vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
I am formally disputing a late payment reported on my XXXX XXXX account ( Account Number : XXXX ). 

The late payment is inaccurate because I was not notified of the due date or any missed payment. I received no reminders, billing statements, or warnings from the creditor. As a result, I was denied the opportunity to address the issue before it was reported as delinquent. 

This failure to provide notice violates the Fair Credit Reporting Act ( FCRA ), specifically : 1681e ( b ) Credit data must be accurate and complete.

1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report fairly and responsibly.

1681i ( a ) Disputed and unverifiable information must be promptly removed. 

I request a reinvestigation. If the creditor can not provide proof of prior notice, the late mark must be permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted XXXX notices. 

Despite my repeated requests, the inaccurate inf " ormation remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer. 

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ]. 

Under the FCRA, you are obligated to : XXXX. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; XXXX. Notify the furnisher of the dispute ; XXXX. Correct or delete inaccurate, incomplete, or unverifiable information ; and XXXX. Provide me with the results of your reinvestigation. 

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law. 

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2025-07-14 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint and cease and desist request regarding Synerprise Consulting, who is attempting to collect on Account # XXXX without properly validating the alleged debt. 

Despite my written request for validation, the company has only provided generic account statements and documents that do not prove ownership or contractual liability. Under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g A debt collector must validate a debt upon request.

15 U.S.C. 1692c If a consumer refuses to pay or requests no further contact, all communication must cease.

15 U.S.C. 1692e ( 3 ) It is unlawful to falsely imply legal representation or misrepresent authority. 

Synerprise has failed to comply with these laws and continues to engage in collection activity without proof or legal jurisdiction. 

I am demanding validation of the alleged debt within 30 days, or the account must be deleted and all collection activity stopped immediately. Continued contact or misrepresentation will result in further complaints and possible legal action under FDCPA 813 ( 15 U.S.C. 1692k ), which allows for up to {$1000.00} per violation plus damages and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX regarding a personal loan I took out couple months ago. 

Despite providing accurate identifying informationincluding my full Social Security number and loan numberI have been unable to access my online account to review or pay off my balance. This issue persists even though the loan documents are accessible through their website using the exact same information. This inconsistency is both confusing and concerning. 

Additionally, I had activated autopay during the loan setup process, but no payments have been withdrawn from my bank account to date. I have also received no emails, statements, or account updates informing me of my balance, due dates, or any potential issues with my payments. This complete lack of communication is unacceptable for a financial institution managing consumer debt. 

I am increasingly concerned that this company is acting in bad faith. Their lack of transparency and failure to provide basic account access and billing information is leading me to believe they may be attempting to accrue late fees or penalties by preventing timely payments. Given reports Ive since seen from other consumers indicating questionable business practices by this lender, I am even more alarmed. 

I am requesting the CFPB investigate XXXX XXXX XXXX handling of my loan and the broader practices that may be affecting other consumers similarly. I am seeking full access to my loan account, the ability to pay it off in full without penalty, and a full explanation as to why my autopay failed and why no communication has been made since the loans origination. 

Please let me know if further documentation or evidence is needed to support this complaint. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NV

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
I am formally disputing the accuracy and legality of the account listed under # XXXX reported as an installment loan with a {$130.00} past due balance and Collection/Chargeoff status. This entry is erroneous and violates my rights under the Fair Credit Reporting ACT ( FCRA ) Section 609 and 611, which requires complete accuracy and verification of all reported data. I demand you immediately provide. 1. The original signed contract with my wet signature. 2. The Complete payment history. 3. Chain of custody showing lawful ownership of debt. Proof this account is not time-barred or incorrectly categorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally disputing late payment entries reported on the following accounts : XXXX Auto Account Number : XXXX XXXX XXXX  Account Number : XXXX These late payments are inaccurate because I was not notified of upcoming due dates or missed payments. The creditors failed to provide payment reminders or warnings, which denied me a fair opportunity to resolve or prevent the delinquency. 

This failure to notify violates my rights under the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) Information must be accurate and complete.

1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report fairly and responsibly.

1681i ( a ) Unverifiable or disputed information must be deleted. 

I am requesting a full reinvestigation. If the furnishers can not prove that proper notice was sent, the late payment marks must be permanently removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
This is my second and final notice disputing a fraudulent account appearing on my credit report : XXXX XXXX XXXX  Account Number : XXXX I did not authorize or open this account. It is the result of identity theft, and I have already submitted the required documentation, including : FTC Identity Theft Report Government-issued ID Social Security card Proof of address Despite this, the account remains on my report. Your failure to remove it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 1681b ( c ) No permissible purpose for the inquiry 1681c-2 Must block identity theftrelated data within 4 business days 1681i ( a ) Unverified data must be deleted after reinvestigation 18 U.S.C. 1028A Willful inaction amounts to aggravated identity theft I am requesting immediate deletion of this fraudulent account and confirmation that my report has been corrected. Failure to comply will result in further action with the CFPB, FTC, XXXX, state attorneys general, and legal claims under FCRA 616.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: MI

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NM

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, to dispute outdated or inaccurate information being reported on my credit file regarding a previously closed account with XXXX XXXX. 
The following account appears with derogatory payment history that I believe is now either inaccurate, obsolete, or not verifiable, and I respectfully request that it be corrected or removed : Account Summary : Creditor Name : XXXX XXXX Account Type : Secured Credit Card Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Credit Limit : {$500.00} Reported Balance : {$0.00} Reported Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Status : Closed with {$0.00} balance Last Reported : XX/XX/XXXX Times XXXX Days Late : XXXX Dispute Basis : I am disputing the late payment entries listed above because they are now more than XXXX to XXXX XXXX XXXX and may be unverifiable or misreported. Additionally, the account has been closed in good standing with a {$0.00} balance since XX/XX/XXXX. Under FCRA 1681e ( b ), you are required to ensure all information on consumer reports is accurate and current. 
Older payment history particularly over XXXX years old ( such as XX/XX/XXXX ) may no longer be legally reportable under FCRA XXXX ( a ) ( XXXX ). For any marks still within the reportable window, I request that you reinvestigate the entries with the furnisher ( XXXX XXXX ) and remove or correct any that can not be verified with original records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I mistakenly transferred XXXX XXXX  XXXX  ( a XXXX cryptocurrency ) to my XXXX deposit address on Coinbase before the token was officially supported by their platform. The transaction was confirmed on-chain and the tokens have remained untouched in a Coinbase-controlled wallet ever since. 

After realizing the issue, I contacted Coinbase Support and was assured in writing by a representative XXXX XXXX ) that the tokens would appear in my account if Coinbase added support for XXXX in the future. On XX/XX/year>, another agent ( XXXX ) reaffirmed that once supported, I would be able to transfer the XXXX  within my Coinbase account. 

Coinbase now officially supports and lists XXXX. However, the tokens remain locked and uncredited to my account. Despite multiple written assurances from Coinbase, they have failed to make the funds accessible or offer a return. The funds are still visible on the blockchain, held in the Coinbase wallet to which I sent them. 

At the time of the transfer, the token value was {$8600.00}. The current value is {$6800.00}, reflecting a documented financial loss due to Coinbases failure to act in a timely manner. I have contacted Coinbase multiple times with screenshots, transaction hashes, and proof of support agent communication, and have not received resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account Number XXXX XXXX XXXX XXXX XXXX  Amount : {$37000.00} To Whom It May Concern, I am writing in response to your communication dated XX/XX/year> regarding an alleged debt tied to account number XXXX XXXX XXXX XXXX XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you validate this debt. 

Specifically, please provide in writing : The name and address of the original creditor and the current creditor. 

The original account number and your account reference number. 

An itemized statement showing the principal balance, interest, fees, and total amount claimed. 

A copy of the original contract or agreement that I signed. 
Documentation proving you are authorized and licensed to collect debt in Georgia. 

Verification of the date the debt was incurred, the date of last payment, and any judgments ( if applicable ). 
I am disputing the validity of this debt and request that all collection activity ceaseincluding contacting me and reporting to credit bureausuntil you provide the requested validation. If you do not validate this debt within 30 days of receipt, you must stop all collection efforts and delete any reporting to credit bureaus related to this account. 

Once I receive validation, I will review the information and respond accordingly. Until then, I consider this debt to be disputed. 

Please send all correspondence to the address above via certified mail. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account Number XXXX XXXX XXXX XXXX XXXX Amount : {$37000.00} To Whom It May Concern, I am writing in response to your communication dated XX/XX/year> regarding an alleged debt tied to account number XXXX XXXX XXXX XXXX XXXX Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you validate this debt.

Specifically, please provide in writing : The name and address of the original creditor and the current creditor. 

The original account number and your account reference number. 

An itemized statement showing the principal balance, interest, fees, and total amount claimed. 

A copy of the original contract or agreement that I signed. 
Documentation proving you are authorized and licensed to collect debt in Georgia.

Verification of the date the debt was incurred, the date of last payment, and any judgments ( if applicable ). 
I am disputing the validity of this debt and request that all collection activity ceaseincluding contacting me and reporting to credit bureausuntil you provide the requested validation. If you do not validate this debt within 30 days of receipt, you must stop all collection efforts and delete any reporting to credit bureaus related to this account. 

Once I receive validation, I will review the information and respond accordingly. Until then, I consider this debt to be disputed. 

Please send all correspondence to the address above via certified mail. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief