vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to request an investigation into inaccurate information appearing on my credit report by Capital One for an auto loan. I recently reviewed my credit file and found that an account is being reported as a repossession, which I believe contains inaccurate or incomplete information. I have no knowledge of this account at all. 

This item is not being reported accurately. I am requesting that you conduct an investigation under the Fair Credit Reporting Act ( FCRA ). If the furnisher of this data can not verify the accuracy or completeness of the reported repossession, I request that this item be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint because Midland Credit Management , Inc. ( MCM ) is misrepresenting its status as the original creditor for an alleged debt originally owed to Bank XXXX Missouri or XXXX the XXXX XXXX XXXX, Midland is a debt buyer, not the original creditor, yet it has reported and represented itself as " sole owner '' to me and has yet sent any form of validation and have threatened to take legal action on at least 3 times via email and 5 times via mail. This is a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 10 ) ) and Regulation F ( 12 C.F.R. 1006.34 ) requiring accurate disclosure and validation. Additionally, Midland Credit Management are debt collectors and state they will find an attorney to pursue in the state of Texas leading to believe they are not bonded violating XXXX XXXX XXXX. A debt collector collecting on behalf of several businesses collecting the same debt is misleading, violates 15 U.S.C. 1692e and 1692f, and creates consumer confusion about who actually owns the account. I was never properly notified or provided full validation, including proof of ownership or a complete chain of title and or proof of assignment from Bank XXXX Missouri or XXXX the Galleria of Jewelers to Midland Credit Management. Despite this, the account continues to take threatening action if I do not comply to settle the alleged debt. I request that the CFPB investigate these violations, require Midland to cease collection, not report to the credit bureaus as you have taken legal action against Midland Credit Management

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems is inaccurately reporting a XXXX account on my XXXX  credit file as open and recently opened ( XX/XX/year> ), when in fact the account was not opened in XX/XX/year> as I do not have XXXX. I only have an open account with XXXX XXXX. 

This re-aging of the account violates the Fair Credit Reporting Act ( FCRA 605 and 623 ), as the date opened and account status are both false and misleading. 

I attempted to dispute the item through XXXX  and XXXX XXXX, but they either limited the number of disputes or denied the dispute without proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
CFPB Complaint No. : XXXX NOT A DUPLICATE COMPLAINT NEW EVIDENCE OF WRONG ADDRESS, ALTERED RECORDS & INACCURATE REPORTING. I am filing a new complaint against XXXX XXXX XXXX for continued inaccurate reporting, altered records, and unauthorized disclosures. 

XXXX reported my auto loan as delinquent and redeemed repossession even though the account was reinstated and had active deferments in XXXX, XXXX, and XX/XX/XXXX. Reporting late payments during approved deferments violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro-2 guidelines. 

XXXX mailed all default and presale notices to my co-signer at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, not to me, violating UCC 9-611 and 9-613. They only began using my XXXX address after I filed a dispute in XX/XX/XXXX, proving alteration of internal records. Even as late as XX/XX/XXXX, XXXX continued sending official responses to the XXXX address. 

I also discovered that XXXX continues to send verification codes and account-access emails to my removed co-signer, despite confirming his removal from the loan. This is a violation of GLBA 501 ( b ) and FTC Act 5, as it exposes my personal financial information to an unauthorized third party. 

Most importantly, on XX/XX/XXXX, I received a direct email from XXXX XXXX ( XXXX ) offering me a payment extension for the month of XX/XX/XXXX, confirming that my account was still active and eligible for deferment. Sending a deferment offer while simultaneously reporting the account as past due and repossessed is deceptive and constitutes inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ) and FTC Act 5. 

XXXX pattern of behavior also shows a deceptive servicing practice. They repeatedly offered deferments and extensions that implied my account would remain in good standing, yet continued to report delinquencies and repossession data. This violates FTC Act 5 ( deceptive acts and practices ) and breaches the implied duty of good faith and fair dealing. Offering deferments they never intend to honor misleads consumers and creates continued financial harm. 

XXXX  has already deleted this tradeline as inaccurate ( XX/XX/XXXX ), but Experian and TransUnion continue to report it with false delinquency and repossession data. 

I request that XXXX correct all reporting, refund improper fees ( approximately {$800.00} ), cease unauthorized data sharing with my co-signer, and provide written confirmation of compliance with FCRA, UCC, and GLBA regulations.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g.I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration where you swear to the truths of the statement of the facts of matter, have first knowledge and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Transunion, and Equifax. 

Thereby, inform you that you do not have my consent to with me through any medium. Furthermore, I did not consent to you having my personal information. and private information. I did not consent to you reporting information in my name to the consumer reporting agencies.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, several fraudulent and unauthorized transactions were executed on my Coinbase account without my consent. Funds were converted to XXXX and withdrawn, totaling approximately XXXX XXXX  ( around {$710.00} at current value ). I did not share my login credentials with anyone, did not click on phishing links, experienced no XXXX swap or service interruption, and my devices remained in my possession at all times. 

I reported this fraud to Coinbase on XX/XX/year>. Coinbase required me to complete identity verification, answer detailed fraud-prevention and security questions, and provide documentation of the unauthorized activity, all of which I submitted promptly. After providing everything requested, I was repeatedly told to wait for someone to respond, but weeks passed with no response or resolution. I followed up again on XX/XX/XXXX and XX/XX/year>, and was told each time that the case would be escalated, yet no action was taken. I emailed Coinbase a fourth time on XX/XX/year>, summarizing all the facts of the case, and still received no response. 

Funds were taken from my account without my permission, and Coinbase did not take appropriate action when I reported the unauthorized transactions multiple times ( over call, online chat, and email ) I am attaching screenshots of : ( 1 ) the emails I sent to Coinbase, including my responses to all fraud-related questions, ( 2 ) Coinbases assertions that my case would be escalated, and ( 3 ) the unauthorized transactions on my account.

Despite providing all requested information and multiple follow-ups over several months, Coinbase has failed to assist me or return the funds. This situation has caused significant distress, especially as someone facing severe medical and financial hardship. I am seeking support to obtain proper reimbursement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continue to negatively impact my credit. 
Acct XXXX XXXXXXXX XXXX XXXX, XXXX Multiple inaccurate personal information. 
Despite my efforts to resolve this directly with the reporting bureaus it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and it is harming my credit. 
This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continue to negatively impact my credit. 
Acct XXXX XXXXXXXX XXXX XXXX, XXXX Multiple inaccurate personal information. 
Despite my efforts to resolve this directly with the reporting bureaus it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and it is harming my credit. 
This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a 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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX {$400.00} I am not aware of this debt at all. I have no recollection of doing business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Innovative Mortgage Services, Inc.
State: OH

Complaint narrative:
I was the loan XXXX on a mortgage transaction where the lender issued a XXXX to XXXX ( XXXX ) twice. Once before my broker requested a separate quality control ( QC ) review, and again after XXXX completed its review. Despite being fully cleared to close by the lender both times, my brokerage, Innovative Mortgage Services , Inc. ( XXXX # XXXX ), refused to authorize the closing. 

As a result, the buyer lost the property, and my professional relationships with the real estate agents involved were damaged. 

During this process, the broker performed unnecessary internal investigations, admittingly looking for inconsistencies despite the lenders approvals. The broker repeatedly insinuated fraud, but in nearly XXXX years of my employment, has never produced any evidence of fraudulent activity. 

The broker also required the borrower to attend XXXX separate recorded Zoom calls that were not required by the lender or HUD guidelines. I have these recordings, as well as documentation of a phone call with XXXX XXXX ( XXXX XXXX ) in which he was irate and unprofessional, and another call with XXXX XXXX, who stated that the borrowers business was flagged because it appeared as a hair salon, without any proof. When this was later disproven, the justification for holding up the file changed again. 

This pattern of shifting explanations, false insinuations, and obstruction of a lender-approved closing demonstrates behavior that is unfair, abusive, and retaliatory under CFPB and fair lending standards. 

I am requesting CFPB review and intervention to address this conduct and ensure compliance with applicable federal lending laws and ethical standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) concerning numerous inaccuracies appearing on my credit report. After reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and formally request a comprehensive and immediate reinvestigation of all disputed items. The accounts in question include XXXX XXXX XXXXXXXX XXXX XXXX with a balance of {$14000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$820.00}, and XXXX  XXXX XXXXXXXX XXXX XXXX with a balance of {$370.00}. Despite my prior dispute, these items continue to appear inaccurately on my credit report, and I have not received any validation, explanation, or documentation from the credit bureau regarding their continued reporting. This constitutes a violation of the accuracy and reinvestigation requirements under FCRA 1681e ( b ) and 1681i.

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 2025-11-03 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: ND

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
amount {$1200.00} I do not recognize this debt on my credit report. I have no recollection of doing business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
I am infuriated by the flagrant violation of my consumer rights through the dissemination of grossly inaccurate information. Fair treatment and immediate accountability for their failures in upholding accuracy and compliance are non-negotiable demands. 
The audacity to provide an erroneous credit report is beyond infuriating, considering the supposed adherence to the FCRA and relevant data field formatting standards. I demand an expedited response with a meticulously documented, unquestionably truthful account of evidence for each claim. Failure to promptly rectify false accounts will result in severe consequences, as I refuse to tolerate the financial repercussions caused by your negligent actions. 

SUNRISE CREDIT SERVICE - 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 2025-11-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
Overnight while I was on a flight a withdraw of XXXXXXXX XXXX XXXX was taken from my account without alerts or notifications from my bank. I tried to contact them but with every attempt to call ; my card number was invalid for some reason unknown to me why. Im attempting to report fraud and have my money replaced with the same amount.

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