vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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:
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. 

Please delete the following accounts : XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX Incorrect Personal XXXX  XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. 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 generally, 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. I kindly request that you block this information from my credit report within four business days.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX. 

Please delete the following accounts : XXXX LOAN - XXXXXX/XX/XXXXInquiryXX/XX/XXXXInquiryXX/XX/XXXXInquiryXX/XX/XXXXInquiryXX/XX/XXXXInquiryXX/XX/XXXXInquiryXX/XX/XXXXInquiryXX/XX/XXXXInquiryXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXInquiryXX/XX/XXXXXXXX XX/XX/XXXXInquiryXX/XX/XXXXInquiryXX/XX/XXXXXX/XX/XXXX AND XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXXXX/XX/XXXX - Incorrect Personal XXXXXX/XX/XXXX XXXX XXXX - Incorrect Personal XXXX XXXX Incorrect PersonalXX/XX/XXXXXXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. 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 XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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 (XX/XX/XXXX ) 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 (XX/XX/XXXX) 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 XXXX 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. XXXX ( A ) ( XXXX ) 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. I kindly request that you block this information from my credit report within XXXX business days.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint because my student loan servicer incorrectly reported a XXXX delinquency on my account while my loans were supposed to remain in forbearance. 

This delinquency is inaccurate and has caused severe harm to my credit profile, dropping my credit score from the XXXX to the low XXXX and preventing me from qualifying for a mortgage. 

XX/XX/year>, my servicers representative confirmed via written chat transcript that the delinquency was reported in error and would be removed quickly. 
Plus they acknowledged that I was in a disaster area during the time they stated I was delinquent. 

Despite this written acknowledgment, the delinquency is still reporting more than XXXX months later. 

Also, I have XXXX months of automatic payments that prove my account is current. 

I have submitted disputes to the servicer directly, yet the reporting remains unchanged. 


I respectfully request that the CFPB require my servicer to : Immediately correct the inaccurate reporting and remove the XXXX delinquency from all credit bureaus ( Experian, Equifax, TransUnion ) XXXX 

Provide written confirmation that the correction has been made. 

Ensure my account is properly reflected as current, consistent with my documented payments and all of the 90 day delinquent reporting be removed. 

Below I will attached the following : Chat transcript where the servicer admits the error and promises removal. 

Proof of 6 months of automatic payments.

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 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I requested validation for an XXXX credit card account, but they didn't comply with the amount of validation paperwork that needs to be submitted to actually verify the debt. The only thing they submitted was the credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX is reporting acct # XXXX for {$750.00} without providing proper validation. I requested the original wet-signature contract, complete chain of assignment, notarized affidavit, and itemized accounting. None were provided. This violates FDCPA 809 ( b ), FDCPA 807, FCRA 623, and Metro 2 accuracy standards. I demand deletion of this unverifiable account and confirmation of removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: AK

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 2025-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They kept closing in my bank account savings well without me not knowing that was a fees And they did not tell me about the fees and I kept trying to open but the same issues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NJ

Complaint narrative:
Chronology of Events and Actions Taken - XX/XX/XXXX : Tickets were purchased for what was believed to be the XXXX XXXX XXXX XXXX, totaling {$5300.00} across XXXX transactions ( {$4700.00} and {$670.00} ). 
- XX/XX/XXXX : A dispute was initiated with Chase. The representative, identified as XXXX, advised that a formal dispute could not be filed until after the event date ( XX/XX/XXXX ). XXXX recommended not attending the event and assured that the charges and any accrued interest would be reversed under Chases Purchase Protection policy. 
- XX/XX/XXXX : Upon receiving a denial letter from Chase indicating the merchant would not issue a refund, contact was made again. A supervisor acknowledged that the initial guidance was incorrect and committed to resolving the matter within XXXX weeks. 
- XXXX XXXX : A follow-up call revealed that the dispute remained under review. 
- XX/XX/XXXX : It was discovered that the dispute had been denied. A second supervisor apologized for the mishandling and resubmitted the case. It was reiterated that all actions taken were based on the guidance provided by Chases representative. 
- XX/XX/XXXX : A letter from Chase confirmed the dispute had been closed and the transaction deemed valid. The letter also stated that no further correspondence regarding the matter would be entertained. A call was placed to Chase immediately to restate the situation and request the call recording from XX/XX/XXXX. The request was denied, citing that recordings are retained solely for training purposes. 
- The financial loss and emotional distress were directly attributed to the misrepresentation and incorrect instructions provided by Chase. A full reversal of the charges was requested. 
- XX/XX/XXXX : A formal Request for XXXX Review Mishandled Dispute Case was submitted to the Chase XXXX Resolution Team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXXXXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX * * * * * * * * * * * * * * * * - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX A. XXXX 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 an 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 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 2025-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

1. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX Account Number : XXXX - 2. Validate Account XXXX XXXX Account Number : XXXX - 3. Validate Account XXXX XXXX XXXX Account Number : XXXX - 4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX - 5. Validate Account XXXX Account Number : 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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MOHELA
State: SC

Complaint narrative:
I dont have any pacific date but Ive been trying to get deferments for my students loans and since my house been paid off Ive been trying to get that off also

Company response to consumer: In progress
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am writing to formally express my dissatisfaction with how my recent credit card dispute was handled by Chase Bank. 

I initiated a dispute regarding a charge on my account, expecting that, in accordance with standard dispute procedures, I would be given the opportunity to submit relevant documentation and evidence to support my claim. Unfortunately, Chase failed to request or accept any supporting materials from me before proceeding with their review. This omission significantly compromised the integrity of the process and, in my view, prevented a fair and thorough evaluation of the dispute. 

Additionally, I find it concerning that the only response provided by the merchant in question was a blanket denial, stating simply, that is not true. This type of response, without any substantiating documentation or explanation, exemplifies exactly why a dispute process exists to resolve conflicting claims with proper evidence and impartial review. A mere denial without support does not constitute resolution, nor should it be considered a sufficient basis to reject a dispute. It is in fact the exact definition of a dispute. I disagree with the charge provided and they refused to refund me so I " disputed '' the charge. Why are you just simply denying the dispute over a statement of, the customer is not true? 

I respectfully request that Chase re-open this dispute and allow me to submit the necessary documentation so that the matter can be evaluated properly and in good faith. I trust that Chase values its customers ' right to fair treatment and expects more than a one-sentence denial as justification for denying a claim. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Coinbase Failure to Honor Promotional Incentive Dear CFPB, I am filing a complaint regarding Coinbases failure to honor a financial promotion, resulting in consumer harm. 

Promotion Terms : Coinbase promised users up to {$20.00} in Bitcoin for executing XXXX consecutive weekly recurring buys of {$100.00} or more ( excluding XXXX ), ending by XX/XX/XXXX. 

My Transactions : Recurring buy set for Bitcoin, {$100.00} each week Executions occurred XX/XX/XXXX, XXXX, and XXXX, XXXX Case ID : XXXX Problem : No rewards were applied. When I raised the issue, support agents initially acknowledged my compliance and escalated the case. However, I was later told my account did not meet eligibility due to unspecified violations of terms. Coinbase refused to provide details, evidence, or an appeal process. 

Why This Matters : Promotions like this drive consumer decision-making. Coinbases refusal to honor clearly met conditions, combined with a lack of transparency, is misleading and unfair. It deprives consumers of earned financial benefits and undermines trust in financial services. 

Relief Requested : Coinbase should credit my account the {$20.00} in Bitcoin rewards. 
Coinbase should be required to provide transparency in promotional denials, including specific reasons and evidence. 
The CFPB should review Coinbases promotional practices to ensure fairness for all consumers. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
Consumer Name : XXXX XXXX, Consumer 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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, a personal credit card account opened at XXXX BANK XXXX on XX/XX/XXXX under the account number XXXX, an unsecured loan account opened at XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$66.00}, a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$4200.00}, a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number XXXX, an unsecured loan account opened at XXXX on XX/XX/XXXX, under the account number XXXX, and an unsecured loan account opened at XXXX on XX/XX/XXXX, under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections as reported. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copies of FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief