vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: IL

Complaint narrative:
This is a follow-up complaint regarding Systems & Services Technologies , Inc. ( SST ) and the alleged XXXX XXXX XXXX XXXX XXXX account originally associated with XXXXXXXX XXXX XXXX XXXX 

I do not recognize or recall authorizing this account, and I have never received any funds, loan disbursement, or valid notice of transfer. SST reported the account as charged off with a balance of approximately {$1900.00}, which I dispute as inaccurate. 

On XX/XX/2025, I filed a complaint asking SST to validate the alleged debt and provide documentation. Their response included a generic contract that did not contain any identity verification, proof of loan funding, or delivery confirmation of account notices. This response does not satisfy validation requirements under the Fair Credit Reporting Act ( FCRA 623 ( b ) ) or Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ).

I request that the CFPB reinvestigate this matter and require SST to produce : -Proof of identity verification at the time of account origination ( e.g., IP logs, ID verification, or signature authentication ) -Proof of any funds credited or disbursed to me -Documentation showing I was properly notified of any transfer, charge-off, or assignment Until verified documentation is produced, I dispute the accuracy and legitimacy of this account and request immediate removal or correction of all credit reporting related to this alleged loan from XXXX XXXX XXXX XXXX 

The companys current reporting of a charged-off status without validation violates FCRA 1681s-2 ( b ) and causes significant harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I am disputing the following account ( s ) with Experian and request a thorough investigation in line with the Fair Credit Reporting Act. Please ensure that the information reported is accurate, and if any information can not be verified, it should be removed from my credit report. 

CHARGED OFF XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. 
I respectfully request that this account be reviewed for accuracy and that any inaccuracies be corrected in accordance with the Fair Credit Reporting Act. If the information can not be verified, I request that it be removed from my credit report. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that these inquiries be reviewed for accuracy. If any inquiries are not authorized, I request they be removed from my credit report. 

POSITIVE ACCOUNTS None listed for EX at this time. 

LATE PAYMENTS XXXX XXXX, Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX, Account Number : XXXX Please review the late payment information for accuracy. If the information is incorrect, I respectfully request it be corrected or removed.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/year> CITI Credit Card Customer Service XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Temporary Hardship Assistance, Interest Pause, and Credit Reporting Consideration Dear Citi Bank Collections Team , I am writing to respectfully request assistance regarding my Citi Bank credit card account. I have encountered significant financial hardship over the past several months. I lost my job in XX/XX/year>, and more recently, I lost my father unexpectedly on XX/XX/year>, due to a sudden XXXX XXXX. These events have deeply affected both my emotional and financial stability. 
Because of these circumstances, I have fallen behind on my regular payments. However, I am committed to resolving this matter and maintaining good standing with Citi Bank. I kindly ask that you consider : Pausing or reducing interest accrual temporarily while I work to stabilize my income. 


Establishing a manageable repayment plan that aligns with my current financial situation. 


Temporarily pausing or withholding late payment reporting to the credit bureaus, as I am actively working on securing a lower car loan payment or trading in my current vehicle. Maintaining my credit standing during this transition would greatly help me regain financial stability and ensure I can continue meeting my obligations. 

I understand Citi Banks policies are guided by federal and internal regulations, but I sincerely hope you can offer a hardship program or temporary relief option that fits my situation. I truly want to continue meeting my obligations and rebuild my financial footing with your support. 
Please let me know if you require documentation of my job loss or my fathers passing, or if I need to complete any specific forms to move forward with this request. You can reach me at XXXX or XXXX at your convenience. 
Thank you for your time, understanding, and compassion during this difficult time. 
Sincerely, XXXX XXXX XXXX Last 4 of Social : 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 2025-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
b'Hi yes a couple months ago I went to old navy and was shopping when I was offered a credit card from the store . My purchase was only like XXXX  and I decided well why not and isnt really think much of it . So months go by and I later called to let them know I hadnt received my card or account information and wasnt sure what was going on . They then told me they would send me again but still didnt receive anything and about two- three months went by and then I seen on my credit report that something was wrong. I went ahead and called the card company and tried getting help to make payment  but then they told me it had already been sent to a debt collector and wasnt much they could do . They just told me to try making the payment online and seeing if it would allow me to which I did. But it still shows as derogatory on my credit and I even disputed with them but they still put that on it .'

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 2025-11-04 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: FL

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} Inquiries : None listed for TransUnion. 

Positive Accounts : None listed for TransUnion. 

Late Payments : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed XXXX Accounts XXXX XXXX  Same set of XXXX XXXX accounts listed above ; inconsistent data across bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX  multiple accounts ( XXXX, XXXX, XXXX, XXXX, XXXX ) appear to be duplicates or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$740.00} ) I have not received validation for either. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing several of these inquiries and am requesting verification of consent or removal if unverified. 

Late Payments XXXX XXXX XXXX XXXX  These late payments may be inaccurate or inconsistent. I request confirmation or deletion if unverifiable.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am filing a formal complaint against Early Warning Services ( EWS ) for failing to maintain accurate and verifiable consumer data and for unlawfully reporting and disseminating my private banking information without authorization. This conduct constitutes willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 604, 607 ( b ), 609, 611, 616617 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 807, 809 ( b ) ).

My EWS report contains multiple accounts and inquiries that are either inaccurate, unverifiable, or unauthorized. Specifically, EWS has reported negative account closures and NSF activity allegedly tied to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without providing proof of any contractual agreement, ownership, or permissible purpose. These entries have directly impacted my ability to obtain financial services, open accounts, and maintain a fair credit standing. 

Additionally, my report lists numerous unauthorized inquiries from institutions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 604 ( a ) ( 2 ), consumer reporting agencies may not disclose or retain inquiry data unless there is documented evidence of the consumers express written consent or a legally defined permissible purpose. No such evidence has ever been provided to me. These inquiries constitute unlawful access to my consumer file and a violation of my privacy rights. 

I have previously disputed these items directly with EWS and demanded full validation, including original signed applications, data-sharing agreements, and verification of permissible purpose. To date, EWS has failed to provide proper documentation or remove the unverifiable and unauthorized information, violating FCRA 611 ( a ) ( 5 ) ( A ) which requires deletion within 30 days if verification can not be substantiated. 

Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX Supreme Court confirmed that inaccurate or unauthorized consumer data constitutes a concrete harm under the FCRA. EWSs continued reporting of unverifiable data and unauthorized inquiries has caused real injury by restricting my access to essential financial services and undermining my consumer credibility. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate Early Warning Services for systemic noncompliance with the FCRA and FDCPA. I also request that EWS be ordered to permanently delete all unverifiable and unauthorized accounts and inquiries, provide written confirmation of these deletions, and cease all future data sharing or reporting without my express written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off 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  Positive Accounts : None listed for Equifax. 

Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting verification of these late payment records, and if they can not be fully confirmed, I ask that they be corrected or deleted from my report.

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 2025-11-04 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: MI

Complaint narrative:
The FCRA guarantees the right to accurate reporting. The accounts attached fail to meet this legal requirement and have caused me undue harm. I am requesting that these items be deleted immediately to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I tried to open a new business bank account with XXXX XXXX for my company, XXXX XXXX XXXX XXXX, but the application was blocked because of a negative record from Early Warning Services ( EWS ). 

The issue comes from an old business account ending in XXXX that XXXX XXXX closed in XX/XX/XXXX with a negative balance of {$240.00}. That balance was fully paid on XX/XX/XXXX, but the negative record was never updated or removed in EWS. 

I received a letter from XXXX XXXX dated XX/XX/XXXX, confirming that the negative balance was paid in full, but stating that no further action will be taken and the record remains in EWS. 

This outdated record is preventing me from opening new business accounts even though my balance is clear. I am requesting that XXXX XXXX and Early Warning Services update or remove the negative report to reflect that the account has been fully satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off 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 XXXXXX/XX/XXXX Positive Accounts : None listed for TransUnion. 

Late Payments : 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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Coinbase, Inc.
State: CA

Complaint narrative:
What happened : I am a Coinbase XXXX Credit Card holder ( issued by XXXX XXXX XXXX on the XXXX XXXX XXXX ). 
My Coinbase account was recently restricted for security review, which has completely blocked my ability to make my credit card payment through the Coinbase app. 

I have contacted Coinbase support multiple times ( case ID XXXX ), but none of the agents were able to provide an alternative way to make a payment. They confirmed that my account is under review, but there is no estimated resolution time, and I am unable to use ACH, debit card, or any payment method to repay my credit card balance. 
I also called the Coinbase XXXX credit card XXXX XXXX XXXX, but they told they can't help me to solve the issue, only way to pay the balance is on Coinbase app. 

This situation prevents me from meeting my payment obligations. 
I am concerned that this will negatively affect my credit report and score, even though I am making every effort to pay. 

I request that Coinbase and the issuing bank ( XXXX XXXX XXXX  ) provide me with : Unrestricted my coinbase app, allow me to add on the payment method to pay the debt. 
or a direct and functional way to make my credit card payment ( ACH, phone payment, or check by mail ), and XXXX that my credit report will not be negatively affected due to the system restriction beyond my control. 

Attached are transcripts of my Coinbase support conversations showing that I repeatedly attempted to pay my debt but was blocked by system restrictions. 

What do you want the company to do to fix this problem : Provide immediate coinbase app access to make payment or supply alternative payment instructions ( ACH / phone / check ). 

Ensure that my account is not reported as late or delinquent while payment access is blocked. 

Provide written confirmation that my payment attempt and communication history are noted in my record. 

Company names involved : Coinbase , Inc. ( Payment platform and service provider ) XXXX XXXX XXXX ( Card issuer ) Case ID : XXXX Product : Coinbase XXXX Credit Card Consumer : XXXX XXXX Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Formal Dispute of Alleged Accounts and JudgmentTo : Resurgent Capital Services L.P. / LVNV Funding LLCDate : [ Insert Todays Date ] Dear Resurgent Capital Services, I am writing in response to your letter dated XXXX, regarding accounts allegedly associated with my name and a judgment entered in XXXX XXXX XXXX. 
I dispute the validity and ownership of the following accounts and the associated judgment : * Account ending in XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts, did not authorize them, and have not received any prior documentation substantiating their origin or my alleged responsibility. 
Furthermore, I dispute the claim that I was properly served regarding the judgment entered under case number XXXX. I request proof of service, including time-stamped documentation and sworn affidavits. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request : * Full validation of each alleged debt, including signed contracts, itemized statements, and chain of custody from original creditor to LVNV. 
* Proof of service and court filings related to the XXXX XXXX XXXX judgment. 
* Immediate cessation of collection activity until this dispute is resolved. 
I also request that all tradelines associated with these accounts be marked as fraudulent or under identity theft investigation with the credit bureaus. 
Please consider this letter a formal dispute and request for investigation. I expect a response within XXXX days, as required by law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation