vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX filling a credit report on all XXXX bureaus, XXXX, XXXX, and XXXX. 
In accurate information using third parties to report and give away my personal information and Social Security number I wont relief and remedy. 
XXXX XXXX XXXX is a transmitting utility XXXX XXXX all debts have been prepaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

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

Unknown - XXXX XXXX - XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I dont agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigation. These inaccurate are highly injurious to my credit rating. 
Furthermore, in accordance with the Fair Credit Reporting Act Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, the credit reporting agency, block information appearing on my consumer 's credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an XXXX  XXXX account number XXXX account opened on XX/XX/XXXX, XXXX  XXXX account number XXXX on XXXX/XXXX/XXXX, XXXX XXXX account number XXXX opened on XX/XX/XXXX, XXXX XXXX  account opened on XX/XX/XXXX Account number XXXX and XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report. I've attached list of hard inquiries in question as well as a copy of the consumer 's FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my report maintained by you were not opened, made, or initiated by me. All of the 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 ( case number ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collection, and hard inquiries are the 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 2025-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AUTO FINANCE USA, LLC
State: OK

Complaint narrative:
The payments I have made to AUTO FINANCE, USA, via check through my banks billpay service since XX/XX/year>, are not being credited to my loan. 

The only payments that are being credited to the loan are the ones Ive paid through AFUSAs online portal or via speaking directly with their account representatives on the telephone, which are both subject to extra fees. I have made several payments using these methods as well as also making payments via checks, which is an option that AFUSA includes on my sales contract. 

I have repeatedly attempted to correct the problem with multiple agents at AFUSA, via telephone, texts, and emails, but the issue is not resolved, and they are accusing me of not making the payments I have made, and they have refused to provide a history of the accounting on my account, and they have incessantly threatened and harassed me, accusing me of defaulting on the loan, ignoring my requests for clarifications, refusing to acknowledge the proof I have sent and offered to provide from my bank, which proves that the checks have been accepted and deposited by AFUSA. They have blocked me from being able to pay through their online portal, and, they have refused to accept payments over the phone after I realized they are cashing or depositing my check payments but not putting the payments towards my loan. 
I spoke to another representative last week, and she refused to do anything but laugh at me and make false accusations, treat me with zero courtesy, and she refused to correct the accounting although she admitted to being aware of the check payments. 
Then, on Saturday, while I was an hour and a half from my home, the car was repossessed, and there was no way to contact anyone at AFUSA, as they are not available to answer the phones on the weekend. Today, Monday, I have made several attempts to call and Ive sent several emails, asking for information, and help, and Ive again provided documentation to show the amounts Ive paid. 
Because of the contradictory and harassing manner that AFUSA communicates, and because they will not clarify or provide simple answers, they have made it difficult, or impossible, to know what I owe, when I owe it, or what I can or could do to remedy the problem. 

I have sent payments for much larger amounts than the required payment amount. 

Now, I cant go to work. I am stranded in the country, far from town, with no family or alternate options for transportation. 

I can not get any answers or information from AFUSA, and when I try, all I get is abuse and harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX  XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I am filing a formal complaint against both Experian and XXXX XXXX for noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically FCRA 605B ( 15 U.S.C. 1681c-2 ). 

A fraudulent XXXX XXXX account in the amount of {$7200.00}, opened on XX/XX/XXXX, was added to my Experian credit report without my knowledge or consent on XX/XX/XXXX. I have no relationship with XXXX and did not authorize this account. This is a clear case of identity theft. 

In accordance with the FCRA, I submitted a valid FTC Identity Theft Report ( # XXXX ) and supporting documentation to both Experian and XXXX. Despite clear and sufficient evidence of fraud, Experian continues to report the account, and XXXX continues to furnish it, in direct violation of federal law. 

FCRA 605B requires a credit reporting agency to block a fraudulent account within four ( 4 ) business days of receiving proper identity theft documentation. Experian has failed to comply with this legal requirement, and XXXX has no lawful basis to continue furnishing information on an account I did not open. 

Their failure to act has caused credit damage and emotional distress. I am requesting the immediate deletion and permanent blocking of this fraudulent account under FCRA 605B. If this matter is not resolved promptly, I will pursue legal action and escalate my complaints to the Illinois Attorney General and FTC. 

Fraudulent Account Details : Creditor : XXXX XXXX Amount : {$7200.00} Date Opened : XX/XX/XXXX Date Added to Experian Report : XX/XX/XXXX Account Number : XXXX FTC Identity Theft Report # : 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 2025-04-07 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 have discovered that my identity was used without my permission in a fraudulent manner. This is an unauthorized action, and I am deeply concerned that my personal information has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I mistakenly sent {$10000.00} worth of XXXX on the XXXX  ( XXXX ) network to my Coinbase XXXX XXXX address on XX/XX/year>. While Coinbase accepts XXXX on the XXXX  ( XXXX ) network, it does not support XXXX on XXXX  something I was not aware of at the time. 

The transaction was fully confirmed on-chain and the funds were successfully delivered to the destination wallet address provided by Coinbase. I have provided the TXID and wallet details to Coinbase support. Despite multiple attempts to engage with their team, Coinbase has repeatedly denied recovery, claiming that the funds are " not recoverable, '' even though they remain in a wallet controlled by Coinbase. 

Transaction Details Date : XX/XX/year> Amount : {$10000.00} XXXX XXXX : XXXX  ( XXXX ) TXID : XXXX Wallet address : XXXX This is a significant financial loss and Coinbases refusal to assist with a manual recovery despite the funds being within their control feels negligent, especially given the value involved. I have offered to pay recovery fees and provided full documentation. Their system allows users to unknowingly deposit assets on unsupported networks without adequate in-app warning or interception. 

Im asking for the CFPBs assistance to compel Coinbase to : Acknowledge the funds are still in a wallet they control, Offer a manual recovery process ( as they have done in select cases before ), Improve transparency regarding supported networks to prevent future cases like mine. 

I will also attach proof that coinbase has been moving my money around. I attached a a photo of the original transaction of my sending it and then everything they've done after.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX ,2024 my card was charges with {$20.00} that i reported by calling the paypal credit compnay then they open a dispute for unknown charges and since then they didn't give me any update. now i have received a bill saying i owe them XXXX cause of late fee and interset charges

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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The alleged debt in question was charged off, yet I have received numerous collection attempts via email, voicemail, and mail. Despite sending a formal request to communicate only by mail, the company has continued to call and email mecompletely disregarding my request. This ongoing contact is not only unwanted but also harassing. I have documented evidence of repeated violations, including multiple voicemails and emails. Please be advised that I reserve the right to take legal action for each unauthorized contact as it constitutes harassment under the Fair Debt Collection Practices Act ( FDCPA ). I demand that all phone and email communications cease immediately. Disputed 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 non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
Ive carefully reviewed my credit report and noticed that this tradeline is not being reported with the maximum possible accuracy. This inaccuracy is not only misleading but also potentially damaging to my credit profile. Given that accurate reporting is required by law, it is clear this issue must be addressed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BHFC Financial Services INC
State: NV

Complaint narrative:
This is not a duplicate complaint. I am supplementing my previous case with new documentation and facts that were not considered in BHFCs response. 

1. False Statement by BHFC BHFC stated I only paid {$140.00}, which is completely false. Attached are : A {$1500.00} down payment receipt ( dated XX/XX/year> ) A {$52.00} payment confirmation ( dated XX/XX/year> ) A {$74.00} Cash App transaction ( dated XX/XX/year> ) These payments total over {$1600.00}, which clearly invalidates their response. 

XXXX. Improper Credit Reporting ( FCRA Violation ) Experian lists the BHFC account as : Charged off : {$6000.00} Past due : {$8300.00} Balance : {$9500.00} These figures do not match the repossession letter ( which listed {$13000.00} ) and do not account for a vehicle sale or application of sale proceeds. This violates FCRA 1681s2.

3. No Post-Sale Deficiency Notice Per the Uniform Commercial Code and Arizona law, BHFC was required to send a post-sale deficiency notice after repossessing the vehicle. No such notice was received.

4. Mishandled Property Retrieval When I tried to collect my belongings from the vehicle : I was never informed of a fee ahead of time.

The BHFC rep demanded money and my spare key before allowing access. 
When I questioned it, he walked away, and I had to reschedule the entire appointment. 

This was unprofessional, predatory, and emotionally distressing. 

XXXX. Misleading & High-Pressure Loan Process At the time of signing : I was not given full details about the loan I was not informed about the arbitration clause or tracker installation Language barriers made the contract confusing I never would have agreed had I known the full terms

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$5500.00} - XXXX XXXX XXXX {$4000.00} - XXXX XXXX XXXX XXXX {$1600.00} - XXXX XXXX  XXXX  XXXX {$1200.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX XXXX {$840.00} - XXXX  XXXX XXXX XXXX {$750.00} - XXXX XXXX XXXX XXXX {$680.00} - XXXX XXXX XXXX XXXX {$650.00} - XXXX XXXX  XXXX XXXX {$560.00} - XXXX XXXX XXXX XXXX {$460.00} - XXXX XXXX XXXX XXXX {$440.00} - XXXX XXXX XXXX XXXX {$350.00} - XXXX. XXXX, XXXX XXXX {$160.00} - 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$5500.00} - XXXX XXXX XXXX {$4000.00} - XXXX XXXX XXXX XXXX {$1600.00} - XXXX XXXX  XXXX  XXXX {$1200.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX XXXX {$840.00} - XXXX  XXXX XXXX XXXX {$750.00} - XXXX XXXX XXXX XXXX {$680.00} - XXXX XXXX XXXX XXXX {$650.00} - XXXX XXXX  XXXX XXXX {$560.00} - XXXX XXXX XXXX XXXX {$460.00} - XXXX XXXX XXXX XXXX {$440.00} - XXXX XXXX XXXX XXXX {$350.00} - XXXX. XXXX, XXXX XXXX {$160.00} - 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief