vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Money Services, Inc., d/b/a Texoma Finance
State: OK

Complaint narrative:
XX/XX/XXXX : I received a request from a loan company that I paid off XX/XX/XXXX which reflects that they owe me {$98.00} refund that I never received. 

The letter is dated XX/XX/XXXX to reestablish my credit which is a threat to me in reference to harm my credit now that it's reestablished and I have already requested to have my file locked to avoid being scammed by their system since I was XXXX years old on a {$50.00} referral received for referring my grandfather 's youngest son that was XXXX years old and he had also repaid them off since XXXX. 
See attached attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
XXXX  {$1400.00} XXXX XXXX I do not recognize this charge on my account, nor do I recognize the agency reporting this collection. 

XXXX XXXX {$5300.00} XX/XX/year> This is improper chargers on my account, this account should have been closed being that the car was returned, and I was up to date on my payments. This is improper use of my credit. 

XXXX XXXXXXXX {$430.00}

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 2025-04-12 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:
XXXX  {$1400.00} XXXX XXXX I do not recognize this charge on my account, nor do I recognize the agency reporting this collection. 

XXXX XXXX {$5300.00} XX/XX/year> This is improper chargers on my account, this account should have been closed being that the car was returned, and I was up to date on my payments. This is improper use of my credit. 

XXXX XXXXXXXX {$430.00}

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 )
and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 )
and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I am filing a formal complaint regarding repeated and unresolved order execution discrepancies on the Coinbase trading platform. 

I have now experienced XXXX separate instances in which limit buy orders were filled at prices higher than the limits I explicitly entered. The most recent occurred on [ insert date ], when I placed a limit buy order at XXXX. Coinbase filled that order at XXXX my set limit price. A prior instance involved a limit buy order at XXXX, which was instead filled at XXXX. I have documented confirmation of both trades. 

After raising the first incident with Coinbase support, I was told in writing that the numbers being displayed to me were inaccurate and that it was merely a display error. However, this explanation does not hold. I independently verified that the math used to calculate the fees and final trade value corresponded exactly to the price I saw on-screen. This confirms the issue was not limited to display, but to the actual execution of the tradecontrary to XXXX response and contrary to how limit orders are designed to function. 

Limit orders exist to protect users from being filled at unfavorable prices. These failures on XXXX platform resulted in financial harm and raise serious concerns about the reliability and transparency of their trade execution system. Moreover, I never received a response to my follow-up complaint, nor any resolution regarding the initial incident. 

I am requesting that the XXXX investigate XXXX trading practices for potential violations of consumer protection standards, and to determine whether other users XXXX be unknowingly affected by the same issue. I am available to provide supporting documentation, including order details, Coinbase support correspondence, screenshots, and trade records.

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

Complaint narrative:
I am formally disputing the validity, accuracy, and completeness of a charged-off accounts currently appearing on my credit report. This accounts is damaging my credit profile and is being reported in a manner that XXXX violate my rights under the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ) if applicable. 

XXXX BANK XXXX XXXX {$1300.00} DATE OPEN : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$630.00} DATE OPEN : XX/XX/XXXX 2021

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX BANK XXXX Credit usage - % credit usage unavailable Balance {$0.00} Balance updated XX/XX/XXXX Date the creditor last reported information about the account balance. 

Credit limit - It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases XXXX not show up until your credit report refreshes. 

Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Secured Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 

Status updated XX/XX/XXXX Highest balance XXXX XXXX  Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 1 Month XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX, OK XXXX Phone number ( XXXX ) XXXX My Account Has Been Closed Since Last Because I Requested It Due to XXXX Customer Service SPoke With The Company XXXX XXXX Due to This Report and was told I owed {$3.00} on My account But Could NOT resolve the issue due to My Account already Being Closed

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

Complaint narrative:
I am formally disputing the validity, accuracy, and completeness of a charged-off accounts currently appearing on my credit report. This accounts is damaging my credit profile and is being reported in a manner that XXXX violate my rights under the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ) if applicable. 

XXXX BANK XXXX XXXX {$1300.00} DATE OPEN : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$630.00} DATE OPEN : XX/XX/XXXX 2021

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

Complaint narrative:
I am formally disputing the validity, accuracy, and completeness of a charged-off accounts currently appearing on my credit report. This accounts is damaging my credit profile and is being reported in a manner that XXXX violate my rights under the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ) if applicable. 

