff {$3400.00} exceeds original principal {$3000.00} ; still lists pastdue. 
XXXX XXXX XXXX requested fee/interest breakdown ; none provided. 

5. XXXX XXXX ( original ) & XXXX XXXX  ( collector ) same auto debt : Duplicate reporting : XXXX shows months of CO after sale ; XXXX shows collection {$3900.00}. 
XXXX XXXX XXXX asked to delete duplicate CO codes ; no correction. 

6. XXXX XXXX XXXX XX/XX/XXXX but purge set to XXXX XXXX ; appears reaged. 
XXXX XX/XX/XXXX requested purgedate fix ; no response. 

Impact : False chargeoffs, duplicate derogatories, and mixed current/late status lowered my scores, triggered higher APRs and insurance costs. Equifaxs responses lacked ledger evidence or methodofverification details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/XXXX I had purchased windows on XX/XX/XXXX after numerous delays on their part. Finally, they delivered the windows and door on XX/XX/XXXX. 
Installers came out on XX/XX/XXXX to start installing the windows and door at XXXX worked on the windows all day and left abruptly at XXXX. With the installed unfinished and uncompleted. The installer stated that he doesn't know when someone is going to be back to finish this job. 
Scheduled time on XX/XX/XXXX for installers to come out and fix the job and finish it the right way according to the contract. When they arrived late, they refused to complete the job saying they did not have enough time. They rescheduled for XX/XX/XXXX, they did a NO show, NO call. I haven't heard from them since. 
Attached are several pictures of the unfinished job of installing my windows and door that were done incorrectly according to the contract. There are large gaps around the windows, and XXXX were not square. 
The installers ripped out the wood but never replaced the rotten wood or any wood ripped out from my windows/door. They just left the big gaps. They never added flashing tape either. 
Attached is the highlighted contract that was not upheld by XXXX. It stated they will replace any rotten wood, add flashing tape, trim and caulk windows. This was never done how it was stated in the contract. 
Due to the installers neglect and unprofessionalism on an uncompleted job that was left unfinished and exposed for XXXX  months of rain, snow and sleet -- - I now have water damage throughout. The back door was installed incorrectly without proper materials. 
I am disputing the quality of this service and I would like a Full Refund on all of the charges for my windows and door, that were not done correctly according to the contract. All my windows and door need replacing to be installed correctly.

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 2025-06-19 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: CO

Complaint narrative:
Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

This account has violated my rights.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete the item listed above. You are required to do what i am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CO

Complaint narrative:
Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

This account has violated my rights.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete the item listed above. You are required to do what i am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2025-06-19 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: WA

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 2025-06-19 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 




NEGATIVE ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 





NEGATIVE ACCOUNTS : 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

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 2025-06-19 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 





NEGATIVE ACCOUNTS : 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

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 2025-06-19 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

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 2025-06-19 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:
Hello, I appreciate your time and attention. I am writing to formally dispute the information being reported on my credit report related to the company XXXX XXXX. There is a clear inconsistency in how the account is reported across the XXXX major credit bureaus regarding the last payment date. The dates listed on Experian, TransUnion, and Equifax are all different for this same account, which indicates inaccurate or unverifiable reporting. 
Please note that this account has a {$0.00} balance. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this error be fully investigated and that this account be removed from all credit bureaus, including any smaller consumer reporting agencies such as XXXX and XXXX. 
I am including screenshots of all three reports clearly showing the date discrepancy, as well as my identification and address verification documents. 
Thank you so much in advance for helping me,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
There's a credit card on my XXXX  i didn't put there money from XXXX I been trying to sue them over the whole time thete was a transaction with a girl she took off cause I didn't know her abd she changed my passwords

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, a friend of mine accidentally sent {$4500.00} in XXXX using the XXXX ( XXXX ) network to my Coinbase trading account. The funds were sent to a valid Coinbase address associated with my account, but Coinbase does not currently support XXXX on the XXXX XXXX. 

Transaction ID ( TXID ) : XXXX Receiver Wallet Address ( Coinbase ) : XXXX I attempted to recover the funds using Coinbases Asset Recovery tool, but it does not support XXXX on XXXX. I also contacted Coinbase through live chat and posted on public support channels, but no one has provided a meaningful response or escalated my case. 

I am the rightful owner of the Coinbase account that received the funds, and I have provided full details, including the transaction ID and wallet address. The funds are in Coinbase 's custody, and I am simply asking for a manual review and return of the assets. 

This money is very important to me and the lack of support has caused me serious emotional and financial stress. Im asking for Coinbase to take accountability and return the funds that were mistakenly sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief