vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-09 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S.C Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ). After reviewing my consumer report it has come to my attention that your office has again violated my privacy. 15 U.S.C 1681 Section 602a 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. No consent is fraudulent.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am reporting a fraudulent account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. Details of the Fraud : The account was opened on XXXX by TRANSWORLD Systems l. The account appears on my credit report with a balance of {$290.00} that I did not incur. I first became aware of this fraudulent account on XXXX XXXX XXXX when I reviewed my credit report/received a notification. Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. I have reached out to TRANSWORLD SYSTEMS I to dispute the fraudulent account, but they have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I was supposed to receive XXXX XXXX  from my external wallet into my Coinbase wallet, the transaction receipt says the transaction was a success but my money did not reflect in my Coinbase account. I reach out to the Coinbase support team, at first, they tried convincing me that I had sent the money to a wrong receiving address but I informed them that I had used this same receiving address for 2 other funds I received through Coinbase wallet, one for {$16.00} on XX/XX/year> and the other for {$560.00} on XX/XX/year>. I provided all these records. Then I was informed that the XXXX  network I used has ongoing issues and they are not sure when its going to be fixed. I have made repeated calls to no avail, I have Even received another XXXX XXXX on XX/XX/year> on the same platform but yet to receive my XXXX XXXX. I was given a case number XXXX for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Dispute & Validation Demand - Portfolio Recovery Associates Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXX XXXX XXXX XXXX  Account # : XXXX : XXXX EQ : XXXX Legal Demands : XXXX. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation XXXX. Immediate Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA XXXX regarding willful or negligent non-compliance Required Actions : XXXX. Conduct investigation within XXXX  days as mandated by law XXXX. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures XXXX. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY : XXXX, XXXX XXXX FOR : 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 2025-04-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Dispute & Validation Demand - Portfolio Recovery Associates Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXX XXXX XXXX XXXX  Account # : XXXX : XXXX EQ : XXXX Legal Demands : XXXX. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation XXXX. Immediate Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA XXXX regarding willful or negligent non-compliance Required Actions : XXXX. Conduct investigation within XXXX  days as mandated by law XXXX. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures XXXX. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: OK

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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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 2025-04-09 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: NJ

Complaint narrative:
Dear Equifax, I am reaching out regarding an account listed on my credit report, which was marked as a repossession and charged off by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my report, I have noticed that this account is still being updated every month as " charged off, '' but it also reflects an active payment history. This is inconsistent with how a charged-off account should be reported, as no payments should be shown on a charged-off account. 
According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and verifiable. A repossession charge-off should not include an active payment history if the account was indeed charged off. Additionally, under 15 U.S.C. 1681i of the FCRA, I am entitled to dispute any information on my credit report that I believe to be inaccurate, and the creditor is required to verify and correct any discrepancies. 
I have previously contacted XXXX XXXX about this issue, but they only verified the account without providing adequate proof of the payment history or addressing the reporting errors. 
Given the inaccuracies in reporting, I kindly request that you remove this account from my credit report in accordance with the FCRAs guidelines for correct and accurate credit reporting. The continued presence of this incorrect information is damaging my creditworthiness, and I would appreciate your prompt attention to this matter. 
Thank you for your time and assistance. I look forward to your response and the swift resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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 recently reviewed my credit report and noticed an account that was not being reported accurately. I had one late payments on an account that I actually paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has not had any late payments. I have attached a copy of my report to this complaint on the following dates XX/XX/2024. I am now requesting that you investigate this account and update these payments as paid on time immediately. Thank you for your understanding and prompt attention.

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 2025-04-09 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : XXXX XXXX XXXX XXXX XX/XX/year>, {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated. 

This was clearly a billing error made my the company and is not a reflection of my payment experience. 

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There are XXXX hard inqueries on my credit report over the last 20 days XXXX from Wells Fargo Bank and another from XXXX XXXX, none of those were authorized by 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 non-monetary relief
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
Under 15 U.S.C. 1681s-2, furnishers of information to CRAs are required to report accurate and complete information. The reporting of this debt appears to be inaccurate, as they have failed to validate the debt and have not provided the necessary documentation to prove the debt 's legitimacy. As such, this constitutes a violation of their duties under the FCRA. 

I am disputing multiple inaccuracies that's on my credit reports, which consists of payment history, balance owed, and confusion as to who owns the account. 

Specifically, Experian identifies XXXX & XX/XX/year>, both as XXXX late days ; XXXX has multiple entries that starts at 60 days late, but there are no 30 days late payment entries ; XXXX also identifies XX/XX/year> as 150 days late, but XXXX & XX/XX/year> does not have any payment information ; XXXX identifies XXXX through XX/XX/year>, as 120 days late ( for each month ). 

15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. 

XXXX, Experian and XXXX indicates that the balance owed is {$160.00}, but XXXX indicates that the balance owed is {$200.00}. 

This account is being reported by multiple entities as active and owed. Only XXXX party can own and report the balance. This violates FCRA 1681s-2 ( a ). 
XXXX indicates that the account is owned by XXXX, Experian indicates that the account is owned by XXXX : XXXX : VT, XXXX indicates that the account is owned by XXXX XXXX, and XXXX indicates that the account was sold to 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 2025-04-09 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> I checked our business account and realized there was several charges in pending I didn't do, so I called the fraud dept and they cancelled my card and filed a claim. I then contacted XXXX  and they informed me that I haven't had no transactions in that wallet in a while, and said it had to happen directly from moon pay I contacted them and the responded by say how can we help prevent this fraudulent action and gave me a form to fill out. Then XX/XX/year> I checked our XXXX XXXX and had a letter from the bank stating they have determined the transaction where authorized and the claim was closed. 
I then went to the bank and the banker was telling the guy on the line from the claim dept that she sees where someone got my CVV code wrong several times before the bank allowed the transaction but the claim dept still would not do anything. 
Please see attached

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