vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Dear whom this may concern, Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Last XXXX SSN : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
To : XXXX, XXXX, and XXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  Phone : ( XXXX ) XXXX Date : XX/XX/XXXXXXXX  Subject : Formal Dispute of Inaccurate Balance Reporting on Closed/Charged-Off Accounts Dear XXXX  / XXXX  / XXXX, I am disputing the accuracy of the way certain accounts are being reported on my credit file. Specifically, I have identified accounts that are listed as Closed or Charged-Off yet are still showing a balance owed. 

Why This is Inaccurate A closed account must report a balance of {$0.00}. If it continues to show a balance, that is a direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and Metro 2 Reporting Standards. 

A charged-off account may only report a balance if the creditor still owns the debt. If the account has been sold, transferred, or placed with a collection agency, the original creditor must update the balance to {$0.00} to prevent double reporting.

My Dispute The following accounts are reporting inaccurately XXXX XXXX. 
Status : Closed/Charged-Off Balance : {$3500.00} XXXX XXXX XXXX  Status : Closed/Charged-Off Balance : {$1300.00} XXXX Status : Charged-Off Balance : {$0.00} but still reporting to my credit The following accounts are reporting balances to my credit report also. These are companies that I have never had any interaction with. 

XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX This is either a closed account still reporting a balance or a charged-off account where the debt was sold/transferred but the balance was not updated to {$0.00}. In either case, the reporting is inaccurate and misleading. 

Legal Basis Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies must conduct a reasonable reinvestigation and delete or correct any inaccurate or unverifiable information. Continuing to report a balance on a closed or transferred account is both false and misleading, violating my rights under federal law.

Requested Action I demand that you : Conduct a proper investigation with the furnisher.

Remove or correct the reporting of any balance on closed accounts. 

Ensure that any charged-off accounts sold or transferred report a balance of {$0.00} with the original creditor. 

Provide me with written confirmation once these corrections have been completed. 

Failure to properly update and correct this reporting may constitute willful noncompliance with the FCRA and subject both the bureau and the furnisher to liability under 15 U.S.C. 1681n.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
Urgent : Restricted Access to XXXX  XXXX, I am writing to inform you that XXXX has placed a restriction on my account, which is preventing me from withdrawing my funds. The restriction has already been extended multiple times, and I have not been given a clear resolution or timeline for when access will be restored. 
At this point, my entire account balance is effectively locked, and I am unable to move or access my own funds. I am requesting immediate assistance in resolving this matter so that I can regain access to my money. 
Please let me know what steps need to be taken, as I need this resolved as soon as possible. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Experians continued reporting of inaccurate and unverifiable information on my credit file. Despite my prior disputes and submission of supporting documentation, Experian has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requiring reinvestigation, 1681i ( a ) ( 5 ) ( B ) requiring deletion of unverifiable information, and 1681i ( a ) ( 7 ) requiring a description of the reinvestigation procedure. While other credit bureaus promptly corrected or removed the inaccurate information, Experian continues to verify the disputed accounts without providing any proof of a legitimate investigation. This failure has damaged my credit standing and caused embarrassment after being denied credit. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I submitted formal disputes to TransUnion, Experian, and Equifax regarding inaccurate personal information and XXXX derogatory accounts that are being reported incorrectly. First, my credit reports list multiple addresses that are not and have never been associated with me, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; and XXXX XXXX XXXX AV XXXX, XXXX, FL XXXX. I submitted disputes under FCRA 605B and 611 ( 15 U.S.C. 1681c-2 and 1681i ), but the credit bureaus have failed to remove these addresses or provide any results of a reinvestigation.

Additionally, there are two derogatory collection accounts listed on my credit reports that were not properly verified. The first is from XXXX XXXX XXXX, appearing on both TransUnion and Equifax, showing a balance of {$1400.00}, marked as charged off, with XXXX delinquencies reported on Equifax. Despite submitting disputes regarding this accountespecially considering its possible link to the inaccurate addressesthe account still shows Account not disputed, and no reinvestigation has occurred. The second account is from XXXX ( original creditor XXXX XXXX XXXX  ), showing a balance of {$1100.00}, reported as a charge-off by all three bureaus. This account also shows Account not disputed, which is false. I have not received any evidence that these items were verified or properly investigated, and no bureau has updated or corrected the reporting. This constitutes a failure by all three credit reporting agencies to comply with their obligations under FCRA 611 to reinvestigate disputed items and correct or remove unverifiable 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 2025-09-15 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 submitted formal disputes to TransUnion, Experian, and Equifax regarding inaccurate personal information and XXXX derogatory accounts that are being reported incorrectly. First, my credit reports list multiple addresses that are not and have never been associated with me, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; and XXXX XXXX XXXX AV XXXX, XXXX, FL XXXX. I submitted disputes under FCRA 605B and 611 ( 15 U.S.C. 1681c-2 and 1681i ), but the credit bureaus have failed to remove these addresses or provide any results of a reinvestigation.

Additionally, there are two derogatory collection accounts listed on my credit reports that were not properly verified. The first is from XXXX XXXX XXXX, appearing on both TransUnion and Equifax, showing a balance of {$1400.00}, marked as charged off, with XXXX delinquencies reported on Equifax. Despite submitting disputes regarding this accountespecially considering its possible link to the inaccurate addressesthe account still shows Account not disputed, and no reinvestigation has occurred. The second account is from XXXX ( original creditor XXXX XXXX XXXX  ), showing a balance of {$1100.00}, reported as a charge-off by all three bureaus. This account also shows Account not disputed, which is false. I have not received any evidence that these items were verified or properly investigated, and no bureau has updated or corrected the reporting. This constitutes a failure by all three credit reporting agencies to comply with their obligations under FCRA 611 to reinvestigate disputed items and correct or remove unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
To : XXXX, XXXX, and XXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX   Phone : ( XXXX ) XXXX Date : XX/XX/XXXXXXXX  Subject : Formal Dispute of Inaccurate Balance Reporting on Closed/Charged-Off Accounts Dear XXXX  / XXXX  / XXXX, I am disputing the accuracy of the way certain accounts are being reported on my credit file. Specifically, I have identified accounts that are listed as Closed or Charged-Off yet are still showing a balance owed. 

Why This is Inaccurate A closed account must report a balance of {$0.00}. If it continues to show a balance, that is a direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and XXXX XXXX XXXX Standards. 

A charged-off account may only report a balance if the creditor still owns the debt. If the account has been sold, transferred, or placed with a collection agency, the original creditor must update the balance to {$0.00} to prevent double reporting.

My Dispute The following accounts are reporting inaccurately XXXX XXXX. 
Status : Closed/Charged-Off Balance : {$3500.00} XXXX XXXX XXXX  Status XXXX Closed/Charged-Off Balance : {$1300.00} XXXX Status : Charged-Off Balance : {$0.00} but still reporting to my credit The following accounts are reporting balances to my credit report also. These are companies that I have never had any interaction with. 

XXXX XXXX XXXX Portfolio Associates XXXX XXXX XXXX XXXX XXXX XXXX This is either a closed account still reporting a balance or a charged-off account where the debt was sold/transferred but the balance was not updated to {$0.00}. In either case, the reporting is inaccurate and misleading. 

Legal Basis Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies must conduct a reasonable reinvestigation and delete or correct any inaccurate or unverifiable information. Continuing to report a balance on a closed or transferred account is both false and misleading, violating my rights under federal law.

Requested Action I demand that you : Conduct a proper investigation with the furnisher.

Remove or correct the reporting of any balance on closed accounts. 

Ensure that any charged-off accounts sold or transferred report a balance of {$0.00} with the original creditor. 

Provide me with written confirmation once these corrections have been completed. 

Failure to properly update and correct this reporting may constitute willful noncompliance with the FCRA and subject both the bureau and the furnisher to liability under 15 U.S.C. 1681n.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-15 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: NY

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-15 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-09-15 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: TX

Complaint narrative:
Name : XXXX XXXX ), Social Security Number : ( XXXXXXXX  ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within 4 business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX  under the account number ( XXXX ), and XXXX  XXXX account count opened at XX/XX/XXXX account number ( XXXX ) XXXX XXXX  opened XXXX XX/XX/XXXX account number ( XXXX ) XXXX XXXX XXXX opened XXXX XX/XX/XXXX account number ( XXXX ) XXXX  Opened date XX/XX/XXXX account number ( XXXX ). that appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent FICO credit report maintained maintained by you which shows the XXXX XXXX FICO items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are 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 2025-09-15 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: SC

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting different payment histories to TransUnion and XXXX. My payment history should be reported consistently and accurately across all credit bureaus, but it is not. This discrepancy is causing harm to my credit profile and violates my rights under federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information ( such as XXXX XXXX ) have a legal obligation to provide information that is accurate and complete. Reporting different or conflicting payment histories to different credit reporting agencies is a direct violation of this requirement. 

Additionally, the FCRA gives me the right to dispute inaccurate or incomplete information appearing in my credit reports. I am formally disputing these discrepancies and requesting that XXXX XXXX : 1. Correct and update all inaccurate payment history being reported to TransUnion and XXXX  so that the information is consistent and accurate across all credit bureaus ; OR 2. Delete the inaccurate information if XXXX XXXX can not provide verifiable, accurate records. 

I am also requesting that any documents, records, and information used to process, investigate, or verify this complaint be provided to me as part of the resolution. I have a right under federal law to receive information relevant to my dispute. 

Failure to report accurate and consistent information is illegal, and I am asserting my right under federal law to have only * * fair and accurate information * * on my credit reports. I request that the CFPB ensure XXXX XXXX complies with its legal obligations.

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 2025-09-15 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: SC

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting different payment histories to XXXX  and Equifax. My payment history should be reported consistently and accurately across all credit bureaus, but it is not. This discrepancy is causing harm to my credit profile and violates my rights under federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information ( such as XXXX XXXX ) have a legal obligation to provide information that is accurate and complete. Reporting different or conflicting payment histories to different credit reporting agencies is a direct violation of this requirement. 

Additionally, the FCRA gives me the right to dispute inaccurate or incomplete information appearing in my credit reports. I am formally disputing these discrepancies and requesting that XXXX XXXX : 1. Correct and update all inaccurate payment history being reported to XXXX  and Equifax so that the information is consistent and accurate across all credit bureaus ; OR 2. Delete the inaccurate information if XXXX XXXX can not provide verifiable, accurate records. 

I am also requesting that any documents, records, and information used to process, investigate, or verify this complaint be provided to me as part of the resolution. I have a right under federal law to receive information relevant to my dispute. 

Failure to report accurate and consistent information is illegal, and I am asserting my right under federal law to have only * * fair and accurate information * * on my credit reports. I request that the CFPB ensure XXXX XXXX complies with its legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Coinbase charged me excessive fees using their Regular Simple Buy option without transparently disclosing the true cost. I bought XXXX through a bank transfer at {$110000.00} and later discovered Coinbase XXXX would have cost me about {$2000.00} less. Coinbase does not make this difference clear to customers, and the fees are hidden in spreads rather than upfront. I feel misled.

Company response to consumer: Closed with explanation