vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: Loqbox US Inc
State: TX

Complaint narrative:
MY WALLET WAS STOLEN WITH MY CREDIT CARDS AND PERSONAL PERSONAL INFORMATION WAS COMPROMISED. I HAVE SUBMITTED THE POLICE REPORTS ALONG WITH CONSUMER FAIR ACT CREDIT LAWS 15 USC 1666b,15 USC 1637 ( b ), 15 USC 1681s-2, 15 USC 1681i, 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ) , 15 USC 1681s-2 ( A ) , 1098-C, 15 USC 1666b, 15 USC 1681i, 15 USC 1681s-2. PLEASE REMOVE THEM PERMANENTLY FROM ALL THREE CREDIT BUREAUS AND CREDITORS

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 2025-06-11 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: Kovo
State: TX

Complaint narrative:
MY WALLET WAS STOLEN WITH MY CREDIT CARDS AND PERSONAL PERSONAL INFORMATION WAS COMPROMISED. I HAVE SUBMITTED THE POLICE REPORTS ALONG WITH CONSUMER FAIR ACT CREDIT LAWS 15 USC 1666b,15 USC 1637 ( b ), 15 USC 1681s-2, 15 USC 1681i, 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ) , 15 USC 1681s-2 ( A ) , 1098-C, 15 USC 1666b, 15 USC 1681i, 15 USC 1681s-2. PLEASE REMOVE THEM PERMANENTLY FROM ALL THREE CREDIT BUREAUS AND CREDITORS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sunbit, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft under 18 U.S.C. 1028 and am reporting the unauthorized use of my personal information that has resulted in the fraudulent reporting of accounts on my credit report. These accounts were opened or reported without my knowledge or consent, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires accurate and verifiable reporting. Pursuant to 15 U.S.C. 1681c-2, I am requesting a block and removal of all fraudulent information. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), it is unlawful to report false or misleading information to a consumer reporting agency. I also invoke my rights under 15 U.S.C. 1681g and 1681i to obtain and dispute inaccurate information. I did not authorize or initiate these accounts and request immediate investigation, removal, and protection of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-11 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I am formally disputing a collection account listed on my credit report from the following entity : - Creditor/Collection Agency : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Type of Account : Collection - Reason for Dispute : Violation of consumer protections under 15 U.S.C. 1692 ( c ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( c ), a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known to be inconvenient to the consumer, or after being notified in writing to cease communication. I have reason to believe that this collection account was placed and/or communicated in violation of these protections. 
This entry is inaccurate and in violation of my consumer rights. I hereby request the immediate investigation and removal of this collection account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i. Please provide written confirmation of the results of your reinvestigation and a corrected copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as your final and formal notice to immediately CEASE AND DESIST all forms of contact with me regarding any alleged debt or account associated with Genesis XXXX XXXX XXXX, XXXX XXXX, or any other entity using my personal information without consent. I am a documented victim of identity theft, as verified by my FTC Identity Theft Report ( No. XXXX ), and I have explicitly informed your office that I do not owe this alleged debt. 

Despite multiple written and verbal requests to stop contacting me by phone, email, and any other medium, you have willfully continued to harass and violate my rights, even after I opted out of all communication. This is a blatant violation of the following federal laws : Violated Statutes : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( a ) ( 1 ) You are prohibited from contacting me after being notified in writing to cease communication.

FDCPA, 15 U.S.C. 1692d Harassment, oppression, and abuse are strictly forbidden in the collection of any debt.

FDCPA, 15 U.S.C. 1692e False, deceptive, or misleading representations in the collection of a debt are illegal.

Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 You are in violation if you continue to contact me via automated or unsolicited calls or texts after revocation of consent.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 You are required to block identity theft-related information upon notice and documentation.

UCC 3-401 I have never signed, authorized, or consented to any contract with your company. No valid obligation exists.

Cease & Desist Demands : I am demanding that you immediately and permanently : Cease all communication with me by phone, text, email, or any other method Cease all attempts to collect this alleged debt, which is the result of identity theft Cease all credit reporting activity regarding any fraudulent account ( s ) linked to my name Provide written confirmation within 10 business days that you have complied with this cease and desist request Be Advised : Failure to comply with this notice will be interpreted as willful noncompliance and harassment, and I will pursue legal remedies under applicable federal and state consumer protection laws. This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas Attorney General, and initiating civil litigation seeking statutory damages, attorneys fees, and any other relief permitted under law.

I expect your immediate and full compliance with this legal notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as your final and formal notice to immediately CEASE AND DESIST all forms of contact with me regarding any alleged debt or account associated with XXXX XXXX XXXX XXXX, XXXX XXXX, or any other entity using my personal information without consent. I am a documented victim of identity theft, as verified by my FTC Identity Theft Report ( No. XXXX ), and I have explicitly informed your office that I do not owe this alleged debt. 

Despite multiple written and verbal requests to stop contacting me by phone, email, and any other medium, you have willfully continued to harass and violate my rights, even after I opted out of all communication. This is a blatant violation of the following federal laws : Violated Statutes : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( a ) ( 1 ) You are prohibited from contacting me after being notified in writing to cease communication.

FDCPA, 15 U.S.C. 1692d Harassment, oppression, and abuse are strictly forbidden in the collection of any debt.

FDCPA, 15 U.S.C. 1692e False, deceptive, or misleading representations in the collection of a debt are illegal.

Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 You are in violation if you continue to contact me via automated or unsolicited calls or texts after revocation of consent. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 You are required to block identity theft-related information upon notice and documentation.

UCC 3-401 I have never signed, authorized, or consented to any contract with your company. No valid obligation exists. 

Cease & Desist Demands : I am demanding that you immediately and permanently : Cease all communication with me by phone, text, email, or any other method Cease all attempts to collect this alleged debt, which is the result of identity theft Cease all credit reporting activity regarding any fraudulent account ( s ) linked to my name Provide written confirmation within 10 business days that you have complied with this cease and desist request Be Advised : Failure to comply with this notice will be interpreted as willful noncompliance and harassment, and I will pursue legal remedies under applicable federal and state consumer protection laws. This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas Attorney General, and initiating civil litigation seeking statutory damages, attorneys fees, and any other relief permitted under law. 

I expect your immediate and full compliance with this legal notice. 

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 non-monetary relief
Consumer complaint received 2025-06-11 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 SC XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: Media Collections, Inc
State: FL

Complaint narrative:
I am formally disputing a collection account listed on my credit report from the following entity : - Creditor/Collection Agency : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Type of Account : Collection - Reason for Dispute : Violation of consumer protections under 15 U.S.C. 1692 ( c ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( c ), a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known to be inconvenient to the consumer, or after being notified in writing to cease communication. I have reason to believe that this collection account was placed and/or communicated in violation of these protections. 
This entry is inaccurate and in violation of my consumer rights. I hereby request the immediate investigation and removal of this collection account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i. Please provide written confirmation of the results of your reinvestigation and a corrected copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 GA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
I am submitting this complaint to TransUnion about inaccurate information on my credit report that has not been validated, confirmed, or physically verified. 

I have found entries that appear erroneous and remain unverified. Under my federal and state consumer rights, I have the right to demand their immediate removal. This notice also ensures your reporting follows the requirements of FACTA Title I, Section 151, which outlines proper verification procedures.

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been a Coinbase One member for over 2 years now - my membership for my third year just renewed on XX/XX/year>. I was primarily paying for the service because it included {>= $1,000,000} of financial protection from Coinbase. 

In XXXX, they had a large data breach, including all of my personal information and my private email. They then subsequently lowered the financial protection for Coinbase XXXX from {>= $1,000,000} to {$10000.00}. 

I reached out asking for a refund for my year subscription, and they would not give me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-11 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: MI

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 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 2025-06-11 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:
" I have repeatedly notified Equifax of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights ''

Company response to consumer: Closed with explanation