vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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 submitting this complaint against Equifax for its failure to accurately report and investigate multiple late payment entries on my credit report. I formally disputed these entries, which I believe are the result of internal posting or transmission errors by the furnishers. Despite my request for a thorough reinvestigation, Equifax has not corrected the inaccuracies, nor has it provided adequate documentation to support its continued reporting of these derogatory marks. The accounts in question include XXXX XXXX Bank XXXX ( account ending in XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX Bank XXXX XXXX XXXX XXXX XXXX The reported late payment dates span from XX/XX/XXXX through XX/XX/XXXX and include numerous months that I believe were inaccurately recorded. These entries are not only incorrect but also unverifiable, and I have reason to believe they stem from furnishers internal reporting errors rather than actual delinquency on my part. In my dispute letter to Equifax, I requested the removal of all incorrect late payment entries, identification of the individual who verified these entries, the exact method of verification used, and copies of any records relied upon to substantiate the claim that these payments were late. Equifax is required under the Fair Credit Reporting Act ( FCRA ) 1681i to conduct a reasonable reinvestigation of disputed information and to correct or delete any data found to be inaccurate, incomplete, or unverifiable. Furthermore, FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. Equifaxs failure to comply with these provisions constitutes willful and/or negligent noncompliance. If this matter is not resolved within the statutory timeframe, I intend to pursue all remedies available under FCRA 1681n and 1681o, including monetary damages. I respectfully request that the Consumer Financial Protection Bureau investigate this issue and compel Equifax to fulfill its legal obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Dear CFPB Team, I am writing to follow up on my previous complaint ( XXXX  ) that was closed regarding Coinbases mishandling of deposits and account balances.

Coinbase claims that my XX/XX/XXXX deposits totaling {$1500.00} were applied toward a balance owed from XX/XX/XXXX transactions. However, this claim is inconsistent with the facts and my account history : 1. ) As of XX/XX/XXXX, my account balance was {$2600.00}, which already factored in the debt allegedly owed. 

2. ) I made two deposits in XX/XX/XXXX totaling {$1500.00}, which Coinbase never credited to my account before initiating recovery actions. 

3. ) On XX/XX/XXXX, Coinbase deducted {$1500.00} from my Coinbase account balance as recovery funds that overlapped with my XXXX deposits. 

4. ) This means Coinbase effectively withdrew the same {$1500.00} twice : once from my bank account ( XXXX deposits ) and again from my Coinbase balance ( XXXX recovery ). 

5. ) Consequently, my balance was reduced improperly to {$1100.00}, which does not reflect my actual available funds ( {$2600.00} ).

I respectfully request that the CFPB require Coinbase to : Provide a detailed ledger of all transactions from XX/XX/XXXX to present.

Verify the crediting of deposits and recovery actions to prevent double withdrawals.

Refund the {$1500.00} improperly recovered from my Coinbase balance.

The {$75.00} goodwill credit Coinbase offered does not resolve this {$1500.00} accounting error.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX  is reporting multiple fraudulent accounts that I did not authorize or open. I disputed these accounts with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof including signed applications and account records, as required under the Fair Credit Reporting Act ( FCRA ). XXXX has failed to provide any such proof yet continues to report these accounts, causing ongoing harm to my credit. I am requesting the immediate removal of all fraudulent accounts and a corrected credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to correct an inaccurate payment history on my credit reports despite submitting three disputes over the past two months. My original dispute was sent more than 35 days ago, followed by a second and now a third submission. I have not received any valid documentation verifying the reported late payment.

This dispute is being submitted directly by me, not by any third party, as I have clearly stated in every letter Ive sent. I have also included all required proof of identity and supporting documents each time. 

The disputed account is : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting an inaccurate late payment. 

The reported late payment may constitute a billing error under 15 U.S.C. 1666 ( b ) due to : Failure to correctly post or credit timely payments.

Computation or accounting errors by the creditor.

Failure to send a billing statement at least 21 days before the due date, making the late payment reporting invalid.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), the credit bureaus must maintain accurate and complete records and conduct a reasonable reinvestigation. I have not been provided with : The method of verification.

The name and contact information of the furnisher.

Any documentary proof supporting the late payment entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
I have repeatedly requested the removal of Private Mortgage Insurance ( PMI ) on my loan with Carrington Mortgage Services. My current loan-to-value ratio is already below the legal threshold for PMI removal under the Homeowners Protection Act ( HPA ), based on my original property value and current principal balance.

Carrington has received multiple written requests from me regarding PMI removal : -First major PMI discussion with Carrington : XX/XX/2025 you mentioned PMI was still being charged despite eligibility for removal. 

-Formal dispute letter drafting : XXXX XXXX XXXX letter regarding the misapplied XX/XX/2025 mortgage payments and PMI removal impact. 

-Follow-up communication attempts : Late XX/XX/2025 no response -Silence from Carrington : As of today, XX/XX/2025, you have not received any update or resolution on PMI removal. 

Despite meeting the contractual and statutory requirements for PMI termination, Carrington has failed to provide written confirmation, has continued billing PMI premiums, and has not responded to my most recent inquiries. 

Separately, Carringtons biweekly payment program has also been mismanaged. I enrolled under the agreement that payments would be drafted biweekly which start on the XXXX of the month, ( according to their own system ). Carrington failed to withdraw on the scheduled dates, which caused a recorded missed payment in their system despite sufficient funds being available and it being on an auto draft setting. After reviewing further, I have noticed that their system holds partial payments in a suspense account until the second half posts, rather than applying funds directly to the loan balance. This practice misrepresents a customers payment status and can incorrectly impact eligibility for PMI removal. 

I believe Carringtons actions violate the Real Estate Settlement Procedures Act ( RESPA ) by failing to respond to servicing-related requests within required timeframes and by mishandling payments in a way that causes improper charges and delays in required servicing actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MI

Complaint narrative:
I, XXXX XXXX, have submitted multiple written disputes over the past several months regarding inaccurate payment history being reported on my credit file. These disputes have always been submitted directly by me, not by any third party, and I have repeatedly stated this fact in every letter I have sent. I have also provided proper documentation with each submission to support my disputes, including proof of identity and relevant account records. 

Despite my compliance with all requirements under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), the bureaus have continued to claim that an unauthorized third party is involved. This is false, unsupported, and a blatant disregard of the facts and documentation I have provided. 

The inaccurate reporting relates to the following accounts, which still show late payments that I believe to be incorrect and potentially the result of billing errors as defined in 15 U.S. Code 1666 ( b ) : XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Late Payment Open ) XXXX XXXXXXXX Bank Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late Payment Open ) XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  ( Late Payment Open ) My disputes outlined that the alleged late payments may be invalid because of : Failure to correctly post or credit timely payments Computation or accounting errors Failure to send a billing statement at least 21 days before the due date, making late payment reporting legally invalid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: PA

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, XXXX XXXX XXXX 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 XXXX business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-08-12 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: AZ

Complaint narrative:
The following item ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-08-12 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: AZ

Complaint narrative:
The following item ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit reporting agencies are showing vastly different percentages in the amount of on time payments made on the account which are negatively affecting my score and i would like to have the account removed from all three reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit reporting agencies are showing vastly different percentages in the amount of on time payments made on the account which are negatively affecting my score and i would like to have the account removed from all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
The following account ( XXXX ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these 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 non-monetary relief
Consumer complaint received 2025-08-12 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 a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit. I do not have a contract with this creditor, I do not recognize or authorize this account. 

Account Name : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit. I do not have a contract with this creditor, I do not recognize or authorize this account. 

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation