vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
I am being pursued for a rental debt that I do not legally owe. I was listed as the tenant on the lease for an apartment that later resulted in an eviction. However, the court did not enter a money judgment against meonly a judgment for possession. 

Despite that, the debt collector ( XXXX XXXX XXXX  ) is attempting to collect over {$13000.00} and has reported this debt to the credit bureaus. I disputed the debt and requested full validation, including : A copy of the lease agreement, An itemized breakdown of the charges claimed, Proof of a money judgment, And documentation proving I was lawfully served. 

None of this has been provided. 

The official Return of Service shows that service was only attempted, not completed. Yet the Final Judgment states that I was physically served, which is inaccurate. Because I was never properly served, I had no opportunity to respond to the case or challenge the amount being claimed.

This collection activity lacks legal standing and may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I mailed formal dispute letters via certified mail on XXXX XXXX XXXX As of the time of this filing, the collection agency has not yet had the opportunity to respond, but the dispute process is already underway. 

Ive also disputed this with the credit bureaus and sent certified letters to the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There is a XXXX XXXX account that is reflecting I am an authorized user on my experian credit report. I was an authorized user nearly over a year ago. It is reflecting I am still an authorized user since XX/XX/year>, which is inaccurate. It also has a balance of {$2200.00}. The main account holder is XXXX XXXX, my mother. I have not been on this account as an authorized user for a significant period of time. This needs to be removed and experian is refusing to remove it. I have also confirmed with credit first that I am not listed as an authorized user. 

They are also reflecting an incorrect balance for my XXXX account. I owe {$3300.00} but they are reflecting over {$6000.00} is owed.

I have verified with the two credit companies that they have submitted accurate reporting to all three credit bureaus. XXXX XXXX and XXXX  are appropriately reporting accurately, Experian is not! 

Please help! 

Experian continues to solicit products which I refuse to partake in such as credit boosters and other services. I am concerned they are trying to strong arm me into purchasing a product in order to fix the inaccuracies in my account that they are purposely creating.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon a detailed review of my credit history, I have identified a number of hard inquiries that I did not authorize. I have not recently applied for any financial products or services that would justify these entries.

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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: PA

Complaint narrative:
Whom It May Concern, Thank you for your response dated XX/XX/year>, regarding the Upgrade account and the subsequent transfer to XXXX XXXX, XXXX. While I acknowledge your review and the corrections submitted to the credit reporting agencies on XX/XX/year> ( XXXX  control number XXXX ), I would like to formally address the following ongoing concerns : 1. Reporting Inaccuracies & Incomplete Investigation You acknowledged discrepancies in your original reporting, which confirms that inaccurate information was previously furnished to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), furnishers are obligated to ensure the accuracy and completeness of information they report. Submitting incorrect information is a violation of 15 U.S.C. 1681s-2 ( a ), and it raises serious concerns about your internal procedures for data integrity. 
XXXX. Lack of Validation & Contractual Evidence While you reference my Credit Line Agreement, no signed copy or documentation bearing my name and signature has been provided to substantiate the alleged obligation or delinquency. Merely referencing a general clause in your agreement does not constitute full validation of the debt as required under federal consumer protection laws.

3. Charge-Off and Account Sale Reporting You state there is no basis to remove late payment remarks or the charge-off. However, once the account was sold to a third party ( XXXX XXXX XXXX ), Upgrade no longer holds a permissible purpose to continue furnishing updates to the account unless clearly marked as sold/transferred/closed. I request confirmation that your reporting now reflects the sale status and a {$0.00} balance, as required under credit reporting standards. 
XXXX. Failure to Address Dispute Thoroughly Your response fails to directly address the substance of my dispute, instead relying on generic statements of policy. As a consumer, I have the right under FCRA 1681i to a meaningful investigation. A proper reinvestigation requires review of the documentation upon which your reporting is based which has not been provided. 



Requested Actions : Provide a copy of the original signed agreement or application showing I consented to the terms and incurred the debt. 
Confirm in writing that the account balance with Upgrade has been updated to {$0.00} and marked sold/closed/transferred with the appropriate status and remarks. 
Provide a copy of the corrected tradeline as reported to the credit bureaus, including a breakdown of the updated items. 
Remove any inaccurate or unverifiable derogatory information from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ).

If Upgrade fails to fully and lawfully validate the reporting or does not take action to correct unverifiable or inaccurate data, I reserve the right to escalate this matter to the appropriate regulatory bodies or pursue legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
The company continues to report to the credit bureau of non payment, in which my scores have dropped tremendously from XXXX to XXXX. My understanding was I was applying for a {$500.00} credit card, but instead I have to pay into the {$500.00} before I can receive it. This is not what I was applying for. To me it was misrepresentation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

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 2025-07-21 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, AL XXXX, AL, XXXX XXXX XXXX : Unauthorized Account Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : stop collection proceedings against me, and send me copies of documents relating to this debt I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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. 

DEPTEDXXXX XXXX XXXXXXXX XX/XX/year> -- {$0.00} DEPTEDXXXXXXXX XXXX XXXXXXXX XX/XX/year> -- {$0.00} DEPTEDXXXX XXXX XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I recently identified an account on my credit report that I do not recognize. I have never authorized or opened such an account, and I believe it may be the result of identity theft.

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 2025-07-21 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: WA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I opened the app ( XX/XX/XXXX ) because years ago ( XXXX ) I had put money in it and I wanted to delete the app. I tried to transfer money out but coinbase only let me transfer a little bit out so I wasnt able to delete it. A big blue box on screen asked if I wanted to sign up for coinbase premium and protections and I clicked the small X, I tried to transfer out again, I left. I did not receive any emails charges to my credit card, nothing. I attempted to unlink from my personal info.

Today, I noticed the app icon and opened coinbase and I noticed they had this banner coinbase one and they have been charging me {$30.00} a month!!!! For no services and no goods, I have had the pleasure of loosing hundreds of dollars to this fraudulent company. I tried to speak to customer service for two hours, they offered me 1 month back and nothing else ( despite their promise of {$10000.00} of insurance ha! ), and the person kept changing. I never signed up for this and I am worried I may have to completely change all my financials because several people online have said that without 2fa on anyone at the company has access to make whatever transactions they want with your account, which I believe happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
I think i got scammed for a XXXX advertising website for paid commission on orders, and they took advantage of a larger amount because of my mental health as to my dog passing away recently. XX/XX/year> for {$200.00} on XXXX app. XX/XX/year> for {$100.00} on XXXX  app and XX/XX/year> for {$2000.00} on XXXX app. My mind finally clicked when asks by that person to take out a loan to complete a lucky order to receive 30 % and a {$3000.00} watch after getting a balance of {$21000.00} to complete the order. Before that everything seemed legit, as the person help me transfer money to an account overseas, and then i recieved it in my XXXX account after and also receiving {$3000.00} from that person into my account from an picture invoice send to the same bank account through customer service confirmation via picture of transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: OH

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 USC 1681.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2025-07-21 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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 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

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 2025-07-21 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: NJ

Complaint narrative:
This inaccurate reporting has been verified through my breach documentation, yet the credit reporting agencies have failed to correct these errors. This is significantly harming my credit score and affecting my ability to secure housing, transportation, and business growth opportunities.

I am requesting immediate removal of all disputed items in accordance with the Fair Credit Reporting Act ( FCRA ) and based on the evidence I have provided.

Please take prompt action on 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 2025-07-21 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: AZ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-21 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-07-21 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 deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief