vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TN

Complaint narrative:
I contacted Mohela consistently from XXXX through mid summer about enrolling back into an income based payment plan. I am a federal employee and made my pay stubs available to Mohela along with bank statements. 

They told me several times that I did not provide adequate employment payroll information and that my stubs could not determine my income. 

Midsummer, they approved my request. My income was the same in XXXX as when they approved it. They did not backdate the repayment plan that by then had {$7000.00} in late payments and fees. I requested an adjustment so that I could start paying the new monthly payment and be caught up. They refused. 

I have paid the bill each month since my payment adjustment but today I received a final notice requiring full payment of {$120000.00} to be paid in less than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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 raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable. 

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Repeated attempts have been made to dispute fraudulent credit reporting to TransUnion by XXXX. 
XXXX has erroneously reported to my personal TransUnion file that a monetary loan in the amount of {$1000.00} was dispersed. Proper documentation is being requested from XXXX to validate claims that a monetary loan was issued. 

TransUnion has not resolved the 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 2025-10-30 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: GA

Complaint narrative:
I am submitting this letter to formally dispute and request the removal of the following accounts from my Equifax credit report. I believe these accounts may have been affected by a data breach or inaccurately reported. I have no record of authorizing or opening some of these accounts, and I am requesting an immediate reinvestigation. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX BALANCE : {$4400.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX BALANCE : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>XXXX  my Chase account was compromised by fraud, leaving a {$1400.00} balance while the dispute was pending. On XX/XX/year>XXXX  Chase received my childs Supplemental Security Income ( SSI ) deposit. Instead of releasing those protected funds, Chase used them to offset the negative balanceleaving the account still negative and denying us access to any of my childs benefits. This violates federal law ( 42 U.S.C. 407 ), which prohibits banks from seizing or applying SSI funds to debts or fees. 

When I called Chase, multiple departments refused to help. One representative even asked, Where would we get the funds from to give you? showing a clear lack of understanding of their legal obligation to return protected benefits. The legal department said they were the wrong department, and branch staff told me theres nothing we can do. I still have not received the SSI money. Because of this violation, I have been unable to buy food or attend medical appointments for my child. She is now XXXX  and having XXXX  XXXX because I cant buy food or her meds. Any one of these XXXX could kill her. This is NOT OK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This credit inquiry was made without my consent, and I have no record of having spoken with the lender on that particular date. Therefore, I kindly ask that you promptly delete this unauthorized inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below is/are completely incorrect. I have listed the items below which are incorrect and need to be deleted from my credit file. 

Line Item : XXXX Item Description : The account above associated with XXXX XXXX XXXX  is completely incorrect In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. 

Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months.

If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. 

I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. 

Thank You, 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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Reference code XXXX. 
Coinbase XXXX XXXX. 

On XX/XX/year>, I initiated a cash withdrawal from my Coinbase account to my linked bank account. The withdrawal has remained in a pending status since that date and has not been credited to my bank account. 

I have contacted Coinbase customer service multiple times, escalated the issue, and even requested that the transaction be canceled, but was told they are unable to cancel or provide an explanation beyond please wait seven more days. 

Coinbase has failed to : Provide an ACH trace number or proof the transaction was sent. 
Offer a clear timeline for resolution. 
Release or return my funds upon request. 

As of today ( XX/XX/year>XXXX  ), this issue has been unresolved for over six weeks, leaving my funds inaccessible. 

Impact : This delay has caused financial hardship and eroded my confidence in Coinbases ability to process customer withdrawals in a timely, transparent manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/year>XXXX  I received a notification to my phone that a purchase for {$400.00} had been made with my card. I immediately notified Capital One and reported this fraudulent action. Capital One deactivated that card and sent me a new one. In addition, the charge was temporarily reversed on XX/XX/year>. On XX/XX/year>, I received 2 letters from Capital One, the first one stated there was insufficient information to prove my fraud claim. The second letter stated that my claim had been resolved and I was NOT being held liable for the fraudulent charge. Despite the letter stating I would not be held responsible for the charge, the temporary reversal was lifted and the {$400.00} was once again added to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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:
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 4 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 2025-10-30 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  PA XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX PA XXXX\n\nSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear TransUnion,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from TransUnion. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account DetailsXXXX 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 XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXXSincerelyXXXX 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 2025-10-30 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX XXXX XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

My credit reports contain inaccurate and inconsistent information in Experian. Several accounts are being reported with conflicting statuses, balances, and remarks, such as showing charge-off on one bureau but closed, paid, or included in bankruptcy on another. These discrepancies create a misleading and damaging picture of my credit history and violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681s-2 ( b ), which require furnishers and credit reporting agencies to maintain and report accurate, complete, and consistent information. I have already submitted dispute letters to all three bureaus requesting a reasonable reinvestigation of these accounts and verification of all data directly with the furnishers. 

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

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 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


My complaint is regarding inaccurate and inconsistent reporting by SHELLPOINT MORTGAGE on my credit reports. This creditor is reporting my account with different statuses and balances across the XXXX XXXX  credit bureaus XXXX, XXXX, and XXXX. For example, one bureau shows the account as Charge-Off with a remaining balance, while another shows it as Closed, Paid, or Included in Bankruptcy. This inconsistency misrepresents the true status of the account and violates the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681s-2 ( b ), which require furnishers to provide accurate, complete, and consistent information to all credit reporting agencies. I have already contacted the creditor directly and requested a reinvestigation to verify and correct the reporting. 

SHELLPOINT MORTGAGE 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