vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : 1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} Reason for Dispute : This account is inaccurately reported and unverifiable. The reporting contains incomplete and inconsistent data regarding payment history and status, violating FCRA 1681e ( b ), which requires accurate reporting. 

2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Reason for Dispute : This account is reporting erroneous and outdated information that can not be verified as accurate. Pursuant to FCRA 611 ( a ), I am requesting deletion or correction after reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-09 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: GA

Complaint narrative:
I am requesting the investigation of certain items on my Experian credit report. The following accounts are being disputed as they contain inaccuracies or discrepancies that need to be addressed. Please ensure that all information is accurate and complete, as per the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$420.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} XXXX XXXX XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} Inquiries : XXXX Date : XXXX XXXX XXXXXXXX XXXX  Date : XXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX Date : 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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I am filing a complaint because Coinbase is withholding my funds after unauthorized access to my account. 

A third party gained access to my Coinbase account without my authorization and attempted multiple ACH withdrawals, including an {$8000.00} attempt through my XXXX account and an {$850.00} attempt through my Ally account. Both transactions were fraudulent. I did not authorize or initiate these transfers. 

No funds from the {$8000.00} transfer ever left my XXXX account. However, Coinbase is holding {$800.00} that was in my account prior to the fraud and refuses to return it. Coinbase is also demanding repayment of a balance created by unauthorized activity. 

I reported the fraud immediately. Coinbase acknowledged there may have been unauthorized access, but they are still holding my {$800.00} and will not release it unless I pay the remaining fraudulent balance.

Under Regulation E, unauthorized electronic transfers must be investigated and consumers are not liable for losses caused by account compromise they did not authorize. I am requesting that Coinbase release my {$800.00} and close the account with no further liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EXPERIAN continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 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 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 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 explanation
Consumer complaint received 2025-12-09 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: GA

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 theXXXX 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: MD

Complaint narrative:
I moved from that address in XXXX of XXXX. I contacted XXXX in XXXX of 2024 to inform them of the move. On XX/XX/year>, I initiated the formal process to part ways with XXXX XXXX and completed the necessary documents. Prior to canceling my services with XXXX XXXX, payments were automatically debited from my bank account. Therefore, my payments were always on time and my account was always current. I Last week, I received a notification from my bank that I had a delinquent account. After inquiring about the account, I learned I had a debt being reported by Zions Debt Holdings. I immediately reached out to Zion Debt Holdings to gather more information about the debt, as I was not aware of any unpaid bills. The representative explained that the debt was associated with a XXXX XXXX account that was not properly closed and had a past due balance of approximately {$46.00}. They informed me that the balance was now over {$110.00}. I asked for a detailed explanation of the charges, which they could not provide. They simply stated that I needed to pay the amount in full, then they would remove the charge from my account. I had never been notified about this bill. The representative stated that Zion Debt Holdings had sent multiple text messages to the phone number they had on file, which ended in XXXX. Unfortunately, this is a landline phone number that belongs to my mother. Before last week, I had never received any information about a past due balance. Although the amount may seem small, my concern is the principle of the matter. How can one negatively affect my credit without providing notice and attempting to satisfy the debt in a satisfactory manner. These practices seem predatory, and possibly illegal! I would like to speak with someone who can assist in resolving this matter in a fair and practical manner.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint regarding an inaccurately reported late payment on my credit report. The creditor has reported a late payment for the month of XX/XX/year>, but this information is incorrect and does not accurately reflect my payment history. 

I contacted the creditor directly to resolve this issue, but they have either failed to respond, provided inconsistent information, or have not been able to verify the late payment with proper documentation. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate and verifiable information. Since the creditor has not provided evidence supporting the late payment, I am requesting that this late payment be removed or corrected on all credit bureaus ( XXXX XXXX XXXX XXXX ). 

I am requesting that the CFPB review this matter and assist in ensuring the information reported by the creditor is fair, accurate, and complies with federal law. This late payment is harming my credit score and does not reflect my actual payment behavior.

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 2025-12-09 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: KY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding the alleged collection account # XXXX for {$620.00}, originally claimed to be from XXXX XXXX XXXX. I never received a single written notice or initial communication informing me of this collection as required by FDCPA 809 ( a ) a failure your company is well known for and one I have confirmed through independent research into your documented pattern of consumer protection complaints. Despite that, this account suddenly appeared on my credit report without lawful notice or validation. I submitted a formal written request for debt validation under FDCPA 809 ( b ), yet to this day I have received absolutely no written verification of the alleged debt. Your continued credit reporting without validation constitutes deceptive and unfair collection practices in violation of FDCPA 1692e and 1692f, as well as violations of FCRA 623 ( a ) for furnishing unverified and incomplete information to consumer reporting agencies. Reporting a tradeline without providing documentation establishing contractual liability, proof of assignment, original creditor records, itemized balances, or payment history is also a direct violation of Metro 2 data furnishing standards, which require all accounts to be fully verified prior to reporting. By maintaining and furnishing this account without providing legally required validation and without having issued mandatory written notice, LVNV Funding is engaging in ongoing federal statutory violations that expose the company to civil liability of up to {$1000.00} per violation under the FDCPA and additional damages under the FCRA for negligent or willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I am experiencing predatory lending and servicing issues with Credit Acceptance Corporation regarding my auto loan for a XXXX XXXX XXXX. I entered into the contract in XX/XX/XXXX with an APR of 25.99 % and a monthly payment of {$370.00}. 

Despite making numerous payments, my past-due balance frequently did not decrease and in some cases increased, even when I made multiple payments in a single month. The way Credit Acceptance applies payments appears designed to prioritize interest and fees over reducing my principal or bringing the account current. 

Around XX/XX/XXXX, I suffered a job loss, which caused financial hardship. During this period, Credit Acceptance continued to add late fees almost every month and charged daily interest at 25.99 %, which made it nearly impossible to catch up. Partial payments were accepted but did not meaningfully reduce the past-due amount, causing a cycle of permanent delinquency. 

In XXXX, my vehicle was repossessed. I paid approximately {$700.00} to Credit Acceptance to recover the vehicle, plus additional fees to the towing company. My account history shows a repossession cost of {$300.00} being charged, then reversed, then re-applied, which raises concerns about the accuracy and transparency of their accounting. Past-due amounts often remained the same even after payments were made Late fees were repeatedly added Interest charges are extremely high and consume most of my payments Repossession-related fees and reversals are confusing and inconsistent I believe Credit Acceptances servicing practices are unfair, abusive, and deceptive. Their structure traps borrowers in delinquency and makes it extremely difficult to ever become current or significantly reduce the principal. I am asking the CFPB to review my account for improper fee assessments, misapplication of payments, and unfair or abusive practices.

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 2025-12-09 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief