vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
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 # XXXX * * - Date Opened XX/XX/year> -Balance {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX -Balance {$0.00}

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 2025-08-16 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: NC

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 : XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to purchase {$250.00} of XXXX on Coinbase. My bank later reversed the payment. Coinbase logged the XXXX in my activity feed, but it was never actually credited to my wallet balance I never had the ability to transfer, sell, or use it. 

Despite this, on XX/XX/year>, Coinbase deducted {$67.00} from my next purchase, claiming it was to recover funds because the XXXX had decreased in value. Coinbase support has admitted in writing that the purchase wasnt able to go through and the whole transaction didnt end up being completed. In other words, they admit the transaction failed and no tokens were delivered, yet they still charged me. 

This appears to be inconsistent with Coinbases own User Agreement : Section 3.8 says failed payments may result in cancellation or debiting another method to complete the transaction. Since no XXXX was ever delivered, this should have been treated as a canceled transaction, not a completed one with a shortfall. 
Section 4.2 says pending transactions are not complete and not available for use until confirmed. Again, this matches my case the XXXX only showed in activity, not in my wallet. 

I am seeking resolution because I was charged for crypto that was never delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
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 # XXXX * * - Date Opened XX/XX/year> -Balance {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn Credit Collection responded to my initial complaint that their actions followed law. That is untrue. Just because the allege letter was not returned does not mean it was received by ME. Unless they have my signature to prove it was delivered to me I have received NO SUCH NOTICE. Penn Credit Collection stated they would contact another company for debt validation. This statement then means I do NOT have an obligation with Penn Credit Collection so as such this account should be deleted. I will not file another complaint but Penn Credit Corporation will be immediately sued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 seven years.

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

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 2025-08-16 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: NY

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the continued reporting of inaccurate, unauthorized, and/or unverifiable accounts on my consumer credit file. The credit reporting agencies have failed to ensure the maximum possible accuracy of the information they report, in violation of the Fair Credit Reporting Act ( FCRA ).

Legal Violations : 1. 15 U.S.C. 1681b ( a ) ( 2 ) Prohibits consumer reports from being furnished without written authorization.

2. 15 U.S.C. 1681a ( 4 ) Defines consumer report subject to all FCRA protections.

3. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires blocking of information that is unverifiable, unauthorized, or resulting from identity-related issues. Reinsertion without proper certification is a violation of federal law.

The disputed items were not validated with original documentation ( such as signed contracts or written authorization ) and appear to have been processed through electronic or automated systems such as e-OSCAR, which do not meet the verification requirements under the FCRA.

Despite my previous disputes, these accounts continue to be reported, which is unlawful. I request CFPB oversight and enforcement to ensure that these items are blocked and permanently removed, and that the credit bureaus comply with all requirements under the FCRA. 
Accounts : - XXXXXXXX XXXX Account XXXX : XXXX - XXXX XXXX  Account Number : XXXX - XXXX  Account Number : XXXX - XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX - XX/XX/20XXXX XXXX XXXX XXXX XXXX  I have already filed a Police report Identity Theft with the Federal Trade Commission ( FTC ), which supports this complaint . Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are required to block and delete the disputed information upon receipt of an FTC Identity Theft Report and a written dispute. My FTC Report Number is : XXXX I respectfully request that the CFPB enforce compliance with the above laws, require the immediate blocking and delete permanently of the disputed information, and take appropriate action against the credit bureaus for their failure to comply, and Assurance that no reinsertion occurs without proper certification. I appreciate your prompt attention to this matter

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 2025-08-16 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: NY

Complaint narrative:
Consumer Complaint Draft TransUnion / Ally Financial Reporting Error Summary of Issue : I am filing this complaint because TransUnion has failed to properly investigate and correct inaccurate information related to an Ally Financial auto loan account that was repossessed, sold at auction, and fully satisfied. Despite clear evidence that the loan was settled in full, TransUnion continues to report the account as a charge-off, which is inaccurate and damaging to my credit. 

Details : The vehicle was repossessed by XXXX XXXX and sold at auction. 
The auction sale more than covered the balance of the loan. In fact, XXXX XXXX issued me a check in the amount of {$1900.00} on XX/XX/year>, representing the surplus after the loan obligation was satisfied. 
This establishes that the account was settled in full, with no remaining deficiency balance. 
However, TransUnion continues to report the account as a charge-off. This is factually false. 
Violations : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes information. TransUnion has
failed to do so by continuing to report this account inaccurately despite my evidence.

The FCRA also requires that only accurate, complete information be reported ( 15 U.S.C. 1681e ( b ) ). Reporting this account as a charge-off when XXXX confirmed through direct payment to me that the loan was satisfied violates this standard. 

Requested Resolution : I request that TransUnion immediately update my credit report to accurately reflect the status of this account. The account should not be reported as a charge-off. It should instead be reported as Paid in Full / Settled {$0.00} balance or removed entirely, as it is not derogatory.

