vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I made initial contact with Credence Resource Management , LLC, by telephone on XX/XX/year>. I spoke with the male representative that a negative debt collection report had been placed on my credit report. Representative advised that I would have to pay a fee of XXXX dollar ( {$1.00} ) for him to obtain my credit report, which I complied. I then requested verbally written documentation and advised that I would pay the debt, the collector refused to provide me with the information after requesting. The collector then advised that he would notify other debtors if i did not agree with his agreement to pay a fee of {$300.00} for him to make a dispute for me about the debt with the credit bureaus. I told the collector that I would not complete his request and that I would make the dispute myself which was allowed by federal law. The collector insisted that he would notify others and in fact hung up on me. When calling back a second time the female employee advised me that she could not talk to me. I was asking for written documention to validate the debt that was reported, I have not received any written correspondence on this reported debt that I was unaware of. A written request was made to Credence Resource Management on XX/XX/year>. 

Debt collection agency : Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: AR

Complaint narrative:
I previously submitted a written request to the credit reporting agency ( or agencies ) asking for verification and removal of several hard inquiries that I did not authorize. Despite my request, these inquiries continue to appear on my credit file without any supporting documentation or permissible purpose being provided. 
Here is the list of inquiries I am disputing : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( listed twice ) XXXX XXXX XX/XX/XXXX ( listed twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( listed twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are either duplicate, unauthorized, or unverifiable. Under FCRA 604, a consumer reporting agency may only furnish a credit report if there is a permissible purpose, such as a consumer-initiated application for credit or insurance. I have not authorized these inquiries and did not initiate applications for many of these companies on or around the listed dates.

The fact that they remain on my report without confirmation of authorization or purpose may indicate negligent reporting practices, and potentially violates FCRA 611, which requires the credit bureau to correct or delete unverifiable information after reinvestigation.

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 2025-09-09 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: NY

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include 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 XXXXXXXX XXXX which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-09-09 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 never thought I would find myself questioning the accuracy of my own credit report, but after reviewing it carefully, I noticed entries that do not reflect my actual financial history. I feel compelled to share my story and request correction. 
I discovered several accounts being reported in a way that negatively impacts my credit, even though some have a {$0.00} balance. Specifically, these include XXXX XXXX XXXX ( {$0.00} ), XXXX BANK XXXX ( {$0.00} ), and XXXX XXXX XXXX ( {$0.00} ). Reporting these accounts inaccurately is unfair and misrepresents my obligations. I am requesting a thorough investigation under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 611 15 U.S.C. 1681i, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) to ensure accurate reporting. 
Additionally, there is a charge-off from XXXX XXXX XXXX ( {$0.00} ) and a collection account from XXXXXXXX XXXX XXXX  ( XXXX, {$310.00} ). These accounts XXXX be inaccurately reported and causing undue harm. I request they be verified and corrected. The collection account may also be in violation of FDCPA 807 15 U.S.C. 1692e if it is misleading or inaccurately represented. 
I also identified multiple inquiries that I did not authorize, including : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
These inquiries were unauthorized and violate FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ). I request that each of these inquiries be investigated and removed from my credit 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate, incomplete, or unverifiable. I request that you conduct an investigation into this matter and remove or correct the disputed information as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
b"My name is XXXX XXXX and I am writing to request a goodwill adjustment on my credit report for a late payment that appears on my account ending in 5328\n\nI understand that the report reflects a late payment on XXXX XXXX and XXXX XXXX I take full responsibility for this mistake and apologize for any inconvenience it may have caused.\n\nAt the time of the late payment, my mom got really sick and I had to take a leave of absence from work to care for her which had me get behind on my mortgage. \n\nSince then, I have taken significant steps to improve my financial management and ensure this doesn't happen again. I have made all subsequent payments on time for the past 2 months and have been able to go back to work and create a  debt management plan\n\nI am committed to maintaining a good credit standing and would be grateful if you would consider removing this late payments from my credit report as a gesture of goodwill.\n\nThank you for your time and consideration. I can be reached at XXXX XXXX XXXX XXXX XXXX if you require any further information.\n\nSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am writing to formally demand the immediate removal of fraudulent and unauthorized credit inquiries that were placed on my consumer credit file with TransUnion on XX/XX/year> by XXXX and XXXX. 
I did not authorize, apply for, or consent to these inquiries. Their continued reporting is inaccurate, damaging, and constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Pursuant to : 15 U.S.C. 1681b ( f ) A consumer reporting agency may only furnish a consumer report to a person with a permissible purpose. These inquiries do not meet that standard.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) TransUnion must conduct a reasonable reinvestigation of any disputed item within 30 days and delete inaccurate, unverifiable, or unauthorized information.

15 U.S.C. 1681c-2 ( Section 605B ) As a victim of unauthorized use of my personal identifying information, I have the right to block and remove such information.

I have filed the appropriate reports, including an FTC Identity Theft Report, and I am working with my attorney on this matter. You are therefore on notice to treat this as an official dispute and demand for deletion.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00}

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate personal identification information currently appearing in my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ) 611, I am exercising my right to request a prompt investigation and correction or removal of the following erroneous entries.

Additionally, I request that any updates or deletions be made using the industry-standard Metro 2 Format to ensure that accurate, uniform data is reflected across all reporting systems.

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
CFPB Complaint Draft Coinbase ( XXXX XXXX XXXX XXXX Company : Coinbase , Inc . 

Product : Virtual currency ( crypto assets, digital wallets, transfers ) Issue : Funds were mis-routed/ failure to credit deposit Complaint Narrative On XX/XX/year>2024, I initiated a transfer of approximately {$220.00} in USD Coin ( XXXX ) through Coinbase. The transaction hash is : XXXX From ( Coinbase Deposit Address ) : XXXX XXXX Contract : XXXX ( official XXXX on XXXX ) Coinbase Dispatcher Contract : XXXX ( Coinbase XXXX ) Method Called : XXXX ( internal Coinbase routing function ) Intended Recipient : XXXX Actual Recipient ( on-chain ) : XXXX Instead of sending the XXXX directly to my intended wallet address, the funds were rerouted through Coinbases internal dispatcher contract and ultimately sent to a different wallet address. As a result, my intended wallet never received the funds. 

This transaction clearly shows that the mis-routing occurred within Coinbases internal system, since the function used ( XXXX ) is a Coinbase contract call, not a standard XXXX transfer. 

I contacted Coinbase but received no clear explanation or resolution. I am still missing the {$220.00} XXXX. 



Desired Resolution I am requesting that Coinbase : XXXX. Confirm whether address XXXX is a Coinbase-controlled wallet. 
XXXX. Trace the routing of this transaction internally and provide a full written explanation of why my funds were not delivered to my intended address. 
XXXX Credit or return the missing {$220.00} XXXX  to my Coinbase account or the intended wallet. 

XXXX. Unlock my user account. Remove restrictions so I can have full use of it. 

This issue has been unresolved for over a year, and Coinbase has not provided a fair resolution or adequate support. 



Supporting Documentation Etherscan transaction link : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute a number of serious errors on my credit report. After reviewing my file carefully, I discovered multiple accounts being reported inaccurately, which makes my credit history appear much worse than it truly is. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute a number of serious errors on my credit report. After reviewing my file carefully, I discovered multiple accounts being reported inaccurately, which makes my credit history appear much worse than it truly is. 

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to review my TransUnion credit report. The only report available in my TransUnion portal was dated XX/XX/XXXX ; nearly XXXX weeks old. This is not a weekly credit report as required by CFPB guidance. 

I also attempted to access my report through XXXX. That version displayed a different current address ( XXXX ) but blocked my ability to see the full file because I have an open dispute. This practice leaves me with no way to view my full, current credit report. 

This is not the first time TransUnion has done this. On XX/XX/XXXX, TransUnion admitted in a written CFPB response ( XXXX ) that they block consumer online access during disputes. They are doing it again now. This repeat behavior is misleading and obstructive. Providing me only an outdated file dated XX/XX/XXXX while withholding my current report violates FCRA XXXX ( c ). 

Violations : FCRA XXXX ( a ) ( XXXX ) : Denial of my right to a full file disclosure. 

FCRA XXXX ( c ) : Failure to provide access to my updated file during pending disputes. 

FCRA XXXX ( b ) : Failure to maintain maximum possible accuracy ( different addresses shown on TU vs. XXXX while still reporting disputed addresses to furnishers ). 

CARES Act / CFPB Guidance : Failure to provide weekly reports ; instead, I only have access to a stale XX/XX/XXXX file. 

XXXX ( Unfair/Deceptive Practices ) : Consumers are denied access while TransUnion continues selling updated files to landlords, lenders, and collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00}

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