vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
This complaint is directly related to disputed this account and requested full legal debt validation on or before XX/XX/year>, I received return mail for the last two letter I sent and prior to Jefferson still has not validation my demand for validation of acct ending in XXXX aspire card true accord account # XXXX allegedly owed {$1300.00}. 

I had previously disputed this account and requested full legal debt validation. Their response fails to meet the requirements of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ), Regulation F ( 12 CFR Part 1006 ), Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ), Texas Finance Code 392.202, and XXXX XXXX reporting standards. 

Specifically, they did not provide : A complete chain of title from the original creditor ( XXXX XXXX  XXXX  ) to JEFFERSON CAPITAL SYSTEMSS LLC.

A signed credit agreement or contract establishing my liability. 

A full itemized account history proving the accuracy of the alleged balance. 

Proof of XXXX XXXX compliance, including the correct Date of First Delinquency and accurate reporting codes. 

Proof they are licensed to collect in Texas under Texas Finance Code 392.101.

Despite the lack of proper validation, they state are still showing in active collection, and they continue to furnish the account to XXXX XXXX and XXXX without proper verification. This is a violation of FDCPA 1692g ( b ), Regulation F 1006.30 ( b ), and FCRA 1681s-2 ( b ).

I am requesting that CFPB instruct the company to either : Provide the required full legal validation ; OR Cease all collection activities and delete the account from all credit reporting agencies in accordance with FCRA 1681i ( a ) ( 5 ) ( A ). 

I am uploading the XX/XX/year> return to sender envelopes and the original letter of validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am a XXXX Coinbase XXXX member who has paid continuously since enrollment. Coinbase has acknowledged that " legacy protection '' -- the {$1.00} XXXX account protection benefit -- still exists for certain members. I meet the criteria and never agreed to downgrade my protection. Despite providing clear documentation and evidence, Coinbase has refused to escalate my case to a supervisor, has closed my support threads without resolution, and continues to provide contradictory and evasive responses. This is a breach of the advertised benefit that was a material reason I joined Coinbase XXXX and have paid monthly for years. I am seeking restoration of my original {$1.00} XXXX protection benefit and a formal acknowledgment of my eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not authorize these companies to access my credit report, nor did I apply for anything with them. As a consumer, I value my rights, and I feel they have been violated. My life is already stressful enough, and this situation is adding unnecessary anxiety.

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 2025-08-08 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: CA

Complaint narrative:
Please take off these accounts within 15 days as mandated by USC 1681gIm not liable.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Dear Sir of Experian, I'm here for dispute XXXX unauthorized inquiries on my credit report, this inquiries were made without my authorization, I request to delete this inquiries immediately of my credit file. Under the Fair Credit Reporting Act, must only appear inquiries made with my authorization, and in a case of don't count with proof of my authorization, MUST DELETED ON MY CREDIT REPORT. Inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-08 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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: TX

Complaint narrative:
In 2018, I signed up with XXXX XXXX and paid a {$150.00} deposit, which was split across XXXX bills. After a XXXX I contacted them to close my account, but they told me I had to remain a customer for XXXX years. XXXX years later, I called again to close the account and was given the same excuse. 

I told the representative that this was dishonest, and they eventually admitted their system had changed and they could no longer access the original terms. They finally agreed to close the account. 

When I asked about my deposit, they initially denied having any record of it. Later, a representative admitted there was no trace, even though I had paid it. Because of this, I refused to pay the final bill of around {$170.00}. I offered to pay it if they applied my {$150.00} deposit toward it, but they declined. 

Despite not having my Social Security number or full personal information, XXXX XXXX somehow sent this balance to collections in XXXX years after I initially opened the account. The amount has now grown to {$270.00}. 

I want to be clear : I am an honest person. This is the only collection item Ive ever had in my life. Just XXXX actions were unethical and dishonest. They imposed arbitrary charges, ignored proper procedures, and handed the matter over to collections without following any clear rules or regulations. I even offered the collection agency {$50.00} to resolve the matter, but they refused. 

In my experience, XXXX XXXX operates in bad faith and should be held accountable for their predatory and misleading practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 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 2025-08-08 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
b'This company continues to add unexplainable fees to my balance and when I call and speak with the customer service team they continue to give me different answers to why my balance continues to increase rather than decreasing. I have signed a contract for 48 months and I have made my payment of XXXX  each month for the past 3 1/2 years. I have called the office multiple times asking the same questions only to receive rudeness and unprofessional responses, am hung up on and when I call and ask to record our conversation due to their unprofessional attitude am hung up on. I believe this company has taken advantage of robbing not only myself but plenty of others with unexplainable fees that dont exist in the contracts we signedXXXX XXXXNot only adding unexplainable fees, this company staff will bully and lie to customers to receive monthly payments. This company contract states that a 10 day grace period is granted and there will be an additional XXXX fee after grace period expires but representatives will call customer harassing and bullying customers to make payments or else.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I have an home improvement loan with GoodleapLLC provided by the contractor, XXXX XXXX, to replace the roof at my house, XXXX XXXX XXXX XXXX, CA XXXX. The {$55000.00} dollar loan has a 0 % interest grace period up to XX/XX/year>. I sent a {$10000.00} check from my XXXX HELOC on XX/XX/year> priority mail. Delivery was verified on XX/XX/year>. I sent the check to the payment address on my GoodleapLLC contract. As of yet they say they have not received the check. On XX/XX/year>XXXX  I was notified on my GoodleapLLC account that GoodleapLLC changed their XXXX XXXX on XX/XX/year>. On XX/XX/year>XXXX  I sent direct from my checking account to GoodleapLLC {$15000.00} principal payment. I have paperwork showing GoodleapLLC processed that payment on XX/XX/year>, however they did not draw the money until XX/XX/year> and then charged interest and fees on the {$55000.00} loan. I beleive what GoodleapLLC did was illegal. It is definitely immoral, and borderlines on elder abuse and financial hardship. I should be paying interest and fees on {$30000.00} dollars. I was in process of increasing my HELOC to payoff GoodleapLLC. This would have reduced GoodleapLLC 's interest of 15.99 % to my HELOC 's 7.99 %. Because of GoosleapLLC 's unscrupulous activities I was denied the HELOC by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 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, that is considered identity theft. 

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: IL

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