vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: AZ

Complaint narrative:
I am writing to dispute the fraudulent and inaccurate information being reported in my credit file by Experian. Despite my repeated efforts to correct this matter, Experian continues to report an account that is the direct result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, you are required to conduct a proper reinvestigation and provide me with the procedures used to verify this account. If you can not verify it, you must immediately delete it from my file. 

Additionally, pursuant to XXXX U.S.C. XXXX, consumer reporting agencies must block all information resulting from identity theft once an FTC Identity XXXX Report has been submitted. I have filed such a report with the FTC ( Report # XXXX ), and this fraudulent account must therefore be permanently removed. 

The following item must be deleted from my file immediately : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$13000.00} Status : Closed / Collection / Chargeoff ( misreported ) High Balance ( Experian XXXX XXXX ) : {$39000.00} vs {$13000.00} ( clear contradiction ) Date of Last Activity : XX/XX/2023 ( Experian ) XXXX XX/XX/2023 ( XXXX  ) inconsistent reporting These contradictions, along with the FTC Identity Theft Report, prove that this account is fraudulent and unverifiable. Its continued reporting constitutes a violation of XXXX U.S.C. XXXX for furnishing inaccurate information, and a violation of my privacy rights under the Gramm-Leach-Bliley Act, 15 U.S.C. 6802. 

I demand that Experian : Immediately delete the XXXX XXXX XXXX account from my credit file. 

Provide written confirmation of this deletion. 

Supply me with an updated copy of my corrected credit report. 

Please respond within XXXX  days as required by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Then they won't let me take a lower advance amount either, I can only take {$50.00}!! They really want that $ XXXX how ever many dollars fees. Hassle after hassle, but cool its pick on me. Not to mention I took out money a couple days and added it to the card and they didn't take it for the advance then?? Hell I was more prepared to pay it off couple days ago then right now. But cool its pick on me, it's constantly charge me and block brands I'm trying to spend my money at. How come I can never take out just {$25.00} on my advance?? you guys consistently force me to take the {$50.00} option every time. I've tried multiple times to use the minus button to decrease the value but it never works & customer service never helps!! then you charge me a {$4.00} fee every time or force me to wait. But hey you guys are allowed to get away with deception!! Not to mention when you add money to the card they pick and choose when they want to repay the advance or not. '' This is what they do, try to get most money out of you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Debt Collectors Name LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXXXXXX XXXX XXXXXXXX XXXX : Request for Debt Validation To Whom It May Concern, I am writing in response to a call I received on XX/XX/year>, regarding an alleged debt. I am requesting that you provide validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A copy of the original contract or agreement bearing my signature, if applicable ; 4. Detailed account history, including the date and amount of all charges and payments ; 5. Proof that your agency is legally authorized to collect debts in my state.

Until you provide the information requested above, please cease all collection activities, including reporting this account to credit reporting agencies.

This letter is not an acknowledgment or acceptance of the debt and should not be construed as such. I am merely requesting validation of the alleged debt. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
Upon carefully reviewing my recent Consumer Report, I identified certain entries that indicate late payments on one of my accounts. I wish to dispute these entries, as I have consistently maintained on-time payments and have never failed to uphold my financial obligations with this account. 

Accurate reporting of consumer information is a vital responsibility of Consumer Reporting Agencies, and any errors can have a significant negative impact on an individuals credit profile and financial opportunities. Therefore, I request a thorough investigation into this matter to ensure that my record accurately reflects my payment history. 

The account in question is as follows : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX I respectfully request that you provide documentation or evidence, such as payment histories or account statements, that substantiate the claims of lateness. If you are unable to provide verifiable proof of these alleged late payments, I demand that the inaccurate entries be removed or corrected immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding an account they are reporting ( Acct # XXXX XXXX XXXX XXXX XXXX, balance {$11000.00}, opened XX/XX/XXXX, last reported XX/XX/XXXX, original creditor XXXX XXXX ). 

On XX/XX/XXXX, I appeared in court for case no. XXXX, in which XXXX XXXX attempted to sue me for {$6100.00}. The case was dismissed under XXXX rental protection laws in Florida. Despite this, XXXX XXXX later received government rental assistance from the XXXX of XXXX XXXX on XX/XX/XXXX in the amount of {$9900.00}, which more than covered the balance they originally sought. Along with them keeping my deposit of {$1500.00} I later vacated the property. Therefore, there is no valid basis for XXXX XXXX or XXXX XXXX to continue reporting this account as owed, especially in the inflated amount of {$11000.00}. The reporting is inaccurate, misleading, and harmful to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
am sending this letter to formally dispute several accounts related to billing errors that I identified on my credit report. After reviewing my file, I found information that does not accurately reflect my payment history. I am submitting this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which protects consumers against billing errors and provides the right to dispute and correct inaccurate information. I respectfully request a full and thorough reinvestigation of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX late XXXX  days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX late XXXX  days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late 90 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
am sending this letter to formally dispute several accounts related to billing errors that I identified on my credit report. After reviewing my file, I found information that does not accurately reflect my payment history. I am submitting this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which protects consumers against billing errors and provides the right to dispute and correct inaccurate information. I respectfully request a full and thorough reinvestigation of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX late XXXX  days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX late XXXX  days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late 90 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Subject : Request for Assistance in Removing Paid Debt from Credit Report Hello, I am requesting your assistance regarding a collection item from IC System that appears on my XXXX  credit report. I already paid this debt on XX/XX/year> using my XXXX  XXXX XXXX XXXX XXXX in the amount of {$150.00}. I have attached my XXXX  bank statement as proof of payment showing that the debt was paid in full. Despite this, the collection item remains on my XXXX report, and IC System has refused to remove it. 

I have disputed this item with XXXX, but they did nothing to remove it. This ongoing issue is causing harm, as my information continues to be shared with other creditors, potentially generating revenue for them while negatively impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 non-monetary relief
Consumer complaint received 2025-10-01 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:
My information was exposed to the data breach these inquires on my report do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: UT

Complaint narrative:
I am submitting this fourth follow-up regarding multiple items on my credit report that remain inaccurate, incomplete, or unauthorized despite prior disputes. 
XXXX XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balances {$7700.00}, {$1200.00}, {$11000.00} XXXX  XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX  XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} These accounts were reported without proper verification. Some were charged off without issuance of a 1099-C, despite balances exceeding {$600.00}. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These accounts clearly fail that standard. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX These inquiries were not authorized by me. They violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 619 15 U.S.C. 1681q, and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly regulate permissible access to consumer credit reports.

Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information I believe is inaccurate or unauthorized. The bureaus are required to conduct a reasonable reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Coinbase, Inc.
State: NY

Complaint narrative:
Joined coinbase back in 2020, had for a year had significant amount of money invested in crypto. I was locked out of my account and no matter how many times I contact and submit a ticket it never allows me to gain access into my coinbase account. U able to speak with a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I purchased tickets through XXXX for an event in Florida while traveling out of state. These tickets were purchased only a few hours before the scheduled XXXX. At the scheduled time of the event, however, the show was cancelled. 

Following the cancellation, I made multiple good-faith attempts to obtain a refund from both XXXX and Affirm, the loan provider used for the transaction. Despite the events cancellation, both companies have refused to provide any remedy or refund. XXXX has claimed that the event was rescheduled, yet this definition is misleading and inaccurate under the circumstances, as the tickets were expressly sold for the date and time of XX/XX/XXXX, XXXX p.m. At the time of purchase, no reasonable consumer would have understood or agreed that the tickets could be unilaterally reassigned to a different date. 
XXXX has further denied my refund request and insisted that I must resell the tickets in order to recover my funds. This requirement is unreasonable, particularly given that XXXX has previously been sued in California for employing these same unfair practices across other states. 

Affirm, the loan provider, has likewise refused to take action despite the fact that the underlying producttickets to a cancelled eventwas never delivered. 

Affirm has stated that I am still required to pay the loan, including interest, even though payments have not yet begun. This is an unjust and unlawful practice, as I am being compelled to pay for a digital product tied to a specific cancelled event. Affirm has refused to cancel the loan or seek repayment from the vendor on my behalf, effectively enabling XXXX unfair practices. 

Both XXXX and Affirm are in violation of basic consumer protection principles. A cancelled event constitutes a failure to provide the purchased product, thereby entitling the consumer to a full refund. Forcing the consumer to resell tickets for an event that was cancelled at XXXX is an unfair and deceptive business practice. Likewise, requiring repayment for a loan tied to an undelivered product constitutes an unlawful attempt to enforce a contract without consideration. 

In summary, I purchased a valid product for a specific date and time. The product was cancelled, and both XXXX and Affirm have failed to provide any remedy, refund, or cancellation of the associated financial obligation. Their actions represent unfair, deceptive, and unlawful practices in violation of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
Dear XXXX  and XXXX XXXX XXXX, I am writing to dispute inaccurate information currently appearing on my XXXX credit report. The account in question is an auto loan reported by XXXX XXXX XXXX XXXX This account is being reported incorrectly as open/active. However, it has been closed with a {$0.00} balance. Please see the attached documentation : Copy of my signed cancellation request form submitted to XXXX XXXX XXXX. 
Copy of loan history/screenshot from XXXX XXXX XXXX representative showing the account balance as {$0.00} and marked closed. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be corrected to reflect the accurate status of Closed Paid in Full / {$0.00} balance. 

Please investigate this matter and update my credit file accordingly. I request written confirmation once the corrections have been made. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
Dear Experian and XXXX XXXX XXXX, I am writing to dispute inaccurate information currently appearing on my Experian credit report. The account in question is an auto loan reported by XXXX XXXX XXXX XXXX This account is being reported incorrectly as open/active. However, it has been closed with a {$0.00} balance. Please see the attached documentation : Copy of my signed cancellation request form submitted to XXXX XXXX XXXX. 
Copy of loan history/screenshot from XXXX XXXX XXXX representative showing the account balance as {$0.00} and marked closed. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be corrected to reflect the accurate status of Closed Paid in Full / {$0.00} balance. 

Please investigate this matter and update my credit file accordingly. I request written confirmation once the corrections have been made. 

Thank you for your prompt attention to this matter.

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