vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
This is my second dispute regarding XXXX XXXX, Account # XXXX. I previously submitted proof that this account was reported with materially different information across Experian, Equifax, and TransUnion, including different late statuses, dates of last payment, dates last active, and account terms. 

XXXX responded that they furnished accurate data to all three bureaus, suggesting the problem is with the credit bureaus. If that is true, then the bureaus violated FCRA 607 ( b ) by failing to maintain maximum possible accuracy. If XXXX statement is false, then XXXX violated FCRA 623 ( a ) ( 1 ) ( A ) by furnishing inaccurate data. Either way, the result is the same : the information reported was false, inconsistent, and unverifiable. 

You Must Answer This Question : WHO MADE THE ERROR? 
OPTION A : XXXX XXXX Made the Errors They provided different payment statuses to different bureaus ( 120 days vs 180 days late ) They provided different account terms ( 12 months vs 0 months ) They provided different reporting dates across bureaus RESULT : FCRA 1681s-2 ( a ) violations for inaccurate reporting OPTION B : The 3 Credit Bureaus Made the Errors Kashable Claim they provided identical, accurate information to all three bureaus The bureaus displayed there accurate information incorrectly RESULT : Information is unverifiable and must be deleted per FCRA 1681i EITHER WAY = ACCOUNT DELETION REQUIRED " If the furnisher 's inability to maintain consistent, accurate records across all credit reporting agencies demonstrates fundamental FCRA violations XXXX I am requesting deletion of this unverifiable account from all credit reports. '' - Your own words prove this account must be deleted.

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 2025-09-07 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: EQUIFAX, INC.
State: IL

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 U.S.C. 1681.

The accounts below have violated my rights.

15 U.S.C. 1681 section 602A. 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 a 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 ) ( a ) 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. 
Delete the accounts below : XXXXXXXX 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
Yesterday my transunion credit report had XXXX accounts on my credit report that just appeared out of no where. I have contacted several people and disputed this on XXXX XXXX When I XXXX  this to see how to fix it I learned transunion was hacked and it affected millions of people. Is there anyway my transunion report can go back to the way it was? Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.

Complaint narrative:
I hold a Citi XXXX XXXX XXXX AAdvantage credit card that I have repeatedly requested to close since moving abroad. Citis international customer service has refused to process my request, insisting closure is only possible through mail to a former U.S. address I can no longer access. This policy makes it impossible for me to exercise my right to close the account. 

Citi has continued to charge me unjustified fees despite my closure requests. On XX/XX/year>, they billed me a {$99.00} annual membership fee, and on XX/XX/year>, they added a failed autopay fee and an interest charge. These fees resulted solely from Citi blocking me from closing the account, and I should not be held responsible for them.

Citis refusal to provide reasonable alternatives for overseas residents ( such as verification through a passport, foreign address, or email ) is unfair and traps me in an account I can not use but continue to be charged for.

Therefore, I request immediate resolution : 1. Close my Citi / AAdvantage account in good standing.

2. Refund the {$99.00} annual fee and all XX/XX/year> charges. 
3. Confirm in writing that no further fees will be billed.

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 2025-09-07 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: CA

Complaint narrative:
I am following up because it has been over XXXX days and I still see no correction or deletion of the negative items I disputed. I want to stress that TransUnion is currently facing a {$23.00} XXXX settlement in XXXX XXXX TransUnion LLC for failing to properly investigate consumer disputes. This is exactly what I am experiencing generic responses with no resolution. 

Additionally, there has been a major TransUnion data breach in 2025 affecting millions of consumers, including myself. My data may have been compromised, and I am now dealing with the continued presence of inaccurate or unverifiable accounts. 

I also continue to see incorrect addresses, charged-off accounts, closed accounts, and collections I do not recognize or did not authorize. I am receiving calls from collectors even though the accounts are marked closed or charged off this is unacceptable and could be a violation of the FDCPA. 

This is severely impacting my ability to qualify for housing and auto loans. I have filed multiple complaints in the past that were unresolved. I expect full deletion of all unverifiable, inaccurate, or questionable items from my report, including hard inquiries and outdated personal information. 

At this point, the only fair resolution is the complete removal of all disputed items within XXXX days. TransUnion and the other credit bureaus have failed to properly investigate, and I am documenting this ongoing issue for legal follow-up if necessary.

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 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: KY

Complaint narrative:
I am the defendant in an active lawsuit filed by Republic Finance regarding a consumer debt. After the lawsuit was filed, I received a phone call from the creditor or their representative on XXXX, XXXX 2025. During the call, I was told I had to make a payment to avoid charge-off, which I believe was misleading and coercive. 
I felt pressured and confused, and as a result, I made a payment but I do not admit to owing the debt as claimed in the lawsuit. This communication occurred during ongoing litigation and XXXX violate the Fair Debt Collection Practices Act ( FDCPA ) and Kentucky XXXX XXXX laws due to its timing and misleading content. 
I also requested written validation of the debt and asked that all future contact be made in writing only. I am submitting this complaint to have the CFPB investigate whether this collection activity is lawful and to prevent further misleading or harassing conduct during the legal process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: GA

Complaint narrative:
I am the victim of identity theft and data breaches, including both the Equifax breach and the XXXX breach, which compromised my Social Security number and other private data. As a result, my credit files across all three bureaus Equifax, Experian, and TransUnion now contain false accounts, contradictory charge-off reporting, unauthorized inquiries, and inaccurate personal identifiers.

Despite repeated disputes, the credit bureaus continue to verify items without providing any documentary proof such as billing statements, account ledgers, payoff records, or signed applications. This violates FCRA 1681i ( a ), which requires a reasonable reinvestigation and deletion of unverifiable information, and FCRA 1681e ( b ), which requires maximum possible accuracy. 

1. False and Contradictory Accounts XXXXXXXX XXXX ( Account ending XXXX ) Reported with late payment codes and settlement notations while also showing OK histories and a {$0.00} balance. These contradictions are impossible under Metro2 standards. Yet the bureaus keep verifying this account. 

XXXX ( Account ending XXXX ) Reported as charge-off, collection, and paid/closed with a {$0.00} balance at the same time. The tradeline is inherently misleading and unverifiable XXXX Inquiries XXXX XXXX My reports also show hard pulls from 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 never authorized these inquiries, never applied for credit with these companies, and no permissible purpose exists. The bureaus have failed to provide any signed application or IP/timestamp records to support them. 

XXXX. False Personal Identifiers The bureaus continue to attach identifiers that do not belong to me, including : False names : XXXX XXXX XXXX and XXXX XXXX. 

False addresses : XXXX XXXX XXXX XXXX XXXX XXXX   GA ; XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX CO XXXX increase my risk of file mixing and identity theft, especially after my confirmed exposure in the Equifax and XXXX breaches. 

4. Bureau Responses and Ongoing Harm On XX/XX/XXXX, I filed complaints with the CFPB regarding these matters. Each bureau admitted to the CFPB that my disputes are still under review, yet they continue to report the disputed items as verified XXXX direct violation of FCRA 1681i.

Because of these failures, my creditworthiness is being misrepresented, my FICO scores are being suppressed, and I am being exposed to reputational and financial harm, including denials of credit opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I've contacted many times credit reporting companies, XXXX XXXX  and resurgentXXXX none have helped with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
My Coinbase account has been repeatedly locked since at least XX/XX/year>, despite following their verification process multiple times over more than XXXX months. Each time I complete their required steps, the account gets locked again within days, creating an endless cycle that prevents me from accessing my cryptocurrency funds. 

Timeline of repeated failures : XX/XX/year> : Received email confirming identity verification XX/XX/year> : Account locked again, completed identity verification process XX/XX/XXXX : Account locked again after brief access, repeated verification XX/XX/XXXX : Account locked again, completed verification process again XX/XX/XXXX : Account locked again, forced to start process over Each cycle follows the same pattern : Account gets locked I verify identity through manual review process Receive text confirmation they're working on review Within XXXX hours, receive email saying identity verified, instructed to login within XXXX hours to reset password and XXXX I complete password reset and XXXX setup as instructed Account appears unlocked but I still can not buy or sell cryptocurrency I contact customer support chat, they open a case number Within days, account gets locked again and cycle repeats This has occurred repeatedly for over XXXX months. Each customer service interaction results in the same ineffective process rather than identifying and fixing the underlying issue. I have been unable to access my funds or conduct transactions despite repeatedly following all required steps. Coinbase 's system appears to have a technical failure that their support team can not resolve, leaving me locked out of my own assets for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
I want all inaccurate or unverifiable negative items to be verify and creditors to fully comply with FCRA 15 USC 1681i and 1681e.

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 2025-09-07 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and CREDITBUREAU has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-09-08 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:
I PREVIOUSLY FILED ANOTHER COMPLAINT AND THE COMPANY ACCEPTED THAT THERE WAS MISUSE OF MY CREDIT REPORT AND I IMMEDIATELY REQUEST THE REMOVAL OF THESE INQUIRIES 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.

The accounts below have violated my rights.

15 U.S.C. 1681 section 602A. 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 antedate the report by more than XXXX years 15 U.S.C. 16815-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-09-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
2 American Express Gift Card purchased online, one for {$1000.00} and one for {$500.00}, cards don't work, they get declined, the company limits the use or the card is not accepted by all large vendors due to the card having no name or billing address. 


Tried to speak with the company to get a resolution and they are saying to try other vendors. No real resolution is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit XXXX has sent me a letter of an alleged debt. I have no clue as of this debt. I then contacted them XXXX times by certified mail and requested a debt validation letter, and then signed the certified card. I never received within the XXXX times a letter I have had requested. The XXXX certified letters are XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and lastly XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On Monday XX/XX/year> I received a text from Sofi banking at XXXX pm asking if I tried to spend {$200.00} at XXXXXXXX XXXX XXXX XXXX XXXX. I stated no as I had not authorized this transaction. I was text my account was locked at XXXX and asked to call them. I immediately called them at XXXX where I spoke with an agent about the fact my wallet had been stolen near my house in XXXXXXXX XXXX XXXX  XXXX I alerted them of the fraudulent charges I did not authorize which include XXXX XXXX ( {$10.00} ), XXXX XXXX ( {$63.00} ), XXXX XXXX ( {$21.00} ), XXXX XXXX ( {$57.00} ), Tacos XXXX ( {$33.00} ), XXXX XXXX ( {$40.00} ), XXXX ( XXXX ), XXXX XXXX ( {$50.00} ), XXXX XXXX ( {$60.00} ), XXXX  ( {$190.00} ), XXXX  ( {$100.00} ), and XXXX XXXX ( {$69.00} ). Sofi reported to me that they would send me a new debit card and advised that I contact them again once all the items posted to my account and were not pending. I contacted them on XX/XX/XXXX at XXXX to file the dispute but items listed were still pending and again on XX/XX/XXXX where I filed a dispute for {$900.00}. I received notification on XX/XX/XXXX they denied my dispute stating that I had previously shopped at XXXX XXXX  therefore they would not refund my money. While this was happening I filed a police report with XXXX Police department, reference number XXXX. Once I received notification on XX/XX/XXXX of the denial of the dispute I contacted Sofi and requested an appeal of the dispute on my sofi app and additionally emailed them requesting an appeal.

Company response to consumer: Closed with explanation