vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT AND HARD INQUIRIES from my credit report. 
ACCOUNT : XXXX XXXX XXXX acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT AND HARD INQUIRIES from my credit report. 
ACCOUNT : XXXX XXXX XXXX acct 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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: GA

Complaint narrative:
This company is attempting to collect a debt I do not own. The amount is {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Good afternoon, i opened a credit card XXXX XXXX  in XXXX of this year theough synchrony bank. Apparently they have a preselected box to enroll in added security for the card, which has cost me and extra {$140.00} so far. In their app it shows up as a late fee, so i called them today to cancel the added security, but i think i should be reimbursed because i didnt check any box, for any reason to have added useless security

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 2025-07-18 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orions Management Group, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Orions Management RE : Immediate Deletion Demand Account # XXXX {$640.00} To Whom It May Concern, This letter serves as your formal dispute and final demand regarding the account listed under Account Number XXXX, in the amount of {$640.00}, which you are reporting to the credit bureaus under my personal information. 

Let me be absolutely clear : You have failed to provide proper validation of this debt as required by federal law. A bill, invoice, or summary from the original creditor is not legal validation. Until you produce the required documentation, you have no legal right to report or collect on this debt. 

You Are in Direct Violation of the Following Federal Consumer Protection Laws : 15 U.S. Code 1692g ( b ) You must cease all collection efforts and reporting until full and proper validation is provided.

15 U.S. Code 1681s-2 ( a ) You are required to furnish only complete, verified, and accurate information to credit bureaus.

Fair Credit Reporting Act 609 ( b ) You must disclose the source of information and verification method used to validate the debt. 
Fair Credit Reporting Act 605 ( b ) You may not report unverified, obsolete, or inaccurate information.

UCC 3-501 I hereby demand the original contract bearing my wet signature, as proof of any alleged obligation.

UCC 1-308 I reserve all rights under the Uniform Commercial Code without prejudice.

You Have Not Provided : A signed, legally binding contract proving my consent to this alleged debt A detailed itemized breakdown of the {$640.00} balance Proof that Orions Management is the legal owner or properly assigned collection agent A copy of your active debt collection license for the State of Illinois FINAL DEMAND 15 DAYS TO COMPLY : You are hereby instructed to immediately delete this account from Experian, Equifax, and TransUnion within XXXX calendar days of the date of this letter. 

Failure to comply will result in the following actions : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Reports filed with the Federal Trade Commission ( FTC ) and the Illinois Attorney Generals Office Civil legal action pursued for violations of the FDCPA, FCRA, and UCC, including claims for defamation, emotional distress, and credit damage This is your final warning. Cease and desist all collection activities immediately and remove this unvalidated, inaccurate, and damaging tradeline from my credit reports. Any further communication without proper legal proof will be recorded as harassment and will be added to my formal complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DHI Mortgage Company
State: TN

Complaint narrative:
I am a service-disabled veteran attempting to use my VA Home Loan benefit through DHI Mortgage. My application was denied after DHI relied on a verbal phone call with someone they claim was from my employers HR department. They also rejected a written email from my supervisor that supported my ability to work remotely and maintain income but provided no written standards for doing so.

DHI has admitted in writing that " no document exists '' regarding the HR phone call and that their denial was based on " verbal communication. '' I am currently working to confirm whether this phone call ever took place and what was said. I was told that this was done through their company 's " regular procedure. '' Despite my continued efforts and submission of updated information, DHI closed my loan application and failed to offer a clear process for resubmission. This situation raises concerns about noncompliance with VA lending guidelines, investor requirements ( e.g., XXXX XXXX XXXX ) , and federal consumer protection regulations.

I have since submitted a new application, but remain concerned about potential retaliation and the handling of my original file. I am happy to provide additional supporting documentation including emails and screenshots upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-18 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: OH

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 non-monetary relief
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX RE : Immediate Deletion Demand Multiple Invalid and Duplicated Collection Accounts To Whom It May Concern, This letter serves as your formal dispute and final demand regarding the following collection accounts being reported under my personal information. These accounts are either unvalidated, inaccurate, or duplicated, and their continued presence on my credit profile is a direct violation of federal consumer protection laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have failed to provide proper legal validation for any of these accounts. Let me be absolutely clear : A previous bill or statement from the original creditor is not legal validation. 
Until you produce the required documentation, you have no legal right to collect on or report these accounts.

You Are in Violation of the Following Federal Laws : 15 U.S. Code 1692g ( b ) Collection must stop until proper validation is provided.

15 U.S. Code 1681s-2 ( a ) You must report only verified and accurate information. 
FCRA XXXX ( b ) You must disclose the sources and verification methods used. 
FCRA 605 ( b ) You are prohibited from reporting obsolete, unverifiable, or misleading data.

UCC 3-501 I demand the original, wet-ink signature agreement as proof of obligation.

UCC 1-308 I reserve all rights under the Uniform Commercial Code without prejudice.

You Have Not Provided : A signed contract showing I agreed to these alleged debts A full breakdown of how each balance was calculated Legal documentation showing you own or were assigned these accounts Proof of your active debt collection license in the State of Illinois FINAL DEMAND 15 DAYS TO COMPLY : You are hereby instructed to immediately delete all XXXX accounts from Experian, Equifax, and TransUnion within XXXX calendar days from the date on this letter. 

Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Reports to the Federal Trade Commission ( FTC ) and the Illinois Attorney Generals Office Immediate legal action for violations of the FDCPA, FCRA, and UCC, including claims for defamation, negligent reporting, and emotional distress This is your final warning. Cease and desist all collection activities and delete these unvalidated, inaccurate, and damaging tradelines immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: OH

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 explanation
Consumer complaint received 2025-07-18 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 inform you that I have been a victim of identity theft, which has seriously affected my life. Someone has used my personal information without my consent to open an account that has absolutely nothing to do with me. This situation has caused me great distress and left me feeling extremely vulnerable. I urgently and sincerely request the immediate BLOCKING and complete removal of this fraudulent account, as it does not belong to me and is unfairly damaging both my record and my peace of mind. The fraudulent inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX Experian ; XXXX XXXX XXXX inquired on XXXX XXXX XXXX TransUnion ; XXXX inquired on XXXX XXXX XXXX Equifax ; XXXX XXXX inquired on XXXX XXXX XXXX TransUnion ; and XXXX XXXX inquired on XXXX XXXX XXXX Experian.  These inquiries are negatively impacting my credit profile and were not authorized by me. I am requesting that these fraudulent inquiries be BLOCKED immediately.

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 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I am unable to access my Coinbase account, which currently holds approximately {$1300.00} in crypto investments. On XXXX XXXX XXXX, I received confirmation that my ID was successfully verified. Despite this, I still can not log in. 

When I try to access the app, XXXXXXXX XXXX appears to work but the screen just goes grey and freezes. The login process then loops back to the beginning. On desktop, Im prompted to confirm my passkey, but that also leads nowhere. Ive tried using multiple devices and browsers with no success. 

I have followed every instruction given including uploading my ID multiple times and received confirmation that my identity was verified. However, XXXXXXXX XXXX is still required to complete the login, and it does not function properly. 

I have attempted to call Coinbases phone number, but you can not reach a human unless youre logged in which is the exact issue. The phone line refers you back to the website. The website then sends you into the same loop : submit ID, get verified, fail at XXXXXXXX XXXX, repeat. 

Coinbase has marked my support ticket as resolved, even though nothing has been fixed and I still have no access to my funds. Ive attached screenshots showing the verification email, the broken XXXXXXXX XXXX screen, and the passkey prompt. 

I am requesting immediate access to my account or contact with someone who can provide real support and help resolve this issue. The lack of options to speak with a human being, especially when money is at stake, is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This has been stressful t mobile has been putting an account that doesnt belong to me on my credit for different times I showed him proof with the police report that its not mines. They take it out and they end up sending it to another collection agency which is 100 % illegal Im already in talk with an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AZ

Complaint narrative:
I did not authorize or open these fraudulent accounts and was unaware of them. Request removal within XXXX  days according to XXXX XXXX. Relevant documents enclosed.

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 2025-07-18 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: NY

Complaint narrative:
XXXX XXXX {$4400.00} I am disputing this account because I have no knowledge of it and do not believe it belongs to me. The account shows it was opened on XX/XX/year>2023 and last active on XX/XX/year>2023. I contacted XXXX directly but was unable to obtain any information because they require a 4-digit PIN that I do not have and never received. I also submitted disputes with all three credit bureaus. Since I have no connection to this account and can not verify or access any details related to it, I am formally requesting that this account be removed from my credit 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