vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bridgecrest Acceptance Corporation
State: CT

Complaint narrative:
Re : Account Name : BRIDGECREST Account # XXXX Amount : {$1500.00} Legal Basis for My Dispute and Demand for Removal : 15 U.S. Code 1681s2 ( a ) This statute limits the responsibilities of furnishers of information to provide only accurate data. If any repossession was reported without proper verification or due process, it must be removed immediately.

12 CFR 1006 ( Regulation F ) This regulation under the CFPB restricts how debt collectors may communicate and report information. If any repossession or related collection account was placed on my report without full validation of the debt, it constitutes a violation.

12 CFR Part 1022 ( Regulation V ) This governs the accuracy and integrity of data furnished to credit bureaus. If the repossession was not properly validated or lacks complete documentation, it can not lawfully remain on my credit file.

UCC 9-609 and 9-610 Under the Uniform Commercial Code, a secured party must follow specific procedures before and after repossessing collateral, including proper notice and commercial reasonableness in the disposition. If these procedures were not strictly followed, the repossession is legally invalid and can not be lawfully reported. 
Dispute and Request for Immediate Action : I demand the immediate deletion of all repossession entries from my credit report across XXXX, XXXX, and XXXX, including any associated collection accounts, as they are : Not verified with full documentation ; Reported without legal standing or compliance with UCC and CFPB rules ; Misleading and materially harmful to my creditworthiness.

As required under 15 U.S.C. 1681i, you are obligated to investigate and resolve this dispute within 30 days. If you can not verify the accuracy and legality of the repossession ( s ) with full documentation from the original creditor, the entries must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: TX

Complaint narrative:
I check my credit report frequently. I checked one day and saw my score was very low. After investigation I saw someone had used my identity to charge utilities in Michigan. I have never been to Michigan, I have never lived there. This is fraud and I do not owe anyone any money. 

I already attempted the dispute with Transunion but that was unsuccessful. After speaking with an agent I reopened the dispute and am filing this report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My child support is up today in payments and stops me from getting a passport card and XXXX XXXX is still showing a debt that was payed in settlement

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 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I was on vacation and we were in XXXX for a day. We went to the Spice market and i purchased at XXXX stores. XXXX, spices ( not XXXX dollars worth ), XXXX, an XXXX lamp ( XXXX dollars } and XXXX, a pair of earrings for XXXX dollars undisputed. A charge of XXXX was on my card when I came home and checked my statement as I always do. I checked my receipts for the day and verified nothing resembling that which could be an error. 
I notified my bank, Navy Federal Credit Union and they reversed the charge but then recharged it after they say their investigation showed that i " participated '' in the transaction. Since I did not go to any clothing/shoe stores, I do not recognize this charge and i would remember such a large purchase. 
To date, they have not provided what i asked for in terms of any evidence such as a receipt showing what I allegedly bought or showing my signature etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I lost two-factor authentication to my Coinbase account. I first followed Coinbase 's recommendation to lock my account so that it would not be accessed by any third party. Once I locked the account, it became inaccessible. Over the last twelve days my husband and I have followed every instruction emailed by Coinbase support, including uploading ID 's, verifying with " live photo '' verification, and uploading Social Security cards. Every step of the way, Coinbase promised that the funds will be transferred from the inaccessible account into my new Coinbase account. Coinbase instructed us to open a new Coinbase account as the method of retrieving funds. It is not clear to me why Coinbase was not willing to just provide access to my existing account even though I have provided all of my information including address, Social Security card and Driver 's License. I have saved all the emails from Coinbase. I also have all the emails from Coinbase going back to 2017 that track my opening of the original account, and making purchases in that original account.

Coinbase technical support emails all appear to be AI-generated. Once requested information is provided to Coinbase, the narrative seems to change that resets the overall conversation back to square one. We have made countless attempts to contact a live person at Coinbase but there does not appear to be any way to speak to Coinbase 's technical support to resolve the issue of accessing my account. I have significant funds in the account and need to obtain access.

Thank you for you assistance with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
My credit reports show the account past due for a car loan with XXXX. The loan was paid in full. The reporting agency will not update the status.

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 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Unresolved Credit and Loan Issues I am writing to file a formal complaint against the following financial institutions. XXXX XXXX  ending in XXXX, JC Penney ending in XXXX ( Synchrony Bank ) XXXX XXXX ending in XXXX, and XXXX . I have made multiple attempts to address these matters directly with the respective institutions, including sending letters dated XX/XX/year> but have yet to receive any resolution or adequate response. 
XXXX XXXX XXXX I was enrolled in a payment plan where payments were being automatically deducted from my bank account. Despite this, my account account continues to accrue interest charges on a monthly basis, which I find both confusing and unfair. I asked for an explanation in my XXXX letter but no reply. 
XXXX. JC Penney and XXXX XXXX have continued to charge me substantial interest even though the accounts have been closed. Im being charged interest on balances that I believe should no longer be incurring such fees, including interest on purchases for which I had already paid. My inquiries to these companies remain unanswered.

XXXX Credit Bureaus After receiving no response from the creditors. I contacted the three major credit agencies to file a dispute. Still no resolution. 
XXXXParent Plus Loan with XXXX This is a loan I had to co-sign with my ex husband. I was unaware it was serviced by XXXX until I looked at my credit report. It is likely the statements were sent to XXXX XXXX XXXX XXXX. My ex husband resides there. I havent resided there in over 20 years. 
XXXX. XXXX Loan Hardship I also have a Parent Plus loan through XXXX. Making payments on this loan is extremely difficult. The loan was taken out on behalf of an adult child who has been underemployed for a number of years. I have attempted to manage payments but the financial burden has become unsustainable. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  appears on my report. I have never resided there. 
I respectfully request that the CFPB assist in the following ; the failure of XXXX, JC Penney and XXXX XXXX to respond. Review why continued interest is being charged on closed accounts. Facilitate a correction of my credit report. Investigate how XXXX handled the billing address. Assist in working with XXXX to explore hardship programs or alternate repayment options. 
Thank you for your time and assistance. 
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 explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I've never signed a new student loan with FirstMark. I was told through e-mail that all details regarding my original loan with XXXX XXXX XXXX would remain the same. FirstMark has therefore violated the terms of my loan. They are illegally claiming the date of account opened on my credit score as if they were my original lender and as though I opened with them in XXXX when this transfer did not occur until XXXX. FirstMark also gave me their own due dates even though it is reported in my loan and most recent credit scores from XXXX that my payments have been deferred until XX/XX/XXXX. However, due to FirstMark violating the terms of my loan they now have me listed under repayment [ which is incorrect ] and they have it listed as though I refuse to pay and now owe over XXXX XXXXXXXX. Again, there were to be NO CHANGES TO MY LOAN which was DEFERRED UNTIL XX/XX/XXXX and now after transfer to FirstMark they are operating under their own terms which is highly illegal since I signed NOTHING with them and was TOLD THERE WOULD BE NO CHANGES TO MY ORIGINAL LOAN. I should not be watching my credit score go down because FirstMark is breaking the terms of a contract in multiple different ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to XXXX  and Equifax these XXXX credit viewers are reporting accounts are not inaccuracy are showing inaccuracy data history from each account must be removing me to leave for my credit report have a XXXX accounts are showing inaccuracy that's XXXX XXXX  XXXX  XXXX XXXX  credit Union and XXXX  all these accounts are showing inaccuracy please remove this account according to the XXXX {$15.00} XXXX must have proof illegal documents for these accounts or unless we removed his account immediately and lessons having XXXX hours

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Carma blocked my login attempt. Tried to go thru chat for help. They had me go to a link to take a selfie and a photo of my driver 's license 9 different times and by 5 different agents. Each time time I was verified and accepted. Then the chat agent once again wanted me to go to the link and do it all over again. I even sent them a screenshot of the page showing I was verified. They repeated I was not verified and wanted me to go to the same link again for verification. After 9 times I refused. They ended the chat. I still can't not login to CK. I've been with them 7 years and never been blocked. I feel this is a violation of my right of privacy. Where are my photos and copies of my ID? Why is CK blocking my access? Why won't CK accept my verification proof of ID and selfie when it was approved?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
I am contacting you to report that I have been a victim of identity theft. I recently became aware that an account was fraudulently opened under my name at XXXX XXXX XXXXXXXX on XX/XX/year>, without my knowledge or consent. I did not give anyone permission to use my personal informationincluding my name, Social Security number, or any other identifying datato open or operate this account. 

