vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am disputing the following accounts with Equifax due to inaccuracies and incomplete reporting. 

Charged Off Accounts : 1 XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Inquiries : XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Bank XXXX Date XXXX XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX XXXX BANK XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX BANK Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
For over 15 months, I have been paying {$54.00} every month toward my Milestone credit card through automatic payments. I originally used only a few XXXX dollars on the card and believed that my automatic monthly payments were reducing the balance. 

However, I recently discovered that the company has been charging recurring monthly fees ( $ XXXX per month ), credit protection fees, and interest on those fees in a way that prevented my payments from reducing the principal balance at all. Despite consistent on-time automatic payments for well over a year, the balance barely changed and in some months even increased. 

At no point was I clearly informed that my payments were being applied almost entirely to fees rather than reducing the actual balance. I was not notified that ongoing fees would effectively cancel out my required monthly payment. This feels deceptive and predatory, especially given that I was enrolled in auto-pay and had every reason to believe the account was being responsibly paid down. 

I contacted the company, and although I closed the account to stop additional fees, they have refused to adjust or remove the excessive fees and interest that accumulated for more than a year. 

I am requesting a full review of the account, removal of the accumulated monthly fees and credit protection charges, and a correction to the balance so that it reflects the payments I have made. This situation has caused financial harm and appears to be an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
These accounts are not associated with me ; take them off within 15 days in accordance with USC 1681g.

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 2025-12-04 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: GA

Complaint narrative:
I am writing to dispute the following accounts, which I believe are reported incorrectly or inaccurately. Please review the information below : ============================== CHARGED OFF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: WV

Complaint narrative:
Request for Investigation Missing/ Blank Credit Information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccurate and harmful entries that are currently being reported on my credit file. These accounts contain wrong payment information, false derogatory remarks, and items that I have no knowledge of. These errors are severely damaging my creditworthiness and causing financial hardship. I am requesting a full investigation and immediate correction under the Fair Credit Reporting Act ( FCRA ). 
Below are the disputed accounts with specific issues : 1. XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Status Reported : Late Payment Comment : I am disputing the reported late payment because this information is completely inaccurate. I never made any late payments on this account, and the reporting is false and misleading. I am requesting immediate correction of the payment history. 
2. XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$2600.00} Status Reported : Late Payment Comment : The late payment status being reported is incorrect. I have no late payments on this account, and the inaccurate reporting is harming my credit score. I request that this payment history be corrected to accurately reflect my on-time payments. 
XXXX. XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$0.00} Status Reported : Collection Comment : I have no knowledge of this collection account. I was never contacted, notified, or given any validation. This appears to be fraudulent or incorrectly assigned. Under the FCRA, I am requesting deletion of this account from my credit report. 
These inaccurate accounts are causing ongoing financial difficulties, emotional stress, and barriers in accessing fair credit opportunities. I am requesting : A full investigation into each item Immediate correction or deletion of inaccurate data Written confirmation of the outcome Thank you for your prompt attention

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I purchased a motor vehicle from XXXX XXXX XXXXXXXX XXXX on XX/XX/year>. The dealership represented that the sale was final, delivered permanent license plates, issued registration and title in my name, and indicated financing approval with Ally Financial. 

Violations/ Misrepresentations : Predatory Lending/ APR Misrepresentation APR was XXXX %, despite my XXXX XXXX XXXX and fully paid-off prior vehicle and promising a deal of XXXX % apr then later stating the financer ( Ally ) required XXXX  % when they actually hadnt required anything let alone obtain or acquire the contract to create such stipulations. 

Dealer did not disclose multiple lender options as required by TILA 15 U.S.C. 1601 et seq. and Regulation Z ( 12 CFR 1026 ). 

Spot Delivery / Incomplete Contract Spot Delivery Agreement was signed under duress with the funding period left blank violates Florida Statute 520.07 and UCC 2-608.

Illegal Down Payment Dealer accepted {$1000.00} cash from me directly despite this being a consumer credit transaction violates Florida Statute 520.08 ( 2 ).

Inflated Price / Bait & Switch Advertised {$23000.00} XXXX $ XXXX without disclosure. 

Odometer Discrepancy Dealer documents listed XXXX miles ; actual XXXX miles ( photo proof ). Violates 49 U.S.C. 32705 & Fla. Stat. 319.35.

Premature Lien / Title Assignment Ally listed as lienholder although financing was never finalized ; misrepresentation / fraudulent assignment under Fla. Stat. 319.23 & 319.27.

High-Pressure / Misrepresentation of Inventory Dealer told me only this vehicle was available, despite other vehicles on the lot and better financing options. 

Threats of Repossession Dealer threatened repossession without legal notice or denial potential violation of Florida Statute 521.006 and FTC guidelines.

Insurance Requirement Misrepresentation Required to obtain insurance before contract or funding was finalized, creating financial reliance / damages. 

Previous Dispute / Case Reference : CFPB Complaint Case # : XXXX filed XX/XX/year>, against XXXXXXXX XXXX  XXXX , closed pending additional information. This submission expands upon that complaint, providing additional evidence and violations, and including Ally Financial as a party now actively contacting me for payment. There are multiple violations and various penalties stemming from this interaction and deal that was certainly not done in good faith and my research of the company thus far XXXX XXXX XXXX XXXX XXXX  has a reputation for said behavior and the fanancor ( ALLY FINANCIAL ) has a reputation for [ urchasing/obtaining faulty or fradulent contracts and use force manipulation and illegal coercian to incite repossessions and continued debt within consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
It is very upsetting that these inaccurate accounts continue to stay on my credit report, and nothing has been cleared out. I am urgently asking that my submitted documents be checked completely so I can finally stop living with this constant worry.

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 2025-12-04 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: VA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit 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 non-monetary relief
Consumer complaint received 2025-12-04 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have asked numerous times since XXXX how to withdraw my money from coinbase XXXX wallet. They have no idea how to do it and give me the runaround They claim it is a system error however the error has bee ongoing since XXXX? Multiple other people online with the same issue. They are stealing money. Now they give me a deadline to withdraw the funds before XX/XX/XXXX or they will be lost but it will not allow me to withdraw them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-04 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: GA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: UPGRADE, INC.
State: FL

Complaint narrative:
Subject : Request for Investigation and Permanent Removal of Inaccurate and Duplicate Negative Accounts from Credit Report Dear Consumer Financial Protection Bureau I am writing to formally dispute several inaccurate and possibly duplicate entries that appear on my credit report. I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information I believe to be inaccurate or unverifiable. Below are the accounts I am challenging : XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Reported Balance : {$840.00} and {$440.00} I request a thorough investigation to verify the accuracy and validity of this account. If it can not be fully verified, please remove it from my report. XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, Arizona XXXX Reported Balance : {$380.00} I request that this account be investigated for accuracy and verified in compliance with the FCRA. If unverifiable, it should be removed. Please investigate these accounts and provide me with written results of your findings. If you find any information to be inaccurate or unverifiable, I request the prompt deletion of such entries from my credit file. I have enclosed a copy of my government-issued ID and a recent utility bill to verify my identity. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts and items on my credit report. These items are inaccurate and need to be corrected according to the Fair Credit Reporting Act ( FCRA ). Please investigate these disputes thoroughly and make the necessary updates. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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