vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
I recently obtained a copy of my credit report and noticed inaccurate information. I have reached out to XXXXEquifaxXXXX requesting that they delete the inaccurate information on the account. XXXX/Equifax/XXXX responded , stating all information on my credit report was verified, valid, and accurate. I have now sent a correspondence listing the inaccuracy, and I demand that this account be deleted from my report immediately. Dear Sir/Madam, I am writing to dispute the inaccurate information on my credit report related to my XXXX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX. Upon review, I identified several discrepancies regarding the payment history.

Inaccuracies identified : The report inaccurately lists 6 instances of 30-day late payments and 1 instance of a 60-day late payment. I have made these payments on time, and these late entries are incorrect.

Additionally, the report incorrectly shows " No data available '' for several months, which does not reflect my payment history.

Number of Violations : Total Violations : 7 Amount per Violation : {$500.00}
( based on the consumer 's rights under the FCRA ) Total Violations Amount : {$3500.00} Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), particularly Section 1681i and Section 1681e ( b ), credit bureaus are required to maintain accurate information. The reporting of inaccurate late payments on this account is a violation of these sections.

I respectfully request that you conduct a thorough investigation into this dispute and remove the erroneous late payment entries from my credit report. If the information can not be verified, I request that you delete the account entirely from my credit report. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX SS # : 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 2025-06-06 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2025-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Pharus Funding LLC
State: OK

Complaint narrative:
This is past the statute of limitations. How can it still be collected? The school that this money was borrowed on behalf of was shut down for fraud. As part of the XXXXXXXX XXXX XXXX lawsuit, my federal loans were discharged. I do not feel that this debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CNG HOLDINGS INC
State: OH

Complaint narrative:
Attorney General XXXX XXXX today announced a {$35.00} XXXX settlement with leasing company XXXX XXXX XXXX following an investigation into XXXX advertising and leasing practices. A bipartisan multistate investigation of XXXX attorneys general revealed that XXXX marketing and sales practices often misled people to believe they were signing up for an installment plan or credit sale when they were actually entering into a lease agreement. The lack of transparency and complicated structure of these lease agreements caused confusion and led to customers paying two to three times the purchase price of the product or service. 

XXXX will be cancelling all existing leases and customers may keep the leased merchandise without owing any future payments. Customers will receive approximately {$33.00} XXXX in in-kind financial relief nationwide. Consumers with existing leases do not need to take any action as XXXX has automatically cancelled their account ( s ) as a result of this settlement.

This settlement is another step in the right direction my office is taking to ensure that predatory leasing companies cant take advantage of XXXX XXXX, said Attorney General XXXX XXXX. I will continue to do everything in my power to prevent companies from deceiving and ripping off hardworking people. 

XXXX is permanently banned from engaging in future consumer leasing activities. Additionally, XXXX shall not provide negative information regarding lessees to any consumer reporting agency. 


This company is still on my credit report. All three credit bureaus refuse to remove this off my report. I never even received this merchandise either. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2025, I hired XXXX XXXX XXXX XXXX for a yard cleanup and grading project. We agreed to a total cost of {$2500.00} for full-service cleanup, grading, mulching, and stump handling across both my front and back yard. However, the work was incomplete and caused damage to my property including a large pile of debris left behind and visible cracking to my driveway, which I documented in photos. 

When I raised concerns and asked for the contractor to correct the issues or discount the charge, I was met with verbal threats, yelling, and pressure to immediately hand over my credit card. I was frightened and gave the card only to get them to leave my property. I later sent a clear written message stating : I do not authorize any charge to my credit card at this time. Until a fair resolution is reached, any attempt to process payment will be considered unauthorized and will be disputed with my credit card company. 

Despite that, the contractor charged my card without resolving the issue.

I filed a dispute with Capital One and provided : Screenshots of the above message Photos showing the incomplete work and property damage Police report number XXXX ( I called the police due to the contractors aggressive behavior ) Full text conversations showing our agreement and my repeated efforts to resolve the matter directly and respectfully Capital One closed the dispute, stating the merchant provided an invoice. However, I was never given an invoice, and the work outlined was not completed. I later filed a fraud claim with Capital One since I explicitly stated I did not authorize the charge but they rejected that as well, saying the service was rendered.

Ive done everything in good faith, and I believe Ive been taken advantage of. The contractor caused damage, failed to deliver on what was agreed, and then used intimidation to extract payment. Im seeking a full refund and a fair review of all evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is not reporting my Date of birth on my credit report. This is prohibiting banks and lenders from verifying my identity. When I asked them about this they said that it is up to the " creditor '' to report my DOB to them. What creditor? Arent you the credit bureau that should be automatically reporting this info? in the same sentence she asked me to send docs to have it updated.

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 2025-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally file a complaint against Ally Financial regarding the handling of my XXXX XXXX  account, which has resulted in severe inconvenience, financial loss, and potential damage to my credit. 

Background : My original XXXX lease with Ally Financial was set to expire on XX/XX/year>. I never once missed any payment. 

In XX/XX/year>, I contacted Ally to request a lease extension and was informed I could extend it up to XXXX  months ( until XX/XX/year> ). 

I received and returned the extension paperwork, which I did not closely scrutinize, believing it was for the agreed-upon period. It later became clear that the lease was only extended by XXXX monthto XX/XX/year>. 

Ongoing Communication and Mismanagement : Upon learning of the one-month extension, I immediately contacted Ally and was told I needed to reapply for a further extension. 

A representative told me my extension request was denied. However, after further follow-up, another representative and then a supervisor stated the extension could proceed and that new paperwork would be sent. 

The paperwork was delayed, and no clear record of my calls or efforts to resolve the issue was maintained by Ally. 

I also contacted Allys Buyout Department on XX/XX/year>, to initiate the buyout process and was told documents would be mailed. I applied for a loan and was given approval by Ally, valid until XX/XX/year>. 

Repossession Without Proper Notice : Despite continued communications and my demonstrated intent to resolve the lease ( including a pending approved loan ), I was informed on XX/XX/year>, that the vehicle might be repossessed. 

I did not receive key correspondence due to a recent address change ( XX/XX/year> ), which I had not yet updated with Ally. 

On XX/XX/year>, I discovered that the vehicle had been repossessed. This action was taken despite my constant communication with Ally and having no history of missed payments. 
Harm and Requested Resolution : This mishandling has caused me financial and emotional distress, including the cost of renting a vehicle, potential credit damage, and the prospect of paying late and repossession fees. I feel grossly mistreated despite making every effort to fulfill my obligations and maintain open communication.

I respectfully request the following resolution : Immediate reversa
l of any late fees or repossession charges.

Removal of any negative reporting to credit bureaus.

Review and audit of Allys internal handling of my account and communication logs.

A formal apology and assurance that similar customers will not face the same treatment. 

The ability to return the vehicle without penalty, or a fair opportunity to complete the buyout process without punitive conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00} Date Opened : XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
I held XXXX XXXX tokens in my Coinbase account in early XXXX. On XX/XX/XXXX, XXXX XXXX  conducted a blockchain token upgrade and distributed XXXX  XXXX tokens XXXX to all holders. XXXX has confirmed that my upgraded tokens were sent to the custodial wallet addresses held by Coinbase. However, Coinbase has refused to credit or release the XXXX tokens to my account. 

On XX/XX/XXXX, Coinbase sent a vague email stating it would not support the upgrade, but it did not specify the critical XX/XX/XXXX snapshot deadline. Instead, it linked to a third-party blog post where that date was buried. I was not given clear notice or instructions, and I missed the chance to withdraw my tokens before the upgrade. 

Since then, I have submitted multiple support tickets and XXXX formal complaints ( XX/XX/XXXX and XX/XX/XXXX ), which were closed without a chance to respond or escalate. My holdings were valued at {$580000.00} at the time of the snapshot. I have repeatedly requested the release of my XXXX  XXXX tokens or equivalent compensation but have received no resolution. 

More than XXXX other users have signed a petition reporting the same issue with Coinbase withholding their upgraded XXXX  tokens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
Re : Formal Dispute of Closed Accounts Appearing on My Credit Report To Whom It May Concern, This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate, misleading, and outdated information that is currently appearing on my Equifax credit file. I am requesting an immediate investigation and removal of the following accounts which are closed and reflect either a {$0.00} balance or no active liability, yet continue to negatively impact my credit profile. 



The following accounts are CLOSED and should be permanently deleted : XXXX XXXX {$9200.00} Reported : XXXX XXXX, XXXX XXXX XXXX XXXX {$0.00} Reported : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} Reported : XX/XX/XXXX XXXX XXXX Bank {$0.00} Reported : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} Reported XX/XX/XXXX. XXXX XXXX Reported XX/XX/XXXX Under the FCRA, Equifax is obligated to report only accurate and verifiable information. Continuing to publish closed accounts with no remaining balance particularly in a way that damages my creditworthiness constitutes negligence or willful noncompliance, which can result in civil liability under 15 U.S.C. 1681n and 1681o.

If these accounts are not removed from my credit report within 30 days of receipt of this letter, I will be compelled to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Illinois Attorney Generals Office, and other regulatory authorities. I will also explore the option of civil litigation. 

Attached as Exhibit A is a screenshot from my XXXX report clearly confirming the closed status of these accounts. Additionally, I am reserving space below to include other closed accounts that I may identify for removal : I expect written confirmation of the deletion of these accounts from my file. You may contact me at the phone number or email provided above. 
XXXX XXXX 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 2025-06-06 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: IL

Complaint narrative:
Re : Formal Dispute of Closed Accounts Appearing on My Credit Report To Whom It May Concern, This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate, misleading, and outdated information that is currently appearing on my Equifax credit file. I am requesting an immediate investigation and removal of the following accounts which are closed and reflect either a {$0.00} balance or no active liability, yet continue to negatively impact my credit profile. 



The following accounts are CLOSED and should be permanently deleted : XXXX XXXX {$9200.00} Reported : XXXX XXXX, XXXX XXXX XXXX XXXX {$0.00} Reported : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} Reported : XX/XX/XXXX XXXX XXXX Bank {$0.00} Reported : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} Reported XX/XX/XXXX. XXXX XXXX Reported XX/XX/XXXX Under the FCRA, Equifax is obligated to report only accurate and verifiable information. Continuing to publish closed accounts with no remaining balance particularly in a way that damages my creditworthiness constitutes negligence or willful noncompliance, which can result in civil liability under 15 U.S.C. 1681n and 1681o.

If these accounts are not removed from my credit report within 30 days of receipt of this letter, I will be compelled to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Illinois Attorney Generals Office, and other regulatory authorities. I will also explore the option of civil litigation. 

Attached as Exhibit A is a screenshot from my XXXX report clearly confirming the closed status of these accounts. Additionally, I am reserving space below to include other closed accounts that I may identify for removal : I expect written confirmation of the deletion of these accounts from my file. You may contact me at the phone number or email provided above. 
XXXX XXXX Sincerely, XXXX XXXX

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

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-06 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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