vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
I am submitting this complaint after reviewing my credit report and noticing several entries that do not accurately reflect my payment history. These inaccuracies misrepresent my financial responsibility and may negatively affect my creditworthiness.XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1200.00}, reported late payments : XXXX XXXX  30 days late, XXXX XXXX 60 days late, XXXX XXXX  90 days late, XXXX XXXX 120 days late, XXXX XXXX 150 days late.XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$9100.00}, reported late payments : XXXX  XXXX  30 days late, XXXX  XXXX  60 days late, XXXX  XXXX 30 days late, XXXX XXXX  30 days late. 
XXXX XXXX XXXX  XXXX {$0.00}, reported as a late close, with late payments in XXXX  XXXX  30 days late, XXXX  XXXX  60 days late, and XXXX through March 2023 90 days late. 
I have maintained accurate and timely payments on these accounts. Additionally, I have confirmed that XXXX  XXXX * is reported as open with other credit bureaus, creating a direct inconsistency and raising questions about the accuracy of this reporting. 
The Fair Credit Reporting Act ( FCRA ) provides consumers with protections to ensure the accuracy of their credit reports. FCRA 607 ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. FCRA 609 ( a ) ( 1 ) allows me to request the sources of information reported. FCRA 611 ( a ) gives me the right to dispute inaccurate information and mandates a reinvestigation within 30 days. FCRA 623 ( a ) ( 1 ) requires furnishers to report accurate information and correct any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
I am submitting this complaint after reviewing my credit report and noticing several entries that do not accurately reflect my payment history. These inaccuracies misrepresent my financial responsibility and may negatively affect my creditworthiness.XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1200.00}, reported late payments : XXXX XXXX  30 days late, XXXX XXXX 60 days late, XXXX XXXX  90 days late, XXXX XXXX 120 days late, XXXX XXXX 150 days late.XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$9100.00}, reported late payments : XXXX  XXXX  30 days late, XXXX  XXXX  60 days late, XXXX  XXXX 30 days late, XXXX XXXX  30 days late. 
XXXX XXXX XXXX  XXXX {$0.00}, reported as a late close, with late payments in XXXX  XXXX  30 days late, XXXX  XXXX  60 days late, and XXXX through March 2023 90 days late. 
I have maintained accurate and timely payments on these accounts. Additionally, I have confirmed that XXXX  XXXX * is reported as open with other credit bureaus, creating a direct inconsistency and raising questions about the accuracy of this reporting. 
The Fair Credit Reporting Act ( FCRA ) provides consumers with protections to ensure the accuracy of their credit reports. FCRA 607 ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. FCRA 609 ( a ) ( 1 ) allows me to request the sources of information reported. FCRA 611 ( a ) gives me the right to dispute inaccurate information and mandates a reinvestigation within 30 days. FCRA 623 ( a ) ( 1 ) requires furnishers to report accurate information and correct any inaccuracies.

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 2025-09-25 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: TX

Complaint narrative:
I submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it. 
First Advantage ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( XXXX. caused a job offer to be rescinded ). 
Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts. 



XXXX. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within XXXX  days. 
15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish. 
15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate. 

XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) : The Court held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The plaintiff alleged that XXXX XXXX willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Pursuant to 15 U.S.C. 1692cc Dear XXXX XXXX XXXX, I am writing in regard to your attempts to collect an alleged debt from me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692cc, I hereby demand that you cease all communication with me, my family, and my household regarding this matter. 

As provided under the statute, you are prohibited from contacting me further, except for the following limited purposes : XXXX. To advise me that your collection efforts are being terminated ; XXXX. To notify me that you may invoke specified remedies which are ordinarily invoked by you or your company ; or XXXX. To notify me that you intend to invoke a specific remedy. 

Any further communication outside these exceptions will constitute a violation of federal law. Please also note that I request no further contact by telephone, email, text message, or in-person visits. 

Failure to comply with this request may result in me pursuing legal remedies available under the FDCPA, including but not limited to statutory damages, attorneys fees, and costs. 

I expect your full compliance with this request. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: PA

Complaint narrative:
I am filing a follow up complaint against XXXX Bank XXXX and the credit reporting agencies for inaccurate, incomplete, and misleading reporting on my credit file. The account in question is : XXXX Bank XXXX Account : XXXX Balance : {$4400.00} This account has been reported as a charge-off written as profit/loss, yet no Form 1099-C was issued to the IRS as required when a creditor cancels or forgives debt over {$600.00}. According to IRS regulations, if a debt is truly forgiven, it must be reported to the IRS on a 1099-C. Failing to do so means the debt has not been properly cancelled and therefore should not be reported as a profit/loss charge-off. This inaccurate reporting is damaging my credit profile. Additionally, this account is not reported in Experian and TransUnion, while it remains present in other reports, causing inconsistencies and misleading data. This creates a violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA 611 ( 15 U.S.C. 1681i ) Consumers have the right to dispute inaccurate or unverifiable information. Credit bureaus must reinvestigate and correct or delete the item if it can not be verified. FCRA 623 ( a ) ( 1 ) ( A ) Information furnishers must report only accurate and complete information. Reporting a profit/loss without a 1099-C, and failing to report consistently across all bureaus, violates this duty. FCRA 623 ( b ) Once a dispute is filed, furnishers must investigate, review all relevant information, and correct or delete inaccurate information. IRS 1099-C Rule Creditors are legally required to file a 1099-C for any forgiven debt exceeding {$600.00}. Reporting a profit/loss charge-off while not issuing a 1099-C is misleading and creates financial harm. XXXX XXXX, XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: MA

Complaint narrative:
The following lists of accounts were opened fraudulently in my name when I was just a child. I was not of a legal age to hold credit. I was a minor and these accounts should not be placed on my file : XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the XXXX statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
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 Balance Owed : {$360.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ALLY FINANCIALs failure to properly verify and correct inaccurate information reported on my credit file.

Despite my dispute, the creditor allegedly verified the account as accurate with Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. ALLY FINANCIAL has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. ALLY FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: OH

Complaint narrative:
On my credit report dated XX/XX/XXXX, several accounts are being reported inaccurately. 

XXXX XXXX ( Acct ending XXXX ) reported as a charge-off with a balance of {$3700.00} since XX/XX/XXXX. I dispute this reporting because the balance and status are not accurate, and the account should not continue to show as charged-off each month. 

XXXXXXXX XXXX XXXX XXXX XXXX ( Acct ending XXXX ) reported as sold/charged-off in XXXX with a removal date of XX/XX/XXXX. I dispute the accuracy of this charge-off and the way it is being reported. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Acct ending XXXX ) reported as sold/charged-off in XXXX with a removal date of XX/XX/XXXX. I dispute this as inaccurate. 

Department of Education / XXXX ( XXXX XXXX Acct ending XXXX ) XXXX loans are reported as XXXX days past due with balances of {$3100.00} and {$1700.00}. I dispute these late payments and past due amounts because they do not reflect my repayment history accurately. 

XXXX/ XXXX ( Acct ending XXXX ) closed in XXXX, but still shows past due payment history including XXXX, XXXX, and XXXX lates. I dispute the accuracy of these late notations. 

I have contacted these creditors previously to correct the information, but the accounts continue to be reported incorrectly. I am requesting that the CFPB investigate and that these inaccurate negative marks be corrected or removed from my credit file

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 2025-09-25 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: OH

Complaint narrative:
On my credit report dated XX/XX/XXXX, several accounts are being reported inaccurately. 

XXXX XXXX ( Acct ending XXXX ) reported as a charge-off with a balance of {$3700.00} since XX/XX/XXXX. I dispute this reporting because the balance and status are not accurate, and the account should not continue to show as charged-off each month. 

XXXXXXXX XXXX XXXX XXXX XXXX ( Acct ending XXXX ) reported as sold/charged-off in XXXX with a removal date of XX/XX/XXXX. I dispute the accuracy of this charge-off and the way it is being reported. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Acct ending XXXX ) reported as sold/charged-off in XXXX with a removal date of XX/XX/XXXX. I dispute this as inaccurate. 

Department of Education / XXXX ( XXXX XXXX Acct ending XXXX ) XXXX loans are reported as XXXX days past due with balances of {$3100.00} and {$1700.00}. I dispute these late payments and past due amounts because they do not reflect my repayment history accurately. 

XXXX/ XXXX ( Acct ending XXXX ) closed in XXXX, but still shows past due payment history including XXXX, XXXX, and XXXX lates. I dispute the accuracy of these late notations. 

I have contacted these creditors previously to correct the information, but the accounts continue to be reported incorrectly. I am requesting that the CFPB investigate and that these inaccurate negative marks be corrected or removed from my credit file

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 2025-09-25 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-09-25 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:
RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I mistakenly sent approximately {$44000.00} worth of XXXX using the XXXXXXXX XXXX XXXX to my Coinbase XXXX  deposit address : XXXX Transaction hash ( XXXX ) : XXXX ( see : XXXX : XXXX ) The ETH is verifiably in Coinbases custody at this address on XXXX. I have opened multiple tickets and contacted Coinbase support by chat and phone. I requested escalation to their Asset Recovery or Engineering team. 

Coinbase has refused to escalate my case, instead giving me the scripted response that unsupported network deposits can not be recovered. They have not provided any confirmation about future crediting. 

Because Coinbase controls the private key to the deposit address, they have the technical ability to recover the funds. This is a material amount ( ~ {$44000.00} USD ), and Coinbase has previously credited customers retroactively when they launched support for XXXX and XXXX. 

Requested resolution : Escalate this case to Asset Recovery / Engineering for manual review and recovery ( I am willing to pay any recovery fee )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NV

Complaint narrative:
There are multiple accounts that give false information and payment historys. Name wrong on account also.discover account was closed due to fraud

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 2025-09-25 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: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief