vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I XXXX XXXX, XXXX, am submitting this complaint because a negative item Digital fed credit uni Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has remained on my credit report beyond the XXXX limit, which violates the Fair Credit Reporting Act. I have disputed this item with the [ credit bureau ( s ) ], but they have not removed it. The date of first delinquency was [ XXXX ], and it was posted on my report on [ XXXX ]. Attached are my credit reports and correspondence showing my efforts to resolve this. I request the CFPBs help in enforcing the removal of this outdated negative item. ''

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing multiple inaccurate personal identifiers being reported on my credit file. These include multiple outdated or incorrect addresses, several old phone numbers, ( I do not have a current number ) employers I no longer work for XXXX, multiple names ( XXXX XXXX XXXX ) and one incorrect Social Security number. Ending in XXXX I previously attempted to dispute these directly with Experian, Equifax, and TransUnion but they came back verified without providing any documentation or proper reinvestigation, which violates the Fair Credit Reporting Act ( FCRA ), including 602 ( a ), 607 ( b ), and 609 ( c ). I believe the verification was automated and did not involve a meaningful review. 

These inaccurate personal details do not belong on my file, and theyre contributing to account confusion, possible mixed file risks, and misreporting of credit activity. I am requesting a full removal of all obsolete, incorrect, or unverifiable personal information. 

I have attached a copy of my valid government-issued ID and proof of my current address. Please have this matter escalated to compliance and fully resolved according to 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 non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing multiple inaccurate personal identifiers being reported on my credit file. These include multiple outdated or incorrect addresses, several old phone numbers, ( I do not have a current number ) employers I no longer work for XXXX, multiple names ( XXXX XXXX XXXX ) and one incorrect Social Security number. Ending in XXXX I previously attempted to dispute these directly with Experian, Equifax, and TransUnion but they came back verified without providing any documentation or proper reinvestigation, which violates the Fair Credit Reporting Act ( FCRA ), including 602 ( a ), 607 ( b ), and 609 ( c ). I believe the verification was automated and did not involve a meaningful review. 

These inaccurate personal details do not belong on my file, and theyre contributing to account confusion, possible mixed file risks, and misreporting of credit activity. I am requesting a full removal of all obsolete, incorrect, or unverifiable personal information. 

I have attached a copy of my valid government-issued ID and proof of my current address. Please have this matter escalated to compliance and fully resolved according to federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has never been late on payments. i've attached a copy of my report to this complaint on the following dates XX/XX/year>. I demand this payments be updated to paid on time immediately. You can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to PAID NEVER LATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
Last 4 SSN : XXXX To Whom It May Concern : I am writing this letter to dispute the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX This agency is in violation of 15 USC 1692g . They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. 2. 3. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I financed a XXXX XXXX XXXX a year ago from Badcock Furniture and More. The initial amount owed was {$2300.00}. I paid the balance down to {$700.00}. I was told I had 12 months no interest but knew nothing about the time limit. I logged on my account on regular basis and there was no indication on the account this was a factor. In addition, I can not track any activity on the account and Badcock has now gone out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
i've recently received a copy of my credit report notice several inaccuracies and unauthorized accounts information reporting to my credit report. these remarks have been detrimental to my life health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
Please assist me! I have contacted Equifax credit reporting agency in regards to the underlying accounts .. I have sent supporting documents to support my issue. However, Equifax continues to violate the Fair Credit Reporting Act USC 1681, complete accuracy procedure. On several occasions I have contacted Equifax via postal mail disputing the underlying accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have provided supporting documents to correct or delete these accounts.Equifax have not address my issue .. Also, whenever I call Equifax I get transfered to a department call Tier 3 department, they never pick up the phone .. I need CFPB to help me with this issue.. I file dispute several times with Equifax and provided supporting documents to have the aforementioned accounts removed from my credit file.I have been able to obtain credit to start a business and buy a new home for my family.. Please assist me in this matter..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: Incomm Holdings Inc.
State: PA

Complaint narrative:
I called repeatedly complaining that the card was not working, and they offer no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I previously disputed this account with the credit bureau, but they failed to correct the inaccurate reporting. The account was paid/closed and is still showing a charge-off or late payment, even though I never used the card or missed a payment. This is negatively affecting my ability to qualify for housing. Im requesting a proper reinvestigation and removal if the account can not be verified with accurate information per the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
On XXXX XXXX I requested that I an assignment contract, validation letter, written consent and my signature. Yet I did not receive anything from Equifax, but a straight DENIAL OF MY REQUEST. How can anything be verified in 3 days.

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 2025-07-12 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: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

XXXX XXXX XXXX is reporting a collection account in the amount of {$260.00} allegedly owed to XXXX XXXX XXXX XXXX. I disputed this item with both Experian and XXXX. Both credit bureaus responded stating the account was updated, which I interpret as verified. However, XXXX has never provided any documentation validating the debt, nor proof of legal assignment, ownership, or a contract. 

These actions violate their statutory responsibilities to conduct a reasonable investigation, review all relevant dispute information, and correct or remove unverifiable data. As a result, inaccurate and unverifiable information continues to damage my credit and hinder my access to financial opportunities. 
I have attached a Notice of Intent to XXXX that outlines my claims and gives XXXX 15 days to resolve this issue before I file a federal complaint. 

I am requesting either : Full deletion of the XXXX  tradeline from all consumer reporting agencies, AND A settlement offer in exchange for resolution if validation can not be provided. 


XXXX XXXX XXXX has failed to meet its legal obligations under the FCRA and FDCPA, and I request that the CFPB investigate this matter and ensure proper 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 2025-07-12 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: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

XXXX XXXX XXXX is reporting a collection account in the amount of {$260.00} allegedly owed to XXXX XXXX XXXX XXXX. I disputed this item with both XXXX  and TransUnion. Both credit bureaus responded stating the account was updated, which I interpret as verified. However, XXXX has never provided any documentation validating the debt, nor proof of legal assignment, ownership, or a contract. 

These actions violate their statutory responsibilities to conduct a reasonable investigation, review all relevant dispute information, and correct or remove unverifiable data. As a result, inaccurate and unverifiable information continues to damage my credit and hinder my access to financial opportunities. 
I have attached a Notice of Intent to XXXX that outlines my claims and gives XXXX 15 days to resolve this issue before I file a federal complaint. 

I am requesting either : Full deletion of the XXXX  tradeline from all consumer reporting agencies, AND A settlement offer in exchange for resolution if validation can not be provided. 


XXXX XXXX XXXX has failed to meet its legal obligations under the FCRA and FDCPA, and I request that the CFPB investigate this matter and ensure proper 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 2025-07-12 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Statement : I am reporting a case of identity theft involving a fraudulent XXXX XXXX account that was opened without my knowledge or consent. 
The account was opened under my name and Social Security number. 
I did not authorize this account. 
I discovered it while reviewing my credit report on Equifax. 
The account is listed as a collection with a balance of {$4700.00}. 

This report is being filed to document the theft and to support the removal of this fraudulent account from my credit reports with Equifax, Experian, and TransUnion. 


RE : IDENTITY THEFT REMOVE FRAUDULENT ACCOUNT IMMEDIATELY * XXXX XXXX Account Ending in XXXX Balance : {$4700.00} Dear TransUnion, I am the victim of identity theft and am formally disputing the presence of a fraudulent XXXX XXXX account on my credit report. This account was not opened by me, and I am not responsible for it in any capacity. 

Please conduct a full reinvestigation and remove this account immediately under the FCRA and FACTA Identity Theft protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
Inaccurate Credit Reporting : Experian shows XXXX open accounts and {$0.00} balances, while XXXX XXXX XXXX show XXXX open accounts and over {$270000.00} in balances, which is inconsistent and incorrect. 

Several tradelines ( e.g., XXXX student loans ) display different balances and account numbers across bureaus. 

XXXX XXXX XXXX XXXX XXXX accounts were charged off and appear on XXXX  only, not on XXXX  or Experian. 

Negative Accounts Reported ( XXXX  ) : XXXX XXXX XXXX XXXX | {$25000.00} | Charged off / Collection Opened : XX/XX/XXXX | Last Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX | {$1100.00} | Charged off / Collection Opened : XX/XX/XXXX | Last Updated : XX/XX/XXXX XXXX XXXX  | {$12000.00} | Charged off / Collection Opened : XX/XX/XXXX | Last Updated : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) | {$10000.00} | Collection / Debt Buyer Opened : XX/XX/XXXX | Last Updated : XX/XX/XXXX Negative Account : XXXX XXXX XXXX XXXX : {$10000.00} Status : Collection / Debt Buyer Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Issue : This account references XXXX as the original creditor, yet XXXX does not appear anywhere on my credit report, meaning the origin of this debt is unverifiable and potentially fabricated or misattributed. This violates FCRA requirements for furnishers and CRAs to report only verified, accurate information. 

Invalid Hard Inquiries ( XXXX  ) : Multiple inquiries from XXXX linked to the above accounts, including : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These are associated with disputed or unverifiable accounts and should be removed under FCRA 1681b . 

Outdated Criminal Records ( Experian ) : Experian is reporting XXXX public records found on XX/XX/XXXX, well beyond the XXXX legal reporting limit : Offense Date : XX/XX/XXXX | Disposition Date : XX/XX/XXXX Offense Date : XX/XX/XXXX | Disposition Date : XX/XX/XXXX These are obsolete per FCRA 1681c ( a ) ( 5 ) and should be removed.

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XXXX got an txt message from XXXX XXXX XXXX XXXX  from imessage at XXXX XXXX readinXXXXYour Coinbase withdrawal code is: XXXX. Please don not share this code with anyone. If you have not requested this, please call: XXXX XXXX XXXX XXXX" i contacted them and they immediately tried to get information out of me i sent them to a an alternate email and they tried to get all my password and login information.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc.
State: AL

Complaint narrative:
I looked at my credit report and do not recognize this account at all. Self Lender is not in Alabama

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
After reviewing my Experian credit report, I noticed inaccurate addresses on my Experian report. I disputed the addresses and Experian suggested that I directly contacted each company. I contacted each company as directed ; The companies stated that they do not have an active account on me, my account is nonexistence, and they do not report such accounts or closed accounts to the credit agency after they are closed. The companies suggested that I reach back out to Experian to resolve the matter. Experian did not conduct a proper investigation ; is they had, they would have received the same information that I have and could easily verify those inaccurate addresses.

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 2025-07-12 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: NJ

Complaint narrative:
Hard inquiries not recognized by me : XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XXXX XXXXXXXX - XX/XX/XXXX ( TransUnion ), XXXX XXXX XXXX - XX/XX/XXXX ( TransUnion ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ).

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sent a XXXX XXXX XXXXXXXX transfer of XXXX on XX/XX/XXXX to my XXXX XXXX  and still have not received funds and received misleading information. I have the proof of the transaction if you need. And I also have the email chains from the company.

Company response to consumer: Closed with explanation