vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding negative credit reporting issues and potential identity theft concerns resulting from a data breach disclosed by Coinbase on XX/XX/year>. 

Per Coinbases official breach notice, cybercriminals bribed overseas Coinbase support agents to steal customer data, including : Name, address, phone, email Masked Social Security Number ( last XXXX digits ) Masked bank account numbers and identifiers Government ID images ( drivers license, passport ) Account data ( balance snapshots, transaction history ) This stolen data has placed me at significant risk for identity theft, creating opportunities for bad actors to open accounts or manipulate my credit profile, resulting in inaccurate negative remarks on my credit report. Under 15 USC 1681c ( c ) ( 2 ), I have formally requested the removal of these inaccurate items with the credit bureaus, as these derogatory remarks are linked to identity theft and the unauthorized use of my personal information.

Request for CFPB Action : 1. Investigate Coinbases handling of this data breach and its impact on my financial safety.

2. Assist in ensuring that Equifax, Experian, and TransUnion comply with my removal requests under 15 USC 1681c ( c ) ( 2 ).

3. Facilitate the correction or removal of all inaccurate, fraudulent, or identity-theft-related negative items from my credit report.

Enclosed with this complaint are : A copy of Coinbases official breach notification Supporting documentation regarding my identity and the disputed accounts My correspondence to the credit bureaus requesting removal of the negative remarks This breach has caused me considerable stress, wasted time, and uncertainty regarding the security of my financial profile and creditworthiness. I am requesting the CFPBs assistance in ensuring that my rights under the Fair Credit Reporting Act and consumer protection laws are upheld. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

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

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 2025-07-10 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: NJ

Complaint narrative:
This complaint concerns Affirm Inc account ending in XXXX, originally opened in XX/XX/XXXX and since paid in full. Affirm is currently reporting multiple delinquencies ( 30, 60, 90, 30 ) without ever providing required notice of default or delinquency. I received no emails, letters, phone calls, or billing statements notifying me of missed payments. 

This constitutes a violation of the FCRA ( 15 U.S.C. 1681s-2 ), which prohibits furnishing inaccurate data to consumer reporting agencies, especially when no notice or verification was ever issued to the consumer. Affirm also failed to satisfy basic due process standards required for adverse reporting. 

These late payments are unverified, unsupported, and unlawfully reported. I demand immediate deletion of all derogatory data and full correction of this tradeline across all CRAs ( XXXX XXXX XXXX ). 

and This complaint concerns Affirm account ending in XXXX, settled in full under an agreement in XX/XX/XXXX. Despite paying the agreed amount, Affirm reported a charge-off and multiple delinquencies ( 30, 60, 90, CO ) actions that were never disclosed nor consented to during the settlement. 

This is a material breach of fair settlement practices and a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), as the information furnished is inaccurate, misleading, and punitive. The charge-off designation directly contradicts the agreed-upon resolution and is designed to cause maximum damage to my credit. 

No prior notice of charge-off was provided. I demand the full removal of all negative reporting, including the charge-off and delinquencies, and a correction reflecting the account as paid and closed in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 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 2025-07-10 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: IL

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally submit a complaint against TransUnion, Experian, and Equifax for inaccurate information on my credit report. I previously submitted disputes regarding several accounts that report missed and late payments ; however, these inaccuracies have not been rectified, and they remain on my credit report. 

Account Details : XXXX. XXXX XXXXXXXX : This account has been closed, and I have never made a late payment. I request the removal of any late payment entries associated with this account. 

XXXX. XXXX XXXX  : This account was closed after I paid off the auto loan in full. I have provided documentation proving I hold the car title. I have never been late in my payments, and I request the removal of any inaccuracies. 

XXXX. XXXX : I have never taken a loan out with this company. Their entry on my report appears to be fraudulent and must be removed immediately. 

These errors are affecting my XXXX XXXX and are interfering with my ability to purchase a home for my family. I cite 15 U.S.C. 1611, which addresses criminal liability for willful and knowing violations of the Consumer Credit Protection Act ( XXXX ). The inaccuracies on my credit report not only harm my financial future but also violate my rights as a consumer. 

I have spent countless hours on the phone with each agency, and they insist that the bureaus must resolve these issues. I have retained legal counsel and am prepared to take legal action if these errors are not corrected promptly. 

I request an investigation into these matters and a response regarding the actions that will be taken to rectify these inaccuracies. Thank you for your attention to this pressing issue.

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 2025-07-10 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: IL

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally submit a complaint against TransUnion, Experian, and Equifax for inaccurate information on my credit report. I previously submitted disputes regarding several accounts that report missed and late payments ; however, these inaccuracies have not been rectified, and they remain on my credit report. 

Account Details : XXXX. XXXX XXXXXXXX : This account has been closed, and I have never made a late payment. I request the removal of any late payment entries associated with this account. 

XXXX. XXXX XXXX  : This account was closed after I paid off the auto loan in full. I have provided documentation proving I hold the car title. I have never been late in my payments, and I request the removal of any inaccuracies. 

XXXX. XXXX : I have never taken a loan out with this company. Their entry on my report appears to be fraudulent and must be removed immediately. 

These errors are affecting my XXXX XXXX and are interfering with my ability to purchase a home for my family. I cite 15 U.S.C. 1611, which addresses criminal liability for willful and knowing violations of the Consumer Credit Protection Act ( XXXX ). The inaccuracies on my credit report not only harm my financial future but also violate my rights as a consumer. 

I have spent countless hours on the phone with each agency, and they insist that the bureaus must resolve these issues. I have retained legal counsel and am prepared to take legal action if these errors are not corrected promptly. 

I request an investigation into these matters and a response regarding the actions that will be taken to rectify these inaccuracies. Thank you for your attention to this pressing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX Date : XX/XX/year> To : Capital One Auto Finance CB DISPUTES TEAM XXXX XXXX XXXX XXXX, TX XXXX5 Re : Request for Debt Validation under 15 U.S.C. 1692g and 1681s-2 Dear Capital One Auto Finance This letter is a formal request for validation of the alleged debt referenced below, as provided by the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2.

Account Information : Creditor Name : Capital One Auto Finance Account Number : XXXX I am disputing this alleged debt and requesting the following information as required by law : Verification of the debt, including the original creditor 's name and the amount allegedly owed.

A copy of any signed agreement or contract that bears my signature and proves my legal obligation to pay the debt.

A full itemized accounting of the alleged debt, including how the amount was calculated and any interest, fees, or other charges.

Proof of your authorization to collect on this debt, including the chain of title from the original creditor to your agency.

A statement that this debt is being reported to any credit bureau ( s ), and if so, the name of each bureau.

Furthermore, if you have already reported this alleged debt to any of the credit reporting agencies ( XXXX XXXX XXXX  ), I am invoking my rights under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to demand that you : Cease reporting the debt until it is properly validated.

Update or remove any inaccurate, incomplete, or unverifiable information from my credit report.

Be advised, reporting information that is inaccurate or unverifiable is a direct violation of the FCRA, and continued reporting without proper validation may constitute willful noncompliance.

Please respond to this request within 30 days from the date you receive this letter. During this time, I request that all collection activity cease, including reporting to credit bureaus, as per 15 U.S.C. 1692g ( b ).

Failure to comply with these federal requirements will be documented, and I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. I also reserve the right to take legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: AL

Complaint narrative:
I am filing a dispute regarding an auto loan account reported under * * XXXX XXXXXXXX / XXXX / XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) on my credit report. The information reported is inaccurate and damaging to my credit profile. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) This account shows multiple late payments and derogatory marks that I do not agree with. 
I have not received clear communication, billing breakdowns, or validation of the reported delinquencies. Additionally, some late payment entries are reported without proper documentation or proof. 
Attempts to resolve this with the creditor directly were unsuccessful. I am requesting the CFPB to initiate an investigation into the accuracy of the data being reported and require the creditor to produce valid proof of the delinquencies and balances reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: AL

Complaint narrative:
I am filing a dispute regarding an auto loan account reported under * * XXXX XXXXXXXX / XXXX / XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) on my credit report. The information reported is inaccurate and damaging to my credit profile. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) This account shows multiple late payments and derogatory marks that I do not agree with. 
I have not received clear communication, billing breakdowns, or validation of the reported delinquencies. Additionally, some late payment entries are reported without proper documentation or proof. 
Attempts to resolve this with the creditor directly were unsuccessful. I am requesting the CFPB to initiate an investigation into the accuracy of the data being reported and require the creditor to produce valid proof of the delinquencies and balances reported.

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XX/XX/year>, while on XXXX XXXX XXXX, I discovered multiple fraudulent credit accounts had been opened in my name without my knowledge or consent. These accounts appeared on my credit report and were opened during a time when I had no access to the internet or financial services due to the nature of my XXXX XXXX. I have never applied for, authorized, or signed any agreements with these creditors. 

The following unauthorized accounts were identified as fraudulent : XXXX ( XXXX ) : {$1500.00} XXXX XXXX XXXX : {$340.00} XXXX XXXX : {$2400.00} XXXX, XXXX : {$440.00} ( Account ID : XXXX ) These accounts were opened and used without my consent, violating federal and state consumer protection laws. I have submitted an identity theft report to the Federal Trade Commission ( FTC Report # XXXX ) and provided a sworn affidavit declaring that I am the victim of identity theft. I have also submitted a formal legal dispute, including supporting documentation such as police reports and XXXX XXXX, demanding the removal of the XXXX account and requesting verification documentation. 

I demand the immediate removal of these fraudulent accounts from my credit file, cessation of all collection activity, and compliance with federal protections afforded to XXXX XXXX under the Servicemembers Civil Relief Act ( SCRA ), the Fair Credit Reporting Act ( FCRA ), and applicable Massachusetts consumer protection statutes. 

I request written confirmation that all necessary corrections have been made to my credit report and that no further actions will be taken regarding these fraudulent debts.

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