vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: VT

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-12 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-12 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: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing in response to your notification dated XX/XX/XXXX, informing me that my personal information was compromised in a prior data breach. According to your correspondence, the exposure stems from a security breach originally occurring on or around XX/XX/XXXX, in connection with Experians handling of data from XXXX  applications. 

I am formally disputing the timeliness and adequacy of this notification under California Civil Code 1798.82, which requires businesses that own or license personal information about Californians to notify individuals " in the most expedient time possible and without unreasonable delay '' after discovering a data breach. 

My concerns are as follows : Unreasonable Delay in Notification : The breach in question occurred nearly a decade ago, and was publicly disclosed by Experian on XX/XX/XXXX. 
Yet I received notice only today, XX/XX/XXXX, which constitutes an unreasonable delay of almost 10 years and appears to violate the timeliness requirement in Section 605B.

Failure to Properly Identify Impact : If Experian was aware that my personal information was part of the affected dataset in XXXX ( or reasonably should have been ), then the delay in identifying me as an affected party further suggests a failure in reasonable breach response protocols. 
If Experian only recently determined that my data was impacted, I request an explanation of how and when this discovery occurred, along with supporting documentation. 
Insufficient Mitigation Offered : Your letter does not specify whether you are offering identity theft protection, credit monitoring, or other remedial support, which is customary in such situations and recommended by law enforcement and consumer protection agencies. 


Therefore, I request the following under California Civil Code 1798.82 : A full explanation for the delay in notifying me of the breach.

Written confirmation of when you first became aware that my personal information was part of the compromised data set.

A clear outline of what categories of data were exposed ( e.g., SSN, DOB, drivers license ).

An offer of identity protection or credit monitoring services for a minimum of 24 months.

A description of the security measures you have implemented since the breach to prevent similar incidents. If I do not receive a satisfactory response within 15 business days, I will cons
ider filing formal complaints with the California Attorney Generals Office, the Federal Trade Commission ( FTC ), and other applicable regulatory bodies.

Please respond in writing to the address or email above.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing in response to your notification dated XX/XX/XXXX, informing me that my personal information was compromised in a prior data breach. According to your correspondence, the exposure stems from a security breach originally occurring on or around XX/XX/XXXX, in connection with XXXX handling of data from XXXX applications. 

I am formally disputing the timeliness and adequacy of this notification under California XXXX XXXX XXXX, which requires businesses that own or license personal information about Californians to notify individuals " in the most expedient time possible and without unreasonable delay '' after discovering a data breach. 

My concerns are as follows : Unreasonable Delay in Notification : The breach in question occurred nearly a decade ago, and was publicly disclosed by XXXX on XX/XX/XXXX. 
Yet I received notice only today, XX/XX/XXXX, which constitutes an unreasonable delay of almost 10 years and appears to violate the timeliness requirement in Section 605B.

Failure to Properly Identify Impact : If XXXX was aware that my personal information was part of the affected dataset in XXXX ( or reasonably should have been ), then the delay in identifying me as an affected party further suggests a failure in reasonable breach response protocols. 
If XXXX only recently determined that my data was impacted, I request an explanation of how and when this discovery occurred, along with supporting documentation. 
Insufficient Mitigation Offered : Your letter does not specify whether you are offering identity theft protection, credit monitoring, or other remedial support, which is customary in such situations and recommended by law enforcement and consumer protection agencies. 


Therefore, I request the following under California Civil Code 1798.82 : A full explanation for the delay in notifying me of the breach.

Written confirmation of when you first became aware that my personal information was part of the compromised data set.

A clear outline of what categories of data were exposed ( e.g., SSN, DOB, drivers license ). 
An offer of identity protection or credit monitoring services for a minimum of 24 months. 
A description of the security measures you have implemented since the breach to prevent similar incidents.

If I do not receive a satisfactory response within 15 business days, I will consider filing formal complaints with the California Attorney Generals Office, the Federal Trade Commission ( FTC ), and other applicable regulatory bodies. 

Please respond in writing to the address or email above.

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
The original company was CashNet USA. This popped up on my credit report and I have been disputing with XXXX and XXXX  for almost a a year. It is with XXXX XXXX. I have never once had any correspondence from them. Finally after numerous disputes the finally sent some papers which I assume is supposed to be the disclosures. It was supposedly signed in XXXX. It had an address I had not been at or used since XXXX. It had no signature. No information other than an IP address. I did not take a loan out at 299 %. There is no way I would ever need money that bad. I work in lending. I took out no personal loans. The only loan I had at that time was and auto loan. I requested via phone with XXXX XXXX bank information or some signed document showing proof a month ago and have yet to receive anything from them. I have since disputed through XXXX  again and was notified this morning there was no response to the dispute yet it still remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-12 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra

Complaint narrative:
This regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Amount lost : USD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX given XXXX currencies exchange rates on XXXX XX/XX/XXXX How did I pay : Cryptocurrency XXXX XXXX XXXX XXXX XXXX When : Deposit made to Abra on XXXX XX/XX/XXXX XXXX Funds removed/withheld in XX/XX/XXXX. 

How it started : I logged into my account in the very beginning of XX/XX/XXXX and saw that my Abra Earn balance is XXXX. Looking at my transaction history, there's a record of the funds being moved out of the account, but I did not initiate this transaction. No resolution from Abra support. I've been trying to get a hold of Abra 's support for weeks. When I first discovered my funds are missing, I sent in a support ticket, and they got back to me with a response they will look into it. After a long period of silence, I finally got an email response saying they're " still looking into it. '' I got this response after calling their customer support line multiple times during their posted office hours ( XXXX PST ), but the calls never go through to a person. I only get an automated message that I must call back during office hours. I did call during their office hours. But I left a voice note with my support ticket. They then sent me an email saying they are still looking into the matter. It shouldnt take months to look into such a matter. There is no resolution. Previous transactions processed normally within 24-48 hours. I am requesting immediate reimbursement from Abra. 

Contact method : Abra email customer support and phone customer support

Company response to consumer: Untimely response
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
A {$4700.00} debit card charge from XXXX XXXX posted to my Citizens Bank checking account for services that were never provided. I contacted Citizens Bank to dispute the charge under Regulation XXXX, as the transaction was invalid due to non-receipt of contracted services. 


I made multiple calls to Citizens Bank during the dispute process to ask what documentation or evidence they needed from me. Each time, I was told my documentation was not necessary for their investigation. I also specifically requested copies of the merchants proof of service and the banks written investigation findings ; Citizens Bank did not provide this information. 


Below is a summary of my actions and Citizens Banks handling of the matter : {$4700.00} debit card charge from XXXX XXXX posted to my account. 
XX/XX/year> Contacted Citizens Bank to dispute the transaction under Regulation E, reporting non-receipt of services. 
XX/XX/year> Asked bank what documentation was required ; told my evidence was not needed. 
XX/XX/year> Called again to confirm ; told again my evidence was not needed. 
XX/XX/year> Requested merchant proof of service and written investigation findings ; never received either. 
XX/XX/year> Dispute was denied without my evidence being reviewed. 
XX/XX/year> Followed up with Citizens Bank ; they confirmed the case was closed and refused to reopen.

Citizens Bank denied my dispute without conducting a reasonable investigation and without providing the information I requested, which is required under Regulation E. I am requesting that the CFPB require Citizens Bank to reopen my claim, review my evidence, and issue a refund for the {$4700.00} transaction in compliance with federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VT

Complaint narrative:
My father and uncle both received a call from the county process service office out of Massachusetts. Both stating that I am being sued for a credit card from XXXX with over XXXX dollars in purchases/interest made on it. The CC was opened in XXXX and closed in XXXX. The attorney XXXX XXXX was asked to be reached at XXXX. The number that these people called from came from a XXXX area code to my uncle and a XXXX number to my father. They gave different account numbers. When I called them I thought it was legit and I believe I proved part if not my whole social security number. " XXXX '' stated that I owe over XXXX to them and that other fees are looking at XXXX dollars. I told them I would be looking in to this cc and that was where I left it. I believe this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
Im filing a complaint because TransUnion, Experian, and Equifax are all reporting the same account differently and the information is wrong. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type : Revolving / Charge Account When I compared my reports, I found major differences that clearly violate the Fair Credit Reporting Act, which requires that all reported information be accurate and verifiable. 
XXXX what I found : Date Last Active TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX High Credit TransUnion : {$760.00} Experian : {$0.00} ( impossible if late payments occurred ) Equifax : {$760.00} XXXX XXXX TransUnion : {$340.00} Experian : {$340.00} Equifax : {$0.00} Comments/ Status TransUnion : Charged off as bad debt / Purchased by another lender Experian : Purchased by another lender. Unpaid balance reported as a loss Equifax : Charged off account/ Account transferred or sold These details cant all be correct for the same account. The inconsistencies make the data unreliable and unverified. Ive already disputed this with all three bureaus, and they have failed to fix or remove it. 
Under the FCRA, if an account can not be verified with complete and consistent records, it must be deleted. I am asking the CFPB to investigate and require TransUnion, Experian, and Equifax to either prove the accounts accuracy or delete it entirely from all three of my credit reports.

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