vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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:
XXXXGood day,XXXXI am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-14 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful
noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful
noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I just learned that I was sent to collections by Checkngo ( CNG ) and am delinquent as of XX/XX/XXXX. I am distraught because I never received the mandatory notification from collections, so I could either contest or pay the charge. Also, CNG has never called me about this supposed delinquency. I paid my balance in full with an extended payment plan and this unexpected hit against my credit is absolutely unacceptable. 

According to the online record my last loan agreement was dated XX/XX/XXXX. ChecknGo 's website doesn't show my extension agreement nor my paid in full confirmation. In fact, I have used extensions before, and those records aren't showing either. However, they are offering me a new loan. 

I have never received a call, voicemail, letter in the mail, nor email requesting me to pay this alleged debt from neither ChecknGo nor the collections agency hired by them-XXXX XXXX XXXXXXXX XXXX XXXX is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
XXXXGood day,XXXXI am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.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 2025-10-13 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-14 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: AL

Complaint narrative:
Complaint against XXXX XXXX XXXX. I have highlighted the dates in yellow on my credit report. It says Date open of said credit account is XXXX But then it says first delinquency date is XXXX how can there be a delinquency before an open date.? Included copy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : passport ID Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
The following accounts remain inaccurate or unverifiable as of my latest 3-bureau report dated XX/XX/XXXX : XXXX XXXX ( XXXX ) : Reported as charged-off with an unpaid balance of {$8400.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. This account was closed years ago and should not continue to report as delinquent. 

XXXX XXXX XXXX XXXX XXXX  Listed as charged-off and in collection with a balance of {$18000.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. Dates differ across bureaus, suggesting the account was re-aged. 

XXXX XXXXXXXX ( first account ) : Continues to report as charged-off with a {$4300.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX ( second account ) : Also charged-off and listed with a balance of {$760.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX : Still shows as charged-off with a balance of {$14000.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX Account : Listed as late 120+ days and placed for collection with a balance of {$10000.00}. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX ( Credit Card ) : Reporting as charged-off with a {$9500.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX ( XXXX Account ) : Appears as a duplicate tradeline, reporting a {$4300.00} charge-off. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) : Reporting as a charged-off account with a {$22000.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX XXXX ( Secured Credit Card ) : Continues to show as charged-off with a {$380.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX : Listed as a student loan account charged-off with an {$11000.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX ( XXXX Account ) : Reports as charged-off with a {$140.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX. 

XXXX XXXX XXXX ( XXXX XXXX Account ) : Also charged-off, showing a {$58.00} balance. The last activity date was XX/XX/XXXX, and the last reported date was XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I tried to get a validation of debt from this company and was unable to receive it within the lot of time with the law states.

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 2025-10-13 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch
State: AZ

Complaint narrative:
I was offered a refinance auto loan via XXXX XXXX  with a rate of 4.8 % They listed several lenders, autopay, XXXX etc. 

I chose the autopay option as it indicated guaranteed rates with outstanding approval odds. 

After submitting the application which indicated a soft credit pull, they hit my credit with multiple hard inquiries. Once on the phone with them they claimed I authorized multiple credit inquiries and that they are in fact XXXX, autopay and XXXX XXXX, a 3rd party autoloan broker and not a loan company. This was never revealed to me and I asked why they dosnt reveal that. She said I would have had to print the TOS and read through the fine print to know that and that the fine print also indicated that I authorized multiple hard inquiries. 

When asking for clarification the representative became agitated, rude and dismissive of all questions and began being extremely pushy and tried to pressure me into continuing the application. 

I told her to cancel the application as I wouldnt be doing buisness with such a rude individual. She texted 3 more times to apologize and offered to place me in contact with a different representative and I agreed, see attached photos and emails. She then emailed that the application was canceled without firther confirmation after we resolved the issue by agreeing to have a differnt representative take over. This was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-13 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: MN

Complaint narrative:
Dear CFPB Team, I am submitting this complaint regarding Kraken ( Payward Inc. ), involving an unauthorized deposit error, account mismanagement, and a liquidation threat made against my cryptocurrency holdings. 

Summary of the Issue : On XX/XX/year>, I initiated a USD deposit that Krakens system marked as declined. I retried the transaction on XX/XX/XXXX, and it was properly funded on XX/XX/XXXX. However, Kraken later reprocessed the original failed deposit without my consent, causing a duplicate credit. I was unaware of this until receiving automated notices demanding repayment and, later, threats that my crypto assets would be liquidated if I did not wire the funds back within 14 days. 

Over the following weeks, I made numerous attempts to resolve this in good faith, including over a dozen emails and several phone call requests between XXXX and XXXX. Despite my transparency and repeated explanations, Kraken has avoided management-level review, failed to respond adequately, and continues to blame their internal system error caused by a XXXX migration on XX/XX/XXXX. 

The attached documentation clearly shows that Kraken acknowledged the issue originated on their side, yet still pursued liquidation threats rather than resolution. 

Attachments : CFPB_Complaint_Letter_XXXX.pdf Formal complaint letter summarizing the situation and requested resolution. 

Kraken_Email_Evidence_Summary_XXXXpdf Chronological record of all emails, including my escalation attempts, phone-call requests, and Krakens responses XXXX or lack thereof ). 

I am requesting that the CFPB investigate this matter, require Kraken to stop all liquidation threats, and ensure they handle this dispute with transparency and accountability. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I agreed to purchase a used vehicle from XXXX XXXX XXXX for a total sales price of {$16000.00} which included a {$2000.00} cash deposit. It was mutually agreed between myself and XXXX XXXX XXXX that I would make monthly payments of {$290.00} beginning XX/XX/XXXX with one final payment of XXXX due on XX/XX/XXXX. I was advised to make my payments to MAS Financial. MAS Financial is also the company that is falsely and erroneously reporting to Experian. MAS reports that the monthly payment is {$430.00} and now 60 days past due. They also reported 30 days late in XX/XX/XXXX. I have made the monthly payment that I agreed to make with XXXX XXXX XXXX of at least {$290.00} within a fews days of the due date. never 30 or 60 days past due. I have requested an invoice, Truth-in-lending disclosures, and their insurance company information so that I can file a claim against them for the harm that they have caused. MAS denied providing me their company insurance information, truth-in-lending disclosures, nor an invoice stating that I owe $ 436 monthly to MAS Financial. MAS Financial pattern and practices have caught up with them and they face multiple lawsuits. I have tried to resolve the issues with MAS, but their staff is extremely rude and harassing. They called my phone more than 3 times a day and when I want to discuss the status of the account, credit reporting, and who they carry the company insurance with, they would just hang up on me and order an unlawful repossession order. SO UNPROFESSIONAL and RUDE. I advised MAS multiple times via recorded phone calls that they do not have my permission to report ANY payment to my credit report without my consent and authorization. I gave MAS and Experian a copy of the a cease and desist letter that I sent to MAS registered agent. I dispute my Experian credit report monthly providing updated documents like on-time payment history and requests for a copy of the truth-in-lending disclosures. Experian failed to conduct a proper investigation and continued to update my credit report with derogatory information.

Company response to consumer: Closed with explanation