vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
In 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. According to the fair act credit reporting act, When a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) treatment of inaccurate information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item the information is found to be inaccurate, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information has been deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of the following account ) listed on my Experian credit report as of XX/XX/year>. The accounts below have violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) : Accounts in Question : XXXX XXXX : XXXX, Account # : XXXX XXXX XXXX XXXX XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account # : XXXX XXXX XXXX XXXX : XXXX, Account XXXX XXXX XXXX These accounts are being reported inaccurately

, and/or the in formation can not be verified. This violates several provisions of the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 15 U.S.C. 1681i ( 5 ) : If any disputed item is found to be inaccurate or unverifiable after reinvestigation, it must be promptly deleted or modified and the furnisher notified. 15 U.S.C. 1681s-2 ( a ) : Furnishers of information are prohibited from reporting data they know or have reasonable cause to believe is inaccurate. 15 U.S.C. 1681b ( a ) ( 1 ) : No one may furnish consumer information unless its for a permissible purpose and reported accurately. Therefore, I respectfully request that you : 1. Immediately conduct a full reinvestigation into the disputed items. 2. Delete or correct all inaccurate or unverifiable information. 3. Provide me with an updated copy of my credit report showing the results of your reinvestigation. Attached are supporting documents relevant to my dispute. I request that you complete your reinvestigation within the 30-day period required by law. Failure to comply may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to protect my rights under the FCRA.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
On my credit report it says I took out a loan for school which I did not XX/XX/XXXX XXXX Who the heck did them? Prosecuting to the fullest.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am filing this complaint against TransUnion due to their continued and willful violation of the Fair Credit Reporting Act ( FCRA ). I have disputed an account that was already removed by Experian and currently can not be located by Equifax. Despite that, TransUnion continues to report this derogatory item without verifying its accuracy, completeness, or legal permissibility. 

Under FCRA 611 ( 15 U.S. Code 1681i ), TransUnion is required to conduct a reasonable reinvestigation and delete any item that can not be verified. Despite previous disputes, TransUnion has refused to furnish any evidence or documentation validating the accuracy or ownership of this account.

Additionally, I am demanding, under FCRA 609 ( a ) ( 1 ) and 623 ( b ), that TransUnion provide : The original contract or application bearing my wet signature ; Complete payment history and any documentation used to verify this account ; The name and address of the furnisher and how the data was validated ; All dispute records and communications related to this account ; A copy of my full file disclosure as defined under 609.

If TransUnion fails to furnish this documentation within 15 business days, then the information is required to be removed under federal law. Continuing to report unverifiable, potentially inaccurate information despite being on notice creates grounds for legal action under FCRA 616 and 617 which allow for statutory damages and punitive damages for willful noncompliance.

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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
having the feeling i'm being victim of cryptocurrency scam with scam agency being XXXX.XXXX.XXXX, XXXX  hiding under coinbase wallet. 
I'm denied asset withdrawal and or being asked to pay extra fee to gain access to withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
PREVIOUS CASE # XXXX This is a formal response to your communication regarding the account allegedly placed by XXXX for {$340.00}. Let me be abundantly clear : You have provided no legally sufficient validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). 

I have no contract or agreement with Eastern Account System, and as a third-party debt collector, you are obligated to fully validate the debt before taking further collection actions, including reporting to any credit bureau XXXX 

A debt " validation notice '' sent does not equate to verification, especially when I have not received a bill of sale, itemized accounting, or any signed agreement bearing my signature.

Per 15 U.S.C. 1692e ( 8 ), continuing to report inaccurate or unverified debt to credit bureaus constitutes false and misleading representation, a direct violation of federal law.

Reporting a debt without a properly verified chain of title and contractual evidence of liability is unlawful and subject to damages under both the FDCPA and the FCRA. 

Accordingly, you are hereby formally notified that unless this account is removed from all consumer credit reporting agencies within XXXX business days, I will proceed with legal action. This will include seeking statutory damages, attorneys fees, and injunctive relief under both the FDCPA and FCRA, and filing complaints with the CFPB, FTC, and state Attorney General.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XXXX I sent Experian a dispute regarding a fraud related account through XXXX XXXX XXXXXXXX established due to mis-represenation without my consent. Experian recently blocked the account but later without any notification as per 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Reinsertion of Previously Deleted Information This section states : ( i ) A consumer reporting agency may not reinsert into a consumers file information that has been deleted pursuant to a dispute unless the furnisher certifies that the information is complete and accurate. 
( ii ) If any information is reinserted, the consumer reporting agency must : Promptly notify the consumer in writing within XXXX business days of the reinsertion, Include the name, address, and phone number of the furnisher of the information. 
Experian did not provide notification within XXXX business days of reinsertion

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 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PrimeCore Group
State: MD

Complaint narrative:
I have been receiving many texts, e mails and phone calls from a debt collection agency for a {$150.00} payment. On XXXX an agent for this company, XXXX XXXX, sent a screen shot from a home page of my employer with my picture and name. There was no explanation for why this was sent, other than I assume the implied threat that debt details would be shared with my employer in an attempt to tarnish my reputation. This is wholly inappropriate.and I am considering legal action for the great potential harm done.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
Subject : Debt Validation Request under 15 U.S.C. 1692g - FRAUDULENT RENTAL COLLECTION To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt reported on my credit file by your agency, related to a rental account. I do not owe this debt. I have never entered into any lease, agreement, or business relationship with the original creditor associated with this debt, nor have I authorized anyone to do so on my behalf. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. The name and address of the original creditor.

2. A copy of the original lease or agreement bearing my signature.

3. A complete payment history showing how the alleged amount was calculated.

4. Proof that you are legally entitled to collect this debt.

5. Any documentation you have linking me to the property in question.

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 2025-05-10 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: NC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was reviewing my report in XX/XX/XXXX, and realized that there are several fraudulent accounts on my credit report that i did not autorize. these accounts were opened without my knowlegde and appears to be result of identity theft, because they are not mine the fraudulent accounts include : XXXX XXXX opened in XXXX XXXX XXXX XXXX Auto Loan- opened in XXXX XXXXopened in XXXX these accounts were added to my credit report without my 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 non-monetary relief
Consumer complaint received 2025-05-10 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 was reviewing my report in XX/XX/XXXX, and realized that there are several fraudulent accounts on my credit report that i did not autorize. these accounts were opened without my knowlegde and appears to be result of identity theft, because they are not mine the fraudulent accounts include : XXXX XXXX opened in XXXX XXXX XXXX XXXX Auto Loan- opened in XXXX XXXXopened in XXXX these accounts were added to my credit report without my 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 2025-05-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Unauthorized transaction cleared my checking account XX/XX/XXXX : Online Payment XXXX To XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXX/XX/year> Amount taken from account : {$3900.00} I called Chase and was asked some questions, I answered truthfully about knowing nothing of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Modification was denied said DUE TO INCOME! XXXX dated XXXX said can send appeal by XXXX yet a sale stils for XXXX! Refaxed modification with renters income at {$1500.00} per month sent rental agreement and cash rent receipts, roomate/renter has XXXX is going the help. Called HUD said qualify for modifiation at current note rate which a moficaiton is per NOTE, not market rate is not a refinance is a modification. Am back to work full time and have a roomate.renter going to treatments and helping with food etc. Not trying to pay, had issues with ex-felon by who has a restrainging order, just need help cant pay arrears but can start paying mortgage! Thank you very much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MI

Complaint narrative:
Account Not Removed From Credit Report this Account is Not Mines And i haven't received any proof of this account being mines. equifax refuses to remove fraud from my account

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 2025-05-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
Torres credit collections, was placed on credit profile for a bill thats not mine, owed thru XXXX XXXX XXXXhey gave no calls, no mailings just randomly putting collections on peoples accounts so not cool.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: LA

Complaint narrative:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a consumer.

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 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing in reference to the following account ( XXXX ) that your company has reported on my credit report : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Current Balance XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX  Account Name : * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Current Balance XXXX XXXX XXXX XXXX780.00} XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Balance : * * {$0.00} ( Written Off ) XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Current Balance : XXXX XXXX XXXX

Company response to consumer: Closed with explanation