vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute certain inaccuracies on my credit report, as permitted under the Fair Credit Reporting Act. I have reviewed my credit report and identified the following issues : 1. * * Inaccurate Personal Information * * : My report contains incorrect personal details, including [ describe the inaccuracies, e.g., wrong address, misspelled name ]. Please update this information to reflect my correct details. 2. * * Unverified Collections * * : I have noticed a collection account listed under my name from [ Creditor 's Name ] with account number [ A
ccount Number ]. I believe this account is inaccurate and unverified. Please provide documentation that ver
ifies this debt, as I do not recognize it.

3. * * Outdated Hard Inquiries * * : My report lists hard inquiries that are beyond the allowable time frame. Specifically, the inquiries from [ list the inquiries ] are no longer valid and should be removed from my report.

I have enclosed copies of my credit report highlighting these items, along with any relevant documents supporting my claims. I kindly request that you investigate these matters and rectify my credit report accordingly. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA
State: IL

Complaint narrative:
In XX/XX/year>, I discovered that MOHELA had reported a delinquency on my credit report related to my federal student loan. This delinquency is inaccurate and was caused by autopay disruptions during MOHELAs servicing transition. Despite my attempts to make timely payments, technical issues on their website and difficulty reaching customer service led to delays that were beyond my control. 

I sent my first dispute letter to MOHELA on XX/XX/year>, explaining the situation and including supporting documentation. I received no response. I followed up with a second letter on XX/XX/year>, and again received no reply. On XX/XX/year>, I sent a third letter, marked CC : CFPB, reiterating my dispute and requesting correction. 

To date, MOHELA has not acknowledged or investigated my dispute, nor have they provided any resolution. The inaccurate delinquency remains on my credit report and continues to harm my credit profile. I am requesting that MOHELA be required to investigate and correct the error, and confirm the correction in writing.

Company response to consumer: In progress
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
On Thursday XX/XX/XXXX a collection account hit my account. I reached out to the company and requested a validation of debt and was told that they didnt owned the account. I requested it to be removed from my credit profile immediately and the next day instead of it being removed I received an email from the company requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I closed a short XXXX position on Coinbase. Immediately after, Coinbases system placed a duplicate XXXX  order ( XXXX contracts at XXXX ) without my authorization. 
This duplicate order incorrectly displayed a XXXXXXXX XXXX XXXX XXXX  during entry, but when I checked the Position Details there was no XXXX  protection. This left me exposed with more than {$270000.00} in open notional risk and no way to confirm that my account was protected. 
I spent over XXXX hours on the phone with XXXX Coinbase support representatives due to disconnects. Support admitted they could not confirm whether my position had a stop-loss, could not apply XXXX on my behalf, and had no supervisor available. I was told to wait for an email while my account remained unprotected. 
Eventually, I was forced to risk using the same broken system to manually apply a bracket order. The trade ultimately closed at XXXX, resulting in a realized loss of approximately {$6300.00}. 
This incident caused financial loss, loss of confidence, missed family obligations, and over XXXX hours of wasted time dealing with Coinbases responses and missed follow-ups. 
Please see attached Exhibits XXXX, Exhibit Index, and Impact Statement for supporting evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 identity 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 " rrting of any. 
information in the file of a consumer that the consumer identifies as informaeasonable 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 purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon 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 explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and 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 explanation
Consumer complaint received 2025-09-30 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I will try to be concise. Back in late XXXX, I believe it was XXXX, but I would have to check the dates, I was contacted by a fraudster, and I fell for a job scam. I felt I did everything I needed to do to keep myself protected. During the " training '' phase for this job, they asked me to purchase some computers on my credit card. They would give me the company 's corporate account to move funds to my credit card so that I could make the purchase. The funds showed up on my credit card balance, so I made the purchases. Two months after the first transaction, I opened my Chase app to check the balance, and I knew immediately that everything was wrong. Two months after the first transaction, probably a week or two after the last time I used the card, I found out that, and I will quote what JPMorgan Chase told me, " the transactions weren't approved. '' There's a problem here because I work in financial services, and I move money all the time, and there's no way that this is legal or ethical to come back and say the transactions weren't approved in that amount of time. The funds shouldn't have reflected in my credit card balance if they weren't there. JPMorgan didn't even notify me. I had to call them. That's pretty much it. They reversed the transactions, about 5, for a total of $ XXXX. I was gainfully employed. This destroyed my credit. I've had to report this charge off on my XXXX because I'm registered, so now this is public information available to anyone. Do you know how damaging this has been? JPMorgan Chase told me the funds were there by updating my credit card balance. You can't reverse the transactions weeks or months later, saying they weren't approved. That is beyond unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I mailed a rent check of {$4500.00} payable to XXXX XXXX  from my local USPS mailbox. Before it reached the intended recipient, an unknown person stole the check and altered the payee 's name to cash it fraudulently. I reported the incident to Citibank, provided all required documents, and filed a claim almost a month ago, but I have not yet received reimbursement. I have also reported the incident to the U.S. Postal Inspection Service ( USPS ) and the Federal Trade Commission ( FTC ). I am seeking assistance to recover the lost funds and to investigate the responsible party

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 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
b'Subject: Unauthorized Charges on PayPal Debit Card  Request for Investigation\n\nTo Whom It May Concern,\n\nI am submitting this complaint regarding unauthorized transactions on my PayPal Debit Card.\n\nOn XXXX XXXX XXXX, I noticed several unauthorized charges on my PayPal Debit Card, all of which were payments directed to XXXX. The amounts ranged from $XXXX to $XXXX  each. Below, I provide the details of each disputed transactionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXImmediately after identifying these charges, I filed disputes through PayPals Resolution Center, explaining that I did not authorize these transactions. However, PayPal reviewed the cases and has already denied several of my claims, stating that the charges were authorized by me. This is not accurate, as I never approved, initiated, or benefited from these payments.\n\nI believe my card details were compromised and used fraudulently by a third party. Unfortunately, PayPal has failed to properly investigate this matter and has left me financially responsible for transactions I did not authorize.\n\nI respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that PayPal properly addresses this issue, refunds the unauthorized amounts, and prevents further misuse of my account.\n\nThank you for your time and attention.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX(Email and Paypal account email) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Subject : CareCredit ( Synchrony Bank ) is withholding my overpayment after refund from dental provider Details of the Complaint : I opened a CareCredit account for {$3000.00} to pay XXXX XXXX for planned dental services. XXXX XXXX charged the full {$3000.00} upfront. Shortly after, I realized I did not want to proceed with treatment and requested a refund. XXXX XXXX refunded the entire {$3000.00} back to CareCredit. 

Before the refund was processed, I had already made payments totaling approximately {$500.00} toward the account balance. Once XXXX refund posted, my account balance should have been {$0.00}, leaving my {$500.00} in payments as an overpayment to me. 

Instead, Synchrony Bank ( CareCredit ) reduced my credit limit and claimed that I had more credit than I should have had, keeping my overpayment rather than refunding it. I have repeatedly contacted CareCredit about this issue for over one year, but they continue to refuse to return my money.

Why This Is Wrong : My balance was fully satisfied when Aspen refunded the {$3000.00}. 

The {$500.00} I personally paid is an overpayment and should be returned to me. 

A reduced credit limit does not entitle the creditor to keep customer funds. 

By withholding my money, Synchrony Bank is engaging in an unfair billing practice.

What I Am Requesting : 1. Immediate correction of my account to reflect a {$0.00} balance.

2. A refund of the {$500.00} I overpaid.

3. Written confirmation that my credit report will not reflect any negative activity related to this account.

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 2025-09-30 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation