vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-11-25 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: VA

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts reported by Equifax. These accounts are inaccurately reported, and I believe they violate the Fair Credit Reporting Act ( FCRA ). I request a detailed investigation of these items. 

CHARGED OFF ACCOUNTS : XXXX, Account Number : XXXX, Date Opened : XX/XX/2021, Balance : {$11000.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/2021, Balance : {$0.00} LATE PAYMENTS : XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I submitted a formal dispute to Equifax on XX/XX/2025, regarding inaccurate and unverified information in my credit file. The disputed items include multiple tradelines where furnishers provided inconsistent data, and claims of data accuracy that I showed to be false across multiple credit reporting agencies. Equifaxs response failed to provide documentation showing investigation and resolution of the disputed items, in violation of its duty under 15U.S.C. 1681i ( a ) ( 1 ) ( A ) ( E ) and the requirement to maintain reasonable procedures to assure maximum possible accuracy under 15U.S.C. 1681e ( b ). 

To date, the inaccurate data remains in my report, adversely affecting my creditworthiness. I respectfully request that Equifax either : Provide full documentation verifying the accuracy of the disputed items ; or Immediately delete or correct the unverified or inaccurate information from my consumer file. 

Their continued reporting of unverifiable and inaccurate data constitutes violations of 15U.S.C. 1681i ( a ) ( 1 ) ( A ) ( E ) and 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy 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 2025-11-25 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: CA

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 

The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 

I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 2025-11-25 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 writing to dispute certain accounts listed on my Equifax credit report. The details of the accounts are as follows : Charged Off Accounts : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payments : Account Name : XXXX XXXX Account Number : XXXX Balance : [ Insert Balance if available ] Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : [ Insert Balance if available ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
What happened : From XX/XX/XXXX through XX/XX/year>, my Coinbase account experienced a sudden and dramatic escalation in financial activity that was highly abnormal compared to my typical behavior. During this period, I executed 12 separate XXXX purchases using my debit card and immediately transferred the purchased XXXX out of Coinbase. These transactions totaled {$11000.00} within a 13-day span. 

This patternrapid, repetitive, high-value purchases followed by immediate outgoing transferswas extremely unusual for my account. It represented a significant deviation from my normal spending history and should have triggered Coinbases risk-monitoring systems. Coinbase advertises that it monitors for unusual, high-risk, or potentially harmful activity, yet no warnings, flags, holds, or verification prompts occurred at any point during this sudden escalation. 

As a regulated financial institution, Coinbase is expected to detect and act on sudden spikes in account activity, especially when they involve high-value transactions occurring in rapid succession. The absence of any form of intervention or monitoring allowed this clearly abnormal pattern to continue unchecked, resulting in significant financial harm. 

What I am requesting : I am requesting that Coinbase conduct a formal review of why no monitoring, verification, or intervention occurred during this period of clearly abnormal activity. I am also requesting appropriate compensation or reimbursement for the transactions made during this harmful period, as they occurred during an escalation that a functioning consumer-protection system should have detected and addressed. 

Evidence I can provide : A screenshot showing multiple consecutive XXXX purchases and immediate transfers A timeline of the 12 transactions totaling {$11000.00} Documentation showing this activity was highly inconsistent with my normal account patterns I am not disputing that I initiated these transactions. I am disputing Coinbases failure to monitor or flag what was clearly unusual, high-risk, and harmful activity, which resulted in preventable financial loss. 

Thank you for reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
I am filing a complaint regarding ICCUs handling of my account and their failure to provide accurate information when I requested details about my debt. 

On XX/XX/year>, ICCU informed me that my debt had been sold. When I asked for the name of the debt collector or debt buyer who now owned the account, ICCU refused to provide the information. I spoke with an ICCU representative named XXXX, who stated that they do not have my address on file, and therefore could not provide a notice of sale or disclose who the debt was sold to. She also stated she could not see the name of the debt collector. 

This explanation was inconsistent and illogical. I asked how ICCU had been servicing my account without having an address on file. At that point, XXXX was suddenly able to find my address, contradicting her earlier claim. 

After this contradiction, XXXX then changed her statement and advised that the debt actually was not sold, again contradicting what ICCU previously told me. 

Because of these conflicting statements and ICCUs refusal to provide clear information : I was misled about the status of my account I was denied information needed to understand who owns the debt I was given contradictory explanations about whether ICCU had my address ICCU failed to provide any notice, even after admitting they had my address ICCU representatives provided inconsistent and unreliable information about whether the debt was sold This behavior raises concerns about transparency, record accuracy, and fair treatment of consumers. I am requesting that the CFPB investigate ICCUs handling of this matter, clarify the true status of my account, and ensure ICCU complies with consumer protection standards regarding disclosures and account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
I am disputing the following items on my Experian credit report. These items are inaccurately reported and do not reflect my correct credit history. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : 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 2025-11-25 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 
1681i.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Issue : Incorrect overdraft fees charged even though account was positive before fees were assessed. 

Complaint : Chase incorrectly charged me two overdraft fees on XX/XX/year>, even though my account was not negative when the bank processed the fees. 

Here is the timeline based on my account activity : On Friday night ( XX/XX/year> ), two transactions posted ( XXXX for {$41.00} and XXXX for {$83.00} ), which caused my balance to go negative. 

Over the weekend, I added money to my account. Two deposits were made before the next business day : XXXX deposit of {$110.00} XXXX deposit of {$140.00} These deposits brought my account back into a positive balance before Monday morning ( XX/XX/XXXX ), which is the first business day after the overdraft-triggering transactions. 

Despite my balance being positive prior to the fee assessment, Chase applied XXXX overdraft fees of {$34.00} each on Tuesday, XX/XX/year>. 


Chases overdraft policy states that overdraft fees are assessed based on the end-of-day ledger balance on the prior business day. My account was not negative at the time the fees were assessed. I corrected the negative balance before the bank processed any overdraft fees. 

This means these fees should not have been charged. 

I contacted Chase customer service and escalated to a supervisor. Both representatives told me that the system could not issue a refund because I had reached the maximum number of courtesy refunds, even though this fee was not due to negligence or misuse. I was refused a proper manual review or correction, despite the fact that this was an improper fee. 

I am requesting : A refund of the two overdraft fees totaling {$68.00}, and A review of Chases handling of my case since the bank did not follow its own overdraft assessment policy. 


Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX disputing inaccurate/unverified credit reporting with XXXX and XXXX XXXX XXXX LVNV FUNDING LLC, XXXX XXXX  XXXX I have sent written disputes since the month of XXXX and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA ( and FDCPA ). 
Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
XXXX disputing inaccurate/unverified credit reporting with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, MIDLAND XXXX  XXXX I have sent written disputes since the month of XXXX and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA ( and FDCPA ). 
Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

Company response to consumer: Closed with non-monetary relief