vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of the charge-off reported by XXXX XXXXXXXX XXXX  on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 ( b ), I request that this account be investigated and subsequently deleted from my credit file if found to be unverifiable or improperly documented.

Specifically, I request that you provide the original signed negotiable instrument or valid assignment documentation that establishes the chain of title for this debt. To date, no such documentation has been provided to me, which constitutes a violation of my rights under the FCRA, as the data reported is unverifiable. The reporting of unverifiable information is a violation of the FCRA, which requires that all information reported must be accurate, complete, and verifiable.

Furthermore, the chain of title for this account has not been demonstrated, and the absence of original signed documentation or proper assignment undermines the legitimacy of the debt reported. This is supported by legal precedent including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, which addressed proper chain of title and documentation requirements, and Chase Bank USA, N.A. v. McCoy, 2011, which emphasizes proper verification obligations. Under these cases, you are obligated to conduct a reasonable investigation and provide evidence of the debt 's validity, including proper chain of title and verification of the original signed negotiable instrument.

Therefore, I request that you cease reporting this disputed account and delete it from my credit report within 30 days of receipt of this letter. Please send me written confirmation of the deletion and the results of your investigation.

This letter also serves as a my second notice that failure to comply with these requests may result in further legal action to enforce my rights under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your mailed response within 30 days

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 2025-11-09 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:
I am writing to formally dispute the accuracy of the charge-off reported by XXXX XXXXXXXX XXXX  on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 ( b ), I request that this account be investigated and subsequently deleted from my credit file if found to be unverifiable or improperly documented.

Specifically, I request that you provide the original signed negotiable instrument or valid assignment documentation that establishes the chain of title for this debt. To date, no such documentation has been provided to me, which constitutes a violation of my rights under the FCRA, as the data reported is unverifiable. The reporting of unverifiable information is a violation of the FCRA, which requires that all information reported must be accurate, complete, and verifiable.

Furthermore, the chain of title for this account has not been demonstrated, and the absence of original signed documentation or proper assignment undermines the legitimacy of the debt reported. This is supported by legal precedent including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, which addressed proper chain of title and documentation requirements, and Chase Bank USA, N.A. v. McCoy, 2011, which emphasizes proper verification obligations. Under these cases, you are obligated to conduct a reasonable investigation and provide evidence of the debt 's validity, including proper chain of title and verification of the original signed negotiable instrument.

Therefore, I request that you cease reporting this disputed account and delete it from my credit report within 30 days of receipt of this letter. Please send me written confirmation of the deletion and the results of your investigation.

This letter also serves as a my second notice that failure to comply with these requests may result in further legal action to enforce my rights under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your mailed response within 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and any inaccuracies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-09 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: Experian Information Solutions Inc.
State: TN

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 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 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am disputing a collection account being reported by SELF/LEAD in the amount of {$720.00} on my credit reports with XXXX XXXX, and XXXX. I discovered the account while reviewing my credit files in XX/XX/year>. The account is listed as closed but continues to report negative information, including the same open date and high credit amount across all three credit bureaus. However, the payment status and last activity dates are inconsistent between bureaus. 

I do not recognize this account, nor did I enter into any contractual agreement with SELF/LEAD. I have never received a notice of debt, original agreement, or any lawful validation of this alleged account as required under the Fair Credit Reporting Act ( FCRA ). Despite these deficiencies, SELF/LEAD continues to furnish this information to the credit reporting agencies. 

I submitted disputes with the credit bureaus under FCRA 609 and 611, requesting verification of the account, but I have not received any documentation containing my original signed agreement or evidence of the alleged debt. The companys continued reporting without validation is misleading and may violate FCRA 623, which requires data furnishers to report only accurate and verifiable information. 

I am requesting that this unverifiable account be removed from all three credit bureaus and that the company provide written confirmation of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I have a XXXX car loan on my credit I called the dealership to see if I could settle the amount w a small amount since I was financing the car I was hoping to gap out the car but they said they dont do it at the dealership they only sale so I called the number they gave me and asked how do I get out of financing the car it was stole and crashed right after the warnty put new engine in I have place report and any other documents they may have needed but they do not wan na help they said I cant refinance be cus they refinance me the car but the car was new so Im cured just wanted to gap out and they making this difficult I want to atlest settle to an agreement something affordable to I can get that off my credit its making my credit go down I cant keep paying on a totaled car I cant drive just want an agreement

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 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
In XXXX, my Coinbase account was hacked and accessed by an unauthorized person. Coinbases security failed to protect my account and allowed the attacker to : Log into my account, Disconnect my phone service so I could not receive verification codes or call for help, Drain over {$1000.00} from my crypto portfolio, and Cause a negative balance of {$970.00}.

No one has ever had access to my Coinbase login, my phone, or my personal devices. I was home alone during the incident. The attacker remotely disconnected my phone service, preventing me from receiving 2FA codes or resetting my password.

Coinbase allowed the hacker to bypass authentication, access the account, and transfer out my assets without my authorization.

What I have done so far At the time of the hack, I tried contacting Coinbase, but I could not call because the hackers disabled my phone service. I recently regained access to my account and discovered Coinbase is now trying to collect $ XXXXthe negative balance caused by fraudulent transactions.

Coinbase Support has refused to remove the balance and is attempting to hold me responsible for losses that were caused by a breach of their platform security.

Why I am filing this complaint This was identity theft and unauthorized electronic fund transfers. Under the Electronic Fund Transfer Act ( Regulation E ), I am not liable for unauthorized transactions when reported. Coinbase has : Failed to provide required documentation ( IP logs / device history ), Failed to return stolen funds, Attempted to collect a fraudulent balance from me.

I did not authorize these transactions, and I did not benefit from them in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am filing a complaint regarding identity theft my personal information was compromise to open fraudulent accounts, and I have already filed a police report ( Report XXXX. [ XXXX XXXX XXXX ] with the XXXX police department on XX/XX/year>. I am requesting assistance under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which grants identity theft victims the right to block fraudulent information from appearing on their credit reports and to have creditors investigate and remove unauthorized accounts. I am attaching the negative items that is still showing on my credit report.

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 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
On XX/XX/XXXX, a Saturday, I have received an e-mail from AMEX. 
Such e-mail stated : your account is being reviewed for a possible limit reduction. 


What you can do Make a payment towards your balance to maintain your current limit we wont take the action stated above if you make a payment of {$2400.00} by XX/XX/XXXX. 



In other words, not only they want a LOT more money than the minimum payment, but also, they want it 9 days PRIOR to my regular due date. 
And, to make matters worse, they send an e-mail during the weekend ( not a business day ), giving me 3 days to comply with their request! 
My regular bill with them shows : Amex XXXX Credit Card XXXX XXXX XXXX XXXX XX/XX/XXXX Account Ending XXXX New Balance {$7300.00} Minimum Payment Due {$180.00} Payment Due Date XX/XX/XXXX p. XXXX Customer Care : XXXX TTY : Use Relay XXXX Website : XXXX Membership Rewards Points Available and Pending as of XX/XX/XXXX XXXX For more details about Rewards, please visit XXXX Now, I have NEVER made a late payment on this card and I always pay MORE than the minimum payment! 
They also suspended my card without my knowledge! Tried to use it today for a very small purchase and the card declined. 
I intend to pay ALL my cards in FULL this month, but by their due date AMEX is the only credit card company that did this to me, this is the first time I had a situation like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I hereby request the following documentation and confirmations : 1 IRS Form 1099-C ( or written confirmation of cancellation ) showing date and IRS reason code.

2 Assignment contract or proof of ownership identifying all parties in the chain of title.

3 Full payment and charge-off history with itemized statements and ledgers.

4 Original signed contract or application establishing legal enforceability.

5 Confirmation that the account is not time-barred under Texas Civil Practice & Remedies Code 16.004 .

6 Proof of Metro 2 compliance and complete audit trail of tradeline updates.

7 Furnishers legal name, license number, and authority to report.

8 Proof of authority to collect or assign rights to report this tradeline. 
9 Securitization documentation, if applicable, including trust name and XXXX XXXX XXXX XXXX ( XXXX ) chain. 
Method of verification and all supporting documentation used to verify this account. 
You are also required to provide the following four independent methods of validation : Full ledger verification of all payments and adjustments. 
Balance reconciliation audit verifying the debt computation. 
Legal documentation of account ownership and assignment chain. 
Confirmation of compliance with XXXX XXXX data integrity standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TN

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 2025-11-09 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: TN

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 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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Noticed on XX/XX/year> {$430.00} fraudulently charged on my debit card that accrued {$310.00} in overdraft fees. I called, reported and disputed said transactions. Nothing was sent or told to me. I went into TD branch in XXXX XXXX Florida 12 days later and sat down with the XXXX. He filed another dispute for fraud again. 14 days after not hearing anything I called AGAIN. Agent told me it stated " fraud claim was denied due to similar usage of money '' not proof. I stated to the agent I was working at the time of the debit card usage and can provide CCTV footage of me working, with no phone in hand. They said " we don't have a way to receive that documentation '' but they would file the claim again. 22 days later nothing in mail, email, phone call, anything. I go into branch AGAIN. Sit with same XXXX he stated " it shows you were on your online banking at the time of purchase '' I said I was not and if they would have allowed me to show the CCTV footage they'd know that. 3 days after that 7 different TD fraud dispute reports come via usps on the same day all dated differently, stating everything the XXXX and agents told me in response to disputes. I call AGAIN. Agent moves me to supervisor. Supervisor states " there is no fraud dept it's AI and they go by your activity. I said IT WAS NOT ME. Now, the person who obtained my banking information has {$400.00} worth of items from target and food they had delivered on my dime. I asked agent if they were able to see " me logging into my online banking '' why couldn't they tell me the IP address that was recorded? They said " we just can't and your responsible for the charges '' their policy states full reimbursement if reported within 30 days. I reported it the first time the next day. I am getting no where I need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: RI

Complaint narrative:
On XX/XX/XXXX, I decided I wanted to withdraw all of the funds from my Robinhood Account and move them into a local credit union, as I am traveling abroad in a few months and wanted easier access to my money. All of the money I have saved as spending money is in this Robinhood Account. Upon trying to transfer the money out, I was given an alert that I could not transfer because my account was restricted. I was told this issue would be resolved by XX/XX/XXXX in the same place on the app it told me my account was restricted. On XX/XX/XXXX, I called Robinhood Support to ask why the account was restricted and if there was anything I could do to speed up the process of the review. I was told that the support team member said there was unusual activity on the account, referring to the transfer out. I told the team member that I was the one that made the transfer, but he told me there was nothing he could do and I would get an email when the restriction on my account was lifted. On the XXXX of XXXX, I checked the app to find that my account was still restricted, but with a new message that says Sorry, we need more time to investigate! I have written multiple emails to various robinhood support emails I have found on the internet, all yielding the same response that it is going to take more time, and to call the support number as I did to ask about the details of the restriction. After looking on internet forums, it seems a lot of people are having similar issues with Robinhood and said the only way to get through to Robinhood in a way that ends with any effective communication is to file a complaint.

Company response to consumer: Closed with explanation