vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I attempted to create an Experian account to place a credit freeze, but the account creation process displays incorrect contact information that does not belong to me. All attempts to resolve this through XXXX phone support resulted in automated call terminations redirecting me to your website, which I can not access. This issue has prevented me from securing my credit report. 

Experian responded to prior complaint ( CFPB Complaint # XXXX, XXXX XXXX XXXX ) asking for information to be faxed or emailed. The information was faxed on XXXX XXXX. Experian has sent no acknowledgment of receipt and no action is taken by 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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Did not receive {$500.00} promotion after fully meeting the requirements. 
A person named XXXX stated he fill not pay the promotion no matter what and even will change the terms AFTERWARDS ( after meeting the requirements under the old terms ), which is illegal - during a phone conversation on XX/XX/25 at XXXX PST. Refused to honor the promotion despite the full legal evidence provided ( attached ) - particularly that I followed the Chase legally binding multiple statements on the offer deadline. ( XX/XX/XXXX ). 
All attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I had a car loan with JP Morgan Chase XXXX XXXX XXXX. I wrote a letter to the CEO of the company asking the origin of the funds for Auto Loan number XXXX on a XXXX XXXXXXXX XXXX, that they supposedly " lent '' to me. Not only did I NOT receive a reply, they stopped sending me payment coupons in the mail. I recently checked and found that the company had written this loan without sending me a 1099-C so that I could file with the IRS. I believe they filed it themselves and took the tax credit and are still attempting to use leverage to collect the debt, which is consumer statutory fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exis

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 2025-04-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-23 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: Applied Data Finance, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of credit inquires that shown below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-23 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-23 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: OR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( XXXX Bureaus ) XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  - Balance & Past Due : {$0.00} - Monthly Payment : Closed or paid account/zero balance

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/XXXX of 2025 {$4400.00} was transferred from my Coinbase account. I first notified Coinbase ( thru Chat ) when I saw the PENDING transaction. I thought the matter was handled. Coinbase told me to change my password and they shut down the account for security purposes. I was unable to log back in for a couple weeks... could not get the identity verification to go through but finally got in and saw the {$4400.00} was gone. I chatted again and was informed that the money was gone, Coinbase not liable and I needed to contact Chime Bank. They also suggested I file an Identity Theft Report which I did on XX/XX/XXXX. I also contacted the police. They sent XXXX XXXXXXXX XXXX  and he took my information and later said he would contact Chime Bank to get help progress along. In the meantime, I contacted Chime Bank and they informed me they have no liability and that I need to contact Coinbase. This was after they asked me to file a claim, which I did. And when I called them, they just kept asking me to wait and passing me on to another person. What additional steps do I need to take to get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MA

Complaint narrative:
On XXXX XXXX, 2025, I received an email from LJ Ross Associates about a {$330.00} debt allegedly owed to XXXX. The notice listed an incorrect and invalid address ( XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX ), which is not my residence. Because of this, I believed the notice was a scam or sent in error and did not respond immediately. 

On XXXX XXXX, 2025, just 15 days later, the debt was reported to the credit bureaus, negatively impacting my XXXX XXXX. On XX/XX/XXXX, I sent a written settlement offer proposing a 50 % payment ( for the utility debt for my actual correct address ) in exchange for deletion from my credit report, but I have received no response after a month. 

I believe this situation involves unfair debt collection and credit reporting practices, and I have made a good-faith effort to resolve it.

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 2025-04-23 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I intend to report two issues I have had using the Coinbase platform, which I believe point to a pattern misleading and taking advantage of customers, either on purpose, or unintentionally. I participated in a promotion on Coinbase that involved spinning a prize wheel for a Bitcoin reward. The winnings were not credited to my account. After reaching out to customer support, Coinbase acknowledged the error and retroactively issued the {$3.00} credit. Its unclear if this was a delayed processing issue or a genuine oversight, but the agents response implied something had gone wrong. More seriously, I later sold Bitcoin on the platform after starting a free trial of their Coinbase One service, which clearly advertises zero trading fees. At the time of the transaction, locally, the interface displayed no fee, but the post-sale confirmation showed I was charged {$20.00}. Upon contacting support, they acknowledged that if the trial was active, I should not have been charged. However, they refused to refund me, claiming the trial began one minute after the transaction. Their system timing discrepancy is highly questionable and leaves no way for users to verify or defend against such fine-grained timing disputes. These may seem like minor issues, but Coinbase admitted fault in the first case, and in the second, presented a clearly serious issue. If this is a common occurrence, the cumulative harm across their user base could be significant. Im reporting this not just to recover the lost funds, but to flag what may be a broader consumer protection issue affecting many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Fraudulent Auto Loan Account Reporting Identity Theft ( XXXX XXXX XXXX XXXX XXXX XXXX ) Description : I am filing this complaint to request the urgent removal of a fraudulent auto loan account reported on my credit report by XXXX XXXX ( Account # XXXX XXXX XXXX XXXX ). I have never applied for, authorized, or signed any documents related to this account, which was allegedly opened on XX/XX/year>, with a reported balance of {$19000.00}. I am a victim of identity theft. 

This account is completely fraudulent, and I have already taken the following actions to resolve this issue : Filed disputes with all three major credit bureaus ( XXXX XXXX XXXX XXXX 

Filed a report with the FTC regarding identity theft. 

Submitted a police report to document the crime. 

Prepared, signed, and notarized an Identity Theft Affidavit affirming my non-involvement with this account. 

I am attaching all supporting documents, including : FTC Identity Theft Report Notarized Affidavit Police Report Copies of my disputes to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of credit accounts that has late payments shown below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Date : XX/XX/XXXX- XX/XX/XXXX ; XX/XX/XXXX- XX/XX/XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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