vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: ID

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX XXXX related to a mortgage loan trial modification we participated in from XX/XX/XXXX through XX/XX/XXXX. 

XXXX has reported XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I made all three trial modification payments on time and in full, as required. This has been explicitly acknowledged by XXXX on a recorded call with XXXX of their supervisors, XXXX, who stated : We agree XXXX XXXX that those XXXX payments were on time. Unequivocally. 

I have also attached transaction records from XXXX own portal confirming the following payments : XX/XX/XXXX {$960.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} Despite my full compliance, XXXX continues to report these XXXX months as XXXX late, which is materially misleading under the Fair Credit Reporting Act. This misrepresentation has directly harmed my credit and is now jeopardizing my ability to qualify for a new mortgage, despite my on-time performance under the trial plan. 

XXXX has explained that the account remained technically delinquent until the permanent modification was finalized in XX/XX/XXXX and therefore they believe the reporting is factually accurate. However : 1. They acknowledge I made all required trial payments on time.

2. They chose to suppress reporting for XXXX through XX/XX/XXXX, during which the loan was also delinquent, citing VA guidance demonstrating that discretion is possible. 
3. Their disclosures only stated the modification may have credit or tax implications, but they never clearly explained that on-time trial payments would be reported as late. 
4. While they used a comment code AC ( borrower paying under a repayment plan ), that code is not factored into credit scores or understood by most underwriters and does not mitigate the harm of the XXXX late marks. 

I am not disputing previous delinquencies. We are simply requesting that XXXX either : Remove or suppress the XXXX lates for XX/XX/XXXX through XX/XX/XXXX, or Provide a formal written statement confirming those XXXX payments were made on time and in full, per the trial modification agreement, so we can use that in our credit disputes. 

We have attempted to resolve this directly with XXXX, including on a recorded call where we requested this documentation. So far, they have refused to correct the reporting or provide verification in writing. 

We believe this is a violation of the spirit and intent of the FCRA. The current credit reporting does not reflect my actual payment behavior and creates a materially misleading view of our creditworthiness, despite my documented good-faith compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: ID

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX XXXX related to a mortgage loan trial modification we participated in from XX/XX/XXXX through XX/XX/XXXX. 

XXXX has reported XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I made all three trial modification payments on time and in full, as required. This has been explicitly acknowledged by XXXX on a recorded call with XXXX of their supervisors, XXXX, who stated : We agree XXXX XXXX that those XXXX payments were on time. Unequivocally. 

I have also attached transaction records from XXXX own portal confirming the following payments : XX/XX/XXXX {$960.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} Despite my full compliance, XXXX continues to report these XXXX months as XXXX late, which is materially misleading under the Fair Credit Reporting Act. This misrepresentation has directly harmed my credit and is now jeopardizing my ability to qualify for a new mortgage, despite my on-time performance under the trial plan. 

XXXX has explained that the account remained technically delinquent until the permanent modification was finalized in XX/XX/XXXX and therefore they believe the reporting is factually accurate. However : 1. They acknowledge I made all required trial payments on time.

2. They chose to suppress reporting for XXXX through XX/XX/XXXX, during which the loan was also delinquent, citing VA guidance demonstrating that discretion is possible. 
3. Their disclosures only stated the modification may have credit or tax implications, but they never clearly explained that on-time trial payments would be reported as late.

4. While they used a comment code AC ( borrower paying under a repayment plan ), that code is not factored into credit scores or understood by most underwriters and does not mitigate the harm of the XXXX late marks. 

I am not disputing previous delinquencies. We are simply requesting that XXXX either : Remove or suppress the XXXX lates for XX/XX/XXXX through XX/XX/XXXX, or Provide a formal written statement confirming those XXXX payments were made on time and in full, per the trial modification agreement, so we can use that in our credit disputes. 

We have attempted to resolve this directly with XXXX, including on a recorded call where we requested this documentation. So far, they have refused to correct the reporting or provide verification in writing. 

We believe this is a violation of the spirit and intent of the FCRA. The current credit reporting does not reflect my actual payment behavior and creates a materially misleading view of our creditworthiness, despite my documented good-faith compliance.

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 2025-07-23 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: ID

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX XXXX related to a mortgage loan trial modification we participated in from XX/XX/XXXX through XX/XX/XXXX. 

XXXX has reported XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I made all three trial modification payments on time and in full, as required. This has been explicitly acknowledged by XXXX on a recorded call with XXXX of their supervisors, XXXX, who stated : We agree XXXX XXXX  that those XXXX payments were on time. Unequivocally. 

I have also attached transaction records from XXXX own portal confirming the following payments : XX/XX/XXXX {$960.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} Despite my full compliance, XXXX continues to report these XXXX months as XXXX late, which is materially misleading under the Fair Credit Reporting Act. This misrepresentation has directly harmed my credit and is now jeopardizing my ability to qualify for a new mortgage, despite my on-time performance under the trial plan. 

XXXX has explained that the account remained technically delinquent until the permanent modification was finalized in XX/XX/XXXX and therefore they believe the reporting is factually accurate. However : 1. They acknowledge I made all required trial payments on time.

2. They chose to suppress reporting for XXXX through XX/XX/XXXX, during which the loan was also delinquent, citing VA guidance demonstrating that discretion is possible. 
3. Their disclosures only stated the modification XXXX have credit or tax implications, but they never clearly explained that on-time trial payments would be reported as late. 
4. While they used a comment code AC ( borrower paying under a repayment plan ), that code is not factored into credit scores or understood by most underwriters and does not mitigate the harm of the XXXX late marks. 

I am not disputing previous delinquencies. We are simply requesting that XXXX either : Remove or suppress the XXXX lates for XX/XX/XXXX through XX/XX/XXXX, or Provide a formal written statement confirming those XXXX payments were made on time and in full, per the trial modification agreement, so we can use that in our credit disputes. 

We have attempted to resolve this directly with XXXX, including on a recorded call where we requested this documentation. So far, they have refused to correct the reporting or provide verification in writing. 

We believe this is a violation of the spirit and intent of the FCRA. The current credit reporting does not reflect my actual payment behavior and creates a materially misleading view of our creditworthiness, despite my documented good-faith compliance.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union is claiming to have charged off my XXXX XXXX credit card account. However, they will not provide me any evidence of the chargeoff and have not listed the card status correctly on my credit report. They are currently taking payments for that same card and not reporting those payments to the credit bureaus either. I have requested to the report and XXXX sent to XXXX irs which they have refused to provide stating that everything is done in house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX act XXXX Account, 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX act XXXX Account, 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 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 non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am the consumer filing this complaint. I have previously had issues with Experian regarding the accuracy of my credit file and their failure to properly reinvestigate disputes. In a prior CFPB complaint, Experian falsely claimed they could not verify my identity even though all required identifying documentation was submitted. That response prevented me from submitting feedback and allowed Experian to avoid accountability. 

This time, I am submitting creditor-issued billing statements dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) being falsely reported under XXXX XXXX XXXXXXXX. 

These statements explicitly state : Your account is currently closed and show {$0.00} credit available confirming the accounts are closed and not revolving. 

Despite this clear evidence, Experians response on XX/XX/year> stated no changes will be made. This is a violation of the Fair Credit Reporting Act ( FCRA ) under 1681e ( b ), 1681i, and 1681s-2 ( b ).

The false open status is materially harming me by inflating my utilization and lowering my credit score. I am requesting an immediate correction and an explanation of why this was not addressed properly the first time. I certify that this complaint is submitted directly by me as the consumer.

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 2025-07-23 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: LA

Complaint narrative:
There is information on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. 

My request to block is not being made in error, nor is it based on a material misrepresentation of fact by me. The identified transactions are not related to any activity or transaction initiated by me as the consumer. 


The following accounts should be blocked and deleted from my consumer report : - 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to block the reporting of these fraudulent items within 4 business days of receiving this notice. I look forward to your response confirming the actions taken.

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 2025-07-23 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: TX

Complaint narrative:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.  \n\nFRAUDULENT ACCOUNTS:\n\nAccount Name: XXXX XXXX XXXX XXXX  - Date Opened XXXXXXXXn\nAccount NameXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX\n\nUNAUTHORIZED INQUIRIES:\n\n  XXXX  XXXX  XXXX      XXXXXXXX\n  XXXX  XXXX  XXXXXXXX XXXX\n  XXXX XXXX XXXX  XXXX\n  XXXX XXXX XXXX XXXX XXXX\n  XXXX XXXX XXXX XXXX\n  XXXX XXXX XXXX XXXX\n  XXXX XXXX  XXXX\n  XXXX XXXX XXXX XXXX\n  XXXX XXXX XXXXn  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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have a lot of bank inquiries and accounts thats not mines thats listed in my XXXX XXXX report thats not mines i have no knowledge of these inquiries and i have not tried to open an account with either institution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, these is fraudulent attempt to open up bank account i will like them remove and blocked from my check system and Lexis nexis report ( FTC ) report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX, XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX 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 XXXXXX/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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I have a lot of bank inquiries and accounts thats not mines thats listed in my check system report thats not mines i have no knowledge of these inquiries and i have not tried to open an account with either institution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these is fraudulent attempt to open up bank account i will like them remove and blocked from my check system and XXXX XXXX report ( FTC ) report 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 2025-07-23 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 transferred {$20000.00} in XXXX from my XXXX account to my Coinbase deposit address on the XXXXXXXX XXXX 

The transaction was successful and confirmed on the blockchain : Transaction Hash : XXXX XXXX XXXX XXXX XXXXXXXX ( Coinbase XXXX  address ) The XXXX was sent to the correct Coinbase-generated XXXX  address, but it was not credited to my account because Coinbase does not support XXXX on XXXX Optimism network. 

I contacted Coinbase Support via live chat and opened ticket # XXXX. I explained that the network was supported, the token was valid, and the address was correct. I requested that the case be escalated to the XXXX XXXX XXXX, as Coinbase has recovered similar cases manually before. 

The support agent refused to escalate the issue and inaccurately claimed that the address used was not associated with my Coinbase account which is incorrect, since the address was generated within my profile for XXXX deposits. 

I also tried to use Coinbase 's XXXX XXXX XXXX, but it returned an error : " This asset is not recoverable. '' I am now seeking resolution through the CFPB, requesting that Coinbase either : Manually recover and credit the {$20000.00} XXXX to my account, or Provide a formal written explanation and refund. 

This is a significant amount of money, and the Coinbase platform allowed the generation of a deposit address without warning the user that XXXX was not supported on that network.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NM

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 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