Until now, I had no knowledge of this account 's existence. I believe my personal information may have been compromised due to unauthorized access to my mailbox, which may have led to the misuse of my documents.

This letter serves as my formal dispute of any debt or financial obligation connected to this fraudulent account. I am not liable for any transactions or charges associated with it. 

To support the investigation and resolution of this issue, I have included the following documents : A copy of my drivers license A copy of my Social Security card Proof of my current address A copy of the Police 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 2025-07-13 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 contacting you to report that I have been a victim of identity theft. I recently became aware that an account was fraudulently opened under my name at XXXX XXXX XXXXXXXX on XX/XX/year>, without my knowledge or consent. I did not give anyone permission to use my personal informationincluding my name, Social Security number, or any other identifying datato open or operate this account. 

Until now, I had no knowledge of this account 's existence. I believe my personal information may have been compromised due to unauthorized access to my mailbox, which may have led to the misuse of my documents.

This letter serves as my formal dispute of any debt or financial obligation connected to this fraudulent account. I am not liable for any transactions or charges associated with it. 

To support the investigation and resolution of this issue, I have included the following documents : A copy of my drivers license A copy of my Social Security card Proof of my current address A copy of the Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I deposited {$250.00} in cash into my Chase savings account via ATM. Because the account had been at a {$0.00} balance for over 60 days, Chase was in the process of closing it, and the deposit temporarily disappeared. I called Chase, and they told me to visit a branch. At the branch, a representative issued a temporary credit and told me to wait XXXX hours and then begin using my card. 

I followed those instructions and waited about a week before using the funds, assuming the issue had been resolved. Later, Chase reversed one of the credits and said that my original deposit eventually reappeared, so they were removing the temporary one. This created a {$240.00} negative balance. 

I received no timely warning about the reversal. The only communication was a mailed letter, dated XX/XX/XXXX, excluding one week of mailing time, which I didnt receive or open until after the funds had already been reversed and spent. I never received a text, email, or app notification about the reversal. 

I later called Chase and was told that all credits are considered temporary for 30 days during the investigation process, but that was never communicated to me. The Chase branch employee told me specifically to wait 12 days and then begin using the funds. That guidance led me to believe the issue had been resolved. 

I also asked to escalate the matter and was transferred to a supervisor, but they had no authority to waive the balance. I am a full-time college student with no income, and I used the funds in good faith based on the information I was given. I did not receive clear communication from Chase about the reversal, and I was not warned in a timely manner. 

I am requesting a one-time courtesy waiver of the {$240.00} negative balance. This situation was caused by miscommunication, poor notification, and process delays, not by fraud or intentional misuse on my part. I hope Chase will consider my status as a full-time student, a long time member and the hardship this presents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
Last 4 SSN : XXXX To whom it may concern, I, XXXX XXXX, never gave ( Equifax, Experian, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : 1 ) XXXX ( XXXX ) 2 Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
Last 4 SSN : XXXX To whom it may concern, I, XXXX XXXX, never gave ( Equifax, Experian, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : 1 ) XXXX ( XXXX ) 2 Sincerely, 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 2025-07-13 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:
I am a victim of identity theft, my identity was stolen and used to obtain goods that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I am a victim of identity theft, my identity was stolen and used to obtain goods that I did not authorize.

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 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and report fraudulent charges that were opened in my name without my knowledge or authorization. These accounts were apparently opened by a now-deceased relative, who had access to my personal information prior to their passing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
i paid my member XXXX, Capitol one recieved payment on XX/XX/XXXX, my bill states it was due XX/XX/XXXX th it was paid, XXXX claims it was reported late! Making my credit go down! also i have disputed addresses that are false, never my addresses! They refuse to delete them from my credit reports! I m sick of this game!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: VA

Complaint narrative:
i paid my member XXXX, XXXX XXXX recieved payment on XX/XX/XXXX, my bill states it was due XX/XX/XXXX th it was paid, XXXX claims it was reported late! Making my credit go down! also i have disputed addresses that are false, never my addresses! They refuse to delete them from my credit reports! I m sick of this game!

Company response to consumer: Closed with explanation