vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: SC

Complaint narrative:
This is a dispute of multiple defective entries under the FCRA : XXXX. XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Status reported Charged off/ Transferred or Sold. 
o Balance inconsistencies vs. XXXX  ( {$430.00} vs. {$0.00} ). 
o Violation : 607 ( b ) ; Metro 2 XXXX XXXX and XXXX. 
XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  o Reported as Open / Late 120 Days with DOFD inconsistent ( XX/XX/XXXX vs. XX/XX/XXXX on XXXX  ). 
o Dispute every month of late history. 
o Violation : 607 ( b ) ; Metro 2 XXXX XXXX. 
XXXX. XXXX XXXX Acct # XXXXXXXX XXXX  o Closed XXXX, yet you updated Reported in XXXX. This is illegal re-aging. 
o Violation : 607 ( b ) ; FTC XXXX XXXX, XXXX XXXX XXXX. XXXX. 
XXXX. XXXX XXXX Acct # XXXX * o Reported Charged Off with balance {$6300.00}.

o Days Late history shows 90 : XXXX mathematically impossible under Metro 2 ( XXXX XXXX ). 
o Violation : 607 ( b ) ; Metro 2 XXXX XXXX. 
XXXX. XXXX  Secured Card o Completely missing from your bureau while XXXX report XXXX as open/current. 
o Violation : FCRA 607 ( b ) incomplete file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Here 's a strong complaint draft for you : Date of Issue : XX/XX/year> Company : Kraken XXXX ( Payward, Inc. ) What Happened : On XX/XX/year>, I attempted to sell cryptocurrency worth approximately {$10000.00} during a critical market price level ( {$120000.00} per Bitcoin ). The transaction was time-sensitive due to market volatility and personal financial needs. 

The Platform Error : The platform repeatedly rejected my bank account verification with the error message : " The first and last name on your bank account must match the name on your Kraken account. '' This occurred despite my name being identical on both accounts. After investigation, it appears their system can not properly handle lowercase name formatting that my bank uses, creating an impossible verification loop. 
Failed Customer Support : XXXX XXXX  ( PST ) : Initiated live chat support request through their platform XXXX XXXX, XX/XX/XXXX ( PST ) : Still no response from any support representative ( XXXX hours waiting ) No alternative verification method was provided No estimated response time was given Financial Impact : Due to this technical error and complete absence of customer support, I have been unable to : Access my funds during a volatile market period Execute a necessary financial transaction within my required XXXX timeframe Move my assets to a functioning platform The cryptocurrency market operates XXXX, and the price has fluctuated significantly during the period I've been locked out. The company advertises " XXXX live support '' which is demonstrably false.

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 2025-10-03 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: FL

Complaint narrative:
b'I dispute the following tradelines as inaccurate: \n1. XXXX XXXX XXXX XXXX (XXXX)  Reported as Charge Off/Loss by Credit \nGrantor. \no A collector cannot report a creditor charge-off. \no Violates 607(b), FDCPA 807(2)(A). \no Metro 2: XXXX misuse; DOFD missing. \n2. XXXX XXXX XXXX  XXXX XXXX  Reported as Charge \nOff. \no False for a collector; loss by credit grantor is misleading. \no Metro 2 XXXX violation. \n3. XXXX XXXX XXXX (XXXX)  Charge Off/Loss by Credit \nGrantor. \no Same defect as above. \n4. XXXX XXXX XXXX  High Credit inconsistent ($0 XXXX  vs $750 EX); different \nlate grids. \no Violates 607(b); Metro 2 XXXX XXXX XXXX DOFD.'

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 2025-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
I have 2 installment loans ( because of car repairs the shop gave easypay as option because repairs were over {$2000.00} at the time and I did not have that amount ) with easypay finance/easypay leasing whichever the correct company name. I called on XX/XX/year> to verify that loan was paid off and for them to send payoff letter during that call they said yes and wait for 7 to 10 days that never happen, called XX/XX/year> for the same reason and nothing was done. Then they will say first loan paid off but say it's not, I asked for a payment history and received something on XX/XX/year> ( I can send that maybe someone on your end can make more sense of the printout because it's not clear to me ). Then todayXXXX without my permission they use my debit card to take {$93.00} from my account. I filed a complaint with the attorney general of the state Florida on XX/XX/year> but have not heard back from them yet. When you look them up onXX/XX/XXXX you see nothing but complaints against them 344 that I counted. I don't understand how they are able to get away with this when most of the customers have the same complaint against this company. Please advise what can I do this company run like they are scammers. I have more information from calls with easypay if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00}

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 explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grow Credit Inc
State: FL

Complaint narrative:
Re : Request for Debt Validation & Metro 2 Compliance Account # : XXXX To Whom It May Concern, I am writing in response to your attempted collection of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide full and complete validation of this debt, including but not limited to : The original creditors full name and address. 

The exact amount claimed as owed, with a detailed itemized accounting of all fees, interest, and charges. 

Proof that you are legally authorized to collect this debt and are compliant with federal, state, and local law. 

A copy of the original signed contract or agreement bearing my signature. 

Any and all assignments or transfers of the debt, including dates and parties involved.

Verification that any reporting to credit bureaus complies with Metro 2 reporting standards, including accurate account status, dates, balances, and the chain of ownership. 

Until you provide valid and verifiable documentation, you are prohibited from reporting, continuing collection, or communicating with any third party about this alleged debt. Failure to provide validation constitutes a violation of the FDCPA, and I will not hesitate to report your non-compliance to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 

Furthermore, be advised that any inaccurate reporting on my credit report must be immediately corrected or deleted per the Fair Credit Reporting Act ( FCRA ), especially regarding Metro 2 data fields. 

Please respond in writing only. Phone calls or other communications are not authorized. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. 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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my credit report that I believe contain inaccurate information. In accordance with my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate and verifiable credit report. I request a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : UNAUTHORIZED COLLECTION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX - XX/XX/2025 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I sent Synchrony Bank / Care Credit a letter disputing their reporting of late payments on my credit report. The letter was sent certified with a signature required and I have proof of delivery. It's been over XXXX months and they haven't updated my credit report as disputed, which they're required to do according to 15 U.S.C. 1681s-2 ( a ) ( 3 ). This is a clear violation of my rights under FCRA and showcased in both Saunders vs BB & T and Gorman v Wolpoff & Abramson, LLP.

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 2025-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX, XXXX, XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-10-03 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: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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