vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
Good day. I cant stress enough how frustrating and debilitating this situation is. I woke up XXXX day to find a debt that I know nothing about, completely unverified and absolutely not mine. Since then, Ive been receiving constant harassment across multiple communication channels, with threats of legal action that no innocent consumer should ever have to endure. This is deeply insulting to me as a law-abiding citizen and a clear violation of my consumer rights. Its been taking a toll on my mental health, and Ive had sleepless nights over this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: MO

Complaint narrative:
This letter serves as a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines. I am disputing the accuracy and validity of the following items listed on my credit report : XXXX. Collections / Charge-Offs / Derogatory Items Your report includes entries marked as collections, charge-offs, or derogatory without verification or proper Metro 2 formatting. These entries may violate : o FCRA 607 ( b ) : Maximum possible accuracy o FCRA 611 ( a ) ( 1 ) ( A ) : Reasonable investigation o FCRA 611 ( a ) ( 5 ) : Deletion of unverifiable information o XXXX  & XXXX  Data Breaches : Increased identity theft risk XXXX. Inquiries Not Tied to Positive Accounts I noticed multiple inquiries on my report that are not linked to any open or positive accounts, which constitutes a violation under : o FCRA 604 ( a ) ( 3 ) : Permissible purpose requirement o FDCPA 807 : False or misleading representation These inquiries, listed without associated active accounts, must be removed as they lack permissible purpose or documentation : Creditor Unknown - XX/XX/XXXX Creditor Unknown - XX/XX/XXXX Creditor Unknown - 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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
About XXXX years ago I invested a small amount of money ( {$5000.00} ) in crypto currency with Coinbase. About a month ago I decided to sell the crypto and cash out. XXXX refused to do this. Instead the have sent me about XXXX different formats which supposedly allow me to do this myself. I have spent at least XXXX hours doing things like uploading my drivers license, filling in various pages on their website, etc. None of these things works. The last time I complained Coinbase said I could file a formal complaint. 

After I filed the complaint I get an email from XXXX saying there must be something wrong my computer or iphone. 

Meanwhile, the value of my cyrpto has dropped. I simply want them to sell my crypto and send me a check for the proceeds. They refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
I have been a victim of identity theft several times in the last XXXX decades. I have recently became a victim of identity theft in the Equifax Data Breach ( Engagement ID XXXX ). I have tried on several occasions to get XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX removed from my credit report. I have included the FTC identity theft affidavit as well as a copy of my driver 's license and social security card for identity verification purposes. I would like for Equifax to remove this account immediately and mail me a copy of my credit report reflecting the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
I am asking for assistance against TransUnion regarding several accounts that continue to be reported on my credit file even after my previous dispute dated XX/XX/year>. While some items were removed, the following accounts remain on my report even though I did not authorize them to be reported : XXXX XXXX account # XXXX, XXXX  account # XXXX XXXX and XXXX, XXXX XXXX  account # XXXX. These accounts should not be listed on my consumer report, and their continued reporting is causing ongoing harm and confusion. 

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in the information it reports about consumers. The accounts listed above were not authorized by me to be reported. Their continued presence violates the accuracy and permissible purpose requirements of the FCRA. Additionally, under 15 U.S.C. 1681i, if an item can not be fully verified with proper documentation, it must be deleted from the consumer report. I previously filed an FTC Identity Theft Report for similar unauthorized accounts, and I intended to file a new report for these remaining accounts. However, the FTC website is currently unavailable due to the government shutdown and states, Due to the government shutdown, we are unable to offer this website service at this time. Because of this, I attached my previously filed FTC Identity Theft Report as supporting documentation to show the ongoing pattern of unauthorized reporting. 

I am requesting that the CFPB require TransUnion to complete a proper reinvestigation, provide clear documentation showing how each of these accounts was verified, or permanently remove the accounts that can not be proven as authorized and accurate. I am also requesting that TransUnion send me an updated corrected credit report once the deletions are completed. At this point, I am asking for the CFPBs assistance to ensure compliance and prevent continued inaccurate 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 non-monetary relief
Consumer complaint received 2025-10-27 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: AR

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so XXXX constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-10-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear Macys, I am writing regarding the above-referenced account, which has been reported as charged-off and closed, with a profit and loss write-off. 
For my tax records, I am requesting a copy of IRS Form XXXX related to this account. If a XXXX was filed with the IRS, please provide me with a copy at your earliest convenience. 
If no XXXX was issued, I kindly request written confirmation of that fact for my records. 
Please mail the requested information to the address listed above. If you require additional information to process this request, you may contact me by phone or email. 
Thank you for your assistance.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX, regarding a rental collection account reported inaccurately on my consumer report. The account in question shows a balance of {$2000.00} with a delinquency date of XX/XX/XXXX, status closed, and reported again as recently as XX/XX/XXXX. 

I have disputed this account multiple times in writing with Transworld Systems Inc. ( TSI ), the debt collector allegedly handling the account, but they have never responded to my dispute letters. This failure to respond violates FCRA 611 ( 15 U.S.C. 1681i ), which requires furnishers to investigate disputes within 30 days.

Because of the lack of response, I filed a formal complaint on Transworld System Inc with the CFPB ( Case ID XXXX ) and also with the Attorneys General in Texas and Pennsylvania. This account remains under active dispute. 

Despite being under dispute, the account continues to be reported with a negative rating and unpaid status without any notation of my ongoing dispute. This violates FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), which requires furnishers to report the account as disputed when notified by the consumer. 

The account is factually inaccurate and unverifiable. The Notes section even shows Failed ; settings autoscore, which demonstrates automated scoring or incomplete data rather than verified, accurate reporting. Yet the tradeline remains. 

This inaccurate and unresolved collection has caused me direct and material harm. I am currently experiencing housing instability because landlords are using this report to deny me rental housing. Despite XXXX already confirming I have no eviction filings or judgments, this inaccurate XXXX XXXX tradeline continues to create barriers and hardship. 


FCRA 611 ( 15 U.S.C. 1681i ) Failure to investigate and respond to disputes.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Reporting information known or reasonably should be known to be inaccurate.

FCRA 623 ( a ) ( 3 ) Failure to report account as disputed.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to maintain maximum possible accuracy in consumer reporting.

Immediate deletion of this account from my consumer file due to the furnishers failure to verify, investigate, or accurately report the tradeline. 

Cease reporting the balance or any negative status to consumer reporting agencies. 

Provide written confirmation of deletion and compliance with the FCRA. 

This account has already been challenged through proper channels, ignored by the furnisher, and is now actively harming my ability to secure stable housing. I demand its permanent deletion as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Capital One falsely reported multiple missed payments despite my account being on active autopay with sufficient funds. After reviewing my payment history, I discovered that Capital One changed my autopay routing from my verified external bank to an internal Capital One routing number without authorization or notice. This unauthorized change caused false returned payment reports and credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for continued reporting of an alleged collection account that is not mine. This account has been disputed multiple times with both the furnisher and the credit bureau, and LVNV Funding has failed to provide any legally required documentation verifying the debt. 

This account appears on my XXXX XXXX XXXX XXXX report as opened XX/XX/year>, in the amount of {$500.00}. I have never received a signed agreement, billing statements, or assignment proving ownership of the alleged account. Repeated requests for validation under 15 U.S.C. 1692g ( b ) ( FDCPA ) and reinvestigation obligations under 15 U.S.C. 1681i ( a ) ( FCRA ) have been ignored.

Continued reporting of unvalidated information constitutes willful noncompliance with 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681n, exposing LVNV Funding LLC and XXXX  to liability.

I am demanding that this account be deleted within 7 days of this notice as there is no proof of liability or permissible purpose under 15 U.S.C. 1681b. 

I request confirmation from both the CFPB, LVNV Funding LLC, XXXX XXXX XXXX XXXX that this account has been permanently removed from my credit file and that LVNV Funding is instructed to cease all reporting activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This debt does not belong to me. Im not aware of this past due amount or this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request that these accounts be reviewed, and if they can not be verified as accurate, removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AL

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Good day. I cant stress enough how frustrating and debilitating this situation is. I woke up XXXX day to find a debt that I know nothing about, completely unverified and absolutely not mine. Since then, Ive been receiving constant harassment across multiple communication channels, with threats of legal action that no innocent consumer should ever have to endure. This is deeply insulting to me as a law-abiding citizen and a clear violation of my consumer rights. Its been taking a toll on my mental health, and Ive had sleepless nights over this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute a hard inquiry that appears on my credit report. I did not authorize this credit inquiry, nor did I apply for credit with any of these companys.

Under the Fair Credit Reporting Act ( FCRA ), I request that this unauthorized inquiry be investigated and removed from my credit report. Please provide written confirmation of the results of your investigation.

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 2025-10-27 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute a hard inquiry that appears on my credit report. I did not authorize this credit inquiry, nor did I apply for credit with any of these companys.

Under the Fair Credit Reporting Act ( FCRA ), I request that this unauthorized inquiry be investigated and removed from my credit report. Please provide written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: VA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation