vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Product or Service : Debt Collection / Credit Reporting What happened : I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 

What I believe is wrong : The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable What I have done so far : I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting. 

I am requesting a full investigation and a written response explaining the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CO

Complaint narrative:
I have reached to the credit bureaus through multiple certified letters, with no response and zero actions taken, I also have tried calling with no luck after waiting long hours on hold. regarding account XXXX XXXX on Transunion and Experian with totaling different information on both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pulled a copy of my consumer report and notified these agencies on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to these agencies which included a Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX XXXX  ( XXXX  ) complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations these agencies perpetrated under the FCRA, while notifying the agencies that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records. For clarification... me, the consumer does not want any fraud alerts placed on my account.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am sending to you with respect and professionalism to request a thorough review and correction of several accounts currently appearing on my credit file. After spending considerable time reviewing my report line by line, I noticed that certain accounts are being presented in a manner that does not fully or accurately reflect the way they were managed, resolved, or included within my overall financial obligations. 
The purpose of this letter is not to dispute ownership of these accounts, to request their correction. Rather, I am requesting that ensure the information reported is complete, balanced, and consistent with the actual handling of the accounts. The Fair Credit Reporting Act ( FCRA ) was enacted to protect consumers from incomplete or misleading credit reporting, and I am exercising my right under this law to request correction where reporting does not tell the full story. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} Under FCRA 611 ( 15 U.S.C. 1681i ), is required to conduct a reasonable investigation into disputed information. In addition, FCRA 623 ( a ) ( 2 ) and 623 ( b ) impose a duty upon data furnishers to correct, update, and verify the accuracy of any information once a dispute has been initiated. Moreover, 15 U.S.C. 1666 and 1666a require that billing information be handled carefully during dispute review and accurately reflected once verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2025-12-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation
State: NY

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Email : XXXX Debt Information Alleged Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Collection Agency : XXXX XXXX Account Number : XXXX Summary of the Issue I formally disputed this alleged debt in writing and requested full validation under FDCPA 1692g ( b ). Despite multiple written communications, XXXX XXXX has failed to provide any legally required validation and has ceased responding entirely. 
XXXX XXXX has improperly claimed that the debt was determined to be valid and unpaid without providing validation, which is a direct violation of federal law. 
FDCPA Violations XXXX XXXX has committed the following violations : Failure to Provide Debt Validation I requested validation including the original signed contract, itemized accounting, proof of legal authority to collect, and proof the debt is enforceable. None has been provided. 
Premature Declaration of Debt Validity The agency stated the debt was valid while the dispute was active, violating FDCPA 1692g ( b ).

False Statements Regarding Payments XXXX XXXX falsely referenced a XXXX  automatic payment plan. No such plan exists, and I never authorized automatic payments. 
Improper Collection Activity During Dispute The agency implied payment could continue during the investigation, which is misleading and unlawful. 
Failure to Respond to Written Correspondence After acknowledging my dispute, XXXX XXXX stopped responding entirely. 
Underlying Fraud and Deceptive Practices The alleged maintenance fee arises from a timeshare product obtained through deceptive and misleading sales practices, including : False promises of a three-month cancellation period Delayed system access that made cancellation impossible Misrepresented benefits ( airfare, cruises, vacations ) Confirmation from third-party travel providers that no relationship existed Referral to resale companies that provided no service Being advised to give away the timeshare because it had no market value I paid approximately {$15000.00}, never used the product, and never had meaningful access. The original loan was paid in full. The continued attempt to collect maintenance fees under these circumstances is unfair, deceptive, and abusive. 
Requested Action I respectfully request that your office : Investigate XXXX XXXX for FDCPA violations Investigate XXXX XXXX for deceptive and unfair business practices Require written proof of validation or termination of collection Prevent further collection, credit reporting, or consumer harm I have retained copies of all correspondence and am prepared to provide documentation upon request. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against TransUnion for illegally reinserting a previously deleted collection account from ( XXXX XXXX XXXX ) and now XXXX XXXX  XXXX XXXX XXXX XXXX. This account was deleted from my credit report due to identity theft and has now been reinserted without the legally required notice.

Under FCRA 611 ( a ) ( 5 ) ( B ) ( ii ), a credit reporting agency may not reinsert deleted information unless the furnisher certifies its accuracy AND the bureau provides written notice to the consumer within 5 business days. I received no notice at all.

Additionally, TransUnion failed to provide the required description of the reinsertion procedure under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account does not belong to me and is being reported on my file in error.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax Information XXXX XXXX XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i, due to its failure to conduct a reasonable reinvestigation of disputed, inaccurate information on my consumer credit report. Despite receiving multiple detailed disputes supported by creditor acknowledgments and corrections, Equifax has continued to verify and report inaccurate data, causing ongoing financial and reputational harm. 

On prior occasions, I formally disputed several accounts that contained clear reporting errors. These disputes provided Equifax with more than sufficient information to conduct a lawful reinvestigation. Instead of performing an independent and reasonable investigation, Equifax relied on automated e-OSCAR responses and blindly accepted furnisher replies without verifying accuracy, which is explicitly prohibited under federal law. Courts have consistently held that credit reporting agencies may not simply parrot information from furnishers when a consumer has raised specific, documented disputes. 

The accounts at issue include XXXX XXXX XXXX, where the furnisher acknowledged reporting errors and confirmed the account required correction ; XXXX XXXX XXXX XXXX, where the creditor admitted statements were sent to an incorrect address and agreed to correct the reporting ; and XXXX XXXX XXXX XXXX, where the account was never late and the creditor approved corrections. Despite these confirmations, Equifax continues to report inaccurate late payments and other false information, demonstrating a clear failure to comply with its statutory duties. 

Equifax has now been placed on repeated notice that the information it is reporting is inaccurate. Its continued verification of these accounts without correction constitutes willful and negligent noncompliance with the FCRA. These actions have damaged my credit profile, increased my cost of credit, and interfered with my ability to obtain fair financial opportunities. Equifaxs conduct reflects a systemic disregard for consumer rights and federal law. 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 non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION
State: OK

Complaint narrative:
UMB Bank closed my account on XX/XX/year>. On XX/XX/year>, the bank reopened the account without my authorization or any notice. On the same date, XXXX retroactively reversed dispute credits from XXXX, XXXX, and XX/XX/year> without providing any explanation, documentation, or evidence of a reasonable investigation. These actions created a negative balance of {$1600.00}.

CFPB Circular XXXX clarifies that financial institutions engage in unfair and abusive practices when they take material account actions without a reasonable basis, adequate investigation, or meaningful notice to the consumer. UMBs unauthorized account reopening and unsupported dispute reversals caused direct financial harm and are inconsistent with Regulation E and UDAAP standards.

I am requesting : Immediate restoration of all improperly reversed dispute credits Removal of the {$1600.00} negative balance Written confirmation that the account reopening was improper Written assurance that no XXXX  or credit reporting will occur Closure of the account in good standing or confirmation of a {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: LA

Complaint narrative:
I discovered multiple student loan accounts being reported on my credit report that I did not open, authorize, or benefit from. These accounts are being reported by XXXX and are the result of identity theft. 

On XX/XX/year>, I submitted a formal identity theft block request to the credit reporting agency under 15 U.S.C. 1681c-2 ( FCRA 605B ). I provided a written statement and proof of identity requesting that the fraudulent student loan accounts be blocked and deleted as required by law.

Despite proper notice, the student loan accounts remain on my credit report. Under federal law, identity-theft-related information must be blocked within four business days of receiving a valid request. 

The continued reporting of these fraudulent student loan accounts is inaccurate, unauthorized, and is causing harm to my credit profile. I am requesting enforcement of my rights under the Fair Credit Reporting Act and immediate removal of the identity-theft-related accounts.

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 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
On XX/XX/year>, I sent {$220.00} USDT using Coinbases email-based send feature to a recipient. Coinbase has confirmed that the recipients account is unable to complete onboarding and can not receive funds due to compliance and or country restrictions.

Because of this, the funds remain unclaimed and inaccessible. Coinbase support has acknowledged that the recipient can not receive the crypto, but Coinbase refuses to return the funds and states the transaction is completed solely because it was sent from my account.

I repeatedly requested : Return of the unclaimed funds, or Escalation to a supervisor or compliance team, or A specific policy citation explaining why email-based funds are considered final when the recipient is permanently unable to receive them.

Coinbase support refused escalation and did not provide a policy citation. They stated the recipient must contact support, despite acknowledging the recipient can not complete verification due to compliance restrictions.

Coinbase also confirmed that this was an email-based send, which is handled internally on Coinbases platform and not a direct on-chain wallet-to-wallet transfer. Coinbase further acknowledged that the funds are inaccessible because the recipient can not receive them, yet refuses to return the unclaimed funds despite maintaining custody and control.

I am requesting regulatory review of Coinbases refusal to return unclaimed custodial funds and refusal to escalate this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was charged an overdraft fee bc of the fee for monthly charge. {$39.00}. They said it was bc of a transaction but it wasnt. It was bc of the monthly fee I was charged an overdraft fee, I have overdraft turned off on all my accounts but yet I get charged for one

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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 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 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 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: GA

Complaint narrative:
I am filing a complaint against P & B Capital Group LLC for illegally re-reporting an account that was previously reported by ( XXXX XXXX XXXX ) and deleted from my credit file due to identity theft. They are not the original creditor and have never validated or verified any alleged debt.

Under FCRA 623 ( a ) ( 5 ), furnishers may not report information that they know or should know is the result of identity theft. Because this account was previously removed for identity theft, P & B Capital was prohibited from re-reporting it.

Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not knowingly or negligently report inaccurate information. Re-reporting a fraudulent account constitutes a knowing violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: MO

Complaint narrative:
This dispute is submitted pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The account identified resulted from identity theft and must be blocked within four ( 4 ) business days upon receipt of my FTC Identity Theft Report and proof of identity. 
XXXX XXXX {$29000.00} XXXX XXXX

Company response to consumer: Closed with explanation