vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1581e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall tollow reasonable procedures to assure the XXXX possible accuracy of the information concerning the individual about whom the report feldies 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unveritiable information ( A ) In general it after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the Intormation is tound to be inaccurate or incomolete or can not be venitied. the consumer reporting agency shall_ ( i ) promptly delete that item of information from the le or te consumer, or moaly wat lem or Iniormaton , as appropriale, Dased on te results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: CBC Companies, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I attempted to pay my monthly auto loan payment through XXXX XXXX XXXX online portal. At checkout, I noticed an unexpected {$17.00} fee added to my usual payment. Unable to reach a representative by phone, I followed their internal recommendation and submitted a billing error dispute in writing well before the due date. I explained the issue and requested that the charge be corrected before I submitted payment. 

I never received a response or acknowledgment of the dispute, as required by law. After waiting and receiving no assistance, I paid the full amountincluding the disputed feejust one day late in good faith. Despite this, XXXX XXXX reported a 30-day late payment to XXXX XXXX XXXX  and Innovis. 

This action is a direct violation of the Fair Credit Billing Act ( 15 U.S. Code 1666 and 1666B ), which requires a creditor to ( 1 ) acknowledge a billing error dispute within 30 days and ( 2 ) investigate and resolve it within 90 days. Under 1666B, it is unlawful to treat a payment as late if the consumer has paid the undisputed portion on time and notified the creditor of a disputed amount. 

Instead of correcting the error, the creditor failed to respond at all, leading to a derogatory mark on my credit report for a late payment I actively tried to avoid. This mark is not only inaccurate but damaging, especially since the account was later paid off through insurance and closed in good standing. 

I have since submitted disputes with the credit bureaus ( XXXX XXXX XXXX XXXX ), and even after a reinvestigation in XX/XX/XXXX, the inaccurate late payment remains. I have sent letters and attempted good faith communication with both the furnisher and the bureaus, but they failed to correct the issue. 

I am requesting that this 30-day late payment entry from XX/XX/XXXX be permanently removed from my credit reports with all three credit bureaus, as it was caused by a billing error that XXXX XXXX XXXX XXXX acknowledge or correct in a timely and lawful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: VW Credit
State: GA

Complaint narrative:
In XX/XX/XXXX, I attempted to pay my monthly auto loan payment through Volkswagen Credit Inc.s online portal. At checkout, I noticed an unexpected {$17.00} fee added to my usual payment. Unable to reach a representative by phone, I followed their internal recommendation and submitted a billing error dispute in writing well before the due date. I explained the issue and requested that the charge be corrected before I submitted payment. 

I never received a response or acknowledgment of the dispute, as required by law. After waiting and receiving no assistance, I paid the full amountincluding the disputed feejust one day late in good faith. Despite this, Volkswagen Credit reported a 30-day late payment to XXXX XXXX XXXX XXXX XXXX 

This action is a direct violation of the Fair Credit Billing Act ( 15 U.S. Code 1666 and 1666B ), which requires a creditor to ( 1 ) acknowledge a billing error dispute within 30 days and ( 2 ) investigate and resolve it within 90 days. Under 1666B, it is unlawful to treat a payment as late if the consumer has paid the undisputed portion on time and notified the creditor of a disputed amount. 

Instead of correcting the error, the creditor failed to respond at all, leading to a derogatory mark on my credit report for a late payment I actively tried to avoid. This mark is not only inaccurate but damaging, especially since the account was later paid off through insurance and closed in good standing. 

I have since submitted disputes with the credit bureaus ( XXXX XXXX XXXX XXXX ), and even after a reinvestigation in XX/XX/XXXX, the inaccurate late payment remains. I have sent letters and attempted good faith communication with both the furnisher and the bureaus, but they failed to correct the issue. 

I am requesting that this 30-day late payment entry from XX/XX/XXXX be permanently removed from my credit reports with all three credit bureaus, as it was caused by a billing error that Volkswagen Credit failed to acknowledge or correct in a timely and lawful manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: VA

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion of Inaccurate Account XXXX XXXX  I am writing to dispute the inaccurate and conflicting information being reported on my credit file regarding the account listed below : Creditor Name : XXXX XXXX  Account Number last four : [ XXXX ] Reported Delinquency : 60 Days Late ( XX/XX/XXXX ), then 120 Days Late ( XX/XX/XXXX ) Inconsistencies & Violations : 1. Chronological Impossibility : Reporting the account as 60 days past due in XX/XX/XXXX followed by 120 days past due in XX/XX/XXXX is factually and mathematically impossible under any standard payment schedule. A 120-day delinquency can not chronologically follow a 60-day delinquency that occurred nearly a year earlier. Also statement shows worst history 60 days past due not 90 or 120+. 
2. Violation of FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. This reporting fails that test.

3. Violation of FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : As a consumer, I am disputing the accuracy and completeness of this account. You are now legally obligated to conduct a reasonable reinvestigation and delete the account if it can not be verified accurately.

4. Violation of FCRA 609 ( a ) ( 1 ), 15 U.S.C. 1681g : I am demanding disclosure of all documentation used to furnish this derogatory information, including payment history, delinquency logs, and original reporting from the furnisher.

Demand for Immediate Action This entry is factually and legally deficient. The conflicting dates and severe delinquency claims are : Inaccurate Misleading Unverifiable Damaging to my credit profile If you are unable to verify the accuracy of the reported data with documented evidence, as required by law, you must delete this XXXX XXXX  account from my credit file entirely. 

Failure to act within 30 days will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to pursue remedies under 15 U.S.C. 1681n for willful noncompliance and damages under 1681o for negligent failure to maintain accurate records.

I expect a written response detailing the results of your reinvestigation, as required by law. If you can not verify this account with original documentation from XXXX XXXX, it must be deleted in full. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-22 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: VA

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion of Inaccurate Account XXXX XXXX  I am writing to dispute the inaccurate and conflicting information being reported on my credit file regarding the account listed below : Creditor Name : XXXX XXXX  Account Number last four : [ XXXX ] Reported Delinquency : 60 Days Late ( XX/XX/XXXX ), then 120 Days Late ( XX/XX/XXXX ) Inconsistencies & Violations : 1. Chronological Impossibility : Reporting the account as 60 days past due in XX/XX/XXXX followed by 120 days past due in XX/XX/XXXX is factually and mathematically impossible under any standard payment schedule. A 120-day delinquency can not chronologically follow a 60-day delinquency that occurred nearly a year earlier. Also statement shows worst history 60 days past due not 90 or 120+. 
2. Violation of FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. This reporting fails that test.

3. Violation of FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : As a consumer, I am disputing the accuracy and completeness of this account. You are now legally obligated to conduct a reasonable reinvestigation and delete the account if it can not be verified accurately.

4. Violation of FCRA 609 ( a ) ( 1 ), 15 U.S.C. 1681g : I am demanding disclosure of all documentation used to furnish this derogatory information, including payment history, delinquency logs, and original reporting from the furnisher.

Demand for Immediate Action This entry is factually and legally deficient. The conflicting dates and severe delinquency claims are : Inaccurate Misleading Unverifiable Damaging to my credit profile If you are unable to verify the accuracy of the reported data with documented evidence, as required by law, you must delete this XXXX XXXX  account from my credit file entirely. 

Failure to act within 30 days will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to pursue remedies under 15 U.S.C. 1681n for willful noncompliance and damages under 1681o for negligent failure to maintain accurate records.

I expect a written response detailing the results of your reinvestigation, as required by law. If you can not verify this account with original documentation from XXXX XXXX, it must be deleted in full. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am writing to formally dispute a collection account that has been placed on my credit record regarding a rental property managed by XXXX. I have never resided at, rented from, or had any financial obligation to any Bozzuto-managed property. Nevertheless, this collection reflects a balance exceeding {$17000.00}, with allegations that no payments were made toward rent at this location. 
Previously, I submitted documentation to refute these claims. However, per the request of the collection agency, I am now providing copies of my mortgage statements for XX/XX/year>, XX/XX/year>, and XX/XX/year>, which clearly demonstrate that I was residing at and financially responsible for a different property during the period in question. 
This appears to be a case of mistaken identity or potential identity theft. As such, I am requesting the immediate removal of this erroneous account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Under Section 605B of the FCRA, consumer reporting agencies are required to block information that results from identity theft and to ensure that only accurate and verifiable information remains on consumer reports. 
Please conduct an appropriate investigation and confirm in writing that this collection has been removed from all relevant records. I appreciate your prompt attention to this matter.

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 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: FL

Complaint narrative:
On XXXX XXXX was informed via both email and a phone call that was recorded, that effective immediately they no longer have my authorization to debit my XXXX XXXX Checking Account ending in XXXX, or the linked XXXX debit card ending in XXXX. Dave refused to revoke ACH and Debit card authorization after being informed that it was illegal for them to do so. They stated that I signed an agreement allowing them to debit my account and I explained to them that that agreement is now null and void since I am now revoking my authorization for them to debit my account. The lady on the phone refused to assist, transfers me to a supervisor who hung up in my face. Dave is not complying with the regulations regarding revoking payment authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I contacted Bank of America about a 30 days late reported on my credit report and was never late I meet the the minimum pay requirement However they reported the post date amount instead of the payment date which was days before the due date. i also spoke with the service rep on the phone when I asked him about this 30day late he checked my pay history and replied that they never reported a 30day late which it clearly shows on all 3 reporting agencies that he was lying! All calls are recorded which if you request the call he will tell that it wasnt reported 30 days late! Pursusing 15 U.S. CODE sec 6802 I dont not and did not consent to Bank of America reporting my personal information to any of the3 credit reporting agencies and request to have the account removed according to the law thats documented. 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 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Company : Coinbase On XX/XX/year>, I signed up for a Coinbase One free trial and cancelled the subscription a few minutes later. I received a cancellation confirmation email at XXXX XXXX 

Despite cancelling immediately, Coinbase continued to charge me {$29.00} per month for XXXX months. I received no billing notifications or receipts for these charges, so I was unaware I was being billed. 

I contacted Coinbase, but they refused to issue a refund, citing their policy. I filed a dispute with my bank and received a refund for XXXX charges, but I am still owed a refund for XXXX unauthorized charges totaling {$89.00}. 

This was a clear case of cancellation during the trial period, and Coinbases system appears to have failed to process it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This account has been closed and taking off one or more credit bureaus. Its still sending information under XXXX XXXX. THIS IS NOT MY LAST NAME! My name is XXXX XXXX. This company sold to another credit collection and is harassing me for an account that is closed! It was closed under 15 U.S. Code 1692C, 15 U.S. Code 1666b, 15 USC 1681 ( E ) B, 15 USC 1681 ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On or about XX/XX/XXXXXXXX  I called Transunion Credit Bureau about fraudulent information on my current consumer report. This information is being reported fraudulently as I have no knowledge of this account. The account in question is XXXXXXXX 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 2025-06-22 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:
I sent dispute letters to the credit reporting agency in May asking for the corrections for the negative accounts I also filed a complaint with the CFPB their response was to do nothing and close the case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On or about XX/XX/XXXXXXXX  I called Transunion Credit Bureau about fraudulent information on my current consumer report. This information is a case of identity theft as I have no knowledge of this information. The information in question is as follows : 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 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : Dispute of Student Loan Reporting Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the reporting of student loan accounts listed on my credit report. Upon reviewing my credit file, I noticed entries related to student loans that I do not recall authorizing to be reported to your agency. I am requesting the immediate removal of these accounts based on the following legal grounds : 1. Lack of Written Consent FERPA Violation Under the Family Educational Rights and Privacy Act ( FERPA ), my education records, including student loan information, are protected. Disclosure of such records to third parties ( including credit bureaus ) without my explicit written consent is a direct violation of FERPA. I have never provided authorization to any educational institution, loan servicer, or third-party entity to share or report my student loan information to your bureau.

2. Violation of 15 U.S. Code 1650 According to 15 USC 1650, there are specific limitations regarding the reporting and use of student loan data. Reporting entities must comply with federal restrictions and consumer protections surrounding student loan disclosures. I am asserting my rights under this law as the reporting of this information was done without my informed consent and without proper legal basis.

Because of the reasons above, I am demanding the following action : Immediate investigation and removal of the student loan accounts reported without authorization.

A written response within 30 days, as required under the Fair Credit Reporting Act ( FCRA ), outlining the outcome of your investigation.

Please consider this letter as a formal dispute of the accuracy and legality of the student loan accounts on my credit file. I also request that you provide me with the name and contact information of the furnisher of this data and the documentation they used to verify their right to report this information.

I expect your timely response and resolution to this matter in accordance with federal law. Thank you for your attention. 

Sincerely, XXXX XXXX XXXX : * -- XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation