vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX Valued at {$300000.00} usd invested ( XXXX Bitcoin ) was illegally taken from me by COINBASE AND MORPHO due to a scam they ran on locking the system and force liquidations in a whale dump to intentionally steal from many! This was done also back in XXXX as you can look up. I have everything documented even before it happened I was requesting to somehow be able to use the funds in the account to make sure it was Safe due to the system not working for me to use funds in the account already to pay my loan or even add more bitcoin I had available to the collateral side. Keeping me even further away from that chance however they barely touched my number to liquidate which should have been safe according to all metrics day traders can predict. The support agents insured me It was completely safe from liquidation. They said go rest its ok. I have screenshots of EVERYTHING and instantly right after I tried to see what happened by them liquidating the following morning and they said it was taken. I immediately started trying to reach out to the premium concierge agent. I was assigned to as a premium customer for over XXXX years paying over XXXX a month for that and he did not care the reaction is recorded. He intentionally hung up on me and he canceled my following meeting that I booked immediately there after. I need to provide a lot of detailed information because this is a lot of information and documentation. Please reach out and leave a way to reach you back in the event. You do not get in touch with me as I am in bad service area at the moment for the following week. Until XXXX. I want my XXXX bitcoin returned right away and am looking to resolve this instantly as this is ALL I had. I have way more evidence than can be uploaded, even after the fact, screenshots of higher support speaking with management and saying the balance will be fixed within a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account was fully settled, but it continues to display late payment notations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am disputing the accuracy of the XXXX XXXX account starting in XXXX. 
The information being reported is inconsistent between the credit bureaus, and because of these contradictions, the account can not be verified or reported accurately. 

Here are the specific issues : Equifax reports a High Credit of {$0.00}, while TransUnion and Experian report {$6700.00}. 
This is not possible, especially since the account also shows a balance of over {$6000.00}. High Credit can not be XXXX. 

The Date of Last Payment does not match across the bureaus. 
TransUnion and Experian show XX/XX/year>, but Equifax shows XX/XX/year>. 

The Date Last Active also differs across the bureaus, which means the furnisher is not providing consistent, verifiable data. 

These conflicts violate the FCRAs requirement for maximum possible accuracy ( 607 ( b ) ) and the furnishers duty to report accurate information ( 623 ( a ) ( 1 ) ( A ) ). 

Because this account is being reported with contradictory and unverifiable information, I am requesting that the entire XXXX XXXX tradeline be deleted from my credit report. 

Please complete your reinvestigation and provide written confirmation once the deletion is completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am disputing the accuracy of the XXXX XXXX account starting in XXXX. 
The information being reported is inconsistent between the credit bureaus, and because of these contradictions, the account can not be verified or reported accurately. 

Here are the specific issues : Equifax reports a High Credit of {$0.00}, while TransUnion and Experian report {$6700.00}. 
This is not possible, especially since the account also shows a balance of over {$6000.00}. High Credit can not be XXXX. 

The Date of Last Payment does not match across the bureaus. 
TransUnion and Experian show XX/XX/year>, but Equifax shows XX/XX/year>. 

The Date Last Active also differs across the bureaus, which means the furnisher is not providing consistent, verifiable data. 

These conflicts violate the FCRAs requirement for maximum possible accuracy ( 607 ( b ) ) and the furnishers duty to report accurate information ( 623 ( a ) ( 1 ) ( A ) ). 

Because this account is being reported with contradictory and unverifiable information, I am requesting that the entire XXXX XXXX tradeline be deleted from my credit report. 

Please complete your reinvestigation and provide written confirmation once the deletion is completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
The reported information appears to mischaracterize my financial activity. I request a detailed review and appropriate modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: EGL US, LLC
State: FL

Complaint narrative:
I originally took out a loan with XXXX ON XX/XX/XXXX. I last refinanced my loan on XX/XX/XXXX, XXXX number XXXX. Per the agreement between BMG and I, I am to pay {$130.00} bi-weekly, twice a month ONLY. I had to provide proof that BMG checking and routing numbers were set up on my employer 's direct deposit. Although there XXXX  months out of the year I am paid XXXX times as well as a bonus XXXX  a year, being that BMG is set up on my direct deposit, they're still paid {$130.00} out of each check. On XX/XX/XXXX, I was paid my regular check and XXXX bonuses ; BMG was paid out of all three payments, {$130.00} ( XXXX ) = {$390.00} in which they were to be paid {$130.00}, my second and last payment of {$130.00} for XXXX. Once the payments were posted to my BMG account, which was on XX/XX/XXXX, I called BMG and requested that my overpays be refunded, which had happened a few times before. I was told they did see the XXXX additional overpayments and that my money was sent for processing to be refunded. Due to XXXX coming and my insurance pending cancellation, I asked for a supervisor, but they refused to allow me to speak with a supervisor. I was promised a callback from a supervisor, but that never happened. I have requested a supervisor months ago due to other issues, a supervisors never call or follow up. I keep getting excuse after excuse regarding my refund. I have a total of XXXX calls, XXXX emails, XXXX chats, still no responses, still no callback, still no refund. It is unfair that customers are held to their agreement and could be arrested, taken to court, or even reported to the credit bureau, but companies like BMG can take and illegally hold your money, and they're never held accountable. I could not feed my family for XXXX, and now my insurance is pending cancellation because BMG is illegally holding my money that I worked hard for. Every dime I make is counted for, and I need my refund today. Today is the XXXX day, and I am still getting the run-around about my refund, like several other customers who have filed complaints against XXXX regarding refunds. I was told XXXX days ; today is the XXXX day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Starting in XX/XX/year>, someone used my wifes Walmart account to order several items. I did not have a Walmart credit card nor does my wife XXXX XXXX, but she does have a Walmart account. The logged into her Walmart account and changed the phone number to be able to make purchases, because when we got our statement from GM Mastercard, which the name of the GM card has now changed to Barclays, She tried to log into her Walmart account and could not because the phone number had been changed. I called the number for Walmart customer service and yes the phone number had been changed but they did not resolve the issue, so then I contacted GM ( Barclays ) about fraud charges and they investigated but did nothing to remove those charges. Today we got a letter from Barclays stating they have investigated the charges and they are our responsibility!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
These accounts don't belong to me ; my identity was stolen, and another person fraudulently used my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
These accounts don't belong to me ; my identity was stolen, and another person fraudulently used my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
An incorrect address appeared on my credit report. I tried filing a dispute online with Experian. They gave me this message, For security reasons, we can not process your dispute online. Please contact us below. 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # xxxx-xxxx-xx. 

Mon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX I have called them many times, only to get by their robot answering machine twice. After getting through, it simply says it cant connect me and hangs up. I then downloaded the app and tried to change my address on there and received a technical difficulty error. I think this company is likely a fraud since they clearly have no support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NC

Complaint narrative:
II am disputing the following entries on my Equifax credit report : Inquiries : XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX, XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
Can you make sure this entry is right? I was rushing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : Kikoff Lending LLC Account ( last 4 ) : XXXX Bureaus Reporting Incorrect Info : XXXX XXXX XXXX XXXX XXXX Description of the Issue The Kikoff Lending LLC account ending in XXXX was included in and discharged through my XXXX XXXX  bankruptcy. The credit bureaus reflect the status Discharged through Bankruptcy XXXX XXXX, and the furnisher updated the trade line XX/XX/XXXX well after discharge. 

However, Kikoff continues to report : 30-150 day late payments after the bankruptcy filing A Charge-off in XX/XX/XXXX A highest balance appearing as collectible debt Monthly repayment history post-discharge Continued derogatory updates designed to show default Since all liability on this account was legally wiped out through bankruptcy, any derogatory reporting past the discharge date is inaccurate and unlawful.

-- - Legal Violations Kikoff Lending LLC is in violation of : FCRA 1681e ( b ) failure to maintain accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) reporting info known to be incorrect FCRA 1681i failing to correct info after dispute US Bankruptcy Code 524 ( a ) ( 2 ) continued collection via adverse reporting FDCPA 807 ( 8 ) misrepresenting legal status of a debt Unfair/Deceptive Acts and Practices The bankruptcy discharge prohibits all negative post-petition reporting.

-- - Impact on Me This inaccurate reporting has : Damaged my creditworthiness Prevented rebuilding after bankruptcy Misled lenders that I defaulted post-discharge Caused financial and emotional stress -- - Efforts Already Made I disputed this information with the credit bureaus and it was improperly verified with no supporting documentation proving the debt remained collectible. 

This is a failed reinvestigation under FCRA. 


-- - Requested Resolution I request that CFPB require Kikoff Lending LLC to : 1 Remove this account from ALL credit bureaus OR 2 Correct the trade line to show ONLY : Included in XXXX XXXX  bankruptcy {$0.00} balance No past-due indicators No charge-off No negative payment history No future derogatory updates I demand complete compliance with federal law.

-- - Certification Everything above is true and accurate to the best of my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I am submitting this statement in regard to accounts that I have identified as inaccurately reported on my credit report. I am seeking assistance to address these disputes and ensure that my credit file is updated in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX, Balance : {$9300.00} Late Payments : 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I am contesting this account because I never entered into any contract with this company and I never allowed my personal information to be transferred, purchased, or handled by this business. At no point did I sign any document that gives this company permission to collect, store, share, or use my sensitive data. I also reviewed all of my agreements and none of them mention this company by name. There is no authorization from me for any involvement by this company.

This company claims to be collecting a debt, yet it has produced no record that shows I approved any relationship with them. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, a company must be able to prove it has a lawful right to possess a consumers identifying information and show that the consumer knowingly agreed to allow the transfer of that information. They have not done so.

I am requesting verification that this company has the legal right to my information and confirmation that I personally approved their access. I am not asking for a breakdown of the alleged balance. I am asking for proof that I ever agreed to let this company handle anything connected to my identity. Under 15 USC 1681e and 15 USC 1681b, a company must have a permissible purpose before it touches or reports any consumer data. Under 15 USC 1692g, a collector must provide evidence that it is the rightful party and that the consumer created a relationship with them. None of this has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief