vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-02 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: Kikoff Inc.
State: NJ

Complaint narrative:
I opened a Kikoff account to check my credit score months ago closed it the same day. I check XXXX today my credit drops XXXX points and its been from kikoff flagging my account, theyve been taking money from my autopay up until the last two months I had no idea and have reported this to XXXX to file dispute as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXXXXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I need help coming up with the money to collect the credit insights and statement I need to claim the XXXX XXXX dollar in revenue from the XXXX XXXX companies that looking for the new XXXX 
I can't even get anyone from dnb to give me the credit allowance to purchases the files XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
Delay of 30 days and Experian update information that id previously found inaccurate

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 2025-07-02 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-02 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: MD

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I reviewed my credit reports on XX/XX/year>, and discovered a collection account from MRS BPO LLC ( Account XXXX XXXX ) that I had never been notified about. I did not receive any written communication or validation notice from MRS BPO LLC prior to this debt being reported to XXXX XXXX XXXX XXXX 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ), a debt collector is required to send a written notice within five days of their first attempt to collect a debt. I never received such a notice or any opportunity to dispute or request validation before this account appeared on my credit reports.

This is a clear violation of the FDCPA, and the information should not have been reported without first notifying me and providing an opportunity for dispute. I have initiated a formal 609 validation request to MRS BPO LLC, which is currently in process and being sent via certified mail.

I am requesting a formal investigation into this account and ask that the credit reporting agencies and MRS BPO LLC be held accountable for failing to follow the law. This account was reported without due process and is negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because an account listed on my credit reports has been charged off but is still being reported with either a past due amount and/or increasing balance. This appears to be inaccurate and possibly misleading under the Fair Credit Reporting Act ( FCRA ). 

Details : Creditor Name- XXXX XXXX XXXX XXXX XXXX Date of Chrge off- Varies by Credit Bureau Reported Past Due Amount- {$4600.00} and {$4400.00} Reported Balance- {$4600.00} and {$4400.00} Concerns : 1. Once an account is charged off, it should not continue to reflect a past-due status on ANY credit report. This is misleading and may be considered double-reporting.

2. The balance has increased post-charge-off without a clear explanation or legal basis. If the account is no longer accruing interest or if it has been sold, the original creditor should not be increasing the balance.

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 2025-07-02 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: FL

Complaint narrative:
I am filing this complaint because an account listed on my credit reports has been charged off but is still being reported with either a past due amount and/or increasing balance. This appears to be inaccurate and possibly misleading under the Fair Credit Reporting Act ( FCRA ). 

Details : Creditor Name- XXXX XXXX XXXX XXXX XXXX Date of Chrge off- Varies by Credit Bureau Reported Past Due Amount- {$4600.00} and {$4400.00} Reported Balance- {$4600.00} and {$4400.00} Concerns : 1. Once an account is charged off, it should not continue to reflect a past-due status on ANY credit report. This is misleading and may be considered double-reporting.

2. The balance has increased post-charge-off without a clear explanation or legal basis. If the account is no longer accruing interest or if it has been sold, the original creditor should not be increasing the balance.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
My vehicle was totaled in XX/XX/XXXX. My auto insurance company, XXXX, paid the majority of the balance directly to Credit Acceptance. After that payment, I never received any notice of a remaining balance being owed or any attempts to set up a new payment plan with me. 

Despite that, Credit Acceptance has been reporting ongoing missed payments for over four years- even though I no longer possess the vehicle, never agreed to repay the remaining balance, and was never provided with any written agreement or terms for continued repayment. This reporting is inaccurate and misleading. 

I mailed a formal dispute to Experian on XX/XX/XXXX, requesting that they validate this debt by providing : 1. Proof that XXXX paid the balance after the total loss, 2. Documentation showing I agreed to any remaining balance repayment terms, and 3. A full payment history and valid contract authorizing the continued reporting. 

Experian was the first credit bureau to respond by stating the account " Remains '' without providing a single document to support the accuracy of Credit Acceptance 's reporting. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires any disputed information to be verified with proper documentation.

I am requesting removal of the account from my credit report due to Credit Acceptance 's failure to provide proper validation, the inaccurate reporting of missed payments, and continued damage to my credit for a vehicle I no longer possess and for which no formal repayment terms were ever established after the insurance settlement.

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 monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint against Experian, Equifax, and TransUnion for failing to remove accounts from my credit reports even though the creditors have confirmed they should be deleted.

I have documentation from the creditors clearly stating these accounts were to be removed. Despite this, all three credit reporting agencies continue to report them.

This is a direct violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( 15 U.S.C. 1681i ) Requires consumer reporting agencies to conduct a reasonable reinvestigation and delete or modify any information found to be inaccurate or unverifiable within 30 days.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) Requires furnishers ( the creditors ) to notify the agencies to delete or correct information after determining it's inaccurate. The credit bureaus are then required to update or delete it accordingly.

The creditors have fulfilled their obligation by confirming the accounts must be deleted. The credit bureaus have ignored this and continued reporting, causing harm to my credit standing.

I am requesting that the CFPB ensure these inaccurate accounts are permanently removed from my Experian, Equifax, and TransUnion credit reports immediately, and that they confirm the deletions in writing.

I have attached the creditor letters verifying the removal request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
I am filing a complaint against Experian, Equifax, and TransUnion for failing to remove accounts from my credit reports even though the creditors have confirmed they should be deleted.

I have documentation from the creditors clearly stating these accounts were to be removed. Despite this, all three credit reporting agencies continue to report them.

This is a direct violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( 15 U.S.C. 1681i ) Requires consumer reporting agencies to conduct a reasonable reinvestigation and delete or modify any information found to be inaccurate or unverifiable within 30 days.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) Requires furnishers ( the creditors ) to notify the agencies to delete or correct information after determining it's inaccurate. The credit bureaus are then required to update or delete it accordingly.

The creditors have fulfilled their obligation by confirming the accounts must be deleted. The credit bureaus have ignored this and continued reporting, causing harm to my credit standing.

I am requesting that the CFPB ensure these inaccurate accounts are permanently removed from my Experian, Equifax, and TransUnion credit reports immediately, and that they confirm the deletions in writing.

I have attached the creditor letters verifying the removal request.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
Requested personal data in particular tax return info from cash app. Because account suspended they have denied requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I spoke with someone about an online business educational program and agreed to pay for it. When I realized this was probably a scam I contacted them immediately and the alleged owner was in the background saying no way was that money ever going to be refunded. It was being financed via Affirm Inc and they refused to assist me in this process of refund. I told them I would not be paying this and to help they refused to help. So they wrote it off immediately and wanted me to pay it. Soo it continues to be documented as a write off and has not taken it off my 3 credit reports. Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
b'I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX  IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT VIOLATING FEDERAL LAW 15 USC1692 (c ) BY UNLAWFUL COMMUNICATION.  THE CREDIT BUREAUS AND COLLECTION COMPANY IS INACURATELY UPDATING ACCOUNTS MONTHLY THAT HAS BEEN DEEMED PROFIT LOSS FOR CREDITORS, AND REPORTED DIRECTLY TO THE IRS, AND HAS BEEN TAKEN OFF THEIR BOOK.  CREDITORS AND COLLECTION COMPANIES ARE IN VIOLATION OF FCRA 15USC1681S-2 AND 15USC168EB.\nI WERE ADVISED BY A REPRESENTATIVE ON 7/2/2025 THAT XXXX XXXX XXXX BOUGHT THE ACCOUNT FROM XXXXXXXX PURCHASED AN ACCOUNT FROM A CREDITOR WITHOUT CHAIN OF ASSIGNMENT NOR A CONTRACT, NOR ANY OF THE ABOVE REQUESTED TO SHOW PROOF.'

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 2025-07-02 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: GA

Complaint narrative:
b'I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX  IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT VIOLATING FEDERAL LAW 15 USC1692 (c ) BY UNLAWFUL COMMUNICATION.  THE CREDIT BUREAUS AND COLLECTION COMPANY IS INACURATELY UPDATING ACCOUNTS MONTHLY THAT HAS BEEN DEEMED PROFIT LOSS FOR CREDITORS, AND REPORTED DIRECTLY TO THE IRS, AND HAS BEEN TAKEN OFF THEIR BOOK.  CREDITORS AND COLLECTION COMPANIES ARE IN VIOLATION OF FCRA 15USC1681S-2 AND 15USC168EB.\nI WERE ADVISED BY A REPRESENTATIVE ON 7/2/2025 THAT XXXX XXXX XXXX BOUGHT THE ACCOUNT FROM XXXXXXXX PURCHASED AN ACCOUNT FROM A CREDITOR WITHOUT CHAIN OF ASSIGNMENT NOR A CONTRACT, NOR ANY OF THE ABOVE REQUESTED TO SHOW PROOF.'

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