vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Aidvantage fraudulently charged me capitalized interest in violation of its own policy for a disaster forbearance. Processors have been going rogue and arbitrarily overriding Aidvantages and federal policy on disaster forbearances. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
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 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 XXXX XXXX XXXX {$9300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
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 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 XXXX XXXX XXXX {$9300.00}

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife and I were traveling in XXXX, and on Saturday, XX/XX/XXXX, my wife lost her Chase Sapphire XXXX credit card in XXXX. I contacted Chase immediately, and was told that Chase would send us a new card. We were not told that we had to contact any merchants, and charges on our digital Chase card continued to be approved without interruption, we had no reason to believe there was a problem. 

Unbeknownst to us, also on XX/XX/XXXX ( per the merchant ; Chase says it was XX/XX/XXXX ) our hotel in XXXX, for which we had made a reservation in XXXX, contacted Chase to process a deposit for our stay. Chase declined the card, without contacting us. To our surprise, when we arrived at the hotel in XXXX, we were told summarily that the card was declined, that our reservation as a result was canceled, and that no rooms were available to us. 

After we returned home, we contacted Chase several times to try to rectify the matter. They claimed they weren't responsible, stating incorrectly that the account was closed. The account was not closed ( and even if it had been, we had reason to expect that as it always had done, Chase would contact us to approve or reject the charge ). The new card number is not a new account : it remained on our phones without our having to do anything, and the new card appears online in place of, and not in addition to, the old card number ( XXXX other closed Chase accounts still appear online, belying Chase XXXX statement that they closed the account after we reported the lost card ). Online, the new number references all prior activity for the number of the lost card. 

Chase should not have declined the hotel 's charge. At a minimum, it should have contacted us before doing so. Instead, it left us to fend for ourselves in our first night in XXXX, and we don't speak XXXX. Chase 's insolence and failure to accept responsibility for its consumer mistreatment is reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to BANK OF AMERICA dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), BANK OF AMERICA has failed to respond, verify, or correct the information within the required XXXX ( XXXX ) days. Under XXXX U.S.C. XXXX ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since BANK OF AMERICA did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the XXXX intervention to ensure BANK XXXX XXXX immediate compliance with FCRA requirements. 

BK OF AMER XXXXXXXX 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 2025-11-10 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: UT

Complaint narrative:
I am formally requesting a reinvestigation and correction of inaccurate or potentially incomplete information regarding the following account appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) grants consumers the right to dispute information that may be incomplete, inconsistent, or inaccurate. Please review the following account for accuracy : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Personal information incorrect
Company: Mercedes Benz Financial Services
State: SC

Complaint narrative:
MB FINANCIAL SERVICES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did call them. Theyre not helping me in the information that I have in the system. Its not right. Im trying to move from my credit report this issue thing on my report since XX/XX/year> its already nine years after seven years its supposed to be gone. Can you guys help me out? My number is XXXX. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request correction of inaccurate information appearing on my credit report regarding my XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$240.00}. 
Upon reviewing my records, I determined that this reported late payment does not accurately reflect the status of the account at that time. The inclusion of this incorrect late payment is misleading and has negatively affected my credit profile. Accurate reporting is essential to reflect my true creditworthiness and financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute and request correction of inaccurate information appearing on my credit report regarding my XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$240.00}. 
Upon reviewing my records, I determined that this reported late payment does not accurately reflect the status of the account at that time. The inclusion of this incorrect late payment is misleading and has negatively affected my credit profile. Accurate reporting is essential to reflect my true creditworthiness and financial responsibility.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any inaccuracies in these records are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
This company is reporting a collection that is inaccurate and unverifiable. No contract, no itemized statement, and no proof I owe this debt. They verified with the CRAs without providing any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My Coinbase account has been restricted since late XX/XX/year>. I can log in, but I am unable to withdraw, sell, trade, or transfer my funds. I have been told repeatedly that the situation would be resolved within XXXX hours, yet it has now been over two months and no progress has been made. I have received this same XXXX hours response many times. 

Coinbase claims that emails were sent to me requesting information to resolve the restriction, but I did not receive any of them. I do receive other routine Coinbase notifications, just not the emails they claim are needed to resolve the issue. I have screenshots of all emails in my inbox showing that no such support emails were ever received. I also confirmed multiple times with support that my email address is correct. To eliminate any doubt, I even provided a second email address, and no resolution emails were received there either. 

Throughout this period, Coinbase repeatedly opened and closed cases without resolving anything. Closed case numbers include :XX/XX/XXXXXXXX. Each time I contact support, the case is escalated, but then closed again without any explanation or instructions.

At various points I was told : - That a second Coinbase account was opened in my name ( I did not open any additional accounts ). 
- That my account does not align with Coinbases account requirements, with no explanation of what that means.

- That the fraud department would investigate suspicious text messages I received which appeared to be phishing attempts. 

I am a XXXX woman with modest assets. I have never attempted any fraudulent activity and I have no idea why Coinbase would claim that my account is not the type they work with. I have been transparent, cooperative, and patient. I simply want access to my own funds. 

The delay has caused financial loss. When the restriction began I had approximately {$11000.00} in crypto assets, which I intended to sell at that time. Because Coinbase has prevented me from accessing my account for months, the value has since fallen to approximately {$8000.00}. 

On XX/XX/XXXX, I was told by Coinbase support that I should be able to withdraw assets that are already in USD balance. I initiated a withdrawal of approximately {$1000.00}. I was told it would go through, but I have not received confirmation that I will actually receive the funds. I am still unable to sell or transfer my cryptocurrency holdings. Even when I follow the instructions provided by support, I do not have reliable access to my funds. This is deeply concerning. 

I am requesting CFPB assistance to restore access to my account and allow me to withdraw my funds. I am simply asking to regain control of my own property. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-11-10 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX last 4 of Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened XXXXXX/XX/XXXX Bal : {$1900.00} Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX . These accounts have resulted in several fraudulent hard inquiries and 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 # ( private case number ) 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 frau

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