vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Collection Account Account Number : [ Insert if you have one ] To Whom It May Concern, I am writing in reference to the collection account listed on my XXXX credit report under the name TRANSWORLD SYSTEM INC/ related to XXXX XXXX. The account shows a balance of {$300.00} and indicates it was opened on XXXX XXXX XXXX 

This is a formal dispute of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I do not acknowledge this debt, and I request that you provide proper validation, including : 1. Proof that I owe the debt, including a copy of the original signed agreement or contract with XXXX XXXX XXXX 
2. Proof that you are authorized to collect this debt, including documentation showing you own the debt or have been assigned it.

3. A full account history, showing how the amount of {$300.00} was calculated.

4. A copy of any judgment, if applicable.

Until you provide the requested documentation, I request that you cease all collection activities and remove this item from all credit reporting agencies. Reporting unvalidated debt may be a violation of the FCRA and FDCPA. 

Additionally, please note this account is already marked as Account information disputed by consumer on my credit report. If you can not validate the debt within 30 days, I request that this account be deleted from my credit report with all credit bureaus to which youve reported it. 

Please respond to this letter in writing and send all documentation to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Central Research Inc
State: IL

Complaint narrative:
I am beyond frustrated with my new student loan servicer, Central Research , Inc. ( CRI ), which recently replaced XXXX as the servicer for my Department of Education loans. 
On XX/XX/XXXX, I sent CRI the full amount to pay off my student loans. According to confirmation from my bank, XXXX, the funds were sent electronically and accepted by CRI on XX/XX/XXXX. However, as of XX/XX/XXXX, CRI still has no record of the paymentand in the meantime, interest continues to accrue.

CRI claims it can take up to 30 days to process an electronic payment. Worse, they told me I wont receive credit as of the date they received the funds, but only from the date they eventually post it. They also said I should have requested a 10-day payoff quote before sending payment. But how is a 10-day payoff helpful if it takes them up to 30 days to even post a payment?

This process feels fundamentally unfair. CRI is benefiting by holding my funds while interest continues to rack up on my balance. Essentially, theyre collecting interest on both endson the money I sent and on the loan Im trying to pay off. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I have been locked out of my Coinbase account and am unable to get any support from the company. I made the log protect myself as they suggest doing on their website and via the phone number. However, when I go to try and unlock it find that the Coinbase account recovery page is brokenwhen I attempt to submit a recovery request, the Submit button does not function. This prevents any support ticket from being created. Their published support number ( XXXX ) refers users back to the help site, which loops back to the broken recovery form. There is no option to reach a human or escalate the issue. As a result, I have no way to access my account, submit a ticket, or receive help. I attempted to email multiple Coinbase addresses ( support @ coinbase.com, security @ coinbase.com, etc. ), and have not received a resolution. This closed-loop system leaves customers completely stranded. This is unacceptable for a financial platform holding customer assets. I am requesting urgent assistance to : 1. Escalate my case to a live representative. 2. Restore access to my account or at least initiate recovery properly. 3. Fix the recovery submission process for other users

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I thought I was paying for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then offered me a XXXX XXXX to secure my tattoo then I paid it and found out he really wasnt a XXXX XXXX.His XXXX account was suspended also so I know he was a scammer.I sent him money on XX/XX/year> for the XXXX XXXX and also XX/XX/year> for a XXXX XXXX I sent {$150.00} on XX/XX/XXXX then {$220.00} on XX/XX/XXXX. I tried to get my money back but Cash app did nothing for me but banned my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: AZ

Complaint narrative:
I am a victim of identity theft and there are fraudulent information reporting on my credit report that are not mine. Someone stole my personal information and used it to open fraudulent accounts and other fraudulent stuff under my personal information I need these accounts and other fraudulent information that are reporting on my credit report to be removed it is causing me a financial burden

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-06-25 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've been crossing an extremely tough situation after being a victim of identity theft, i noticed some things on my credit report that don't belong to me, so i've trying to fix it directly with the lenders but they don't seem to be assesing or fixing the problem. I have tried it all in order to get those thing out of my credit report because this have been causing a lot of problems in my personal, work and social life. I really need TRANSUNION to adrees this immediately so that i can be aware of my credit report situation. These are the items mentioned : 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

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 2025-06-25 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: IL

Complaint narrative:
Please help me investigate accounts from these companies that inaccurately show late payments on my credit report. I have checked my report and found some accounts with incorrect late payment notations. These accounts should have no late payment remarks. Kindly remove these remarks and update the accounts as agreed to positive status

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 2025-06-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
We purchased a SUV from a dealer in Mississippi. The dealer initially set up financing with Ally Financial, but then switched to XXXX XXXX Bank when Ally did not accept the loan because we are residents of Louisiana and the sale crossed state lines. The vehicle title was transferred to Ally Financial per the original paperwork and never forwarded to XXXX XXXX. We completed the loan with XXXX XXXX and received a release letter from them. However, the title still shows Ally as the lien holder. 
We have contacted Ally several times via phone and email and have received a notarized release letter from them showing they have no remaining interest in the vehicle. However, the title is electronic and they have not released their hold on the title record. We have been getting a runaround because we did not have a loan with them and they can not seem to figure out who and how to release the title. They have not been cooperative in elevating the issue to someone who can do so or in connecting us with anyone who can do the release. We need to get the title released to transfer the vehicle to XXXX XXXX following an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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 non-monetary relief
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX [ XXXX ] XXXX Date : XX/XX/year> To : XXXX P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Demand for Loan Verification, Breach of Privacy, and Discharge Request Account No : XXXX Dear XXXX  XXXX This letter serves as a formal dispute and Qualified Request for Information under the Higher Education Act, the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and all applicable federal laws. 
I dispute the legitimacy of your servicing or collection activity related to the above-referenced student loan. My student loan was transferred to your company without my knowledge, authorization, or consent. I never received a valid legal notice nor granted permission for this transfer from XXXX XXXX XXXX, XXXX, or any other prior servicer. I did not consent to XXXX servicing my loan or accessing my financial and educational records. 
Furthermore, it has come to my attention that my personal and financial information may have been accessed by third parties, including the Department of Government Efficiency and XXXX XXXX, without lawful authorization or court oversight. This unauthorized access constitutes a serious breach of privacy and a direct violation of FERPA, which protects the confidentiality of student records and requires written consent for third-party access. 
You have a fiduciary and legal obligation to safeguard my personal information and to ensure lawful handling of my account. Given the severity of this privacy breach and its potential consequences, I am formally demanding the following : Immediate cancellation and discharge of any and all student loan debt associated with Account No. XXXX ; A copy of the full account history, including all servicing and transfer records ; Documentation identifying who authorized the transfer and under what legal authority ; Confirmation of all individuals, departments, or third parties who have accessed or viewed my personal information ; Immediate cessation of all collection and reporting activity, including removal from all credit bureaus.

This notice shall serve as your formal opportunity to cure and respond. I expect a complete response within 30 calendar days from your receipt of this letter. Failure to respond, or any further unauthorized handling of my records, may result in legal action and formal complaints filed with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and other appropriate authorities. 
Sincerely, XXXX XXXX Account No : XXXX FTC Report File Number:XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief