vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Derogatory Credit Reporting XXXX XXXX Credit Card ( Credit Report # XXXX ) To Whom It May Concern, I am writing to formally dispute the derogatory information reported on my credit file regarding my XXXX XXXX XXXX XXXX XXXX concerning missed or late payments for the months of XXXX, XXXX, and XXXX of XXXX. 

During this period, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

While I was away, I made multiple attempts to contact your customer service team to inquire about the status of my account. Each time, I was assured that my circumstances were understood and that my account would be placed on autopay. I agreed to this arrangement. Despite these assurances, I later found that a derogatory mark had been placed on my credit report for the payments in question. 

I spoke with representatives XXXX, XXXX, and XXXX, XXXX of the managers, who confirmed that XXXX, XXXX, and XX/XX/XXXX were the months during which my payments were missed. However, I was never contacted about any outstanding payments, and I was unaware that autopay had not been activated as I had requested in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it wasnt until later that I learned autopay wasnt initiated until XX/XX/XXXX. 

I have been a loyal XXXX XXXX cardholder since XXXX, and this situation is both distressing and unwarranted. Therefore, I respectfully request that XXXX XXXX and the credit reporting agenciesEquifax, XXXX XXXX XXXXXXXX this inaccurate and harmful information from my credit report immediately. The current reporting is unjustly impacting my credit score and my ability to make necessary purchases. 

Attached, you will find a letter from the XXXX XXXX verifying the personal loss I experienced. 

Thank you for your attention to this matter. I appreciate your prompt assistance in rectifying this error. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In an attempt to look into purchasing a car, there were flags to my credit. I subscribed to XXXX and they were able to flag that there was a fraudulent line of credit opened with a one XXXXXXXX XXXX  and the debt was sent to a one RESURGENT to collect. 

There was also a a fraudulent account for XXXX XXXX coupons ( formerly known as food stamps ) that were taken out of my name and are also fraudulent. 

I have also heard of a XXXXXXXX XXXX account taken out in my name and is also fraudulent. 

Most if not all of these accounts are sourcing back to a XXXX XXXX XXXX XXXX WASHINGTON XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: WI

Complaint narrative:
I recently obtained a copy of my credit report and noticed some accounts and hard inquiries that I did not authorize, this has been very frustrating and heartbreaking as I am in the process of buying a home for my family.

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 2025-06-16 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: FL

Complaint narrative:
This account was charged off on the following XXXX. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. I have properly investigated this account after being instructed to do so TWICE, and your neglect has violated my rights. I am demanding a deletion of the following account : Name : XXXX XXXX XXXX XXXX Account Number : 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 2025-06-17 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I did not apply for this account. This is identity theft this is not my account Im requesting for these items to be removed. Immediately XXXX XXXX XXXX XXXX keeps committing fraud, the special handling department for all three of these credit bureaus pacifically agent by the name of XXXX. From XXXX XXXXThey keep saying that they have not received my credit dispute are the identity theft report I recommend XXXX XXXX XXXX and XXXX  be put under investigation for not removing negative items From my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: TX

Complaint narrative:
Lexisnexis was sent and received a court judgement and cease & desist letter on XX/XX/year> via certified and regular mail. The documents were received by LexisNexis on XX/XX/year>. LexisNexis responded with a form letter that they were unable to identify me. After several phone calls a supervisor refused to comply with the court judgement or cese and desist letter, but did place some items in dispute. On XX/XX/year> I received a letter with a URL to view my credit report. This is now the XXXX  inoperable url and pin combination I have received from LexisNexis. Representatives and online searches confirmed this is a frequent problem. LexisNexis has violated my FCRA Rights by refusing to provide a copy of my credit report following a dispute ( FCRA XXXX XXXX XXXX Code XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I deposited a check from a friend of mine in California for {$5000.00} on XXXX. They put a XXXX day hold which was completely understandable. XX/XX/XXXX I received an email stating the check cleared. I was then notified that day that funds were not available and I needed to get a notorized letter to prove check was real. Submitted this paperwork on XX/XX/XXXX and have now been notified I need to get another letter for another deposit ( separate from this one for {$700.00} ) that already cleared my account weeks ago. Have been advised the {$5000.00} will not be released until I receive the letter for other check

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced

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 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Platform : Coinbase.com Case Number : XXXX Date of Incident : XX/XX/year> On XX/XX/year>, my XXXX account was compromised while I was actively using my computer. 
I did not click on any links, open suspicious emails, or download any unauthorized software. 
Suddenly, I received a security alert from XXXX notifying me of suspicious activity. 

I immediately reset my XXXX password, logged out of all sessions, and performed malware scans across all of my devices. 
I then logged into all my financial accounts including banks, brokerages, and crypto platforms to ensure everything was secure. 

All accounts were intact except for Coinbase. 

Over {$62000.00} worth of cryptocurrency was stolen from my Coinbase account, without my knowledge or authorization. 

I submitted a support ticket to Coinbase and received a reply on XX/XX/year>, stating that they were not responsible, claiming the hacker had accessed my account using my email and password. 

However, I had strong security settings enabled on my Coinbase account, including : Authenticator-based 2FA Device verification Withdrawal restrictions Despite this, the hacker was able to log in from XXXX ( I reside in California ) using a new, unrecognized device and still managed to bypass 2FA and complete multiple transfers. 
Coinbase failed to block or even alert me of this abnormal activity. 

To support my case, I sent Coinbase screenshots showing that other platforms ( XXXX, XXXX, my bank, etc. ) detected and blocked login attempts from the same IP region on the same day. 
Only Coinbase allowed unauthorized access and fund transfers. 

I am requesting that the CFPB investigate Coinbases security failure and force them to take accountability for allowing this breach despite multiple red flags and high-security settings on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-16 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: CA

Complaint narrative:
Please remove the following items from my credit report : - ADDRESSES : - XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : - XXXX XXXX XXXX XXXX XXXX  JUST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : - XXXX  XXXX LATE PAYMENTS : - XXXX  XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NV

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-17 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: DE

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 REASONALBLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCUARTE.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
{$1600.00} XXXX XXXX XXXX I sent in a template asking for original signature for account. XXXX  credit bureau already removed it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
XXXX XXXX XXXX XXXX XXXXXXXX and other XXXX XXXXXXXX denied my XXXX  XXXX and Purchase because of Experian, Transunion and Equifax still has XXXX XXXX LOAN XXXX Frauds and Corrupted TXXXX XXXX on my credit reports from after XX/XX/2022 till Present and its XXXX  my credit 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 explanation
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
Timeshare settlement determine what we are responsible for which does not allow charge back 3 years later. Remove charge back for $ 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 2025-06-16 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief