vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC
State: MI

Complaint narrative:
Summary of Incident : I was targeted by an elaborate online scam disguised as a remote work opportunity representing XXXX. The initial job involved watching and subscribing to XXXX videos for payment. After completing several tasks, I was instructed to purchase cryptocurrency ( XXXX, XXXX, XXXX, XXXX ) and send it to company wallets to complete investment tasks that supposedly generated profit. 

When I made an incorrect trade, my funds were taken. I was then told I needed to pay additional amounts to complete recovery tasks to unlock my account. These included : Paying for credit score points on their system at {$260.00} per XXXX points Paying {$13000.00} to unlock a frozen account Later being told I had to pay {$28000.00} to obtain a XXXX  to release my funds Every time I complied, new fees or tasks were added. My supposed account balance now shows {$65000.00}, but I am unable to withdraw it. All communication was through a manager and XXXX  group that guided the transactions. 

I have transaction records, wallet addresses, chat logs, and screenshots of all communications. The scam appears to involve multiple victims, as three others in my group experienced similar losses. 

Platforms involved : XXXX, XXXX, and XXXX ( used to send funds for crypto purchases ). XXXX I am requesting investigation and assistance in identifying and stopping these criminals. 

Victim name : XXXX XXXX Email : XXXX Location : XXXX XXXX, Michigan

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
A couple weeks ago, I realized that there was a card on my bill pay account that I did not recognize. I didnt immediately realize this, because it was called Citi card, which is an account that Ive had since XXXX. It turns out this bill pay account was not my Citi card, but rather some other mystery citi card. 

XXXX XXXX confirmed that the bill pay was established on XX/XX/XXXX. They did not tell me when my authentic citizenship card bill pay was deleted. 

In the past year, I have made {$2500.00} worth of payments to the mystery credit card. I didnt realize the payments werent crediting my account, because I also have an auto pay set up from a separate account. That separate account was not affected by this change to bill pay. Its also the reason why I was not late on my credit card payments. 


I have spent the past couple weeks trying to work with XXXX XXXX and Citi to determine where those {$2500.00} worth of payments went. XXXX XXXX told me that during their investigation they found that there was indeed a credit card where those payments were received, and that the last name on the account was XXXX, my maiden name, which is also on my authentic citi account. 


Citi told me that they had no record of any other credit card my social security number. 


Neither bank has been able to resolve this issue, and Citi recommended I file a complaint with the credit bureau. 

I attached a photo of the information for the card included with my XXXX XXXX bill pay. I can not find any other information about this card. 

Last 4 digits of account : 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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
A settlement check was sent in XXXX to clear card balance for {$990.00}. The check was cashed in XXXX, but the account was never updated. Called in XXXX to inquire and a case was opened. I was not given a case number because I was told this was an internal process. Someone was to follow up with me within XXXX days ; I never heard back from anyone. I called again and was told that is would take XXXX days for the payment to post or XXXX billing Cycle ; payment never posted. I called again in XXXX to inquire and was told that it would take XXXX Billing Cycle to update. Today is XX/XX/XXXX, the account is yet to update and I continue to make monthly payments that includes interest charges.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Formal Dispute of Debt -Demand Proof of Assignment of Contract I am writing to formally dispute inaccurate information being reported on my credit file. This my XXXX  attempt to dispute the alleged debt you are reporting. request under Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which grants me the right to request the sources and documentation of any information reported about me. Under 15 U.S.C. 1692g ( FDCPA ) and U.C.C. Article 9, you are required to provide verifiable proof that you have a legal right to collect on this debt, including proof of an assignment of contract from the original creditor. 

I am requesting that you provide the original signed contract or application bearing my signature that verifies my responsibility for this debt, including proof of assignment of contract. Without this documentation, you are not legally permitted to continue reporting this account. 

Furthermore, if any third party has paid or assumed this debt, I request verified proof of that transaction. If you can not provide this documentation, I consider the reporting of this account to be fraudulent and demand its immediate removal from my credit report. 

Please consider this a formal complaint and a demand for validation. If you fail to respond with the requested documentation within 30 days, I expect the account to be deleted from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On my Capital One credit card account, a late payment was reported that I am disputing. I previously submitted a complaint regarding this issue, but it was mistakenly marked as a duplicate complaint, and no action was taken to resolve the actual problem. 

To clarify, I am not disputing ownership of the account. I personally authorized and authenticated the account opening and used the card for a brief period. However, after some time, my account was fraudulently taken over, and several purchases and payments were made without my authorization. 

The late payment being reported is tied to that period of unauthorized activity, and it has negatively affected my credit report and ability to secure funding. Since I did not make or control the actions that led to the delinquency, I believe it is unfair and inaccurate for this late payment to remain on my credit profile. 

I respectfully request that Capital One remove or excuse the reported late payment. If that can not be done, I ask that the entire account be removed from my credit report, as the reported activity does not accurately reflect my account behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
I am requesting a review of the following accounts and inquiries listed on my TransUnion credit report. Please verify the accuracy of the items and ensure compliance with the Fair Credit Reporting Act. If any of the items can not be verified, they should be removed or corrected. 

Charged Off 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

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I state that the incorrect late payment notations on my accounts are in violation of 15 U.S.C. 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are both unfair and unlawful.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Illinois Northern Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-03 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation 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 explanation
Consumer complaint received 2025-11-03 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
The original FHA loan was with XXXX XXXX. The home was sold XX/XX/XXXX. XXXX XXXX has this account still showing on my credit report a balance of {$290000.00} with a XXXX  day late payment ( I was never late ) that hasn't been updated by XXXX or the credit bureaus since XX/XX/XXXX. 

This is hurting my ability to purchase a new home, saddling me with a {$290000.00} debt that is not accurate and XXXX  my credit score because of the balance and the status of XXXX days LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
The original FHA loan was with XXXX XXXX. The home was sold XX/XX/XXXX. XXXX XXXX has this account still showing on my credit report a balance of {$290000.00} with a XXXX  day late payment ( I was never late ) that hasn't been updated by XXXX or the credit bureaus since XX/XX/XXXX. 

This is hurting my ability to purchase a new home, saddling me with a {$290000.00} debt that is not accurate and killing my credit score because of the balance and the status of XXXX  days LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
The original FHA loan was with XXXX XXXX. The home was sold XX/XX/XXXX. XXXX XXXX has this account still showing on my credit report a balance of {$290000.00} with a XXXX  day late payment ( I was never late ) that hasn't been updated by XXXX or the credit bureaus since XX/XX/XXXX. 

This is hurting my ability to purchase a new home, saddling me with a {$290000.00} debt that is not accurate and killing my credit score because of the balance and the status of XXXX  days LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation 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 explanation
Consumer complaint received 2025-11-03 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in 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 explanation
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I recently discovered that a company named XXXX XXXX XXXX is reporting information related to a debt on my credit report. I have no relationship or prior dealings with this company and have never applied for, authorized, or agreed to any services or accounts with them. This entry appears to be fraudulent or the result of identity theft.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX  is reporting a credit card account on my Equifax credit report that I did not open and do not owe. I contacted XXXX directly, and their representatives confirmed they have no record of any account under my name or Social Security number. They told me to disregard the reporting since no account exists in their system. 

I also filed a dispute with Equifax, but the account is still appearing on my credit report. This is especially concerning because I already have an active identity theft report and fraud alert on file with Equifax due to prior fraudulent activity. Under the Fair Credit Reporting Act ( 15 U.S.C. 605B ), Equifax is required to block any information resulting from identity theft once they are notified, but they have not done so. 

I have never had a XXXXXXXX XXXX XXXX  or any account with XXXX XXXX, and I have a bankruptcy on file that would have prevented me from opening new credit anyway. I am requesting that the CFPB ensure Equifax permanently removes this fraudulent account from my credit report and that XXXX stops furnishing inaccurate data associated with my identity.

Company response to consumer: Closed with explanation