vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-12 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: PA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Per my previous complaint, # XXXX, portfolio recovery associates stated that they would cease all communication and harassment on this debt, {$810.00}, as the balance is over XXXX XXXX XXXX and in the state of XXXX  it can not be collected on at this point. Furthermore according to my XXXX  credit report this is a closed account, however the company refuses to make the balance XXXX. Today, XX/XX/year>, again after being promised by the company that they would see XXXX XXXX, I received a false notice of XXXX proceeding to collect debt. I reached out to the city of XXXX and they confirmed that no such Court proceeding had been requested. So not only is this notification a lie, which lines up perfectly with the company 's tactics, but it is also in violation of the agreement that they made per my previous complaints. The harassment continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$750.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-12 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date XXXX XXXXXX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
Your company is furnishing incorrect information to the CRA 's. Synovus is known for stating that there is absence of any evidence of error '' as a stall tactic so I have attached a screenshot of account XXXXXXXX XXXX XXXX XXXX XXXX  clearly showing inconsistencies in your reporting, specifically : XXXX  reports a 30 day late in XX/XX/XXXX while XXXX and XXXX report 90 days late. Also XXXX reports 60 days late in XX/XX/XXXX, while XXXX reports 30 days late and XXXX  reports XXXX '. XXXX  reports 30 days late in XX/XX/XXXX, yet XXXX and XXXX report XXXX '. XXXX  reports 60 days late in XX/XX/XXXX, yet no other bureau reports this. XXXX  also reports XXXX consecutive XXXX lates in XXXX and XX/XX/XXXX which is factually and procedurally incorrect, as delinquencies must escalate ( i.e., XXXX XXXX XXXX ), not remain static. The payment history inconsistent, non-uniform, and misleading. This is a direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) and 623 ), which mandates that data furnishers must ensure maximum possible accuracy when reporting consumer information. You can not place the blame on the credit bureaus when you, as the furnisher, are responsible for reporting data accurately to each of them. This is my second attempt to address this issue, and your continued failure to correct the error is unacceptable. Finally, I am aware that your cardholder agreement includes an arbitration clause. If this account is not removed from all credit reporting agencies within 7 business days, I will pursue arbitration, as well as report this noncompliance to the FTC, and other applicable regulatory authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
we paid the loan with a certified check westlake cleared the payment and the loan is paid. but they are not releasing my title.every phone called made to them is always a different story. im stuck at the moment because i sold the car and west lake has not provided the title so i can not give the title to the buyer and he is ready to return the vehicle. 
the loan number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
So in XX/XX/year> i got hacked on my XXXX  account and coinbase account. The hacker sold all my XXXX  on XXXX that i was holding because i was in negative. And on coinbase he sold everything around XXXX XXXX dollars. I immediately called robinhood and coinbase that i got hacked so they froze my account. XXXX froze my account and cancelled all the transactions but coinbase didnt do anything. I called them so many times and emailed them ( i have all the proof of emails ) and told them cancel all the transactions but they didnt do anything. After a while when i get back into my account i saw different bank account ( XXXX XXXX account ) and my my funds and gone. Coinbase didnt do nothing about it. I filled a police report, complaint to XXXX  and filled a complaint to ftc. I seeked legal action and talked to lawyers about it. But that wasnt helpful. That was my life savings and please i need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: OH

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized account information reporting to my credit report.These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 have repeatedly contacted XXXX XXXX regarding false late payment reporting on my credit reports. I have provided proof that payments were made on time, and the company have acknowledged receiving my payments. Despite this, each month they update my credit reports with new inaccurate information, causing my credit score to fluctuate and remain damaged.

I disputed the accounts directly with the credit bureaus under the Fair Credit Reporting Act ( FCRA ), but the inaccurate reporting continues. This repeated, monthly misreporting appears to be a willful violation of my rights under the FCRA. 

I am requesting that the CFPB require these companies to permanently correct or delete the inaccurate information with XXXX, Experian, and XXXX, and provide me written confirmation that the accounts will no longer be misreported.

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 2025-08-12 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: TX

Complaint narrative:
I have repeatedly contacted XXXX XXXX regarding false late payment reporting on my credit reports. I have provided proof that payments were made on time, and the company have acknowledged receiving my payments. Despite this, each month they update my credit reports with new inaccurate information, causing my credit score to fluctuate and remain damaged. 

I disputed the accounts directly with the credit bureaus under the Fair Credit Reporting Act ( FCRA ), but the inaccurate reporting continues. This repeated, monthly misreporting appears to be a willful violation of my rights under the FCRA. 

I am requesting that the CFPB require these companies to permanently correct or delete the inaccurate information with Equifax, XXXX, and XXXX, and provide me written confirmation that the accounts will no longer be misreported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I have repeatedly contacted XXXX XXXX regarding false late payment reporting on my credit reports. I have provided proof that payments were made on time, and the company have acknowledged receiving my payments. Despite this, each month they update my credit reports with new inaccurate information, causing my credit score to fluctuate and remain damaged.

I disputed the accounts directly with the credit bureaus under the Fair Credit Reporting Act ( FCRA ), but the inaccurate reporting continues. This repeated, monthly misreporting appears to be a willful violation of my rights under the FCRA.

I am requesting that the CFPB require these companies to permanently correct or delete the inaccurate information with XXXX, XXXX, and TransUnion, and provide me written confirmation that the accounts will no longer be misreported.

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 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
I actually had been considering maybe speaking with them if I could have confirmed the debt was mine and it would have been taken off my credit report but they became a nuisance and if the company is willing to break the calling laws I have no faith that they would keep to any agreement made with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
I tried to purchase a semi truck and I was denied because of my credit report according to 15 U.S.C 1681 it should not be any fraudulence on my report its a defamation of character!

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 2025-08-12 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: VA

Complaint narrative:
I tried to purchase a semi truck and I was denied because of my credit report according to 15 U.S.C 1681 it should not be any fraudulence on my report its a defamation of character!

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently reviewing my Experian Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I wouldl ike to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX VI XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA 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