vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX LVNV FUNDING LLC RE : Dispute of Debt Request for Validation under XXXX USC XXXX To Whom It XXXX Concern : I am writing in response to a entry on my credit report received on XX/XX/XXXX regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX ), XXXX U.S.C. XXXX, I am formally requesting that you provide validation of the alleged debt. 

Please provide the following information : XXXX. The name of the original creditor ; XXXX. The amount of the alleged debt, including any interest, fees, or charges ; XXXX. A copy of any judgment, if applicable ; XXXX. Verification that you are authorized to collect debts in my state ; XXXX. A copy of the original agreement or other documents that prove I am legally obligated to pay this debt. 


Be advised that during the investigation and validation of this debt, you must cease all collection activities, including reporting this debt to any credit reporting agencies. 

If you can not provide this information, you are required by law to stop collection efforts and remove any negative information you may have reported about this debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX CREDIT/XXXX  SC XX/XX/year>, XXXX FINANCIAL XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  SERVICE XX/XX/year> XXXX XXXX XX/XX/year>, XXXX  FINANCIAL XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> & XXXX XXXX XXXX XX/XX/year>

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 2025-04-29 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: EQUIFAX, INC.
State: MS

Complaint narrative:
( XXXX XXXX XXXXXX/XX/XXXX ) Equifax XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX EQUI XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have a fraudulent account in my credit report, which I reported to HSBC BANK, yet HSBC BANK is not removing this fraudulent account. HSBC BANK has no right to refuse to remove this fraudulent account because I am a victim of identity theft, and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet HSBC BANK has refused to do this. The following is the fraudulent account : HSBC BANK / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
In XX/XX/year> cancelled car insurance before renewal date. Call in spoke with rep and paid the cancellation amount. Few months later I got a call that there was an additional {$50.00} balance that I owed. I disputed this with them and confirmed my payment amount that was given to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Robinhood advertises XXXX XXXX XXXX. Paying XXXX dollar per month for XXXX membership advances the wait list for XXXX XXXX application, yet I and lot of Robinhood customer continue to pay the monthly XXXX dollar XXXX  membership and Robinhood would not disclose how long it will take for customers to be able to apply for the Credit Card or average wait time for the Consumers to apply for the Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
Subject : Second Urgent Request for Immediate Deletion of Unauthorized Account - XXXX XXXXXXXX XXXX - Failure to Comply with Previous Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-29 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: TX

Complaint narrative:
XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX My social security number is XXXX * * Subject : XXXX XXXX XXXX Equifax, TransUnion, and Furnishers for FCRA Violations and Credit Harm * * To the Consumer Financial Protection Bureau ( XXXX  ), I am filing a formal complaint regarding systemic failures by Equifax, TransUnion, and multiple data furnishers to comply with the Fair Credit Reporting Act ( XXXX  ) and XXXX XXXX Compliance guidelines. These entities have allowed unverified, inaccurate information to severely damage my creditworthiness, resulting in a * * XXXX point XXXX XXXX drop * * and denial of critical financial opportunities ( housing, auto loans, credit ). 

# # # * * Background of Violations * * Despite submitting detailed disputes to Equifax and TransUnion ( via certified mail on [ insert date ( XXXX ) ] ), both bureaus negligently retained the following unverified accounts, violating XXXX U.S.C. XXXX : XXXX. * * XXXX BANK * * : Falsely reported as delinquent without validation. 
XXXX. * * XXXX XXXX XXXX * * : Inaccurately labeled late despite on-time payments. 
XXXX. * * XXXX XXXX * * : Conflicting statuses across reports ; no proof of delinquency. 
XXXX. * * XXXX  * * : Erroneous delinquency marks, disregarding payment records. 

The furnishers of this data failed to investigate or correct errors as required under FCRA XXXX ( b ), and the bureaus ignored their duty to reasonably reinvestigate. This collective negligence has caused devastating financial and emotional harm, obstructing my ability to secure basic necessities. 

# # # * * Request for CFPB Intervention * * I urge the CFPB to : XXXX. Investigate Equifax, TransUnion, and the listed furnishers for XXXX XXXX XXXX. 
XXXX. Demand immediate deletion/correction of all inaccuracies. 
XXXX. Ensure compliance with federal law to prevent further consumer harm. 
XXXX. Explore punitive measures for reckless reporting practices. 

# # # * * Conclusion * * The CFPB must hold these entities accountable for their disregard of federal law and the profound harm inflicted on my financial stability. Failure to resolve this matter will compel me to pursue all legal remedies, including litigation under FCRA XXXX for willful non-compliance. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX My social security number is XXXXXXXX XXXX XXXX Subject : Formal Complaint Against XXXX, XXXX, and Furnishers for FCRA Violations and Credit Harm XXXX XXXX To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint regarding systemic failures by XXXX, XXXX, and multiple data furnishers to comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance guidelines. These entities have allowed unverified, inaccurate information to severely damage my creditworthiness, resulting in a XXXX XXXX XXXXXXXX point credit score drop XXXX XXXX and denial of critical financial opportunities ( housing, auto loans, credit ). 

XXXX XXXX XXXX XXXX XXXX Background of Violations * * Despite submitting detailed disputes to Equifax and TransUnion ( via certified mail on [ insert date ( s ) ] ), both bureaus negligently retained the following unverified accounts, violating 15 U.S.C. 1681i : 1. XXXX XXXX XXXX XXXX XXXX XXXX : Falsely reported as delinquent without validation. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Inaccurately labeled late despite on-time payments. 
3. XXXX XXXX XXXX XXXX XXXX XXXX : Conflicting statuses across reports ; no proof of delinquency. 
4. XXXX XXXX XXXX XXXX XXXX  : Erroneous delinquency marks, disregarding payment records. 

The furnishers of this data failed to investigate or correct errors as required under FCRA 1681s-2 ( b ), and the bureaus ignored their duty to reasonably reinvestigate. This collective negligence has caused devastating financial and emotional harm, obstructing my ability to secure basic necessities. 

XXXX XXXX XXXX XXXX XXXX Request for CFPB Intervention XXXX XXXX I urge the CFPB to : 1. Investigate XXXX, XXXX, and the listed furnishers for FCRAXXXX XXXX violations. 
2. Demand immediate deletion/correction of all inaccuracies.

3. Ensure compliance with federal law to prevent further consumer harm.

4. Explore punitive measures for reckless reporting practices. 

XXXX XXXX XXXX XXXX XXXX  Conclusion XXXX XXXX  The CFPB must hold these entities accountable for their disregard of federal law and the profound harm inflicted on my financial stability. Failure to resolve this matter will compel me to pursue all legal remedies, including litigation under FCRA 1681n for willful non-compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-29 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: WA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: WA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX RE : Dispute of Debt Request for Validation under 15 USC 1692g To Whom It May Concern : I am writing in response to a entry on my credit report received on XX/XX/XXXX regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide validation of the alleged debt.

Please provide the following information : 1. The name of the original creditor ; 2. The amount of the alleged debt, including any interest, fees, or charges ; 3. A copy of any judgment, if applicable ; 4. Verification that you are authorized to collect debts in my state ; 5. A copy of the original agreement or other documents that prove I am legally obligated to pay this debt.

Be advised that during the investigation and validation of this debt, you must cease all collection activities, including reporting this debt to any credit reporting agencies.

If you can not provide this information, you are required by law to stop collection efforts and remove any negative information you may have reported about this debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I had a Coinbase Account that I would use to purchase bitcoin. This account was hacked on XX/XX/XXXX and continued until XX/XX/XXXX. The perp changed address and payout process to their account and liquidated my account, then proceeded to buy and sell stock making purchases through XXXX which was connected to my bank. They made 100 transactions until it was discovered. They also had the emails from Coinbase and XXXX go into the archive folder on my account. So, when I discovered the Fraud, they liquidated my account of {$1800.00} and made purchases over {$10000.00}. Much of this was in pending status with Coinbase and they still released the funds- saying that we can not stop it when " pending ''. Coinbase has not been cooperative to work with, said that it is my responsibility to watch my account, seemed very uninterested in seeing how this occurred and at times were very hard to contact. One day last week, their phones would not take calls and just disconnected. I could not even get an agent to talk to. Coinbase was told to send me a report of the investigation which includes how this hacking occurred and when I call for an update I am told " still under review. '' I have never talked to a person about my case- only the customer support team. They should be responsible as an internet company to be all over this matter. I am sure that I am one of many! They should also have better fraud detection - every account holder should be notified if an account change, other than email as mine never came through.

Company response to consumer: Closed with explanation