vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: OK

Complaint narrative:
I am writing to dispute the presence of my XXXX  XXXX bankruptcy on my credit file. This dispute is not based on the existence of the bankruptcy, but on theillegal means by which TransUnion obtained the personally identifiable information used to place it on my report. 
In my bankruptcy XXXX, Northern District Bankruptcy Court of Oklahoma XXXX the court formally ordered the redaction of my full Social Security Number from all public documents to protect my privacy and prevent identity theft. My complete SSN isnotpart of the public record.

The fact that TransUnion is reporting this bankruptcy means you are in possession of and have used my complete Social Security Number to match this data to my file.

There is no legal method for you to have obtained my complete SSN from the public record of this case, as it does not exist there. Therefore, you must have obtained this protected information through other means, which raises serious legal concerns under : 1. The Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) : You have failed to maintain reasonable procedures to assure that your methods of obtaining data are legal and compliant with court orders. Obtaining and using a SSN that was sealed by a federal court is per se unreasonable.

2. The Court 's Redaction Order : Your data supplier, and by extension TransUnion, may be in violation of the federal bankruptcy court 's directive.

My Demands Under the FCRA : Pursuant to 15 U.S.C. 1681i, I demand that you conduct a reinvestigation. Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I formally demand youprovide me with : The name, address, and telephone number of the furnisher of the bankruptcy data.

A detailed description of the procedure used to obtain my complete Social Security Number, which is absent from the public record.

If you can not immediately provide verifiable and legal proof that you obtained my complete SSN through means that do not violate the bankruptcy court 's redaction order, you must promptly and permanentlydelete this tradeline from my credit file.

Your continued reporting of this item using illegally obtained identifying information will be consideredwillful non-complianceunder15 U.S.C. 1681n, and I will not hesitate to seek all available legal remedies, including filing a complaint with the bankruptcy court that issued the redaction order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I have coinbase account. They put restriction on so I could not sell my crypto. I tried for 20 days to get it removed. Today I got a call from XXXX at Coinbase Account XXXX, at XXXX as well as XXXX XXXX, ID number XXXX. his telephone is XXXX his call got dropped and XXXX XXXX Coinbase Account Services called me back due to dropped call. He explained to get the restriction lifted ( which he only could have known about a restriction if he was from coinbase, as I had not told either one of them ) He needed to reset the Coinbase wallet on the phone. He then drained the wallet of all my crypto. Approximately {$27000.00}. So I went to my coinbase website and sent one crypto coin from my coinbase portfolio on the website to my XXXX account, it went thru but when I tried to save other crypto in that portfolio, Coinbase froze my account and shut me out of it. results : coinbase wallet drained almost empty and coinbase account froze. The only way XXXX at Coinbase Account Services could have known about restriction is if this theft was an inside job of Coinbase employees. This is the wallet address they sent all of my crypto to : XXXX, I called XXXX at the above number many times today, but he will only let me leave a message and will not return my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion continue to report inaccurate and misleading information on multiple accounts I previously disputed. Despite my formal disputes, they have failed to correct or delete the items as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Accounts in Question : XXXX. XXXX XXXX XXXX Reporting contradictory dates ( Date of First Delinquency XX/XX/XXXX vs. account opening XX/XX/XXXX ). This is impossible, constitutes re-aging, and misrepresents the debt. Violates FCRA 1681e ( b ), 1681c ( a ) ( 4 ), and FDCPA 807 ( 2 ) ( A ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XX/XX/XXXX, yet a Balance Date of XX/XX/XXXX is reported. This artificially re-ages the debt past the XXXX reporting limit. Violates FCRA 1681e ( b ), 1681c ( a ) ( 4 ), and FDCPA 807 ( 2 ) ( A ).

4. GFS II LLC ( Auto Loan ) Reported multiple charge-off codes after the initial charge-off, inflated past-due amounts, and re-aged balance update dates. The payment history also contains contradictory codes. These actions violate FCRA 1681e ( b ) and 1681s-2 ( a ).

Additional Issue Failure to Provide IRS 1099-C : For the accounts in collections and charge-off status, I have never received a 1099-C ( Cancellation of Debt ) form from the creditor or debt collector. If these debts were charged off or canceled, creditors were required by IRS regulations to issue a 1099-C for any amount over {$600.00}. Their failure to do so while continuing to report the debt as collectible is misleading, deceptive, and further evidence that these accounts are being mishandled in violation of consumer protection laws.

Legal Grounds : FCRA 1681e ( b ) Requires consumer reporting agencies to ensure maximum possible accuracy.

FCRA 1681c ( a ) ( 4 ) Prohibits reporting adverse items older than 7 years.

FCRA 1681i ( a ) Requires reasonable reinvestigation of disputed items.

FCRA 1681s-2 ( b ) Requires furnishers to correct inaccurate or incomplete information.

FDCPA 807 ( 2 ) ( A ) Prohibits misrepresenting the legal status of a debt.

IRS Regulations Creditors and collectors must issue a 1099-C if a debt is canceled or charged off over {$600.00}.

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 non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Company : Affirm , Inc . 
Product : Personal Loan / Installment Loan Issue : Incorrect information on credit report / debt for services never received Complaint Narrative I am disputing an account with Affirm, Inc. ( Account ID : XXXX ). This account is being reported as a charge-off for {$6800.00}. 

This is inaccurate and invalid because : The debt stems from a subscription with BNBUniversity that I canceled due to health and financial hardship before any services were rendered. 

Despite cancellation, I never received any services. 

I contacted both XXXX and Affirm numerous times by email ( copies attached ). My cancellation request was ignored, and Affirm never provided a response with proof of a valid debt. 

I also sent Affirm multiple written dispute letters requesting validation. Affirm failed to provide any supporting documentation but still reported the account as a charge-off.

Reporting a debt without validation is a violation of the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ).

This inaccurate charge-off is severely damaging my credit report and financial well-being.

Resolution Requested Immediate deletion of this account from my credit reports with XXXX XXXX XXXX XXXX.

Written confirmation from Affirm that this invalid debt has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion LLC\nConsumer Dispute CenterXXXX XXXX XXXX XXXX XXXXRe: Formal Dispute of Auto Loan Account XXXXTo Whom It May Concern,\nI am formally disputing the accuracy of the following account being reported on my TransUnion file:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion reports this account as Derogatory even though XXXX XXXX XXXX both report it as Paid.\nThe Creditor Type is inconsistent: TransUnion lists Savings and Loan Companies, while the other bureaus report it as personal loan/auto financing.\nThe Date Reported XXXX does not match XXXX XXXX which is clear evidence of re-aging.\nCreditor Remarks differ between all XXXX  bureaus. TransUnion shows Repossession; Redeemed, while XXXX XXXX XXXX  show different language.\nIf the account has a XXXX balance, it should not continue to be reported as derogatory.\nUnder the Fair Credit Reporting Act (15 U.S.C. 1681i), all information reported must be 100% accurate and consistent. Due to these clear inaccuracies, I demand immediate deletion of this account from my TransUnion report.\nThis is not a request. This is a legal demand. Govern yourselves accordingly.\nSincerely,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 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I got XXXX XXXX XXXX with Comenity Capital Bank and on that same day I made a purchase of {$13000.00} of which I had paid {$9200.00}, with now a remaining balance of {$4100.00}. Comenity Capital Bank mislead me with wrong information about the promotional offer of a 2 year no interest payments. Im aware that my promotion ended on XX/XX/XXXX but Comenity Capital Bank did NOT told me that they will charge me {$7600.00} on interest charges, resulting in now according to them me having to pay them back the amount of {$11000.00} which is NOT true because I would Not be paying something I do Not own, they seem to be scammers. Comenity Capital Bank is/was Not honest and ethical with me since the beginning after I made my purchase, the first thing they did was that they never sent me the credit card, the second thing they did was that they closed my account causing damage to my credit score and the last drop is what they just did to me : charging me a monstrously interests on a debt Im almost finish paying of which I had never miss a payment and of which I was not informed about how they charge interests, I was told that they charged regular monthly interest of 29.99 % in case I was not finish paying my debt after the 2 year period, I was not informed that they do some kind of deferred interest charges, something I had to recently figure out on my own because I had called and asked them about this matter but they did not had any answers for me and did not helped me by explaining what/why this was happening. Comenity Capital Bank has being dishonest and corrupt since I made my purchase if had I known how they do things I would had never get their credit card on the first place. They are not professionals but scammers who misled people with wrong information and no Custumer Service line to assist with this matters and in addition to that they way they process payments are not fair either because it happened to me that if I did not made my payment a day before or before XXXX of my due date they will not consider the payment as on time but as a late payment and will charge {$30.00} to {$41.00} as late fees for late payment according to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXTo:\nTransworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXXRe: Formal Dispute of Alleged Debt  Account XXXX XXXX Amount: XXXXPursuant to 15 U.S.C. 1692g\nTo Whom It May Concern,\nI am formally disputing the alleged debt referenced above. You claim I owe XXXX under account XXXX This debt is not recognized, and I am demanding full validation pursuant to the Fair Debt Collection Practices Act (15 U.S.C. 1692g).\nYou are hereby notified:\nAll collection activity must cease immediately until proper validation is provided.\nYou must supply:\nA copy of the original signed contract/agreement establishing a legal obligation to pay.\nA full itemized accounting of the alleged balance, including all fees, interest, and charges.\nProof of your legal authority and ownership to collect on this account (chain of title, assignment agreements, bill of sale, etc.).\nVerification that this account is not past the statute of limitations for collection in my state.\nLet me be clear: a bill or statement is not validation. A bill is not validation under federal law. Courts have consistently held that mere billing records do not satisfy the debt collectors obligation to provide full verification.\nIf you cannot produce the required documentation within 30 days, you must:\nDelete this account XXXX from all credit bureau reporting (XXXX XXXX XXXX\nCease all collection attempts permanently.\nUnderstand that continued violations will result in complaints being filed with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my State Attorney Generals Office, in addition to potential civil litigation for damages under 15 U.S.C. 1692k.\nThis is a legal demand  not a request. Govern yourselves accordingly.\nSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Request for Full Consumer File Disclosure Pursuant to 15 U.S.C. 1681g To Whom It May Concern : This is a formal request for disclosure of all information in my consumer file pursuant to 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ).

Please provide me with : 1.All information in my consumer file at the time of this request.

2.The sources of the information.

3.A list of all persons ( including companies or entities ) who obtained a consumer report about me within the last two years for employment purposes, or within the last one year for any other purpose.

4.The identification of each consumer reporting agency that has furnished a report about me.

5.A clear and accurate explanation of the codes, trade lines, and all information contained in the file. 6.Any record of inquiries, soft or hard. 7.The dates, original creditors, and amounts related to any negative items reported. 8.All information relating to any consumer disputes I may have filed. I request that you mail this disclosure to the address listed above. Please also provide me with any relevant instructions for reviewing or disputing items in my file. This request is being made under my rights pursuant to the FCRA, specifically 15
U.S.C. 1681g, and I expect compliance within the legally required timeframe.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
b'Ive sent over debt validation letters several times and numerous occasions and never get a response'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: PA

Complaint narrative:
While I understand that the late payments did occur, I respectfully request a goodwill adjustment for their removal. Since the account is closed and paid, I believe continuing to report negative history on it does not reflect the current reality of my financial standing. I have taken responsibility for past challenges and have worked diligently to keep all other accounts current since that time. 

At present, these late payments are significantly impacting my credit score and preventing me from moving forward with the purchase of a home. As a valued former customer, I kindly ask that KOVO extend a goodwill courtesy by requesting deletion of the late payment history from my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is a formal request pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681g [ FCRA 609 ( a ) ( 3 ) ]. Under federal law, I am entitled to a full disclosure of all information in my consumer file, including the source and permissible purpose certification of each entity that has accessed my credit report.

Upon reviewing my TransUnion credit file, I discovered multiple inquiries that I did not authorize. These unauthorized inquiries are damaging my credit profile, causing severe implications to my financial well-being, including relegation to subprime credit products and exclusion from fair participation in commerce. Accordingly, I am demanding that TransUnion : 1. Provide the name, address, and permissible purpose certification relied upon for each of the inquiries listed below ; and 2. Remove any inquiry for which you can not produce documented eviden
ce of a lawful permissible purpose under FCRA 604.

The inquiries in question include but are not limited to : XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I booked an XXXX weekend stay. The hosts account was allegedly hacked. The person impersonating the XXXX host messaged me via the XXXX app asking for a security deposit of {$700.00} to be payed via XXXX. I questioned the request but ultimately submitted the payment via XXXX. 

The host then regained control of their XXXX account and informed me that the request was fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding ( XXXX XXXX ) I properly canceled my service with them after paying my final bill in full. Despite this, the company has placed an alleged balance into collections, claiming I owe charges {$220.00} related to canceling service and switching to another provider. 

These charges are false and improper because I satisfied my account in full at the time of cancellation. The companys actions are misleading, and the collection account is now being reported on my credit report, causing damage to my creditworthiness. 

I have disputed this with the company, but they have failed or refused to correct the error. The placement of this inaccurate collection account is a violation of my rights under federal law. * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Creditors and collectors must furnish accurate information to credit bureaus. 
Under FCRA 623, furnishers can not knowingly report false information.

You have the right to dispute inaccurate reporting, and they must investigate.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( applies if a debt collector is involved ) Prohibits debt collectors from attempting to collect amounts not owed.

False representation of a debt ( like claiming you owe cancellation fees you do not ) is a violation.

3. Consumer Protection under FTC Act ( 15 U.S.C. 41-58 ) Unfair or deceptive billing practices ( such as charging cancellation fees not owed ) are unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX  I called Capital One and asked why my interest rate was so high every time I paid a payment interest rate would take over the payment as if I didnt make a payment it was so bad that capital one end up charging the card off I tried settling the payment they wanted XXXX I settled with capital one for XXXX but thats mostly interest fees.

Company response to consumer: Closed with explanation