vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I received an email notification from XXXX that I had an account sent to collections. I had no knowledge of this debt at all, let alone it being in Collections status. I attempted to call the phone number for the company collections listed on my credit report but got a voicemail. The collection seemed fraudulent, so I opened a dispute through XXXX for account. The dispute came back saying the account would not be removed from my report as of XX/XX/XXXX. 

After the dispute came back that the account would not be removed, I called the collection company again. I got them on the phone ( XXXX ), and they informed me that the bill was for an XXXX XXXX on XX/XX/XXXX. 

I asked how I was supposed to know of this debt, and that I had not received any formal notification in writing for this apparent debt. They said they " attempted to call me '' but I generally ignore unknown numbers as they tend to be spam. When I did answer, the call went about exactly how any other spam/scam call I received has gone and I did not participate in the phone calls. When I asked them why they never left me a voicemail on the matter they said they " can not leave voicemails without permission ''. They claim to have started to attempt this phone contact with me In XXXX of XXXX. They never " received enough information to validate '' me in order to send me an official debt notification in writing. So they just reported this to my credit report without ever officially notifying me. 

This XXXX XXXX  was for an injury received while on XXXX XXXX over a XXXX XXXX in official Military XXXX XXXX in XXXX of XXXX. This was fully covered and approved under a XXXX XXXX XXXX XXXX XXXX XXXX determination. Documentation for which I possess. I informed the collection company of this but they insisted that I have a responsibility to pay the {$970.00}. 

I then called XXXX XXXX ( The location I received care and where the company claims this bill came from. ) Who confirmed there was no balance owed, and no collections notice on my account. They connected me to the XXXX Billing department who informed me that they dont even have information on me receiving care in their system at all. I called the collection company and informed them of this, and they informed me that I still have a responsibility to pay, and if I did not that I would need a letter describing that I do not owe money from the XXXX XXXX XXXX group that sent me to collections. 

I have received a Zero Balance letter from the XXXX XXXX billing, but I have not received any information from the XXXX  Billing department, as they do not have any record of me receiving care in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor has you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ). 

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. 


Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings. 

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

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 2025-04-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Around XXXX I've been getting alerts from my credit bureau XXXX which isn't the problem. the problem is that those alerts are not for me. I don't remember making those purchases or opening new credits cards. late payments, collections, and even hard inquiries pulls

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint on behalf of myself, XXXX XXXX XXXX. Capital One is reporting a closed, charged-off credit card account ending in XXXX in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

Despite the account being closed and charged off in 2024, it is still being reported as " past due '' and updated monthly with delinquency notations, re-aged payment history, and conflicting status fields. 

This account has already been disputed and reinvestigated. Capital One failed to ensure 100 % accuracy ( FCRA 1681e ( b ) ), failed to correct the known errors ( 623 ( a ) ( 2 ) ), and continued reporting false data in willful noncompliance after reinvestigation ( 623 ( b ), 611 ( a ) ( 5 ) ). 

I am requesting full deletion and permanent blocking of this account, along with regulatory enforcement for willful violations. 

I am including my Cease & Block Demand Letter, Sworn Affidavit, and Declaration of Harm as attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am disputing the reporting of a bankruptcy on my consumer file by Lexis Nexis, XXXX, and XXXX  as inaccurate, unverifiable, and unlawfully furnished under multiple sections of the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : You are required to maintain procedures that ensure maximum possible accuracy. 

1681i ( a ) : If information is disputed and can not be fully verified, it must be deleted. 

1681s-2 ( a ) : Data furnishers may not report information known to be inaccurate. 

1681g : I have the right to know where the information came from, which has not been disclosed. 

1681b : No permissible purpose has been given to access or share this data. 

Importantly, U.S. Bankruptcy Courts do not report to credit bureaus, and PACER is not a data furnisher. Any information pulled from such public sources must still be verified and lawfully reported. This entry fails to meet that standard and must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX & Ally Financial I looked at all three credit report agencies XXXX XXXX XXXX on XXXX XXXX2025, and noticed are incomplete and not accurate. And according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). and according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
What happened? I ordered auto parts from XXXX XXXX, XXXX XX/XX/year>. The parts arrived damaged, and I followed their return policy to have them returned promptly and correctly. 

XXXX XXXX, XXXX received them XX/XX/year>. The amount of the purchase was {$560.00}. XXXX XXXX XXXX phone representative acknowledged receiving them on the phone that day and the warehouse would take a few days to send it through the other side. A few more weeks went by and couldn't receive from XXXX XXXX XXXX. 

Then, on XX/XX/year> I disputed it with Citi Bank after I returned them ; XXXX XXXX XXXX received the parts they sent me. Citi temporarily credited my account. XX/XX/year> they reversed the credit. And apparently closed in XXXX XXXX XXXX favor. I reopened XX/XX/year> to dispute it, after Citi Bank sent me a letter asking ; " If I continued to dispute this charge please provide ; Proof you returned the merchandise. Examples of this proof are a postal receipt, tracking number, or a tracer from the shipping company. '' I provided these through email and letter through XXXX and tracked and it was received. 

Citi sided with the merchant and stated they have had no response from XXXX XXXX XXXX, confirming anything and as to why they will not refund the money. 

I also have audio recording to go along with Citi bank stating, they've had no response as to why I shouldn't receive credit. 


XX/XX/year> : You ordered from XXXX XXXX, XXXX. 

Parts arrived damaged, and you returned them following their policy. 

XX/XX/year> : XXXX XXXX confirmed receipt of the return. 

XX/XX/year> : You filed a dispute with Citi Bank after delays and no refund. 

XX/XX/year> : Citi reversed the temporary credit, siding with XXXX XXXX. 

XX/XX/year> : You reopened the dispute, sending proof of return ( e.g., tracking, delivery confirmation ). 

Citi acknowledged receipt of the documents, but as of now, the case remains unresolved.

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 monetary relief
Consumer complaint received 2025-04-30 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:
I am writing to formally dispute the inaccurate and unauthorized information currently appearing on my credit report. In violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information has been reported without my express written consent, leading to the inclusion of accounts that are not associated with any transactions I have personally made. This unauthorized reporting not only compromises the accuracy and integrity of my credit file but also constitutes a potential case of identity theft under 15 U.S. Code 1681c-2. I request immediate investigation and correction of these inaccuracies to restore the accuracy and fairness mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
I am filing a complaint against Experian for failing to correct an inaccurate 30-day late payment reported by XXXX XXXX XXXXXXXX XXXX I previously submitted documented proof directly to Experian ( and/or XXXX XXXX  XXXX ) showing that the payment in question was made on time, yet the derogatory remark remains on my credit report. 
As outlined by the CFPB in Key Dimensions and Processes in the XXXX Credit Reporting System ( Sections 6 & 7 ), credit bureaus often rely on e-OSCAR dispute codes instead of reviewing actual consumer-provided evidence. The CFPB acknowledged that only 26 % of disputes are accompanied by real documentation and that bureaus typically do not forward supporting documents to furnishers, despite their obligation under FCRA 611 ( a ) ( 2 ).

This practice undermines the dispute process and appears to be exactly what happened here my documents were ignored, and Experian likely forwarded a generic code to the furnisher, leading to no correction. This violates both FCRA and reasonable procedures required 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 2025-04-30 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor has you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance.

Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : Cushman v. XXXX XXXX., 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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 am writing to formally dispute the inaccurate and unauthorized information currently appearing on my credit report. In violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information has been reported without my express written consent, leading to the inclusion of accounts that are not associated with any transactions I have personally made. This unauthorized reporting not only compromises the accuracy and integrity of my credit file but also constitutes a potential case of identity theft under 15 U.S. Code 1681c-2. I request immediate investigation and correction of these inaccuracies to restore the accuracy and fairness mandated by 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 2025-04-30 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-30 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have a few XXXX worth of crypto in Coinbase to this day. I was last able to successfully login in XXXX XXXX of 2024. I sold some Crypto and after that I haven't been able to get into my account since then. I didn't change the password, I wasn't hacked, so I don't see why this is happening. I need to get in both for taxes and because it's my account and I should be able to login seamlessly. I reached out to support on XXXX since there's no phone number for customer service but they suggested I do things I've already done like try to recover my account, try logging in on different web browsers, delete the app and re-download it but nothing 's worked. I've tried recovering my account twice, uploaded my ID, changed my password but I keep getting this fall back error and am not genuinely sure that my funds are safe. I no longer know what to do.

Company response to consumer: Closed with explanation