I am requesting that the CFPB compel TransUnion to comply with the FCRA by : 1. Correcting the reporting of this account across all credit bureaus.

2. Ensuring that future reinvestigations are conducted properly and in compliance with the law.

Supporting Evidence ( available upon request ) : Copy of the XXXX XXXX check dated XX/XX/year>, in the amount of {$1900.00}.

Current TransUnion and other bureaus credit reports showing the inaccurate charge-off status.

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 2025-08-16 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: NY

Complaint narrative:
Consumer Complaint Draft XXXX  / XXXX XXXX Reporting Error Summary of Issue : I am filing this complaint because XXXX  has failed to properly investigate and correct inaccurate information related to an XXXX XXXX auto loan account that was repossessed, sold at auction, and fully satisfied. Despite clear evidence that the loan was settled in full, TransUnion continues to report the account as a charge-off, which is inaccurate and damaging to my credit. 

Details : The vehicle was repossessed by XXXX XXXX and sold at auction. 
The auction sale more than covered the balance of the loan. In fact, XXXX XXXX issued me a check in the amount of {$1900.00} on XX/XX/year>, representing the surplus after the loan obligation was satisfied. 
This establishes that the account was settled in full, with no remaining deficiency balance. 
However, TransUnion continues to report the account as a charge-off. This is factually false. 
Violations : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes information. TransUnion has failed to do so by continuing to report this account inaccurately despite my evidence.

The FCRA also requires that only accurate, complete information be reported ( 15 U.S.C. 1681e ( b ) ). Reporting this account as a charge-off when XXXX confirmed through direct payment to me that the loan was satisfied violates this standard. 

Requested Resolution : I request that TransUnion immediately update my credit report to accurately reflect the status of this account. The account should not be reported as a charge-off. It should instead be reported as Paid in Full / Settled {$0.00} balance or removed entirely, as it is not derogatory.

I am requesting that the CFPB compel TransUnion to comply with the FCRA by : 1. Correcting the reporting of this account across all credit bureaus.

2. Ensuring that future reinvestigations are conducted properly and in compliance with the law.

Supporting Evidence ( available upon request ) : Copy of the XXXX XXXX check dated XX/XX/year>, in the amount of {$1900.00}.

Current XXXX  and other bureaus credit reports showing the inaccurate charge-off status.

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 2025-08-16 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: NY

Complaint narrative:
Consumer Complaint Draft XXXX XXXX XXXX XXXX Reporting Error Summary of Issue : I am filing this complaint because TransUnion has failed to properly investigate and correct inaccurate information related to an Ally Financial auto loan account that was repossessed, sold at auction, and fully satisfied. Despite clear evidence that the loan was settled in full, TransUnion continues to report the account as a charge-off, which is inaccurate and damaging to my credit. 

Details : The vehicle was repossessed by XXXX XXXX and sold at auction. 
The auction sale more than covered the balance of the loan. In fact, XXXX XXXX issued me a check in the amount of {$1900.00} on XX/XX/year>, representing the surplus after the loan obligation was satisfied. 
This establishes that the account was settled in full, with no remaining deficiency balance. 
However, TransUnion continues to report the account as a charge-off. This is factually false.

Violations : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes information. TransUnion has failed to do so by continuing to report this account inaccurately despite my evidence. 
The FCRA also requires that only accurate, complete information be reported ( 15 U.S.C. 1681e ( b ) ). Reporting this account as a charge-off when XXXX confirmed through direct payment to me that the loan was satisfied violates this standard. 

Requested Resolution : I request that TransUnion immediately update my credit report to accurately reflect the status of this account. The account should not be reported as a charge-off. It should instead be reported as Paid in Full / Settled {$0.00} balance or removed entirely, as it is not derogatory.

I am requesting that the CFPB compel TransUnion to comply with the FCRA by : 1. Correcting the reporting of this account across all credit bureaus.

2. Ensuring that future reinvestigations are conducted properly and in compliance with the law.

Supporting Evidence ( available upon request ) : Copy of the XXXX XXXX check dated XX/XX/year>, in the amount of {$1900.00}.

Current TransUnion and other bureaus credit reports showing the inaccurate charge-off status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: LA

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 XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX -Balance {$2800.00} Account Name : XXXX # XXXX * * - Date Opened XX/XX/XXXX -Balance {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I am disputing Ford Motor Credits reporting of my auto loan and repossession timeline. I have an open complaint, I wanted to attach more information. 
Complaint # XXXX with CFPB Fords own account history shows my last payments occurred in XXXX and that no regular payments were made after late XXXX. Despite this, Ford coded the account as REPO SETUP on XX/XX/XXXX, and processed auction/charge-off on XX/XX/XXXX. This appears to re-age my account and extend negative reporting beyond the legal period tied to the Date of First Delinquency ( DOFD ). 

Payments recorded through XX/XX/XXXX ; no regular payments after late XXXX. 
Ford recorded REPO SETUP on XX/XX/XXXX. 
Post-auction and charge-off processed XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief