vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Southwest Credit Systems , LP XXXX XXXX XXXX, Suite XXXX XXXX XXXX TX XXXX RE : Immediate Deletion Demand Account # XXXX {$1000.00} To Whom It May Concern, This letter serves as your formal notice of dispute and final demand regarding the collection account listed under Account Number XXXX, in the amount of {$1000.00}, which is being reported to the credit bureaus under my personal information. 

You have failed to provide legal validation of this alleged debt, and your continued reporting is a direct violation of my federally protected consumer rights. A previous bill, invoice, or summary does not meet the standards for lawful debt validation.

You are in violation of the following federal laws : 15 U.S. Code 1692g ( b ) All collection activity must stop until proper validation is furnished.

15 U.S. Code 1681s-2 ( a ) Furnishers are required to report only fully verified and accurate data.

UCC 3-501 I demand the original contract bearing my wet signature to confirm liability.

UCC 1-308 I reserve all rights without prejudice under the Uniform Commercial Code.

You have failed to provide : A legally binding contract or agreement signed by me.

A complete and detailed accounting of how the balance of {$1000.00} was calculated.

Proof that your agency is the legal owner or assignee of this alleged debt.

A copy of your debt collection license for the State of Arizona.

FINAL DEMAND : You are hereby instructed to delete this account immediately from XXXX XXXX XXXX XXXX within XXXX calendar days of the date of this letter. 

Failure to comply will result in : A formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) A report submitted to the Federal Trade Commission ( FTC ) and the Arizona Attorney Generals Office Civil legal action initiated for defamation, emotional distress, and willful violations of federal law This is your final notice. Cease all collection efforts and delete this unverifiable, inaccurate, and harmful trade line from my credit report immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2025-07-18 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: MS

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, AND XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
I WOULD LIKE FOR ALL THE HARD INQUIRES THATS LISTED ON MY IDENTITY THEFT REPORT DELETED FOR IT WAS AN UNAUTHORIZED USED OF MY SOCIAL OR NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I WOULD LIKE FOR ALL THE HARD INQUIRES THATS LISTED ON MY IDENTITY THEFT REPORT DELETED FOR IT WAS AN UNAUTHORIZED USED OF MY SOCIAL OR NAME.

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 2025-07-18 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: FL

Complaint narrative:
I am writing to dispute and request the removal of multiple hard inquiries recently placed on my credit file. These inquiries were not authorized by me, nor do they correspond with any applications or credit activity initiated on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AL

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
Consumer complaint received 2025-07-18 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance {$19000.00} CHILD SUPPORT XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX/2024 XXXXXXXX XXXX/2024XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX/2024 XXXXXXXX XXXX/2024XX/XX/year>

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 2025-07-18 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I installed Coinbase Wallet following all proper procedures. I successfully completed biometric authentication as instructed, and the system confirmed everything was working correctly. Based on this successful setup, I deposited XXXX XXXX and XXXX XXXX into the wallet. 

However, AFTER the deposits were completed, a biometric authentication error suddenly occurred, making my wallet completely inaccessible. I can not access, transfer, or backup my funds. The wallet that was working perfectly during setup now refuses all authentication attempts. 

Timeline : - XX/XX/XXXX : Reported this issue to Coinbase. They acknowledged " We're aware of this issue and working to fix it '' ( Case # XXXX ) - XX/XX/XXXX : Coinbase confirmed " this issue is still unresolved '' but promised they were " working hard to rectify this situation '' - XX/XX/XXXX : After months of waiting, Coinbase asked if I changed biometric settings. I confirmed NO changes were made - XX/XX/XXXX : Coinbase suggested updating the app. I had already tried this multiple times - XX/XX/XXXX : Coinbase suddenly closed my case without any resolution Key facts : - The wallet worked perfectly during setup and initial deposit - Biometric authentication was successfully completed before depositing funds- The error occurred AFTER funds were already in the wallet - Coinbase admitted this was a KNOWN SYSTEM ISSUE - My cryptocurrency has been frozen for over XXXX  years - I followed ALL instructions correctly I have video evidence showing the wallet error and complete email correspondence. This appears to be a bait-and-switch where the wallet works until funds are deposited, then locks users out. 

Full video evidence ( XXXX ) showing the wallet error is available at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The video clearly shows the biometric authentication failure and inability to access funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I was never notified or given any opportunity to resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi XXXX, I need to initiate a reinvestigation for the XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was previously removed from my report on XX/XX/year>, but was re-added on XX/XX/year>, and continues to be reported as a charge-off monthly. 

XXXX XXXX XXXX have successfully deleted this account, and TransUnion had also previously confirmed its deletion through a CFPB claim. The continued reporting of this account by TransUnion, despite previous deletions and verifications of its inaccuracy, is a violation of my rights under 15 U.S. Code 1681, Section B.

Please investigate this matter thoroughly and permanently remove this inaccurate information from my credit report. XXXX Charge account Based on TransUnion report from XX/XX/year> Due : {$0.00} XXXX XXXX Thank you, 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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing an account that contains inaccurate information, which I have documentation to support. Despite this, the account is still being reported on my credit file. Additionally, my current address is listed incorrectly. I previously requested validation of the accounts but have not received any response.

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 2025-07-18 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: FL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} XXXXXXXX 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 2025-07-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am writing to escalate a fraud dispute I just reported via phone. Despite explaining that I was the victim of fraud and did not authorize the transaction ( s ), I was told I could not be refunded. I am formally requesting Chime re-open this dispute under Regulation E protections, as the transfer was unauthorized and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I am writing to formally dispute the validity of a medical collection account Account # XXXX reported by XXXX XXXXXXXX XXXX XXXX listed with the original creditor as XXXX XXXXXXXX, with a balance of {$1100.00}, and a reported open date of XX/XX/XXXX on all XXXX bureaus appeared XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) and updated credit reporting standards effective XX/XX/XXXX, medical collections must meet specific criteria before being reported. This account : Is not recognized or authorized by me, They're violating the one-year waiting period for medical debt reporting, And lacks validation that the services were rendered or billed to me.I request you remove this account from my credit report immediately unless full validation of this debt can be provided. My rights have also been violated because I have a fraud alert and freeze on my account with all Bureaus so this shouldn't be on here anyway.

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 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the validity of a medical collection account Account # XXXX reported by XXXX XXXX XXXX XXXX listed with the original creditor as XXXX XXXXXXXX, with a balance of {$1100.00}, and a reported open date of XX/XX/XXXX on all 3 bureaus appeared XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) and updated credit reporting standards effective XX/XX/XXXX, medical collections must meet specific criteria before being reported. This account : Is not recognized or authorized by me, They're violating the one-year waiting period for medical debt reporting, And lacks validation that the services were rendered or billed to me.I request you remove this account from my credit report immediately unless full validation of this debt can be provided. My rights have also been violated because I have a fraud alert and freeze on my account with all Bureaus so this shouldn't be on here anyway.

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