vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of XXXX SS # : XXXX TransUnion : TransUnion LLC Consumer Dispute Center XXXX P.O XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : You Violated the United States XXXX XXXX ( FCRA XXXX U.S. Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ) FCRA XXXX U.S. Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) 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. 


Under FCRA XXXX U.S. Code XXXX ( XXXX ) you violated the law. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. 


The items below should all be removed from my consumer report under XXXX USC XXXX ( XXXX ) XXXX. You are in violation of XXXX US Code XXXX ( XXXX ) Failure to provide notice of dispute. 

RegionalAC Account Number : * * * * Delete account immediately. 


XXXX. You are in violation of XXXX US Code XXXX ( XXXX ) Failure to provide notice of dispute. 

XXXX XXXX Account Number : XXXX Delete account immediately. 


XXXX. You are in violation of XXXX US Code XXXX ( XXXX ). Failure to provide notice of dispute. 

XXXX XXXX XXXX Account XXXX : XXXX * * Delete account immediately. 




You are in violation of XXXX US Code XXXX ( XXXX ) Failure to provide notice of dispute. 

XXXX XXXX Account XXXX : XXXX * * * Delete account immediately. 


You are in violation of XXXX US Code XXXX ( XXXX ) Failure to provide notice of dispute. 

XXXX XXXX Account XXXX : XXXX * * * Delete account immediately. 


You are in violation of XXXX US Code XXXX ( XXXX ) Failure to provide notice of dispute. 

XXXX XXXX XXXX Account XXXX : * * * * Delete account immediately. 


You are in violation of XXXX XXXX XXXX XXXX ( XXXX ) Failure to provide notice of dispute. 

XXXX XXXX XXXX Account XXXX : * * * * Delete account immediately. 



As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under XXXX USC XXXX civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AR

Complaint narrative:
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card I am filing a formal complaint regarding inaccurate and misleading information being reported on my credit file by XXXX, XXXX XXXX XXXX XXXX  etc XXXX ]. 



The account in question is a credit card that, according to the credit reporting data, was closed as of XX/XX/XXXXXXXX XXXX  with a past due amount of {$89.00}. Despite this status, the account continues to report 30-, 60-, and 90-day late payments in XXXX after the account was already marked closed, which is inconsistent and misleading. 



Specific Issues : Contradictory Status : The account is labeled as Closed but still reflects late payments post-closure ( e.g., XXXX XXXX ). 

Past Due Balance Conflict : Reporting a past due balance on a closed account is misleading unless clearly marked as charged-off, settled, or paid. 

Unverifiable Payment History : I made on-time payments in XXXX, yet the account shows multiple delinquencies suddenly starting in early XXXX. This raises concerns about data accuracy and verification. 



Violations : I believe this creditor and the credit reporting agencies are in violation of the following sections of the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) Failure to maintain maximum possible accuracy 611 ( a ) Failure to properly investigate and correct disputed information 609 ( a ) Failure to provide documented verification of the accounts payment history and status upon request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: AR

Complaint narrative:
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card I am filing a formal complaint regarding inaccurate and misleading information being reported on my credit file by XXXX, XXXX XXXX XXXX XXXX  etc XXXX ]. 



The account in question is a credit card that, according to the credit reporting data, was closed as of XX/XX/XXXXXXXX XXXX  with a past due amount of {$89.00}. Despite this status, the account continues to report 30-, 60-, and 90-day late payments in XXXX after the account was already marked closed, which is inconsistent and misleading. 



Specific Issues : Contradictory Status : The account is labeled as Closed but still reflects late payments post-closure ( e.g., XXXX XXXX ). 

Past Due Balance Conflict : Reporting a past due balance on a closed account is misleading unless clearly marked as charged-off, settled, or paid. 

Unverifiable Payment History : I made on-time payments in XXXX, yet the account shows multiple delinquencies suddenly starting in early XXXX. This raises concerns about data accuracy and verification. 



Violations : I believe this creditor and the credit reporting agencies are in violation of the following sections of the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) Failure to maintain maximum possible accuracy 611 ( a ) Failure to properly investigate and correct disputed information 609 ( a ) Failure to provide documented verification of the accounts payment history and status upon request

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX, Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: SC

Complaint narrative:
I contacted XXXXXXXX XXXX regarding an account that was reporting negatively on my credit file. I researched the account and discovered that it was not mine. 

XXXXXXXX XXXX sent me a letter confirming that I was not affiliated with the account and that they have requested that the Credit bureaus, XXXX XXXX XXXX XXXX remove the account from my credit file. This request was sent 30 days ago. 

As of XX/XX/2025, Transunion is STILL reporting this negative account to my credit file EVEN after XXXX has requested that they remove it immediately. 

I will attach the letter that XXXXXXXX XXXX sent in reference to this 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 explanation
Consumer complaint received 2025-07-06 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:
My information was breached in the XXXX XXXX breach Account XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2025-07-06 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:
My information was breached in the XXXX XXXX breach Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2025, my phone was stolen. A few hours later, I discovered that unauthorized transactions had been made from my Coinbase account using the mobile device. I did not authorize these transfers. 

When I attempted to log into my Coinbase account from my laptop to secure it, I was unable to get past the 2-step verification process, even though I correctly submitted the email verification codes. I made multiple attempts but was blocked each time, while the attacker successfully accessed the account from the stolen phone. 

I contacted Coinbase support via email immediately, but they responded with an automated message saying direct emails are no longer supported and referred me to their help portal. However, I was also unable to access the support portal due to the same verification loop issue. This left me completely locked out and unable to report the theft or secure my funds in real time. 

I am requesting a formal investigation into the unauthorized transactions and a clear response from Coinbase regarding their account recovery procedures and dispute/arbitration process. I have filed a police report and will provide all relevant documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a tradeline that XXXX XXXX XXXX is furnishing to Experian. The account references a debt originally opened with XXXX XXXX XXXX on XX/XX/XXXX, but XXXX XXXX is reporting a Date Opened of XX/XX/XXXX, which is not accurate and appears to be an attempt to re-age the debt. This is a violation of FCRA Section 623 ( a ) ( XXXX ). 

XXXX XXXX contacted me and advised that if I intended to dispute the debt, I needed to do so in writing by XX/XX/XXXX. They stated that it would stop the collection and reporting process until proof was furnished. I complied and sent a certified dispute letter on XX/XX/XXXX, which was delivered and signed for. In that letter, I lawfully requested : Full debt validation and breakdown Proof of ownership Proof of assignment or sale from the original creditor A copy of the original signed contract Acknowledgment that the original creditor had already removed this tradeline after a previous dispute To date, XXXX XXXX has not responded with any documentation, yet continues to report the tradeline to Experian. This is a clear violation of FDCPA Section 809 ( b ) ( 15 U.S. Code 1692g ), which requires a debt collector to cease collection and reporting until validation is provided. 

Additionally, I have disputed this tradeline with Experian, and they have allowed the account to remain with no proof provided. FCRA Section 611 ( 15 U.S. Code 1681i ) requires the credit bureau to conduct a reasonable investigation, which includes : Contacting the furnisher, Requiring documentation, and Providing the consumer with a description of the procedure used to verify. 

To date, Experian has not provided a description of the investigation or what XXXX XXXX sent as verification. An " electronic response '' or checked box does does constitute account verification by law. Simply accepting a generic statement from the furnisher is not considered a reasonable investigation under the law. As a consumer, knowing my rights, I am aware that reporting agencies profit from the collection agencies and therefore do very little follow the law as requires them to do more than the automate processes the rely on. They also rely on the fact that most consumers will get tired of fighting and may not actually sue or file complaints.

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 2025-07-06 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX RE : Formal Dispute of Charge-Off Reporting Account # XXXX To Whom It May Concern : I am writing to formally dispute inaccurate information listed on my credit report regarding a charge-off account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the account was originally opened on XX/XX/XXXX. 

Upon reviewing my credit report, I noticed that this account reflects a charge-off status as of XX/XX/XXXX, with continued negative reporting into XXXX. I believe this information to be inaccurate and incomplete and am disputing it under my rights provided by the Fair Credit Reporting Act ( FCRA ). 
The payment history shows multiple delinquencies beginning in XX/XX/XXXX, followed by a charge-off notation. 
I have reason to believe the manner in which this account has been reported is inaccurate or unverifiable, and I am requesting a full investigation. 

As supporting evidence, I have attached a copy of my credit report highlighting the disputed account. Please conduct a reinvestigation of this item and either correct or delete the inaccurate entry based on the findings. If verification can not be obtained from the creditor, the information must be removed from my file in accordance with the FCRA. 

Please notify me of the outcome of your reinvestigation in writing and send me an updated copy of my credit report once the process is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX RE : Formal Dispute of Charge-Off Reporting Account # XXXX To Whom It May Concern : I am writing to formally dispute inaccurate information listed on my credit report regarding a charge-off account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the account was originally opened on XX/XX/XXXX. 

Upon reviewing my credit report, I noticed that this account reflects a charge-off status as of XX/XX/XXXX, with continued negative reporting into XXXX. I believe this information to be inaccurate and incomplete and am disputing it under my rights provided by the Fair Credit Reporting Act ( FCRA ). 
The payment history shows multiple delinquencies beginning in XX/XX/XXXX, followed by a charge-off notation. 
I have reason to believe the manner in which this account has been reported is inaccurate or unverifiable, and I am requesting a full investigation. 

As supporting evidence, I have attached a copy of my credit report highlighting the disputed account. Please conduct a reinvestigation of this item and either correct or delete the inaccurate entry based on the findings. If verification can not be obtained from the creditor, the information must be removed from my file in accordance with the FCRA. 

Please notify me of the outcome of your reinvestigation in writing and send me an updated copy of my credit report once the process is complete. 

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 non-monetary relief
Consumer complaint received 2025-07-06 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXX A XX/XX/XXXX Equifax SEC FIN XX/XX/XXXX Equifax ODE XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: AZ

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-06 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am receiving emails and text messages from XXXX XXXX XXXX about a Capital One credit card debt they claim I owe in the amount of {$5100.00} ( account ending in XXXX ). The communications are coming from XXXX. I have not received any formal written validation notice or chain of title proving XXXX owns this debt. 

Capital One has publicly admitted in its SEC filings ( Form 424B5 ) that it transfers credit card receivables to Capital One Funding, LLC, which then sells them into Capital One Master Trust and Capital One Multi-asset Execution Trust ( COMET ). These receivables are securitized and sold to investors on the secondary market, which means Capital One no longer owns the debt and can not legally assign rights without proof. 

Despite this, XXXX continues to demand payment. I have not been provided any documentation proving : The debt is valid Resurgent is the current legal owner My account was legally assigned out of a securitized trust I believe Resurgent and Capital One are violating federal consumer protection laws, including : FDCPA Deceptive collection activity FCRA Inaccurate credit reporting TILA No notice of transfer Potential securities fraud and unjust enrichment I am requesting the CFPB investigate and require both companies to : Stop collections until they produce legal proof of ownership Provide all trust, transfer, and assignment documents Remove any inaccurate or misleading credit reporting

Company response to consumer: Closed with explanation