vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint to formally dispute inaccurate and unauthorized information appearing on my credit report that is harming my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information and promptly correct any errors. The following items are incorrect and must be fully investigated and removed or corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX includes a long and incorrect ZIP code that does not reflect my correct residence, also in violation of FCRA Section 611. 

XXXX XXXX XXXX XXXX, NY XXXX contains extra digits in the ZIP code, which is incorrect and misleading, violating FCRA Section 611. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX was reported without my authorization, in violation of FCRA Section 604. 

XXXX XXXX XXXX XX/XX/XXXX was added without approval, violating FCRA Section 604.

The inclusion of these items constitutes clear violations of the FCRA, as inaccurate reporting and unauthorized inquiries directly harm my financial reputation and violate my statutory rights. I demand that all inaccuracies be corrected or removed promptly and that I receive written confirmation of these corrections. I expect the credit bureaus to conduct a thorough investigation, provide the results of their reinvestigation, and permanently delete any unverifiable or unauthorized items. Timely compliance is required under 15 U.S.C. 1681i and 15 U.S.C. 1681b. Failure to address these inaccuracies will leave me with no choice but to escalate this matter further, including filing complaints with the FTC, state regulators, and considering legal action to enforce my rights. I demand that my rights under the FCRA be respected and that all inaccurate, incomplete, and unauthorized items be removed 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 2025-10-24 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:
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
I entered a lease-to-own agreement with Acima Digital, LLC on  XX/XX/2025 ( Lease # XXXX ) for a XXXX XXXXXXXXXXXX XXXX. My contract clearly states that the least expensive option to purchase the property under the Agreement must be exercised within 90 days of delivery. 

The item was delivered on XX/XX/2025, meaning my 90-day early purchase option was valid through XX/XX/2025. On that date, Acimas online portal removed my 90-day early purchase option without warning, replacing it with a new payoff balance of over {$1000.00}. Under the lease terms, my payoff should be approximately {$410.00} ( cash price {$1000.00} {$670.00} in payments made ). 

This appears to be a deceptive business practiceremoving access to a contractual early purchase option before the true expiration date. I tried contacting Acima by phone ( no answer ), email, and chat ( no live agents available ). This is the second time I have experienced severe delays and unresponsiveness from their support. 

Their system appears to ignore the delivery date specified in the lease and instead default to the earlier order date, effectively shortening the customers contractual rights. This violates the Consumer Leasing Act and mirrors patterns already identified in ongoing regulatory actions against Acima. 

I have full documentation : my signed lease, proof of delivery, and XXXX purchase invoice showing the retail price and delivery date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
I am currently in an active XXXX XXXX XXXX ( Case No. XXXX, XXXX XXXX XXXX XXXX  ). Despite the automatic stay under 11 U.S.C. 362, TransUnion continues to report an XXXX XXXX XXXX account ( c/o XXXX XXXX XXXX ) as in collections or charged off. 

On XX/XX/year> ( File ID XXXX ), TransUnion completed an investigation and marked this account Verified as Accurate. However, the debt is included in my ongoing XXXX  XXXX plan and can not legally be collected or reported as delinquent or charged-off during the bankruptcy.

This violates the Fair Credit Reporting Act ( 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ) and the Bankruptcy Code.

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I sent a transfer through CashApp to the wrong persons account. I IMMEDIATELY requested a refund and CashApp sent an email saying it had been processed and sent back to my account. That was 14 days ago. It has been in a pending status ever since. I check it daily to see if it has been processed. Today I contacted support for CashApp, and they told me several things that didnt make sense. They told me that the money hadnt processed, that they couldnt issue a refund, they told me that I didnt file refund request until today. Once confronted with the proof of the refund approved email and the date I requested the refund they said it had been issued back to my card and it was my card issuers problem. I told them it hasnt been issued to my card and that THEIR OWN EMAIL stated the refund was processed differently, but that it hasnt been received yet. I have proof of the payment, the email saying it has been processed and returned to my account, and proof it hasnt been returned yet. I have been patient but their customer service is no help at al, and just runs around in circles stating things that are definitively untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of fraud ; this appeared on my reports a long time ago. I am trying to purchase a house. Instead of fighting this more, I paid the account. Know I can't even get them to report as paid in full. They have denied all my attempts with the credit agency to update the balance. I ask they do this right away

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 2025-10-24 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:
THIS ACCOUNT WAS FRAUDULENTLY PLACED ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Laurens Financial Services Inc
State: NY

Complaint narrative:
I paid a student loan debit but this agency would not help in anyway clear my reports as they are not the ones to report it. They do businesss with a debit buyer that is in violation of the FCRA. My request IGNORED

Company response to consumer: Untimely response
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-24 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I received a fraudulent Coinbase alert with a verified-looking phone number. I called, believing it was support. Over several calls, the calm, XXXX scammer guided me to transfer ~ $ XXXX in XXXX to " my '' wallet on XX/XX/XXXX, then to max out a $ XXXX Chase ACH transfer, claiming it would secure the account. I realized the scam mid-process, demanded a supervisor and official email, and was hung up on. Within 2030 minutes, I confirmed with Coinbase that it was fraud, called XXXX, and successfully stopped payment ( # XXXX ). 

Despite the stop payment, Coinbase shows a {$4800.00} owed balance and has locked my account. They later credited XXXX ETH ( ~ $ XXXX ) for the fraud loss, yet still demand the {$4800.00} before unfreezing trading. 

Claim : The reversed ACH was a fraud-induced, failed transaction with no obligation. The debt should be waived and the account unfrozen immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: IN

Complaint narrative:
I am filing a complaint against TransUnion for reporting and maintaining unauthorized hard inquiries on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Indiana state consumer protection laws. 

The following inquiries appear on my TransUnion credit report but were not authorized by me in writing or verbally : XXXX Financial Date of Inquiry : XX/XX/XXXX XXXX XXXX Bank XXXX. Date of XXXX : XX/XX/XXXX XXXX XXXX Bank XXXX. Date of XXXX : XX/XX/XXXX I am self-employed and have not applied for any credit accounts, loans, or services with these entities. No written authorization or permissible purpose exists to justify these inquiries. 

Under FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ), a consumer reporting agency XXXX only furnish a consumer report to a party that has a permissible purpose and the consumers authorization. 
Further, FCRA XXXX ( a ) ( XXXX XXXX. XXXX ) requires TransUnion to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. I requested removal of these inquiries, but TransUnion failed to provide any verification or proof of consent. 

This failure violates the FCRA and Indiana XXXX XXXX ( b ), which prohibits unfair, abusive, or deceptive acts in consumer transactions, including the dissemination of inaccurate or unauthorized consumer credit information. 

These unauthorized inquiries have harmed my credit standing and privacy. I am requesting that the CFPB investigate XXXX failure to : Obtain or verify permissible purpose or written consent for these inquiries. 

XXXX a proper reinvestigation and remove unverifiable inquiries from my file. 

Ensure compliance with both federal and Indiana consumer protection laws. 

I request that these unauthorized inquiries be permanently deleted from my TransUnion credit file and that TransUnion provide written confirmation of 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 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
What happened : I have disputed several charges on my PayPal Credit account ( Synchrony Bank, Account ending in XXXX ). Despite filing the dispute and repeatedly contacting Synchronys customer service, the disputed charges continue to show as part of my current balance and are accruing interest. 

Ive made numerous calls, been disconnected multiple times, and still have not received a clear resolution or written confirmation that the disputed transactions have been properly removed from my balance. This has been ongoing for weeks, and Im now being charged interest on amounts that should be frozen during the investigation.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am filing this complaint because multiple furnishers and credit reporting agencies are reporting inaccurate, inconsistent, and unverifiable information about my accounts with XXXX XXXX XXXX, XXXX Card, and XXXX XXXX, in violation of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) billing error provisions. 

Across all three major credit bureaus TransUnion, Experian, and Equifax the same accounts are being reported with conflicting dates of last activity and inconsistent late payment histories. For example, XXXX XXXX XXXX ( Acct. No. XXXX * * * * * ) * * shows multiple different dates of last activity and inconsistent late payments between bureaus. XXXX XXXX ( Acct. No. XXXX * * * * ) * * and XXXX XXXX ( Acct. No. XXXX * * * * * * * * ) * * show similar contradictions, with each bureau displaying different dates and varying numbers of late payments. These discrepancies can not all be accurate and clearly demonstrate a lack of proper data verification and quality control. 

Under FCRA 602, XXXX established that credit reporting must be fair and accurate. However, the repeated inconsistencies in my file show that both the credit bureaus and furnishers have failed to meet their obligations under FCRA 607 ( b ) ( duty to ensure maximum possible accuracy ). The XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX are also in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ) for failing to report accurate and updated information and of 623 ( b ) for failing to properly investigate disputed information. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to a reasonable reinvestigation of any disputed item, but these accounts remain uncorrected despite clear evidence of inconsistency. Under 609 ( 15 U.S.C. 1681g ), I have the right to full disclosure of verification records, which I have not received. 

Furthermore, 15 U.S.C. 1666 and 1666a prohibit creditors from continuing to report or act on disputed billing information while an investigation is pending. Despite my disputes, these accounts continue to show up with conflicting information across the credit bureaus.

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 2025-10-24 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CT

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am really frustrated that the inaccurate late payments continue to appear on my credit reports even after refreshing the browser. I want this resolved right away and I request that the documents I provided be reviewed properly so I can stop worrying about this over and over again.

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Email XXXX ( as listed on your credit report ) The account number ( masked like XXXX ) A statement like : I am disputing the account listed as Resurgent/LVNV Funding, opened XX/XX/year>, showing a balance of {$1700.00}. I have requested validation from the debt collector and have not received verification of this debt. Please investigate this account for accuracy and remove it if unverifiable per the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with explanation