vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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:
I am writing to formally dispute inaccurate information being reported on my Experian credit report regarding the account listed below : Creditor Name : XXXXXXXX XXXX XXXX XXXXcount Number : [ Insert Account Number ] Reported Balance : {$880.00} ( incorrect ) Correct Status : Settled in full for {$410.00} in XX/XX/year> This account was settled in XX/XX/year> for {$410.00}, and all three credit bureaus, including Experian, initially updated the status accordingly. However, Experian recently made an update that reversed the balance to {$880.00}, which is incorrect and does not reflect the true settled status of this account. 
I have attempted to dispute this matter through Experians online dispute center and phone support, but have not been provided with an option to speak to a representative or effectively file a dispute. The online portal is not allowing submission of this correction.

Furthermore, Experian has not provided any debt validation or proof of the current balance during this process. Due to Experians failure to properly investigate and the inaccurate update now being reported, I am formally requesting the deletion of this account from my Experian credit report under the Fair Credit Reporting Act ( FCRA ).

Enclosed are the following documents to support my dispute : Proof of settlement/payment to XXXXXXXX XXXX XXXX XXXX XXXX  ) Identification ( copy of my drivers license and a recent utility bill ) Any relevant communication or correspondence regarding the account Please reinvestigate this account and respond with the results of your findings. If Experian can not verify the accurate reporting with validated documentation, the account must be deleted from my credit file. 

Thank you for your attention to 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the XXXX XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under XXXX XXXX XXXX ( a ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts.XXXX XXXX XXXX  XXXX, XXXX XXXX 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 {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Charges filed Officer XXXX POLICE REPORT attached, FTC and ID attached for verification thank you 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 2025-06-16 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed undeXXXX 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 2025-06-16 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Portfolio Recovery XXXX XXXX XXXX, XXXX, VA XXXX Account Numbers : XXXX Dear Debr Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding this validity of this debt. 
Thank you for your prompt attention to this matter. 

With Regards I am, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety while damaging my creditworthiness and financial standing. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. The continued presence of these unauthorized items on my report constitutes a serious violation of my consumer rights and has created substantial hardship in my personal and financial affairs.

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 2025-06-16 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXXXX/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 2025-06-16 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: NY

Complaint narrative:
most of the information is either wrong, outdated or completely missing data.

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 2025-06-16 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-16 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: MI

Complaint narrative:
REQUEST FOR REINVESTIGATION FTC REPORT Number : XXXX ; XXXX To Whom It May Concern : Time is of the essence with regard to this REQUEST FOR REINVESTIGATION. You have made an error in my credit reporting that is harming my ability to secure employment and credit. I have documented your errors, and I will continue to do so. I will avail myself of my rights under the Fair Credit Reporting Act if you continue to violate my rights. 
This letter is a request under the Fair Credit Reporting Act 611 ( a ) ( 7 ) following a request for investigation that I made under the section just previous in the FCRA, specifically 611 ( a ) ( 6 ). I have received the results of my 611 ( a ) ( 6 ) request, thank you for that. Please do not interpret this letter as a request for further investigation under 611 ( a ) ( 6 ). 
As you well know, the FCRA governs your handling of my personal information. And, my request today is my statutorily-granted right to learn the method and description of the investigation procedure you utilized. Section 611 ( a ) ( 7 ) states : ( 7 ) Description of investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
The specific entry for which I request a description of investigation procedure is the following entry : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$97000.00} The lates incurred for XX/XX/XXXX were due to fraudulent activity. Please remove all late pay that apply to that time period. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX The dates reported as late are inaccurate including the payment history were incorrect and unverified. Please update records for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$17000.00} This debt was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX XXXX I am not liable. Change the balance and status for legal accuracy or delete this immediately in my credit reports for unverified and inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE : {$20000.00} This debt was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX XXXX I am not liable. Change the balance and status for legal accuracy or delete this immediately in my credit reports for unverified and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year>

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 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Retention Consulting Services Inc.
State: NJ

Complaint narrative:
I am a XXXX working with XXXX XXXX. I submitted a deal to them which was approved. In order for my company to earn 5 points on the transaction, I was informed that the customer rate needed to be set at 12.99 %. I expressed concern that this rate was too high for my client, and requested a lower rate of 12 %. Regents agreed to reduce the rate, stating that they would then pay my company 3 points instead. 

After the deal was funded, I discovered that it had been structured as a lease rather than the agreed-upon term loan. Additionally, I learned that the actual rate to the customer was 16 % substantially higher than the 12 % that had been discussed and approved. 

I raised these concerns with XXXXXXXX stating that this was not the deal that had been outlined, and that I would instruct the customer to return the funds due to the misrepresentation. XXXX  did not allow this. I then requested to be compensated with an additional 3 points on the deal, considering the customer rate was 4 % higher than agreed. That request was also denied. 

They originally told me that for me to receive 5 points, the rate had to be at 12.99 % yet the final rate ended up being 16 %.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-16 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:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
The account is closed and paid in full, but its still showing late payments and derogatory marks that are not accurate. 
I am disputing this information because under the Fair Credit Reporting Act, all information on a credit report must be accurate and verifiable. 
The company is no longer able to verify these late payments on a closed account. 
I am requesting that these derogatory marks be removed from my credit report immediately.

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 2025-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am unaware of this debt and did not have the opportunity to date this account, if not please delete this account as soon as possible from my report, if you believe you send the proper notification, please provide certification with receipt with my signature. If not I will have to take legal action.

Under these laws 15usc 1692c 15 use 1681s2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Coinbase, Inc.
State: SD

Complaint narrative:
Signed up for a promotion offer for a new account advertising {$50.00} for buying {$50.00} worth of cryptocurrency after signing up as a new user. Did not receive the signup bonus, even though I read the fine print, support articles, etc. and fulfilled all the underlying requirements. Reached out to customer service representative, who tried to claim that is an expired promotion, and maybe that is true, but it was still showing on their website as I chatted with the representative. I provided a screenshot of that page to the representative, and received an explanation that seemed disingenuous at best, scammy at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains completely unresolved and continues to cause devastating consequences in my personal and financial life. The inclusion of these unauthorized items has profoundly impacted my ability to secure credit, housing, and employment opportunities, while causing significant stress, XXXX, and emotional distress that affects my daily well-being. It is absolutely crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft, and these fraudulent entries represent a serious breach of my consumer rights that demands immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX 
XXXX ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00}

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