vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
complaint number XXXX XXXX submitted XX/XX/year> has not been attended to. that is a violation under FCRA.

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 2025-09-04 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: GA

Complaint narrative:
Ive disputed inaccurate late payments with XXXX XXXX on my credit reports with Experian, Equifax, and TransUnion. Despite my dispute and documentation, the bureaus have continued reporting the same information without proper verification or reinvestigation. TransUnion denied my request without substantiation, and Experians response was non-specific. These late payments are harming my creditworthiness. I am requesting that XXXX XXXX remove these inaccurate late payments or delete the entire tradeline due to FCRA violations, specifically 607 ( b ), 611 ( a ), 1666, and 6802. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive disputed inaccurate late payments with XXXX XXXX on my credit reports with Experian, Equifax, and TransUnion. Despite my dispute and documentation, the bureaus have continued reporting the same information without proper verification or reinvestigation. TransUnion denied my request without substantiation, and Experians response was non-specific. These late payments are harming my creditworthiness. I am requesting that XXXX XXXX remove these inaccurate late payments or delete the entire tradeline due to FCRA violations, specifically 607 ( b ), 611 ( a ), 1666, and 6802. 

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 2025-09-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am disputing the accuracy of a XXXX XXXX XXXX of XXXX account on my Experian credit report. The account is being reported with contradictory and inaccurate information when compared to XXXX. 

Specifically : Experian shows the account as XXXX, while XXXX  shows it as XXXX. 
Experian shows the last payment date as XX/XX/XXXX, while XXXX  shows XX/XX/XXXX. 

Experian shows staggered late payments ( XX/XX/XXXX days late in XXXX ), while XXXX  shows XXXX  days late on a different timeline. 

The same account can not have conflicting statuses, payment dates, and histories. This makes the Experian reporting factually inaccurate and unverifiable.

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 2025-09-04 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery Associates , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4200.00} To Whom It May Concern : This letter is a formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. You are to cease all communication with me regarding the above-referenced account, except as permitted by law. 

You are further instructed to delete all reporting of this account from XXXX XXXX XXXX XXXX, as continued reporting without compliance constitutes a violation of the Fair Credit Reporting Act. 

Failure to comply will result in complaints to the Consumer Financial Protection Bureau and the State Attorney General, along with pursuit of all remedies available under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
My chime account is being closed for no reason at all. I recently had my social security and other payments scheduled to start to go into that chime account. I've never done any fraudulent activity or anything like that. I just received the email. They said they were gon na close my account XX/XX/XXXX. And I don't know why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
I am disputing the Affirm account appearing on my credit report, which is reported as closed with a late payment in XX/XX/XXXX. This derogatory entry is inaccurate and unverifiable. Despite my disputes and requests for validation, neither Affirm nor XXXX  has provided original account-level documentation proving this alleged delinquency.

Violations Identified FCRA 605 ( a ) : Inaccurate or obsolete information may not be reported.

FCRA 609 ( a ) ( 1 ) : I am entitled to see the complete records and method of verification for this late payment. None have been produced.

FCRA 611 ( a ) : CRAs must conduct a reasonable reinvestigation within 30 days. If unverifiable, the entry must be deleted.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CRAs can not simply parrot furnishers ; they must independently verify accuracy. 

Harm Suffered The alleged late payment is depressing my FICO score and limiting access to credit. 
I have suffered financial harm, stress, and reputational damage as a result of this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXX XXXX  Account number XXXX Balance {$5700.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$3500.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$9900.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$920.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$4100.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Balance {$610.00} Date opened XX/XX/XXXX. 
XXXX XXXX XXXX Account number XXXX Balance {$720.00} Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX Balance {$3800.00} Date opened XX/XX/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 2025-09-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: INDEPENDENCE HOME LOANS LLC
State: CA

Complaint narrative:
I started the process to refinance my property on XX/XX/year>. The Loan Officer I spoke with is XXXX XXXX @ Independence Home Loans, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI, ( XXXX ) XXXX. The initial conversation with XXXX that I don't need to pay the XXXX payment because we should be completed before the end of XXXX. I paid {$700.00} for the appraisal and XXXX assured me that I should be closing after the appraisal was completed. It was completed and came in with the numbers the company was looking for. On XX/XX/XXXX I get a text from XXXX that they had team up with XXXX which is the lender to my present mortgage servicing company. On XX/XX/XXXX, I text XXXX to please advise on the status of the refinancing and the reply was the same as before. As time goes on and XXXX is upon me knowing that I am late for the XXXX payment. On XX/XX/XXXX, I text XXXX checking on the status and his reply was " We are going get everything together this week and resubmit the file to get the clear to close. On XXXX I text XXXX to let him know that I got a certified notification from my mortgage company and that I did not pay the mortgage for XXXX. On XX/XX/XXXX I texted XXXX to let him know the mortgage for XXXX was paid. His response was, " That's good but unfortunately it being paid over 30 days won't let us proceed. Can't have a 30 day late within most recent 3 months ''. At this point I was upset, hurt, misled and did not know which direction to proceed. Now I am current, but this experience put me in an unfortunate position. I can send supporting documents if needed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am really frustrated that despite checking my credit report this morning, the same inaccurate accounts are still there. I even refreshed my browser to make sure it wasnt a temporary glitch, but nothing changed. This is extremely stressful and disappointing. I need my submitted documents to be properly reviewed right away so I never have to go through this kind of worry again.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint to formally dispute several items reported on my credit file that are inaccurate, unauthorized, or unverifiable. These errors are affecting my credit standing and do not reflect my true financial activity. 

Upon reviewing my credit report, I discovered XXXX addresses that are completely unfamiliar and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at either of these addresses, nor have I ever used them in connection with any financial or legal account. The only accurate and valid address associated with me is : XXXX XXXX XXXX XXXX, XXXX, GA XXXX These inaccurate addresses could lead to identity confusion or misattributed accounts. Under FCRA 609 ( a ) ( 1 ) and FCRA 602 ( A ), consumer reporting agencies must ensure the information in my file is accurate, and I have a right to know and dispute any incorrect identifying data. I formally request that these two addresses be removed from my credit file immediately. 

My credit report also contains a charge-off from XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) in the amount of {$460.00}, with a listed " Date Last Active '' of XX/XX/XXXX. 

I have never opened or used any XXXX account tied to this account number. Additionally, the date last active is not consistent across all credit bureaus, which raises further questions about the accuracy and validity of this entry.

Per FCRA 607 ( b ), consumer reporting agencies must use reasonable procedures to ensure maximum possible accuracy. Inconsistent reporting and unverifiable debts violate this responsibility. Under FCRA 611, I have a right to dispute any such information and require a full reinvestigation. I also refer to FCRA 602 ( A ), which supports fair and equitable treatment of consumers.

Unless XXXX  or the credit bureau can provide documentation verifying that this account belongs to me ( including account agreements and matching identifying data ), I request the immediate deletion of this charge-off.

There are two hard inquiries listed on my credit report that I did not authorize and have no record of initiating : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not apply for credit with either of these entities, nor did I give permission for them to access my credit file. 

Under FCRA 604 ( a ) ( 3 ), consumer reporting agencies may only furnish a credit report for a permissible purpose, and FCRA 605A gives me the right to block any unauthorized or fraudulent inquiries. Additionally, FCRA 615 ensures that I must be notified of any adverse actions or access related to my credit report. These inquiries are unauthorized and must be removed.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XX/XX/XXXX for {$9800.00}, XXXX XXXX XX/XX/XXXX for {$2600.00}, XXXX XXXX XX/XX/XXXX for {$850.00}, XXXX XXXX XX/XX/XXXX for {$2000.00}, XXXX XXXX XXXX  open XX/XX/XXXX for {$2200.00}. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and 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 non-monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XX/XX/XXXX for {$9800.00}, XXXX XXXX XX/XX/XXXX for {$2600.00}, XXXX XXXX XX/XX/XXXX for {$850.00}, XXXX XXXX XX/XX/XXXX for {$2000.00}, XXXX XXXX XXXX  open XX/XX/XXXX for {$2200.00}. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX claims that they have been reporting to experian but that experian has not been reporting my XXXX XXXX XXXX XXXX on my credit report. I have sent experian a copy of my id and a copy of my XXXX XXXX XXXX XXXX which displays my full name on the statement, my addresss and the account number of the credit card. Despite my mailing all of this information and proof to experian, experian has refused when i contacted them on the phone to add this account to 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 explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I accidentally sent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) network to my Coinbase deposit address, not realizing deposits are only supported on XXXX  ( XXXX ). Coinbase support claims the funds are unrecoverable, yet I can see the transaction was moved to their internal wallet, indicating they have access to it but refuse to credit it back to my account. 

address XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
Fraudulent personal information has appeared on my TRANSUNION credit file, including an address at XXXX XXXX XXXX, XXXX, NH XXXX, under the name XXXX XXXX XXXX. I have never lived at this address, nor authorized their reporting. My accurate legal name is XXXX XXXX XXXX, and my accurate address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY XXXX. This information was added without my knowledge or consent and is the result of identity theft. I request that this fraudulent personal information be permanently removed from my credit file. Attached you will find two proofs of address and my ID for verification.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-04 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:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

Company response to consumer: Closed with non-monetary relief