vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Reference : Credit Report dated XX/XX/XXXX Bureaus Involved : XXXX XXXX XXXX Creditor/Furnisher : [ Insert student loan servicer name, e.g., XXXXNelnet if applicable ] Dear CFPB Representative, I am writing to formally dispute the reporting of XXXX or more student loan accounts that appear on my credit report as reflected in the XXXX report dated XX/XX/XXXX. 

These accounts are inaccurately marked with late payments or are being reported in collections, despite the fact that : I was not notified in advance that my student loan ( s ) were exiting deferment. 

I did not receive any billing statements prior to the appearance of late payments or negative marks on my credit reports. 

The loan servicer failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) and other federal laws by not providing written notice or a proper billing schedule before negative reporting. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, under 1681i, I have the right to dispute inaccurate or incomplete information and request that it be removed or corrected. 

Because I was not given the opportunity to bring my account current due to the absence of any prior notice or billing, the derogatory reporting is both unfair and unlawful. I respectfully request the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX : My primary Coinbase account has been restricted, due to an older account still existing under my name that I no longer use. 

So in order to get my primary account fully reinstated, I first need Coinbase to close the old account that I no longer use. 

Coinbase is preventing me from closing the account immediately, claiming that there are 'pending transactions '. This is simply false, as this account has been unused since XXXX and there are clearly no pending transactions. 

Since XX/XX/XXXX, I've gone back and forth via email, XXXXXXXX XXXX and phone support and I keep being told to wait and be patient. 

It's now XX/XX/XXXX, and Coinbase is still refusing to close my old account, and reinstate my current primary account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX  FCRA and FDCPA Violations Request for Deletion and Legal Remedies To the Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX for knowingly reporting a collection account to the credit bureaus in violation of federal consumer protection laws. I dispute this debt and request that it be removed from my credit report immediately based on the following : XXXX. Violation of the Fair Credit Reporting Act ( XXXX  ) Statute : XXXX U.S. Code XXXX XXXX XXXX  is reporting a derogatory collection account without first verifying the accuracy or legitimacy of the debt, a direct violation of : XXXX ( a ) : Furnishers of information must ensure the accuracy of what they report. 
XXXX ( b ) : After being notified of a dispute, they must conduct a reasonable investigation within XXXX  days. 

They have failed to provide any documentation validating the debt or confirming its accuracy, and yet continue to report it. This causes direct and material harm to my credit profile and financial well-being. 



XXXX. Violation of the Fair Debt Collection Practices Act ( XXXX  ) Statute : XXXX U.S. Code XXXX ( b ) and XXXX ( XXXX ) XXXX XXXX has also violated the FDCPA by : Continuing to report the debt without providing proper validation when I disputed it. 
Misrepresenting the debt to credit reporting agencies by failing to mark it as disputed. 
These actions are violations of XXXX ( b ) and XXXX ( XXXX ). 



XXXX. Legal Remedies and Right to Sue Under federal law, I am entitled to pursue monetary damages for each violation : FCRA Violations : Up to {$1000.00} per violation under XXXX U.S. Code XXXX ( willful noncompliance ) Actual damages and attorneys fees under XXXX for negligent noncompliance. 
FDCPA Violations : Up to {$1000.00} statutory damages per lawsuit under XXXX U.S. Code XXXX ( a ) Plus actual damages and court costs. 

I reserve the right to pursue these legal remedies if XXXX XXXX does not cease illegal reporting activity and remove the account. 



Requested Resolution XXXX. Immediate deletion of the collection account from Equifax, Experian, and TransUnion. 
XXXX. Written confirmation that XXXX XXXX will not reinsert the tradeline unless full legal validation is provided. 
XXXX. Full investigation into XXXX XXXX collection and reporting practices. 
XXXX. Any appropriate enforcement action by the CFPB. 

Please update me regarding the outcome of this investigation. I appreciate the CFPBs role in protecting consumers like myself from illegal collection and reporting practices. 

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 explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
my wallet was stolen in XXXX late in the year while out of state. i went to the police station, got a police report and i also filed it with all XXXX  credit bureaus. also i sent copies of report to all credit bureaus. also i found out that XXXX  and XXXX  has sold my information and i was contacted by a class action Attorney. i was added to the data breach lawsuit from my understanding. so the last things are XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX  all from around XXXX THEY ARE NOT MINE.i have also sent certified letters to all credit bureaus with a copy of my Drivers License, Social security card, and mail from the IRS with my name and address visible. as well as the current postage date present new mail was within 30days. Also the proper letters were sent with article 21 and section c -numbers that state by law what must be done or I will have have an attorney contact said companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Heres the text I received from Chase yesterday. Chase : We need more information about your Chase account ( XXXX ) ending in : XXXX To continue using your account ( XXXX ), please call us at the number on the back of your debit card or account statement. Your account ( XXXX ) may be closed soon unless you take action. Msg & Data rates may apply. 

They closed my account and I cant get my paycheck that should have been deposited today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 did not open these accounts please remove immediately. This is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
I did not open these accounts please remove immediately. This is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I am writing to formally file a joint complaint to both the Federal Trade Commission ( FTC ) and the Securities and Exchange Commission ( SEC ) concerning C

oncora Credit, a company that is demanding consumers send them sensitive personal informationspecifically, a physical copy of their Social Security cardunder troubling and opaque circumstances. Concora Credit initially communicates via mailed letters that request a copy of a government-issued photo ID and a utility bill to verify identity. However, upon contacting their customer service by phone, I was pressured into mailing a physical copy of my Social Security carda request that was not documented in any written communication or official company letterhead. I expressed concerns about this unusual demand and requested confirmation in writing, but the company has refused to document the request, raising serious questions about their intent and data security practices. 

I recorded the entirety of the phone call, in which their representative attempted to coerce me into providing this sensitive document without adequate written justification or assurance of data protection. This behavior appears to violate basic principles of consumer protection, privacy, and potentially federal regulations regarding the handling of personally identifiable information ( PII ). 

I am requesting that your agencies investigate the following : Whether Concora Credits request for Social Security cards without written justification violates FTC guidelines or SEC compliance requirements ; Whether they have proper procedures in place for securing sensitive personal information ; If these practices could represent deceptive, coercive, or non-compliant behavior. For the record, I am willing to provide a copy of the recorded phone call to support this complaint, as well as the letter I received from Concora Credit
.

Consumers should never be pressured into surrendering sensitive identity documents without clear written requests, documented policies, or appropriate security assurances. I respectfully urge your agencies to look into this matter and take appropriate regulatory or enforcement action if violations are found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
As reported numerous times over the past several years, A forged signature and removal of my name from a propertys title and deed ( XXXX XXXX XXXX, XXXX, MA, XXXX ) is a serious matter involving potential fraud and theft. Here are the steps I have taken : XXXX. Hired a Real Estate Attorney- XXXX XXXX XXXX I have verified the fraudulent transaction by attorney XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  and the title company. I have filed a legal action to reverse the deed. I have reported the fraud to the appropriate authorities. 

XXXX. I have reported the XXXX XXXX XXXX XXXX XXXX XXXX Contacted the XXXX XXXX XXXXXXXX XXXX XXXX which covers XXXX. 
Explained that my name was fraudulently removed and requested a copy of the recorded deed. 
Asked about placing a Notice of Fraud or other alert on the property. 

Website XXXX XXXX XXXX XXXX XXXX. I have filed a Police Report the XXXX Police Department is aware of the criminal report for forgery and real estate fraud. 

My credit score has been impacted negatively and updates are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
As reported numerous times over the past several years, A forged signature and removal of my name from a propertys title and deed ( XXXX XXXX XXXX, XXXX, MA, XXXX ) is a serious matter involving potential fraud and theft. Here are the steps I have taken : XXXX. Hired a XXXX XXXX Attorney- XXXX XXXX XXXX I have verified the fraudulent transaction by attorney XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  and the title company. I have filed a legal action to reverse the deed. I have reported the fraud to the appropriate authorities. 

XXXX. I have reported the XXXX XXXX XXXX XXXX XXXX XXXX Contacted the XXXX XXXX XXXX XXXX XXXX, which covers XXXX. 
Explained that my name was fraudulently removed and requested a copy of the recorded deed. 
Asked about placing a Notice of Fraud or other alert on the property. 

Website XXXX XXXX XXXX XXXX XXXX. I have filed a Police Report the XXXX Police Department is aware of the criminal report for forgery and real estate fraud. 

My credit score has been impacted negatively and updates are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NJ

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

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy # XXXX - Date Opened 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 2025-05-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: TN

Complaint narrative:
I filed a complaint earlier in XXXX about credit Sage charging me over {$400.00} before any services were provided. They said they sent out letters but they cant bill until something is actually changed on the credit report. They said I became agitated at speed of things. No, I am agitated they lied on the phone and said they would charge a fee once and continued to take money out of my account when I am on a limited income. It caused my checking account to go into overdraft and cost me more money. I sent another email twice demanding my money be refunded in full. They have ignored me.. 
They lied on the previous response. I didnt become agitated. I investigated and found out that they lied. They promised another debt in litigation would be eliminated altogether and I wouldnt have to deal with it at all. The only thing that has happened is cause me more problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am writing to formally dispute a fraudulent debt collection account reported by XXXX XXXX XXXX  in the amount of {$1400.00}. The account ( XXXX ) in question was allegedly opened on XX/XX/year>, and subsequently charged off in XX/XX/year>. 

I am a victim of identity theft, and I did not open this account, authorize its use, or benefit from any transactions related to it. I discovered this account on my credit report and immediately recognized it as unauthorized. I have no knowledge of this account and did not have any dealings with XXXX XXXX XXXX  during the time it was supposedly active. 

Actions Taken : I have filed a report with the Federal Trade Commission ( FTC ) at identitytheft.gov and created an Identity Theft Report. 

I have disputed the item with the credit reporting agencies and requested an investigation under the Fair Credit Reporting Act ( FCRA ). 

I requested validation of the debt from the collection agency, but no adequate documentation proving the debts legitimacy or my responsibility has been provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Collectors International, Inc.
State: TX

Complaint narrative:
A company called Debt Collectors International ( DCI ) has been repeatedly contacting my business with aggressive and unwanted collection calls regarding an alleged debt. Despite not recognizing the debt and not having received any documentation validating the claim, they began contacting us by phone starting in early XX/XX/2025. 

We have received multiple calls from different representatives, sometimes several in a single day, which has disrupted our business operations. Their tactics include pressuring us to agree to their collection services and implying legal action without substantiating the debt or providing clear documentation. 

As of XX/XX/2025, we have not received any formal written notice as required under the Fair Debt Collection Practices Act ( FDCPA ) that outlines the details of the debt, nor have they honored verbal requests to cease calling. 

We are requesting that all communication cease immediately and that no further contact be made with our business unless it is in writing and includes proper validation of any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : TransUnion Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Type : XXXX  XXXX Bankruptcy Discharged Date Filed : XX/XX/XXXX Account Name : XXXX XXXX Dealer XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date account was opened : XX/XX/XXXX Equifax Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$99000.00} Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Experian Account Name XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$4500.00} Date account was opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX Auto Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Balance : {$1400.00} Date account was opened : 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 non-monetary relief