XXXX BANK XXXX XXXX {$1300.00} DATE OPEN : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$630.00} DATE OPEN : XX/XX/XXXX 2021

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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have reached out several times to have this disputed and removed from my credit report. Everytime I dispute it they say it came back verified. No one has given my any record of how it was verified or any of the information i request. Under the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 5 ) ( 15 U.S.C. 1692e ), it is illegal for debt collectors to use deceptive or misleading practices, including attempting to collect debts when they are not licensed to do so. This is a demand for immediate action. You are required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 15 U.S.C. 1681i ) to conduct a reasonable investigation of this dispute. Failing to remove this inaccurate and unlawful reporting will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

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

Complaint narrative:
I am submitting this formal complaint and dispute against Equifax due to its continued and unlawful reporting of inaccurate and derogatory information related to XXXX separate accounts on my credit report : XXXX XXXX XXXX account that has been fully paid but is still being reported as derogatory. 

A student loan account under the XXXX Department of Education that does not belong to me. 

These inaccuracies are severely damaging my creditworthiness, making it difficult for me to secure housing, and causing emotional distress, anxiety, and other health-related complications. 

Improper Stall Tactics by Equifax After I filed my disputes through the CFPB and also submitted the required identity verification documents directly to Equifax, I received a stall letter from Equifax stating that I needed to resend documentation to verify my identity. This tactic is inappropriate, given that I had already verified my identity through the CFPB portal and submitted the proper documents directly to Equifax. This is clearly a delay tactic and a failure to act in good faith during a valid dispute process. 

XXXX Account XXXX XXXX XXXX Account Equifax is reporting this account as derogatory despite it being fully paid with a XXXX balance. This misrepresentation violates my rights and continues to harm my credit profile. 

XXXX XXXX Account Equifax is inaccurately reporting a fifth student loan account that I do not own. According to the official XXXX XXXX XXXX XXXX, I have only XXXX student loan accounts. The additional account is not mine and should not appear on my report. 

FCRA Violations These actions constitute clear violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of the information.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation after a dispute was submitted. 

Improper delay and failure to address submitted documentation, in bad faith, after it was provided through official channels. 
Equifax has previously been found liable in similar situations : XXXX XXXX XXXX v. Equifax ( XXXX ) Equifax was held responsible for falsely reporting student loan data. 

XXXX XXXX v. Equifax XXXX Department of Education ( XXXX ) Equifax was ordered to correct misattributed student loan information. 

XXXX XXXX XXXX v. Equifax ( XXXX ) Equifax was found liable for financial harm caused by inaccurate reporting. 

XXXX XXXX v. XXXX XXXX XXXX Equifax ( XXXX ) XXXX ruled against Equifax for failing to remove false derogatory data after multiple disputes. 
Equifax has failed to meet its legal obligations under the FCRA and continues to cause harm by reporting false and damaging information. I appreciate the CFPBs support in ensuring compliance and protecting consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX writing to follow up and formally renew my request for the removal of the items I previously disputed on my report. Despite submitting this request several months ago and providing all necessary documentation, the items remain on my account. I would appreciate a clear explanation as to why this matter has not yet been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I tried to resolve this situation with each company on XX/XX/year>, asking each company to remove these items from my credit report, which I am not responsible for. I was also affected by the data breach with the credit bureaus, and these agencies are violating your consumer rights by using false, misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them, but they are violating my rights. I am entitled to {$1000.00} for every violation I listed, and they either pay me or delete these accounts ASAP!

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 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2025-04-12 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: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2025-04-12 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filling these complaint to formally dispute inaccuracies in my credit report and to request a fair and accurate resolution. I respectfully ask that the credit bureaus verify and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information found to be incorrect, outdated, or unverified should be corrected or removed promptly to reflect the truth. 

The following items require review : XXXX  ( Account ending in XXXX ) : Balance Owed {$0.00} XXXX DEPT STORE ( Account XXXX in XXXX ) : Balance Owed {$950.00} XXXX XXXX XXXX BANK XXXX Account XXXX XXXX XXXX ) : Balance Owed {$2100.00} XXXX  ( Account ending in XXXX ) : Balance Owed {$16000.00} Chapter XXXX Bankruptcy ( Reference # : XXXX ) Dismissed on XX/XX/year>, XXXX Bankruptcy 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