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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Complaint Against Equifax for FCRA Violations To Whom It May Concern, I am filing this complaint against Equifax for failing to correct inaccurate information in my credit file despite multiple disputes. 

I provided official documentation from XXXX XXXX confirming that my account was paid on time and fully satisfied, and no debt was owed. Nevertheless, Equifax continues to report inaccurate and misleading information, including a charge-off status / collection transfer, which damages my creditworthiness. 

This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), Sections 607 ( b ) and 611, which require the bureau to ensure maximum possible accuracy and to properly investigate disputes.

I respectfully request that the CFPB require Equifax to : 1. Conduct a proper reinvestigation in compliance with FCRA. 
2. Remove all inaccurate and unverifiable information from my credit file.

3. Provide me with an updated credit report reflecting the corrections. 

I am attaching copies of my XXXX XXXX statement and prior dispute letters as supporting evidence. 

Thank you for your prompt attention to this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland credit management Could not provide any validation XXXX account closed and the account is incorrect on all three bureaus XXXX beauty incorrect all accounts are different with the wrong information XXXX XXXX didnt provide validation on this closed account XXXX XXXX account is different on all accounts. No validation for this 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The personal information on my credit report were outdated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The personal information on my credit report were outdated.

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: 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 sent XXXX XRP from my wallet to my Coinbase deposit address. 
The transaction hash is XXXX. 
The transaction was successfully confirmed on the XXXX XXXX, but the funds were never credited to my Coinbase account. 

After contacting Coinbase support, they admitted that the transaction reached XXXX of Coinbases internal addresses instead of my account because of a missing destination tag. 
However, instead of crediting my funds, Coinbase required me to send an additional XXXX XRP as a test deposit to prove ownership. 

This is unfair and places an unreasonable financial burden on me, because I no longer hold any XRP and would have to purchase more just to recover my own funds. 
My funds are already in XXXX internal wallet, and Coinbase has the technical ability to return them. 

I am requesting that Coinbase be required to credit the full XXXX XRP back to my account without obligating me to purchase and send additional XRP. 
If Coinbase insists on requiring a test deposit, then I also request that the XXXX XRP plus any network fees already spent be refunded.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: 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: TN

Complaint narrative:
XXXX XXXX ( XXXX ) is inaccurately reporting my closed account. The account is listed as Paid/Closed, yet the payment history codes show XXXX ( XXXX ) for over two years ( 25 months ). This creates the false impression that the account is still a collection, which is inaccurate and misleading. 

I disputed this with Experian ( Dispute # XXXX ), but they verified the reporting in less than 24 hours without correcting the contradiction. 

Under the Fair Credit Reporting Act 607 ( b ) ( reasonable procedures to assure accuracy ) and 623 ( a ) ( 2 ) ( duty to correct and update ), this is not compliant. A paid/closed account should not be coded as an ongoing collection. 

Requested Resolution : Correct the reporting to show Paid/Closed with no collection notations, OR Delete the account entirely if accurate reporting can not be ensured. 

This misleading derogatory reporting is unfairly and illegally damaging my credit score and preventing me from obtaining credit.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/scrub>/2025 I received an alert that a creditor has reviewed my credit. I checked and I noticed inquiries on my credit report that I have never applied for and would like them removed. I have requested them to be removed they are not linked to any open accounts I have. Therefore, I am requesting to have them removed as soon as possible.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
I am disputing a collection account reported by ACIMA DIGITAL FKA SIMP, Account # XXXX. This account is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the furnisher and credit reporting agencies must ensure all reported information is accurate and complete.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ), I have requested the collector to cease communication and validate the alleged debt. To date, they have failed to provide proper validation, yet continue reporting and attempting to collect.

I request the CFPBs assistance to ensure this collection is deleted from my credit file unless full, verifiable documentation is provided.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have previously disputed XXXX, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
The previous complaint XXXX was closed because the system said that the company responded. 
XXXXXXXX XXXX has escalated this dispute by transferring the invalid debt to Midland Credit Management for collection. The original debt is comprised of unlawful retroactive interest charges. Rather than address the merits of my complaint, XXXXXXXX XXXX action appears to be a retaliatory measure to bypass your office 's investigation and coerce payment of amounts not legally owed. This tactic further violates the Fair Debt Collection Practices Act ( FDCPA ) and the Illinois Consumer Fraud Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I filed a claim with Bank Of America on XX/XX/year>. I was getting money stolen from me, unknowingly from a company called TME * since last year. The entire amount stolen from my account was XXXX. Bank of America only refunded me XXXX, which means they let the fraudulent company keep the remaining XXXX that was stolen from me. The reason Bank of America gave was not a valid one in my opinion. I was told that I logged into my account too many times without realizing the fraud that was taking place. Essentially blaming me for having money stolen out of my account.

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 monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX account with Chase is currently being reported on my credit file with a charge-off status. After reviewing my records, I believe this reporting is inaccurate and/or incomplete. I thought I had fully paid off the loan with them XX/XX/year>. 

As of the last provided statement, dated XX/XX/year>, The principal balance due on clients vehicle, financed through Chase Auto, was {$1100.00}. 

Payments as follows were made to satisfy the loan in full with Chase Auto : XX/XX/XXXX, XXXX {$580.00} XX/XX/XXXX, XXXX {$580.00} XX/XX/XXXX, XXXX {$9.00} ( Final Payment to satisfy remaining balance ) Chase Auto has claimed there to be a late fee charge of {$50.00}. No proof of when this late payment occurred was ever made to client. 

Client has disputed this charge on several occasions and asked for the charge to be removed from the account.

Chase Auto has refused to show proof of this late fee and as of XX/XX/XXXX filed with the credit bureaus that the account was charged-off for non-payment. I was unaware of this matter until XXXX of 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

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

1681c2 ) that you, the Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$00.00} 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, 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 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
The company shell point mortgage remove the the property insurance of the escrow. 
I talk with them and ask me to send a letter, asking to putting back the payment of the insurance and escrow together and I did, they never responded never put the payment of the insurance together with the escrow now I talk XXXX time to them and they tell me they gona put my insurance with the escrow they never did I call the XXXX time now they put me a the XXXX XXXX XXXX necessarily is more expensive and not my insurance because they dont want to to put the payment of the escrow and insurance together.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial XXXX  and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately reported on my credit file. I have no connection to this account, never authorized it, and have never used it in any capacity. Its presence is misleading, false, and damaging to my financial standing.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am the victim of identity theft and fraudulent use of my personal information involving a XXXX XXXX XXXX account. This account was not opened or authorized by me. I reported this fraud to XXXX XXXX XXXX, and they acknowledged my report, stating they would investigate. Despite this, they failed to fully resolve the matter. The account was eventually closed as fraudulent, yet XXXX XXXX continues to treat it as if I owe a balance. 

The Office of the Comptroller of the Currency ( OCC ) was also made aware and sent me a letter stating that if XXXX  XXXX did not correct this matter, I should escalate further. Despite XXXX XXXX knowledge that this account resulted from fraud, they continue to place harassing collection calls to me, which is a violation of the FDCPA. 

To make matters worse, XXXX XXXX is furnishing false information to TransUnion. TransUnion is reporting a past due balance of {$160.00} and showing that 79 % of the balance remains to be paid. This is completely inaccurate, as the account is closed due to fraud. By contrast, XXXX  is reporting the account correctly as paid/closed, which proves the inconsistency. 

As a direct result of this false reporting, my credit score has been severely harmed. When TransUnion began reporting this fraudulent account as past due, my credit score dropped by XXXX points. This has damaged my ability to obtain credit, housing, and financial stability. 

XXXX XXXX knew the account was fraudulent, admitted they would investigate, yet continues to allow collection attempts and inaccurate reporting. This demonstrates willful neglect and bad faith. 

Violations include : FCRA 607 ( b ) : Failing to ensure accurate and consistent reporting.

FCRA 611 : Failing to properly reinvestigate disputes.

FDCPA 805 & 807 : Harassing calls and misrepresenting a fraudulent account as collectible.

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