vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Fraudulent Activity and Misuse of My Credit File I am writing to formally report that I am a victim of fraud and that my personal information has been used without my authorization, resulting in serious abuse of my credit file.

I recently became aware of several accounts and/or credit inquiries that were made in my name which I did not initiate or authorize. This fraudulent activity has negatively impacted my credit score and has caused significant financial and emotional hardship, including denial of credit, increased interest rates, and reputational damage.

Please consider this a formal request to investigate the matter thoroughly and to take all necessary steps to correct my credit file. I am in the process of filing reports with the appropriate law enforcement agencies and credit bureaus, and I will provide any documentation needed to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-02 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my accounts ending in Account number XXXX Account number XXXX that are inaccurate and not properly verified I have disputed this directly with the credit bureaus and the furniture but the late payments without proper validation or documentation under 15 U.S.C. 1681S2A Furnitures must report accurate information under 15 U.S.C 1681I th credit bureaus must perform a reasonable investigation within XXXX neither have provided evidence to support negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Background : On XX/XX/year> I submitted a written request for a refund of {$29000.00} in credit balance on my Capital One card. Under Reg Z 12 CFR 1026.11 ( a ) ( 2 ) the creditor must refund the balance within seven business days. More than 16 business days have passed with no refund. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He said my account was locked due to two large balance-transfer payments ( {$17000.00} + {$12000.00} ) made by my spouse, XXXX XXXX XXXX XXXX from her XXXX XXXX XXXX XXXX XXXX Although I provided XXXX statements, XXXX required a three-way call with XXXX  and guaranteed that once my spouse called back the lock would be removed immediately and the refund resumed. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With my spouse present, we called back. XXXX XXXX XXXX, stating verification must be done by an internal team that will call us back in 710 days. When informed the call was being recorded, she abruptly disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent and confirmed identity and other valid information to remove fraudulent information from my credit report. I am also attaching the police report, ID and FTC report, again. The Bankruptcy from XX/XX/year> needs to be removed immediately due to stolen identity done through a data breach.

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 2025-05-02 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$880.00} XXXX XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: FL

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 explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor has you provided the legally required verification documentation in response to my demand under FCRA XXXX ( a ). 

Let me remind you that under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA XXXX ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA XXXX for damages resulting from your willful or negligent noncompliance. 


Documentation Still Required : Despite my prior request, you have not produced any of the following : XXXX. A copy of the original creditor agreement bearing my signature ( if applicable ) ; XXXX. Records or communications used to verify the accuracy of the disputed information ; XXXX. Documentation outlining your reinvestigation procedure and final findings. 

Without this verification, continued reporting of inaccurate information violates FCRA XXXX ( a ) ( XXXX ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 


XXXXXXXX XXXX XXXXXXXX

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 2025-05-02 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX XXXX stating that my XXXX XXXX dropped and was due to a delinquent account from XXXX. I was never given any notice of my student loans starting back up. This is in violation of 15 USC 1681s-2. As I was on the phone with XXXX I decided to create an account to investigate further into the matter. I saw that I owed an extreme amount of money on top of interest accrued. I eventually got hold of a representative and informed them of my issue. They told they sent me notifications to which I refuted that claim and told them the only message I received was from XXXX  XXXX stating that I had a delinquent account. After the representative placed me on hold and returned she informed me that they previously had an account for me, but my account was deleted due to an update on the website. I told them this was not my fault that they did not inform me of my account deletion nor did they attempt to reinstate my account after the website was updated. I requested a letter that I could show to my credit bureau that this was mishandling of information as well as negligence. I requested a letter to show to my credit bureau that this was mishandling of my information, negligent communication, and failure to give notice XXXX, XXXX, XXXX  day delinquency. I was denied. I requested for XXXX to reach out to my credit bureau ; they denied my request. I asked about XXXX and was denied when the representative stated that " XXXX does not do XXXX  ''. I was only offered forbearance as a last option -- I had no choice but to accept due to such sudden notice and lack of accountability on XXXXXXXX XXXX  part. This has impacted my XXXX XXXX severely and lead to a denial to be an account for a house on the market.

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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I have had a Coinbase account since XXXX. In XXXX, I was scammed out of all but {$95.00} or my {$100000.00} crypto. At the time I called Coinbase support and the locked me account, but told me no transactions had been made. A month later when I went to open a new account to transfer the funds to, only {$95.00} came over. Coinbase first told me I could not have a copy of the conversation with the person who said my funds were safe. Later they sent me a note saying they were sorry if the incorrect answer caused inconvenience. I joined a class action lawsuit and settled for XXXX XXXXXXXX a couple years later. 
In XXXX of XXXX, I bought a cheap new crypto and it immediately plummeted in price. I bought it XXXX more times on the way down. Then it really plummeted, so I decided to buy more to average out my losses. This was on XX/XX/XXXX. My account was being verified so I could not make any transactions. I called the Coinbase help line at least XXXX times and chatted online at least XXXX times about this. Each time, they assured me my case had been moved up to the highest level and I would get an email in a day or so. About XX/XX/XXXX, I got an email from XXXX XXXX telling me to send the following information so they could verify my account. They asked me to upload and provide my last XXXX bank statements showing my pension deposits, they asked where I got the money I was going to invest and if any of it was from foreign sources. I wrote back asking someone of authority to call me and explain why I should share my personal financial information with them. I have gotten no reply except a couple more emails requesting this information so they can verify my account, I do know XXXX  XXXX  is an XXXX based company that provides security for Coinbase. I will attach a link to XXXX of the emails I got from XXXX in hopes this can be resolved. I also told them if they couldn't explain why they needed this specific information then to just close my account and I would accept the loss ( about XXXX ) - see attached link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They locked my account and said a investigation was underway but said it can be a indefinite period for the investigation and they also stated they ended the banking relationship with me but will not send me the remaining money in my checking account I get a statement in the mail every 60 days showing the amount left they will not let me access the money in any way and say they can not give me a time frame even though their investigation has ended they said

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed 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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME XXXX AND NUMBER : XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-05-02 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC XXXX Resurgent Capital Services, LP regarding a charged-off account they are reporting to TransUnion that has been disputed multiple times and remains on my report without proper legal validation. 
This is my third round of disputes. Despite repeated requests, the agency has failed to provide a wet-ink signature agreement, chain of assignment with account-level detail, or any legally sufficient proof of debt ownership and liability. 
Their most recent response included billing statements and internal summariesnone of which meet the standards for debt validation under FDCPA 809, FCRA 1681i, 1681s-2 ( b ), and Metro 2 compliance standards. The account continues to report as a charge-off without proper updates to the Date of First Delinquency ( DOFD ) or dispute notations.

Company response to consumer: Closed with explanation