vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
I am writing to formally dispute the debt referenced under account number XXXXOPPLNS XXXX. I assert that : 1. The alleged debt is not mine ; 2. The information associated with the account is inaccurate ; and 3. I was never notified in writing of my right to dispute the debt within 30 days, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ).

Under federal law, I have the right to request verification and full validation of any alleged debt. Accordingly, I demand the following under 15 U.S.C. 1692g ( b ) : A detailed accounting of the alleged debt amount ; The name and address of the original creditor ; A copy of any original contract or agreement bearing my signature ; Documentation proving that I am legally obligated to pay this debt ; Proof that you are authorized to collect on this debt. 

Additionally, if this debt has been reported to any credit reporting agencies, please be advised that reporting inaccurate or unverifiable information is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. You are required to investigate and correct or remove any false or unverified entries.

Until this matter is resolved, I request that you cease all collection activity and refrain from reporting this account to any credit bureaus. Continued collection efforts or inaccurate reporting without proper validation may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and relevant state regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX, I took out a personal loan from Oportun for approximately {$4600.00}. Despite making multiple payments, I was subjected to repeated refinancing with high interest rates. One of the refinanced loans was for {$4600.00}, with a projected total repayment of over {$6600.00} far more than the original amount borrowed.

It is important to note that these debts were created before I had a Social Security Number ( SSN ). I applied for my work permit and SSN in XX/XX/XXXX and received my SSN in XX/XX/XXXX. Therefore, these debts were not legally connected to my current identity. 

In recent months, I have received aggressive phone calls, including yelling, intimidation, and abusive language from collection agents. In the most recent call, I clearly stated my willingness to negotiate a significant settlement payment under current U.S. laws. Their response was that they dont care about my legal status, and they refused to negotiate, insisting I must pay in full.

At no point was the total cost of the loans clearly explained to me. I believe I have been a victim of abusive lending practices and possibly predatory loans. I respectfully request a full investigation, immediate suspension of all collection efforts, and assurance that this situation will not affect my current credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Financial Data Exposure and Reporting ( XXXXXXXX XXXX/DOGE XX/XX/year> ) Dear Consumer Financial Protection Bureau , I am filing a formal complaint regarding the unauthorized access and/or misuse of my personal financial data, specifically involving my student loan records and credit reporting, during or around XX/XX/year>. 

The incident appears to involve or stem from external activity associated with XXXX XXXX and the DOGE ( XXXX ) development team, who are alleged to have accessed or interacted with consumer data through decentralized platforms or integrated systems. I did not consent to the use, sharing, or exposure of my data to any crypto entity or unaffiliated financial platform. 

As a result of this breach or unauthorized access : My student loan details were improperly exposed Inaccurate information may have been transmitted to the credit bureaus I have experienced distress and potential reputational harm I did not authorize the sharing of my data with any external blockchain, cryptocurrency, or financial technology entity. The exposure has resulted in distress, confusion regarding my student loan status, and negative implications for my credit reporting. 
Violating Parties ( as known ) : XXXX XXXX  ( individual/entity ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX Potential Source of Disclosure : Aidvantage, Account # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Aidvantage, Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This incident may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and CFPB consumer data protection standards, particularly concerning the misuse or transmission of personal financial records without consumer authorization. 
Requested Resolution : Investigation into any third-party access or use of my personal loan/financial records Correction of any affected credit entries Written explanation of any findings and steps taken to protect consumer data going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have tried to solve this dispute with this company and Im getting no where. The mentioned account has been removed from my credit report which was investigated and removed due to fraud from all three credit bureaus. I received an Identity theft affidavit from this company which I completed and returned. Another form was sent to me and when I reached out to the company I was told that I have to file an additional police report and identity theft report. What I don't understand is that I have already filed both reports. The dispute was placed with LVNV Funding LLC which is the current owner of the account so I don't understand why I have to be sent in circles. I don't understand why I have to do another affidavit for this company when I already sent one. This company tells me a different story each time that I call. I have attached all documents that I sent to this company and it clearly states that both companies LVNY Funding and Resurgent on the reports. I demand the immediate investigation and deletion of this account. I have done what was asked of me. My personal information was compromised and used to conduct fraudulent activities. I have no knowledge of this account. My address has been used in multiple fraud cases and my mail carrier to this day is still having issues with my mail delivery. I have filed a complaint with the postal service investigation department already because mail with my address on it gets delivered to other address and other people are having mail delivered to my home that no longer stays with me. People that I was renting rooms to have been using my address to conduct fraud and I so stressed about the situation in hand.

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

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I noticed this problem XX/XX/year>. Hard inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/year>XXXX XXXX

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

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit. I understand that you will investigate my account and ensure that it is accurate. Here is the account that I am asking you to verify if it is accurate. 

XXXX XXXX XXXX

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

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit. I understand that you will investigate my account and ensure that it is accurate. Here is the account that I am asking you to verify if it is accurate. 

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 2025-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Well a couple years ago I received a call from the same number on my Chase banking card requesting information. I thought I was talking to a real chase representative because the number was coming up as Chase and it was the same number on the back of my card. Long story short it was someone scamming me and they was able to transfer all monies from my savings account to a XXXX  account in Florida. Due to this matter Ive been in a real bad financial bind Ive made several claims with Chase and have been denied every time and there at the point now that there saying theres nothing they can do for me moving forward. This really has played a devastating affect on my life and I need a resolution that was all my savings.

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

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND XXXX  XXXX 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 AND TRAFFICKING. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  Experian

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 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
This XXXX account XXXX is inaccurately reported, and I am requesting that it be removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. Since this account is incorrect, I respectfully ask that it be deleted from my file.

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

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

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings. 

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

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

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

XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-05 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: CORELOGIC INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I transferred XXXX CRO from my XXXX wallet to my Coinbase wallet. The transfer was made using the XXXX network. The wallet address was correct and associated with my Coinbase account. 
Coinbase does not support the XXXX network and has refused to recover the funds, despite having technical access to them. They claim their system does not allow manual recovery of funds sent to valid wallet addresses over unsupported networks. 
I am not requesting a policy change, but a one-time recovery, which is technically possible ( and done by other exchanges ). They have declined to assist, and my funds remain locked. 
I believe this is unfair and potentially negligent handling of consumer assets. Coinbase should not accept deposits on a valid address if they can not recover funds sent to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX, XXXX, CA, 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I ask for them to properly investigate and it was not done

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 2025-05-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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