vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
I am submitting this statement response to your recent correspondence indicating that a request regarding my credit information may not have been authorized by me. I appreciate your precautionary action ; however, I would like to confirm that I am the individual making this request and that my intent is to ensure the accuracy and completeness of the information reported under my name and credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681i ), I am exercising my right to dispute and request reinvestigation of any inaccurate or incomplete items in my credit report. Please consider this letter as my formal verification that I am the authorized consumer initiating this request.

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 2025-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Around the first week of XXXX, I sent in all the initial requested information to Selene XXXX. I knew I would not be able to make the payment for XX/XX/year>, and friend gave me money for the mortgage in XXXX ( evident on my bank statement ). After sending in the information and calling in for feedback, the representative on the phone said I needed information and bank statements for XXXX, XXXX, XXXX. I sent in all the information. I wasn't getting feedback online, just that they had received the info. Then I received a mail piece saying they didn't get all the necessary information. I spoke with a rep and told her I did send all the information and she asked me to submit the information again. I did that because everything was already compiled in a folder. They said via the online portal they everything was received and in review. On XX/XX/year>, I tried to submit a payment online like I usually do from borrowed funds because I didn't want to be in foreclosure and very, afraid. Online, there was a message ( in red letters ) saying I could not submit online and that I had to call in the payment. I did that. On XXXX XXXX XXXX, XXXX payments of {$890.00} was taken out of my paycheck. I couldn't afford one, let alone all of my income for food, gas, etc. I called Selene and the rep tried to explain that there was a glitch or update in their system over the weekend and he tried to help me. After about XXXX minutes, he said I could cancel it. I called my bank and submitted a claim, because I have no money to live this month after XXXX mortgage payments mistakenly deducted. The claim take 10 days per my bank. I don't know what I can do. Additionally, with that second payment being deducted, the pending documentation and decision for my forbearance in the online portal just disappeared. It had said that the decision was " Pending. '' I submitted the documents a XXXX time because I don't know what else to do. I have done everything Selene has requested and have submitted all of the documents. I don't know why they won't help me or go through the process?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I use XXXX  and on XXXX I got a notification that I just sent XXXX XXXX  to some energy in California .. about 10 minutes later bout XXXX dollars went to XXXX XXXX I HAVE NEVER HAD XXXX I HAVE XXXX XXXX. I called XXXX  and while talking to the rep XXXX dollars was showing to go to XXXX again, I told the rep that it wasn't me but she said that the only way to help is to let XXXX accept the money which they did. I have filed three appeals and everyone was denied.i was even told that IT HAD TO BE ME THAT SENT THE MONEY BECAUSE IT HAPPENED SO FAST, what ever that means. 
I am XXXX XXXX XXXX and this is one third of my social security check.i cnt pay my car insurance XXXX, light bill XXXX XXXX  keeps saying that they have some protocol that I don't seem to jive with but I gave the honest truth on my side I need my money desperately thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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:
I dispute this account because it does not belong to me and is being reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

2. Identity Theft XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

3. Identity Theft XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

4. Identity Theft XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

5. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

6. Identity Theft XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

7. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this 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 non-monetary relief
Consumer complaint received 2025-11-06 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 am a victim of identity theft. Multiple credit accounts were fraudulently opened in my name while I was a XXXX XXXX XXXX XXXX The following accounts were never authorized or used by me : 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 

My credit file also contains false personal identifiers : names XXXX XXXX, XXXX XXXX, and XXXX XXXX ; and multiple addresses in XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  that are not mine. 

I have attached my SSN card, birth certificate, drivers license, utility bill, XXXX Police Report, and FTC Identity Theft Affidavit proving my true identity and date of birth. 

I request deletion of all fraudulent accounts, names, DOB errors, and addresses from my credit report under FCRA 605B and 611, and confirmation once corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Midland Credit Management ( MCM ) CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dear Sir/Madam, Im writing to formally dispute the validity of the debt that your agency claims I owe. I received a collection notice/ Jugement from your organization XX/XX/XXXX, asserting that I owe a debt of $ XXXXrelated to Account # XXXX Im asking for The following documentation. 

Verification of Debt : Please provide A copy of the original contract or original purchase agreement that created the alleged debt. If the original contract is sent please Include signatures for all parties. Any agreement sent must be with the original creditor. Must include the original terms and conditions of agreement. Including all addendums and riders. That created the alleged debt. 

Proof of ownership : I request proof that your agency has legal authority to collect this debt. Please send proof of chain of ownership of the alleged debt. 
Include proof of assignment for each change of ownership. Proof has to be from the original creditor to the current alleged owner. Without any break in the chain. 

Full Account History : I would like to receive a full and complete accounting history. From the original creditor including the date and amount of each payment transaction related to this debt. Also the date of first delinquency leading to the collection status. 


Kindly provide proof that the fees and interested attached are lawfully agreed upon In the original purchase agreement. 


Doucumention on your Licensing : Please furnish me with your agencys licensing and registration information. As legal proof youre allowed to collect the alleged debt. In the state of Texas including your third party collection bond. 


Please provide proof that your agency or you sent the legally required notices to me. Before reporting this alleged debt to any consumer agencies, including copies of the original notices. And any letter tracking your firm maintains. FTC ( v ) XXXX XXXX XXXX makes it clear that debt parking without proper notices is a violation of consumer rights. 

Please consider this letter as a formal dispute of the debt in question. I kindly request that you respond to this dispute in writing within 30 days. Of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 


Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On the XXXX of XXXX I sent around XXXX $ to my XXXX wallet on Coinbase. Coinbase then locked my account and is refusing me access to any of my funds. Im unable to transfer funds withdraw funds or anything at all. I contacted support verified my id, verified everything they asked me to and support has been no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Captial one has been taken money from me with interest fees regarding credit cards I use from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citibank credit card was stolen and used fraudulently for XXXX XXXX 
On XX/XX/2025. My application for a CITI credit card was approved, and it is a company-issued corporate card. 
On XX/XX/XXXX, my card has still not been received. However, couple unauthorised big transactions suddenly appear. I immediately clicked on the button from the CITI email - " I don't recognize one or more of the transactions ''. I also ask to replace a new card on the CITI manager app. The message said CITI will call me and until then, the transactions will not be approved. 
On XX/XX/XXXX, I found there is a XXXXXXXX XXXX XXXXXXXX transaction to " XXXX XXXXXXXX XXXXXXXX XXXX '' was actually Approved. I called the CITI about the issue and blocked the card. I also filed the dispute on this transaction and waiting for reply. 
Overall, I have never received this credit card, and someone stole my card, activated the card, and made few big transactions in my area.

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 2025-11-06 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: MD

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

2. Identity Theft XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

3. Identity Theft XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

4. Identity Theft XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

5. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

6. Identity Theft XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

7. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this 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
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Identity Theft Blocking CFPB Case No. XXXX / FCRA 605B Compliance To whom it may concern, I am writing in follow-up to my CFPB complaint ( Case No. XXXX ) in which TransUnion stated that there may be potential fraud on my credit report. Because TransUnion has acknowledged this, and because I have submitted a valid identity theft report or Police Report and supporting documentation, I am formally invoking my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( FCRA 605B ). TransUnion has not deleted the fraudulent collection. 
XXXX XXXX XXXXXXXX XXXX XXXX original creditor XXXX. Amount XXXX $ XXXX and XXXX have already completed their investigations and removed the same fraudulent accounts and inquiries from my credit reports. Therefore, TransUnion has no legal justification to continue reporting these items if you have also recognized that I may be a victim of identity theft.

Under FCRA 605B : Once a consumer submits proof of identity theft ( including a police/identity theft report ), the credit reporting agency must block the fraudulent information within four ( 4 ) business days. ( TransUnion failed to do that ) The agency may only refuse to block if the request is found to be false or fraudulent which is not the case here.

- TransUnion keep sending results without any proof.

I have already provided the following documents to TransUnion and/or the CFPB : Identity theft/police report Government-issued identification and proof of address Evidence showing I did not authorize or open the disputed accounts or inquiries Therefore, I am requesting the following actions without delay : 1. Immediate blocking and permanent removal of all fraudulent accounts, inquiries, and any related negative information from my TransUnion credit file.

2. Written confirmation that these items have been deleted pursuant to FCRA 605B.

3. An updated copy of my corrected credit report. 

PS : another dispute is on the transunion website waiting on investigation. I hope finally the investigation results in my favor. 



Failure to comply with this federal requirement will result in further action, including escalation to the CFPB, the FTC, state authorities, and potential civil claims for willful noncompliance under FCRA 616 and 617. 

Thank you for your prompt attention. I expect full compliance and a written response within the time required by law. 

Sincerely, XXXX XXXX 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
I paid the loan. They apparently charged it off but, I paid them. They are also reporting a balance. The option was given to settle. You can't give the option to settle then report it not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent to separate disputes to experian by certified mail and now they are refusing to investigate my disputes per the FCRA. I did send these disputes by mail. It cost money to mail in these disputes.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account being reported is not mine and contains inaccurate information.

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 2025-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: KEYCORP
State: OH

Complaint narrative:
I have reached out to both key bank XXXX XXXX XXXX XXXX XXXX  regarding my student loans and the monthly payments. My monthly payments have increased since I was in grad school from XXXX and they were put into forbearance. They are currently $ XXXX and on top of that I have other expenses plus XXXX children. When I am late on my student loans I get papers in the mail letting me know that I am late and they also state if I need any help making the payment or lowering the payment to call them for help. Every time I have called for help I get the same response, which is there is nothing we can do to help lower your monthly payments. Now mind you I have been paying on this loan since XXXX, which is almost 20 years. XXXX in those years I believe I have had some forbeandes ( only a few months at a time never years until I went back to school in XXXX ) and my loan is still no where near being paid off. When I took out the loans and even when they started going into repayment they were only around $ XXXX and I was never told or even remotely led on that they would ever go up to $ XXXX. I just cant afford this on top of all the everyday living expenses. If I would have known that this loan would be so strict and not have anything they can do to help me lower the payments I would have never taken this out. I feel like because I did not qualify for federal loans at the time that I was forced into these ridiculous private loans just help get me through school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation