vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a certified written dispute to XXXX on XX/XX/year>, requesting proper validation and investigation of an account they are collecting on behalf of XXXXXXXX XXXX USPS tracking confirms it was delivered. 



Despite receiving my dispute, XXXX never responded with any validation, yet they continued contacting me and trying to collect on the debt. This violates both : FCRA 623 ( a ) ( 8 ) Failure to respond to a direct dispute FDCPA 809 ( b ) Failure to validate the debt upon written request Additionally, I received continued collection emails and settlement offers during this period, proving they ignored the dispute and continued activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Inflection.com, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX was rejected off XXXX site due to criminal history that was reported by Inflection. On XX/XX/XXXX, I sent submitted a dispute with Inflection and sent them a copy of an official court document that showed the criminal history in question had been vacated. On the same date, Inflection notified me that they had updated the background check history to show accurate information. 

I was able to reopen my XXXX account. 

Fast forward to XX/XX/XXXX, and my XXXX is closed again, for the same reason. When I go to check the background information on Inflections website, it has been reverted back to not showing the vacated ruling. 

I believe this is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NE

Complaint narrative:
With Student Loans through MOHELA and on SAVE forbearance, interest has been shown as accruing on my account. I want to pay off my student loans but am unable to know exactly how much to pay as interest has been shown as accumulating when over the phone they said they would fix this problem ( contacted them over 1 month ago ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
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: NC

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXX Washington XXXX DC XXXX RE : Formal Complaint - Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting this formal complaint regarding several unresolved and inaccurate items on my credit reports maintained by TransUnion, Experian, and Equifax. Despite my repeated attempts to dispute and request verification directly with the credit bureaus, these accounts continue to report false, outdated, or unverifiable information, which is harming my creditworthiness.

The items in question are as follows : - Unverified charge-off from XXXX XXXX still reporting with a {$3300.00} balance.

- SST/Medallion account incorrectly showing {$34000.00} as past due. 

- XXXXXXXX XXXX XXXX XXXX showing charge-off as 'Current " despite settlement for less than owed. 

- XXXX XXXX XXXX collection account not validated after multiple dispute attempts. 

- Hard inquiries from XXXX Credit, XXXX XXXX, and XXXX XXXX that were never authorized. 

- XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX accounts showing inconsistent or incomplete reporting across the bureaus. 

These issues violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S. Code 1681i- Failure to investigate disputed information within 30 days -15 U.S. Code 1681s- 2 Furnishers of information failing to report accurately.

- 15 U.S. Code 1681e ( b ) - Failure to maintain maximum possible accuracy.

I am requesting the CFPB to initiate an investigation into these matters and take any appropriate enforcement actions against the responsible credit bureaus and data furnishers. Or delete this information from my credit report.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXX Washington XXXX DC XXXX RE : Formal Complaint - Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting this formal complaint regarding several unresolved and inaccurate items on my credit reports maintained by TransUnion, Experian, and Equifax. Despite my repeated attempts to dispute and request verification directly with the credit bureaus, these accounts continue to report false, outdated, or unverifiable information, which is harming my creditworthiness.

The items in question are as follows : - Unverified charge-off from XXXX XXXX still reporting with a {$3300.00} balance.

- SST/Medallion account incorrectly showing {$34000.00} as past due. 

- XXXXXXXX XXXX XXXX XXXX showing charge-off as 'Current " despite settlement for less than owed. 

- XXXX XXXX XXXX collection account not validated after multiple dispute attempts. 

- Hard inquiries from XXXX Credit, XXXX XXXX, and XXXX XXXX that were never authorized. 

- XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX accounts showing inconsistent or incomplete reporting across the bureaus. 

These issues violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S. Code 1681i- Failure to investigate disputed information within 30 days -15 U.S. Code 1681s- 2 Furnishers of information failing to report accurately.

- 15 U.S. Code 1681e ( b ) - Failure to maintain maximum possible accuracy.

I am requesting the CFPB to initiate an investigation into these matters and take any appropriate enforcement actions against the responsible credit bureaus and data furnishers. Or delete this information from my credit report.

Thank you for your time and 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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Credit Collection Services failed to provide me notice of alleged debt and right to dispute. Under 15 U.S. Code 1692g ( a ), you are required to send a written notice within five days of initial communication stating : The amount of the debt The name of the creditor That the consumer has 30 days to dispute the validity of the debt To date, I have not received this required notice, nor have I been afforded the 30-day window to dispute the debt prior to the collection account appearing on my Experian consumer report. This constitutes a violation of 15 U.S.C. 1692g ( a ).

Furthermore 15 U.S.C. 1692g ( b ), I am entitled to 1. Proof of the Original Debt A copy of the original agreement or contract that created the alleged debt, including any purchase agreement or signed contract showing my liability for this debt.

2. Complete Accounting Records A full, itemized statement of the account from inception to present, showing : All payments made Interest accrued Fees and penalties charged The total alleged balance This is necessary under FDCPA provisions for meaningful debt verification and review.

3. Chain of Ownership of the Debt Documentation identifying the complete chain of custody/assignment of this debt, from the original creditor to your agency.

Include the dates of each transfer or sale, along with the names of all prior owners.

4. Proof of Your Legal Authority to Collect This Debt in Virginia A copy of your current license or bond authorizing your company to operate as a debt collector in the State of Virginia.

If you are not licensed, please state your exemption and the relevant statute under Virginia law.

5. Specifics of the Amount Claimed A clear breakdown of the amount you allege I owe, including : Principal Interest Collection fees Other charges or penalties I have not been afforded the legal rights above due to Credit Collection Services negligence to be in compliance with 15 U.S. Code 1692g ( a ) and notify of me of the debt, giving me opportunity to dispute and receive this information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TN

Complaint narrative:
Subject : Dispute of Charges After Move-Out Date Apartment XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Customer Support , Attached is the lease agreement for my residence at Apartment XXXX, XXXX XXXX XXXX XXXX XXXX. I notified XXXX when I initially set up the account, and again in XXXX and XX/XX/year>, that I would no longer require electricity service after XX/XX/year>, as I would no longer be residing at the property beyond that date. 

Any electricity charges incurred after XX/XX/year>, are not my responsibility, as I had vacated the premises. This appears to be a case of the apartment not being returned to the management company 's control as of XX/XX/year>, which should have been reflected in XXXX records. 

The full lease agreement, already provided to your team, clearly supports my move-out date. 

In addition, I am requesting a detailed explanation of how it has been determinedby your team or the collection agency now involvedthat I could be held liable for electric service charges incurred after I no longer resided at the property. Please provide a breakdown of the basis for this claim, including the timeline and any supporting assumptions or documentation used. 

Please adjust the account to reflect the correct move-out date and remove any charges billed after my departure. I am happy to provide any additional documentation, should it be required. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The collection agency reached out with a short letter providing no details about the collection other than my ability to dispute the collection. I disputed the collection and was only returned an irrelevant bill with no additional details. I sent a letter to the collection agency asking for details and explaining that this was not my debt. I only got back a short letter stating it was confirmed to be mine. No details about how they came to this conclusion. 

I have submitted multiple disputes via the XXXX credit bureaus to only get an incorrect status update to the account by the collection agency. The letter above and the attached image of my lease agreement were sent to the collection agency via the online dispute portals at the XXXX bureaus. I have not received any additional information as requested by the collection agency. They have only added additional bureaus they are reporting the collection to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/year>, I initiated a withdrawal from the XXXX XXXX to my Coinbase account. However, I am currently unable to access my funds on Coinbase due to a platform error related to the Tax ID verification process.

When I try to log in, Coinbase redirects me to the following page : https : //www.coinbase.com/setupXXXX, where an incorrect Tax ID is pre-filled. The page does not allow me to update or correct the number, and I am therefore completely locked out of my account and unable to access the {$3000.00} that were transferred.

I have contacted Coinbase support multiple times through live chat and emails. Each time, I receive the same generic response stating that a " specialized team is working on it '', without providing any concrete updates or resolutions. Despite opening several support cases, the issue remains unresolved for nearly a month now. 

Case Numbers : # XXXX ( Closed unresolved ) # XXXX ( Closed unresolved ) # XXXX ( Closed unresolved ) # XXXX ( Closed unresolved ) # XXXX ( Still open no progress ) This situation is causing me significant financial hardship and emotional stress. I am requesting that Coinbase immediately corrects the Tax ID error, grants me full access to my account, and releases my funds.

Thank you for your attention.

Company response to consumer: Closed with monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XX/XX/XXXX, a collection account was opened by XXXX Credit Bureau, listing the original creditor as XXXX XXXX XXXX XXXX The reported balance is {$2300.00} and the high credit is {$2300.00}. This account appears across all three credit bureaus and is marked as seriously past due, in collections, and unpaid. 

On or around XX/XX/XXXX, a payment was reportedly made on the account, yet the balance remains unchanged and continues to report as unpaid. There are inconsistencies in how this account is reported between TransUnion, Experian, and Equifax including differing payment statuses and reporting dates ( e.g., last reported dates vary between XXXX and XX/XX/XXXX ). Additionally, the account is being reported as both an open account and a collection, which is contradictory and may be misleading.

I disputed this account with the credit reporting agencies, requesting validation of the debt and verification of the accuracy of the reporting. I have not received sufficient documentation confirming that the debt is valid, nor a proper reinvestigation response from the furnisher.

Under the Fair Credit Reporting Act ( FCRA ), data furnishers are required to report accurate and verifiable information and to respond to disputes in a timely and complete manner. Specifically : FCRA 1681s-2 ( b ) requires the furnisher to investigate disputes and correct any inaccurate or unverifiable information.

FCRA 1681e ( b ) mandates that furnishers maintain maximum possible accuracy in the data they report. 

I am requesting that XXXX Credit Bureau provide full verification of the debt and correct or delete this account from all credit reports if it can not be verified with complete and accurate documentation. Continued reporting of inconsistent or unverifiable information is harmful and may be in violation of 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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Request for Debt Validation under the FDCPA ( 15 U.S.C. 1692g ) To Whom It May Concern : I am writing to request validation of a debt you claim I owe. I am requesting this information pursuant to my rights under the Fair Debt Collection Practices Act, which gives me the right to request written verification of the alleged debt.

Please provide all of the following : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A detailed statement explaining how the debt amount was calculated.

4. Proof that I agreed to assume this debt ( e.g., signed contract ).

5. A complete payment history showing all charges, interest, payments, and fees. 
6. Proof that your agency is authorized to collect this debt ( chain of assignment if applicable ).

7. The name and address of the original creditor, if different from the current creditor.

8. A copy of your license to collect debts in my state, if required.

Until you provide this documentation, I am requesting that you cease all collection activities, including reporting to the credit bureaus, contacting me via phone, mail, or other means, and pursuing legal action. 

If you can not validate the debt, you must cease collection efforts and remove any credit reporting of this debt as required by law. 

This is not a refusal to pay but a request for validation. Please respond within 30 days of receiving this letter. All future communication must be in writing only. 

Sincerely, XXXX XXXX

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 — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review your see if this is actually an account that belongs to me

Company public response: Company disputes the facts presented in the complaint
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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Requested removal unauthorized hard inquiries on my report I followed complaint with you guys and no response by law Credit bureaus are required to respond to disputes about information on your credit report within 30 days. This includes investigating the disputed item and notifying you of the results. The creditor providing the information to the credit bureau must also investigate and respond to the credit bureau within the same 30-day timeframe.

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 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I would like XXXX to look at their surveillance camera to catch this thief who I think have done it a few times because it looks like they are very comfortable using my card, at their XXXX XXXX location # XXXX XXXX XXXX XXXX, XXXX XXXX in Southern California on XX/XX/year> at XXXX ( XXXX ) for receipt # XXXX. This person charge {$1000.00}. 

Later they went to the food court to get food at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX They also tried to use my credit card to on XXXX online for over {$2000.00}. They also tried to use my card for XXXX many times. Luckily I caught it the first time. This person needs to be arrested because I feel like he/she did this many times before.

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 2025-07-13 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: MI

Complaint narrative:
I am writing as a follow-up to a previous dispute I submitted regarding unauthorized or inaccurate inquiries listed on my credit report. As of todays date, the disputed inquiries have not been removed or addressed appropriately. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. I previously submitted a formal dispute, concerning the following inquiries that I did not authorize and which remain unresolved : Disputed Inquiries : 1. INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> 2. INQUIRY ACCOUNT NAME : XXXX OF XXXX DATE : XX/XX/year> XXXX. INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/year> These inquiries are impacting my credit profile without my consent. I am requesting that your agency conduct a reinvestigation as required under FCRA Section 611 and remove any inquiries that can not be verified as authorized by me.

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