vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was never evicted I have no information in regards to this the property that they said I was evicted at doesnt match where I have proof of address as to where I was staying in 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 2025-10-23 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: PA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2025-10-23 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
There has been unauthorized access to my credit report by multiple companies, which has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, as the inquiries still remain.

This continued inaction is unacceptable. The presence of these unauthorized and potentially fraudulent entries raises serious concerns of possible identity theft and is causing ongoing emotional and financial distress.

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 2025-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Department Subject : Second Notice Failure to Correct Inaccurate Tradeline ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case No XXXX ) Dear Sir or Madam, This is a formal follow-up disputing the above tradeline. Court records from XXXX XXXX XXXX XXXX confirm there is no monetary judgment in this case. Your prior response claiming the account was verified is inaccurate and constitutes willful non-compliance with the Fair Credit Reporting Act ( 15 USC 1681i and 1681n ). 

XXXX XXXX, National Credit Systems Inc, and attorney XXXX XXXX XXXX XXXX have engaged in fraudulent and misleading reporting. The courts XXXX judgment form shows a XXXX-dollar judgment and only a XXXXdollar writ fee. The docket confirms a clerks default, not a money judgment. The landlord also received XXXX through the California XXXX XXXX XXXX program covering all rent obligations. 

Because no valid debt exists, continued publication of this tradeline is defamation per se and a reckless violation of federal and state consumer laws. If this inaccurate information is not deleted within 15 days of receipt of this letter, I will file complaints with the CFPB, FTC, and California Attorney General and pursue civil damages under the FCRA, FDCPA, and Rosenthal Act. 

Legal References : Fair Credit Reporting Act : 15 USC 1681i, 1681s2, 1681n, 1681o Fair Debt Collection Practices Act : 15 USC 1692e, 1692f, 1692g Rosenthal Fair Debt Collection Practices Act : Cal Civ Code 1788-1788.33 California Penal Code : 484, 532, 118, 132 Code of Civil Procedure : 473d, 585 Business and Professions Code : 17200 ( Unfair Competition Law ) Requested Relief : Delete the false tradeline entirely. 

Provide written confirmation and an updated credit report. 

Attachments : Court Judgment ( XXXX ) Case Docket Summary Proof of XXXX XXXX XXXX  Payment Copy of Identification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
I am contacting due to not yet receiving my {$50.00} in XXXX after signing up for the Account Opening Promotion incentive. 

I am specifically referring to the {$50.00} XXXX account opening promotion, which provided {$50.00} XXXX when first opening my account. 

The promotion has since ended, however attached is the landing page for the promotion, advertised as a Welcome Bonus https : XXXX I have attempted to reach out to customer email support multiple times, but each response gets ignored. Even after submitting screenshot documentation Can I please get an update on when to expect to receive this {$50.00} XXXX. Thank you Account email 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 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I can not access my coinbase account and I am missing funds for no reason with not accountability from COINBASE. i WANT TO KNOW WHERE IS MY {$120.00} IN XXXX FOR XX/XX/year>. THE FUNDS WHERE NEVER PLACE BACK ON MY WALLET WITH COINBASE.COM. WALLET XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-10-23 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
I previously settled this charge-off account in full, and the balance should reflect {$0.00}. However, the creditor is still reporting an outstanding balance on my credit report. I no longer have the payment receipt, but the company has already been paid and should be able to verify the transaction internally. I am requesting that this account be updated to show a {$0.00} balance and marked as Paid Charge-Off or deleted if the company can not verify the balance. The current reporting is inaccurate and damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-23 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate information that is harming my credit and causing ongoing financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: MT

Complaint narrative:
XXXX XXXX XXXX  called me I requested information they told me they didnt have to validate. It has been already verified in dispute I placed because my address matched. I disagreed. I requested debt validation not verification of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flexible Finance, Inc.
State: GA

Complaint narrative:
I am disputing an alleged {$600.00} balance that Flexible Finance XXXX XXXX XXXX ( Flex ) has associated incorrectly with my current address, The XXXX at XXXX. The balance originated at my previous address, XXXX XXXX, due to XXXX XXXX  failing to update their ledger after my move-out. 

I fulfilled my lease at XXXX XXXX  and received a written proration for XX/XX/XXXX of {$630.00} plus utilities. However, due to a ledger/API error, Flex paid {$1400.00} to XXXX XXXX  XXXX I personally paid Flex {$840.00}, which exceeds the prorated amount owed. 

Flex confirmed in writing that XXXX XXXX  is holding those funds due to property-side ledger/API transmission failure ( Exhibit B ). Flex escalated this to XXXX XXXX XXXX  repeatedly while CCing me. XXXX XXXX  ignored all escalation attempts and never corrected their ledger or issued a refund. 

Because XXXX XXXX  failed to update their ledger, Flex blocked me from updating my address in their portal when I moved to The XXXX at XXXX on XX/XX/XXXX. As a result of this failure, the alleged balance is incorrectly attached to my new property. 

Flex then issued a debt validation response referencing The XXXX at XXXX as the creditor/property. This misidentifies the origin of the alleged balance and violates FDCPA 1692e ( 2 ) ( A ). Flex also failed to provide any documentation validating the debt under FDCPA 1692g ( b ). 

I requested a refund/correction of the overpayment, but XXXX XXXX never processed it despite Flex sending multiple emails. 

I am attaching my new lease at The XXXX at XXXX to demonstrate I just moved in and could not have owed a prior balance there. 

I am requesting that the CFPB : 1. Require FlexXXXX XXXX  to correct the ledger 2. Provide written confirmation of a {$0.00} balance 3. Cease collection activity 4. Ensure no credit bureau reporting occurs 5. Require refund of any overpayment held by XXXX XXXX  This alleged debt is the result of a property-side ledger/API failure and XXXX XXXX  refusal to correct their system, not consumer non-payment. I made repeated good-faith efforts to resolve this for months, and both Flex and I were ignored. 

Exhibits attached : Written proration notice from XXXX XXXX  Flex email admitting API/ledger misbilling Screenshots of ignored escalation emails Debt validation letter referencing the WRONG property Screenshot showing XXXX overpayment amounts New lease showing recent move-in date Thank you for investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-10-23 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: FL

Complaint narrative:
I am filing a complaint against Equifax for inaccurately reporting my XXXX XXXX credit card account ( ending in XXXX ) as having XXXXhree 30-day late payments. This information is entirely false. 

This account has never been paid late. It has always been maintained in good standing and paid on time. Equifaxs reporting of these alleged late payments is both inaccurate and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the maximum possible accuracy of the information it reports.

Company response to consumer: Closed with non-monetary relief