vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I disputed PRAs {$840.00} account with all three bureaus on XX/XX/XXXX and XX/XX/XXXX appears as the bureaus last verified date shown in their entries. PRA is furnishing inconsistent and inaccurate data across the CRAs ( e.g., XXXX  shows Installment/Closed while XXXX  and XXXX  show Open/CollectionOrChargeOff, with differing dates such as opened XX/XX/XXXX and last verified XX/XX/XXXX ), undermining reliability and suggesting that the tradeline can not be verified with competent evidence. 

Despite my direct disputes through the CRAs, PRA has not provided documentary proof ( original agreement, complete chain of title, itemized accounting, payment history ) or corrected the conflicting information. Continuing to furnish unverifiable or inconsistent data and failing to conduct a reasonable investigation violate FCRA 1681s-2 ( b ). Causing ongoing credit damage and denial of fair financing terms caused by unreliable reporting!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: VA

Complaint narrative:
Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud XXXX business days of you receiving this comply fraud within XXXX business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at XXXX XXXX XXXX under the account number ( XXXX ), and XXXX XXXX account number ( XXXX ) XXXX XXXX account number ( XXXX ). that appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent XXXX credit report maintained maintained by you which shows the XXXX XXXX XXXX items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of 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 explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
My information was exposed to the data breach my social security number been exposed and because of this someone opened fraudulent accounts in my name and its hurting me personally because of this these accounts and inquiries do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
My information was exposed to the data breach my social security number been exposed and because of this someone opened fraudulent accounts in my name and its hurting me personally because of this these accounts and inquiries do not belong to me

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/2025, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXXXXXX XXXX XXXXXXXX

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/year> Equifax XXXX  XXXX RE : Dispute of Inaccurate Personal Information and Unauthorized Inquiry To Whom It May Concern : I am writing to dispute several items on my credit report that are inaccurate, incomplete, and unverifiable, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The following information is incorrect and is causing harm to my credit profile. 
XXXX. Multiple Names : My credit report shows multiple variations of my name, including [ List all names on the report, e.g., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ]. My legal name, as shown on the enclosed government-issued identification, is [ XXXX XXXX XXXX XXXX XXXX I request that you correct this immediately to reflect only my legal name. The presence of multiple names is inaccurate and misleading. 
XXXX. Inaccurate Addresses : My report lists several addresses, including [ List all addresses on the report, e.g., XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ]. The only address where I currently reside and can receive mail is [ XXXX XXXX XXXX XXXX, SC XXXX ]. The other addresses are non-mailable and are not current. I request that you remove all previous and non-mailable addresses from my report to ensure accuracy. I have enclosed a copy of my government-issued ID to verify my current and correct address. 
XXXX. Unauthorized Inquiry : I am also disputing an unauthorized hard inquiry from [ XXXX XXXX ] dated [ XX/XX/year> ]. I did not authorize this inquiry, and it is in violation of my rights. I demand that this inquiry be immediately removed from my credit file. 
I have enclosed copies of the following documents to verify my identity and support my dispute : Copy of my Driver 's License/State ID Under the FCRA, you are required to investigate these items within 30 days and provide me with the results. If you can not verify the accuracy of the disputed information, you must remove it. The presence of inaccurate personal information and an unauthorized inquiry is a violation of my rights and is harming my ability to obtain credit. 
I expect a corrected credit report to be sent to my current address within the legally mandated timeframe. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please remove the inaccurates 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/year> Equifax Experian TransUnion RE : Dispute of Inaccurate Personal Information and Unauthorized Inquiry To Whom It May Concern : I am writing to dispute several items on my credit report that are inaccurate, incomplete, and unverifiable, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The following information is incorrect and is causing harm to my credit profile. 
XXXX. Multiple Names : My credit report shows multiple variations of my name, including [ List all names on the report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. My legal name, as shown on the enclosed government-issued identification, is [ XXXX XXXX XXXX XXXX XXXX I request that you correct this immediately to reflect only my legal name. The presence of multiple names is inaccurate and misleading. 
XXXX. Inaccurate Addresses : My report lists several addresses, including [ List all addresses on the report, e.g., XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ]. The only address where I currently reside and can receive mail is [ XXXX XXXX XXXX XXXX, SC XXXX ]. The other addresses are non-mailable and are not current. I request that you remove all previous and non-mailable addresses from my report to ensure accuracy. I have enclosed a copy of my government-issued ID to verify my current and correct address. 
XXXX. Unauthorized Inquiry : I am also disputing an unauthorized hard inquiry from [ XXXX XXXX ] dated [ XX/XX/year> ]. I did not authorize this inquiry, and it is in violation of my rights. I demand that this inquiry be immediately removed from my credit file. 
I have enclosed copies of the following documents to verify my identity and support my dispute : Copy of my Driver 's License/State ID Under the FCRA, you are required to investigate these items within 30 days and provide me with the results. If you can not verify the accuracy of the disputed information, you must remove it. The presence of inaccurate personal information and an unauthorized inquiry is a violation of my rights and is harming my ability to obtain credit. 
I expect a corrected credit report to be sent to my current address within the legally mandated timeframe. 
Thank You

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and unverified negative accounts currently being reported on my credit file. After carefully reviewing my credit reports, I have found multiple errors that are damaging my creditworthiness. These accounts do not belong to me and/or are being reported in error, in violation of the Fair Credit Reporting Act ( FCRA ). 
The following accounts are being inaccurately reported and must be investigated immediately : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX 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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/year>, my Coinbase account was hacked even though XXXX protection was enabled. Hackers bypassed the security system and stole {$9500.00} from my account. I reported this to Coinbase support immediately and provided evidence, but Coinbase has refused to reimburse the loss. 

This was my entire savings, and the financial damage has been devastating. Coinbase failed in their duty to protect customer accounts and should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XXXX XXXX XXXXXX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX. Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

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 2025-10-01 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the inaccurates 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXXI received a notice that I am being sued by XXXX XXXX XXXX  from ATTORNEY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demanding XXXX my name is not on affidavit of sale of account or certificate of conformity nor do I reside in Delaware where this was purchased. They copied some agreement as if I owe XXXX  and it is not listed on the bill of sale or any account numbers.'

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