vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: MA

Complaint narrative:
I am disputing an alleged charge-off being reported by XXXX XXXX XXXX XXXX XXXX ( WFBNA ) under account # XXXX with a reported balance of {$3100.00}. I have no record or memory of ever opening a credit card account with XXXX XXXX. I have never received any contract, billing statements, or notice of delinquency or charge-off related to this account. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), furnishers are required to report only maximum possible accuracy. Failing to properly verify and report such an account particularly XXXX I do not recognize constitutes a material misrepresentation of my credit history. 

XXXX XXXX, as the furnisher of this data, also has a legal obligation under FCRA XXXX ( b ) to conduct a reasonable investigation after receiving a consumer dispute. If they can not provide a signed original contract, itemized transaction history, or proof of assignment and notification, they are violating their statutory duty. 

Additionally, FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits any person from furnishing inaccurate information knowingly or without reasonable procedures to assure accuracy. 

Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ), I am entitled to validation of the debt, including a clear statement of the original creditor, amount owed, and proof of the debts existence. No such documentation has been provided. 

Continued reporting without verification violates federal law, and past case law supports this position : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) Verification must be meaningful, not just internal notes or summaries. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) A reasonable investigation under FCRA requires more than passive confirmation from the furnisher. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) FCRA requires accuracy and reasonable reinvestigation. 

XXXX has not fulfilled these requirements and is therefore in noncompliance with FCRA XXXX ( b ), XXXX ( b ), and XXXX ( a ). Reporting a potentially inaccurate, unverified charge-off is actively harming my credit profile and financial opportunities.

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 2025-06-18 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: MA

Complaint narrative:
I am disputing an alleged charge-off being reported by XXXX XXXX XXXX XXXX XXXX ( WFBNA ) under account # XXXX with a reported balance of {$3100.00}. I have no record or memory of ever opening a credit card account with XXXX XXXX. I have never received any contract, billing statements, or notice of delinquency or charge-off related to this account. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), furnishers are required to report only maximum possible accuracy. Failing to properly verify and report such an account particularly XXXX I do not recognize constitutes a material misrepresentation of my credit history. 

XXXX XXXX, as the furnisher of this data, also has a legal obligation under FCRA XXXX ( b ) to conduct a reasonable investigation after receiving a consumer dispute. If they can not provide a signed original contract, itemized transaction history, or proof of assignment and notification, they are violating their statutory duty. 

Additionally, FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits any person from furnishing inaccurate information knowingly or without reasonable procedures to assure accuracy. 

Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ), I am entitled to validation of the debt, including a clear statement of the original creditor, amount owed, and proof of the debts existence. No such documentation has been provided. 

Continued reporting without verification violates federal law, and past case law supports this position : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) Verification must be meaningful, not just internal notes or summaries. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) A reasonable investigation under FCRA requires more than passive confirmation from the furnisher. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) FCRA requires accuracy and reasonable reinvestigation. 

XXXX has not fulfilled these requirements and is therefore in noncompliance with FCRA XXXX ( b ), XXXX ( b ), and XXXX ( a ). Reporting a potentially inaccurate, unverified charge-off is actively harming my credit profile and financial opportunities.

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 2025-06-18 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: GA

Complaint narrative:
I, XXXX XXXX, am filing this complaint regarding an account being reported by XXXX XXXX XXXX  XXXX under the partial account number XXXX. 

Nature of the Complaint : The account reflects several late payments being reported to the credit bureaus, specifically on my Equifax, Experian, and TransUnion consumer reports. However, I was never notified of these late payments before they were reported.

According to 15 U.S. Code 1666b Timing of payments, a creditor must : Provide clear and conspicuous disclosure of payment due dates and late fee assessments. 
Adhere to the minimum time period allowed for payment before reporting a delinquency. 

XXXX XXXX failed to provide proper notice or allow for a reasonable grace period before flagging my account with late payments, as required by law. This reporting has caused harm to my credit profile and impacted my ability to obtain fair credit terms.

This conduct is a violation of : 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX account # XXXX report # XXXX has reported this debt, which is a result of identity theft to credit bureaus. The credit bureaus has declined removing this report, after I have submitted supporting documents of verifications of proof of my identity.

According to 15. U.S.C 1692 ( C ) you have violated my rights by unlawful communications, please remove this collection off my credit report, thank you.

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 2025-06-18 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the unauthorized inquiry/furnishing of my consumer report. Upon reviewing my credit file, I noticed that comenity bank obtained/furnished information about me without my knowledge or consent.

Pursuant to 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under certain circumstances, and only with the consumers consent for most non-credit-related purposes. I did not authorize or provide written consent to [ Company Name ] or any affiliate to access, view, or obtain my consumer report.

Because this inquiry/furnishing was made without permissible purpose or proper authorization, I demand that you : Immediately remove the unauthorized inquiry or entry from my credit report.

Provide me with documentation of the authorization that [ Company Name ] supposedly had to access or furnish my credit report, if any exists.

Provide the name and contact information of the party who accessed/furnished my report.

If you are unable to validate this inquiry in accordance with Section 611 of the FCRA ( 15 U.S.C. 1681i ), you are required to remove the item within 30 days of receiving this notice.

Please be advised that continued reporting of inaccurate or unverifiable information may constitute willful noncompliance and could subject your agency to legal action under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
* PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, DEFENDENT ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for XXXX XXXX XXXX Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a confirmed victim of identity theft due to the Equifax data breach, where my personal information was compromised. Fraudulent accounts and inquiries have since appeared on my credit report without my authorization. I submitted a formal dispute with all required documents under the Fair Credit Reporting Act ( FCRA ) Section 605B, including proof of identity theft and confirmation from Equifax that my information was impacted. Per FCRA 605B, the credit bureaus are legally required to block and delete all information resulting from identity theft within XXXX ( XXXX ) business days of receiving proper documentation. This law mandates immediate action. I am requesting the immediate deletion of these fraudulent accounts and inquiries. Failure to comply will result in legal escalation and enforcement under FCRA 616 & 617 for damages due to willful noncompliance.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I tried making two payments on my credit card, that my bank XXXX XXXX XXXX XXXX didnt let go through bc my saving was attached to my share, I had the money in my yield savings, after getting approved for a new card I put a deposit on my XXXX that was also refunded, my shares and saving has the same account number so I wasnt aware it wasnt gon na go through

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Vehicle was repossed in XXXX. I was in a car accident in XXXX and hospitalized. XXXX XXXX XXXX with Santander Consumer USA. Terrible company. I logged on, tried to call to work something out prior to me getting in the accident. The vehicle was sold at auction in XXXX of XXXX of this year at the auction yard. They did not report to me how much it was sold for, did not disclose the name of the auction yard, and the vehicle was not a total loss. They are saying I owe almost XXXX dollars!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX and Experian for continuing to report inaccurate and incomplete account data, despite my XX/XX/XXXX dispute and demand for proper verification. 

The account, which originated on XX/XX/XXXX, is still being reported as open with multiple derogatory notations including repossession in XXXX and XX/XX/XXXX. However, the account history clearly shows inconsistent and conflicting data including late payments, paid amounts that do not reconcile with the reported balance, and a repossession that lacks legal substantiation. 

According to FCRA 623 ( b ) ( 1 ) and 611 ( a ), any furnisher of information must conduct a full reinvestigation and provide complete and verifiable proof when a consumer disputes an entry. Despite that : The account was verified without disclosing the name, contact, or timestamp of the person or system used to verify it. 
No proof of repossession ( such as auction notice, right to cure letter, or date of physical repossession ) has been provided. 
Payment history shows that I made consistent payments in XXXX, XXXX, and XX/XX/XXXX, including a {$1100.00} payment in XXXX which contradicts the narrative that repossession occurred. 

The account shows : 30-day lates from XX/XX/XXXX to XX/XX/XXXX, A 60-day late in XX/XX/XXXX, Repossession in XXXX XXXX, Yet it also reports full payments for XXXX, XXXX, XXXX, and XX/XX/XXXX further proving the account was active and not repossessed. 

The balance fluctuates inconsistently and was verified as {$15000.00} as of XX/XX/XXXX, despite multiple payments made since the alleged repossession. This is a direct violation of : FCRA 607 ( b ) failure to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) failure to provide the consumer with a detailed description of the procedure used to verify disputed information.

FCRA 609 ( a ) ( 1 ) ( E ) failure to provide the sources of information.

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 2025-06-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00}

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 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I accidentally sent XXXX to a wallet address that was previously associated with my closed Coinbase account. The transaction was confirmed on the XXXX XXXX, and the funds were successfully delivered to the address. 

Coinbase support confirmed that the wallet is still under their custodial control, but because my account is closed, they are refusing to retrieve or return the funds. I asked for the possibility of either ( XXXX ) temporarily reactivating my account so I could withdraw the funds or ( XXXX ) having the XXXX transferred to a new verified Coinbase account. They declined both options, citing internal policies not legal or technical limitations. 

I was the original and verified owner of the closed account and can provide full identity verification. The wallet still exists on the blockchain, and Coinbase admitted they maintain control of it, but they will not release my funds. 

I am requesting CFPBs assistance in pressuring Coinbase to return the funds to me through a reasonable, verifiable process. The XXXX  is not lost or stolen it is simply being withheld due to internal policy, despite Coinbase having the ability to resolve this.

Company response to consumer: Closed with explanation