vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
The debt being reported is not mine. In XX/XX/year>, I ordered a phone online and created a new XXXX account. When the device arrived, a XXXX representative who appeared to be in training failed to activate it correctly and instead created a second, unauthorized account in my name. 

My phone was activated on the second account, and the original account was left open, unused, and unbilled. I never used or authorized the original account after the representative abandoned it. 

XXXX did not close the unused account, did not notify me of any issue, and eventually sent it to collections without my knowledge. This debt exists solely because of XXXX internal mistake. 

I contacted XXXX many times by phone and in stores. I was transferred, hung up on, and told conflicting information. XXXX XXXX employee even began a process to fix this error but stopped communicating. 

XXXX has already removed this account from my credit report after reviewing my evidence. 

I am requesting : Full validation of the alleged debt Copies of any signed agreements for the original account Investigation into Verizons account creation error Removal of this collection from all credit bureaus Immediate stop of all collection activity This debt does not belong to me and is the direct result of Verizons employee error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AK

Complaint narrative:
On XX/XX/year>, at XXXX XXXX AKST, an unauthorized third party gained access to my Coinbase account. In rapid succession, the perpetrator liquidated multiple cryptocurrency assets and immediately initiated an unauthorized transfer of the resulting XXXX currency, totaling {$5100.00} USD, to an external account labeled " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. '' Coinbase 's Failure to Act Despite Immediate Notice : I discovered the fraud, locked my Coinbase account at XXXX XXXX  AKST on XX/XX/year> ( within minutes of the unauthorized sales ), and immediately contacted Coinbase Support via phone. 

The {$5100.00} USD withdrawal remained in a " Pending '' status for three days. On XX/XX/year>, a Coinbase representative named XXXX confirmed via phone that my account was restricted and assured me that the pending withdrawal would not be processed. 

Despite my immediate notice, the account lock, and the verbal assurance that the transfer was blocked, Coinbase failed to stop the pending electronic fund transfer. The unauthorized {$5100.00} USD withdrawal was allowed to complete on XX/XX/year>. 

Lack of Resolution : I reported this theft to both the FBI IC3 and local law enforcement ( Alaska Department of Public Safety Report Number : XXXX ) and submitted these reports to Coinbase. 

As of today, over 50 days have passed since the fraudulent activity began ( XXXX # XXXX ). Coinbase has provided no definitive resolution, no satisfactory explanation for the conflicting information, and no reimbursement. Their delay and failure to stop the pending unauthorized XXXX transfer after receiving immediate, documented notice is inconsistent with obligations under U.S. consumer protection standards for electronic fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft A XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity ThefXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
CFPB Complaint Narrative This narrative is submitted concerning FHA loan ending XXXX. 
Shellpoint classified the loan delinquent while stating active forbearance which is dual tracking.

Shellpoint issued month to month forbearance instead of required three month increments.

Shellpoint communicated only by phone and refused written determinations. 
The XX/XX/year> statement lists 290 days delinquent and over XXXX due which is not permitted during forbearance. 


I request CFPB intervention and correction CFPB Addendum Phone Only Communication Tactics Shellpoint relied on phone only contact to avoid creating written servicing records. 
This resulted in undocumented forbearance changes and delinquency misclassification.

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 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Today I wrote to a live agent that i will be filing a lawsuit against this bank next week bc they have blocked all forms of payment for me to make payments on app and online after informing them I see that im at the end of my loan and they all of a sudden start having issues with the payments online amd sending them back resulting in late fees on the account that I have never had an issue with. I have called several times record all calls and its because they double billed me wrote me a bad reimbursement check told me to deposit it did and XXXX XXXX XXXX told me was no good after I called before to verify then blocked all ways to pay so they can force repossession on a car loan I have never been late on or had issues paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
It is very upsetting to see that these inaccurate accounts are still on my credit report, and nothing was done to remove them. I am desperately requesting that the documents I submitted be looked at with attention, so I can finally stop dealing with this constant worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
Account XXXX XXXX XXXX XXXXXXXX This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), as this account has not been fully or properly verified, nor have the legal standards for its reporting been met. 
XXXX. 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy The law establishes that I have the right to have my personal and credit information handled with strict privacy. 
XXXX. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Written Authorization A credit reporting agency may not report information or create an account on my credit file without my written authorization, which does not exist in this case. 
XXXX. 15 U.S.C. 1681e ( b ) : Obligation of Maximum Possible Accuracy Credit reporting agencies must ensure that all information is accurate, verifiable, and complete. 
The referenced account does not meet this standard. 
XXXX. 15 U.S.C. 1681i : Reinvestigation of Disputed Information When an account is disputed, the agency is required to conduct a reasonable reinvestigation. 
If the information can not be verified, it must be deleted immediately, which applies here. 
XXXX. 15 U.S.C. 1681c : Information That Can not Be Reported The FCRA limits the type of information that can appear on a credit report. 
If this account is obsolete, incorrect, or does not meet legal criteria, it is not reportable. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Responsibility of Information Furnishers The furnisher that reported this account to the agency is required to ensure that the information is : accurate complete verifiable These obligations have not been met. 
XXXX. 15 U.S.C. 1681b : Permissible Purposes My credit information may only be used or reported for a legally valid permissible purpose. 
This account was reported without a permissible purpose and without my authorization. 

Based on all the legal provisions listed above, I demand the immediate and permanent deletion of Account XXXX XXXXXXXX from my credit history, as its reporting constitutes a direct violation of my rights under the FCRA. 

I also request written confirmation once the account has been removed, as required by law. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
Account XXXX XXXX XXXX XXXXXXXX This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), as this account has not been fully or properly verified, nor have the legal standards for its reporting been met. 
XXXX. 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy The law establishes that I have the right to have my personal and credit information handled with strict privacy. 
XXXX. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Written Authorization A credit reporting agency may not report information or create an account on my credit file without my written authorization, which does not exist in this case. 
XXXX. 15 U.S.C. 1681e ( b ) : Obligation of Maximum Possible Accuracy Credit reporting agencies must ensure that all information is accurate, verifiable, and complete. 
The referenced account does not meet this standard. 
XXXX. 15 U.S.C. 1681i : Reinvestigation of Disputed Information When an account is disputed, the agency is required to conduct a reasonable reinvestigation. 
If the information can not be verified, it must be deleted immediately, which applies here. 
XXXX. 15 U.S.C. 1681c : Information That Can not Be Reported The FCRA limits the type of information that can appear on a credit report. 
If this account is obsolete, incorrect, or does not meet legal criteria, it is not reportable. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Responsibility of Information Furnishers The furnisher that reported this account to the agency is required to ensure that the information is : accurate complete verifiable These obligations have not been met. 
XXXX. 15 U.S.C. 1681b : Permissible Purposes My credit information may only be used or reported for a legally valid permissible purpose. 
This account was reported without a permissible purpose and without my authorization. 

Based on all the legal provisions listed above, I demand the immediate and permanent deletion of Account XXXX XXXXXXXX from my credit history, as its reporting constitutes a direct violation of my rights under the FCRA. 

I also request written confirmation once the account has been removed, as required by law. 

Thank you for your prompt attention.

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