vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
I change cell phone carrier on XX/XX/XXXX from XXXX XXXX to another carrier. I left XXXX because during 13 months of been a customer I was billed fro a line that was not yet active, was discriminated against by one of their phone agent, did not receive credit for my trade in for seven months, and finally XXXX refused to provide a corporate discount that was advertised with my company and that they said I was eligible for at sign in. The new carrier offer to reimburse me for the remaining balance on the devices, but XXXX has refused to provide me with an itemized statement. I called, requested supervisor call back, to no avail.What I received is a bill snapshot with no line item details, also representative from the company have told me that they will not provide me with the remaining credit on my trade in. The bill they sent has a due date of XX/XX/XXXX, and yet again the account has already been sold off to XXXX XXXX. XXXX is refusing to provide a statement detailing the charges to my account and have referred a debt that is not yet due to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I transferred [ Exact amount of XXXX ] XXXX ( XXXX ) to my Coinbase deposit address using the Cronos network instead of the required Ethereum network. 

The details of the transaction are : Asset : XXXX ( XXXX ) Amount : XXXX Transaction Hash ( TxID ) : [ XXXX ] https : XXXX The funds never appeared in my account. I contacted Coinbase support ( Case # XXXX ) and initially received a response stating recovery was not possible. One representative named XXXX XXXX used a misleading analogy, claiming it was like a mailbox that " Coinbase doesnt have the key for. '' This statement is technically incorrect. Because XXXX is an XXXX-compatible chain, the private key for my XXXX address is the same key for the XXXX address. 

Recognizing this, I escalated my case. After further review by their internal engineering and recovery teams, a specialist sent me a follow-up response on XX/XX/year>, that directly contradicted his first statement. This specialist admitted in writing : " You are correct that XXXX is an XXXX-compatible chain, and in theory, recovery could be technically feasible. '' Despite Coinbase 's own experts confirming they have the technical ability to recover my funds ( i.e., they do have the key ), the company still refuses to do so. Their final decision was based on a lack of internal tooling and processes, not a technical impossibility. 

To summarize : Coinbase is providing customers with conflicting and technically inaccurate information regarding their ability to access funds. 

Coinbase 's own engineering team has confirmed that they have the capability to recover my assets. 

Coinbase is unfairly withholding my funds due to their own internal business priorities, not technical limitations. 

I request that the CFPB compel Coinbase to act on their confirmed technical ability to make my funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am filing a complaint against Equifax, Experian, and TransUnion for failing to provide a lawful method of verification and for continuing to report inaccurate information on my credit reports. I disputed several items, but the bureaus have not provided the reinvestigation details required under 15 U.S.C. 1681i ( a ) ( 7 ), including the names, addresses, and phone numbers of furnishers, as well as documentation relied upon. 

Disputed items include : incorrect employers ( XXXX XXXX XXXX XXXX ), collections ( XXXX XXXX XXXX ), charge-offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX and late payments XXXX XXXXXXXX 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 2025-09-04 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: GA

Complaint narrative:
I am filing a complaint against Equifax, Experian, and TransUnion for failing to provide a lawful method of verification and for continuing to report inaccurate information on my credit reports. I disputed several items, but the bureaus have not provided the reinvestigation details required under 15 U.S.C. 1681i ( a ) ( 7 ), including the names, addresses, and phone numbers of furnishers, as well as documentation relied upon. 

Disputed items include : incorrect employers ( XXXX XXXX XXXX XXXX ), collections ( XXXX XXXX XXXX ), charge-offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX and late payments XXXX XXXXXXXX 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 2025-09-04 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX [ Phone Number ] XX/XX/2025 Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Cease and Desist Unauthorized Credit Activity To Whom It May Concern, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt/account associated with : Account Name/Number : 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  I dispute the validity of this account and any debt associated with it. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby request that you immediately stop all communication with me, my family, my employer, or any other third parties regarding this matter. Furthermore, since this account is being reported to your bureau, you are hereby notified to : 1. Immediately cease reporting this information ; and 2. Initiate a reinvestigation of the reported item ( s ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

If you believe this debt is valid and wish to continue reporting, I demand full
validation of the debt, including : A copy of the original signed contract or agreement, A full itemized statement of the alleged debt, Evidence of the furnishers authorization to report this account, and Proof that the statute of limitations has not expired. 

Please be advised that any further attempt to report or communicate inaccurate or unverified information may be considered a willful violation of federal law. I will not hesitate to report any such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office.

This letter serves as legal notice. I recommend that you retain a copy for your records. 

Sincerely, 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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Sentry Credit Inc. is reporting a debt from a " XXXX XXXX '' which is an XXXX XXXX that I never lived in. I have been at the XXXX address for the past 8 years. I do not owe this debt and I'm sure someone opened it up using my name and credit. The amount is for a whopping XXXX dollars and I definitely do not owe this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt. 

Until such validation is provided, this account should be reported as disputed under the XXXX XXXX guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-04 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: OH

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) to dispute inaccurate and fraudulent information appearing on my credit file. 

XXXX. Fraudulent XXXX XXXX Account XXXX account with XXXX XXXX in the amount of {$230.00} has been reported under my credit profile. This account was fraudulently opened and subsequently closed without my authorization. I have never applied for or opened this account. Pursuant to FCRA 609 ( e ) and 611, I demand that this fraudulent account be immediately deleted from my credit file. 

Please provide all documentation, applications, contracts, and signatures associated with this account. If XXXX can not provide legally admissible proof that I opened this account, you are required by law to remove it. 

XXXX. Unauthorized Hard Inquiries My credit report also reflects unauthorized hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I did not authorize these companies to access my credit file. Under FCRA 604 ( a ) ( 2 ) and 607 ( a ), consumer reporting agencies are prohibited from furnishing my credit report to third parties without a permissible purpose. Since no permissible purpose exists, these inquiries constitute a violation of my rights and must be deleted immediately. 

Legal Basis for My Dispute FCRA 611 ( 15 U.S.C. 1681i ) requires you to conduct a reasonable reinvestigation within 30 days of receiving this dispute. 

FCRA XXXX provides me the right to block fraudulent information resulting from identity theft. 

FCRA 609 ( e ) obligates you to provide documents related to the disputed account upon request.

Action Requested 1. Delete the fraudulent XXXX XXXX account in the amount of {$230.00}. 


2. Permanently remove the unauthorized inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 


3. Provide me with an updated credit report showing these corrections.

4. Provide copies of any documentation used in your 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 2025-09-04 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: OH

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) to dispute inaccurate and fraudulent information appearing on my credit file. 

XXXX. Fraudulent XXXX XXXX Account XXXX account with XXXX XXXX in the amount of {$230.00} has been reported under my credit profile. This account was fraudulently opened and subsequently closed without my authorization. I have never applied for or opened this account. Pursuant to FCRA 609 ( e ) and 611, I demand that this fraudulent account be immediately deleted from my credit file. 

Please provide all documentation, applications, contracts, and signatures associated with this account. If XXXX can not provide legally admissible proof that I opened this account, you are required by law to remove it. 

XXXX. Unauthorized Hard Inquiries My credit report also reflects unauthorized hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I did not authorize these companies to access my credit file. Under FCRA 604 ( a ) ( 2 ) and 607 ( a ), consumer reporting agencies are prohibited from furnishing my credit report to third parties without a permissible purpose. Since no permissible purpose exists, these inquiries constitute a violation of my rights and must be deleted immediately. 

Legal Basis for My Dispute FCRA 611 ( 15 U.S.C. 1681i ) requires you to conduct a reasonable reinvestigation within 30 days of receiving this dispute. 

FCRA XXXX provides me the right to block fraudulent information resulting from identity theft. 

FCRA 609 ( e ) obligates you to provide documents related to the disputed account upon request.

Action Requested 1. Delete the fraudulent XXXX XXXX account in the amount of {$230.00}. 


2. Permanently remove the unauthorized inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 


3. Provide me with an updated credit report showing these corrections.

4. Provide copies of any documentation used in your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
On XX/XX/year> I filed a complaint with the CFPB ( complaint ID XXXX XXXX ) regarding an inaccurate account on my credit report. 
The CFPB notified the furnisher, but the company responded that it ( CAN NOT ) respond to the issue raised in this complaint through this process. 
This refusal to verify is a direct violation of the FAIR CREDIT REPORTING ACT ( FCRA ), including : 15 U.S.C. 1681s-2 ( b ) : DUTY OF FURNISHER TO INVESTIGATE DISPUTES.

15 U.S.C.1681i ( a ) : DUTY OF CREDIT BUREAUS TO DELETE UNVERIFIABLE INFORMATION.

15 U.S.C.1681e ( b ) : DUTY TO ENSURE MAXIMUM POSSIBLE ACCURACY. 

Because the furnisher refused to verify, the account is legally unverifiable and must be deleted. continuing to report is unlawful, I am requesting CFPB enforcement action to hold the furnisher accountable and to direct Experian, TransUnion, and Equifax to ( DELETE ) this account I DEMAND PERMANENT DELETION WITHIN 15 calendar days. 
if not, I will escalate further with the FTC, the Ohio Attorney General 's office, and pursue Civil action for damages

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 2025-09-04 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: OH

Complaint narrative:
On XX/XX/year> I filed a complaint with the CFPB ( complaint ID XXXX XXXX ) regarding an inaccurate account on my credit report. 
The CFPB notified the furnisher, but the company responded that it ( CAN NOT ) respond to the issue raised in this complaint through this process. 
This refusal to verify is a direct violation of the FAIR CREDIT REPORTING ACT ( FCRA ), including : 15 U.S.C. 1681s-2 ( b ) : DUTY OF FURNISHER TO INVESTIGATE DISPUTES.

15 U.S.C.1681i ( a ) : DUTY OF CREDIT BUREAUS TO DELETE UNVERIFIABLE INFORMATION.

15 U.S.C.1681e ( b ) : DUTY TO ENSURE MAXIMUM POSSIBLE ACCURACY. 

Because the furnisher refused to verify, the account is legally unverifiable and must be deleted. continuing to report is unlawful, I am requesting CFPB enforcement action to hold the furnisher accountable and to direct Experian, TransUnion, and Equifax to ( DELETE ) this account I DEMAND PERMANENT DELETION WITHIN 15 calendar days. 
if not, I will escalate further with the FTC, the Ohio Attorney General 's office, and pursue Civil action for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
XX/XX/year> Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Information Pursuant to FCRA, UCC, and Consumer Protection Laws To Whom It May Concern, I, XXXX XXXX XXXX, am formally disputing inaccurate, unverifiable, and fraudulent information reported in my Experian credit file. This dispute is made under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including 1681c-2, the Consumer Credit Protection laws ( 15 U.S.C. 1692c ), and relevant protections afforded under the Uniform Commercial Code ( UCC ). 1. Correct Legal Name : My full legal name is XXXX XXXX XXXX. I demand removal of all other versions including : XXXX XXXX, XXXX XXXX XXXX. XXXX. Addresses : The only accurate address associated with me is XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. I demand deletion of all other addresses, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. Phone Numbers : The only accurate phone number for my file is ( XXXX ) XXXX. All other numbers must be deleted. 4. Employment : I am XXXX XXXX and receive XXXX XXXX  ( XXXX ). I have no employment history, and any entries suggesting otherwise must be deleted. 5. Marital Status : I have never been married. Any reporting indicating otherwise is inaccurate and must be removed. 6. Credit Accounts, Charge-Offs, Collections, and Credit Cards : I dispute and demand deletion of all collections, charge-offs, and credit card accounts as they are inaccurate and linked to identity theft resulting from the Equifax data breach. Under 15 U.S.C. 1681c-2, you are legally obligated to block and remove this information once notified. Furthermore, pursuant to 15 U.S.C. 1692c, I demand that all collection-related activities cease, and under the UCC, I reserve my rights to be free from unlawful, fraudulent, and unenforceable claims. You are required to verify with absolute proof, or delete the disputed information immediately. As a victim of the Equifax security breach, I am requesting a full reinvestigation and credit sweep of my file to ensure compliance with federal law. Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action. Please provide me with a full updated copy of my Experian credit file upon completion of your reinvestigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief