vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am urgently requesting your assistance with a serious issue involving my business account at Chase Bank. This was previously reported, however no action was taken and given the serious nature of my issue, I am opening an additional complaint. 

Recently, my account was hit with nearly {$20000.00} in fraudulent charges, despite being set up to send me alerts for every single transaction, whether deposit or withdrawal. Even with this alert system in place, none of the transactions were flagged or stopped by Chases fraud department. 

These were recurring payments to companies I have never done business with, originating from states I have never visited. There is no history of similar transactions on my account, yet Chases fraud monitoring failed to identify any of these clear red flags. 
I reported the fraud as soon as I received my first alert. In fact, XXXX transactions were reported the very same day they occurred, and I immediately visited a local branch in person to close the account. However, Chase has refused to reimburse me for the majority of these charges, stating that I was outside the time window, even though most of the fraudulent activity occurred in the same month I reported it. Some were even reported the same day, and others well within what any reasonable person would assume to be a timely manner. 

To date, only XXXX transactions have been reimbursed, and I am left to absorb the rest, despite following all proper steps to report and resolve the issue. 
To make matters worse, when I tried to withdraw the remaining funds and close all Chase accounts, Chase froze my business account. They have locked me out of online access to my accounts multiple times when I attempted to move money, forcing me to call and speak with someone just to regain access. They are now blocking transfers to other verified accounts that I own and restricting my ability to access funds that are rightfully mine. Its extremely frustrating that Chase is suddenly being extra cautious with my money, when they showed no caution at all as nearly {$20000.00} was stolen from my account through obvious fraudulent activity. This handling is unacceptable. 

Chase failed at multiple levels : - They did not notify me as my alert preferences required. 
- Their fraud department did not detect clear warning signs, such as unusual merchants, new states, and large recurring withdrawals. 
- They are now refusing reimbursement for transactions that fall well within a reasonable dispute period. 
- They are restricting my access to the remaining funds after their own failure to protect my account. 
Please help me resolve this. I have exhausted my options with the bank directly and am left with no other recourse. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported XXXX payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-03 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: MO

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX with account number XXXX. I believe this account is inaccurate because I do not recognize this debt and have never received validation. The amount is incorrect and does not match any known obligation. According to XXXX usc XXXX I have the right to dispute inaccurate and unverifiable information on my credit report. I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( XXXX  ), I am entitled to accurate and verifiable reporting. I have attached relevant documents. Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit report.. I believe this account is inaccurate because I do not recognize this debt and have never received validation. The amount is incorrect and does not match any known obligation. According to XXXX usc XXXX I have the right to dispute inaccurate and unverifiable information on my credit report. I am requesting a full investigation into this account. Under the Fair Credit Reporting Act ( XX/XX/XXXX), I am entitled to accurate and verifiable reporting. I have attached relevant documents. Please investigate this matter and provide confirmation of the results. If the item can not be verified, I request its removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/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 2025-06-03 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: NV

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The company sent notice to the XXXX XXXX  attempting to collect a debt, i did not receive any proper documentation in the mail and the company also refuses to send original document with signature verifying that i owe them the amount listed on my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the reinsertion of previously deleted items on my credit report, which appears to be in violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). This section of the law requires that if an item previously deleted from a credit report is reinserted, the consumer must be notified in writing within five business days, including the certification of the accuracy of the information.

To my knowledge, I have not received any such written notification regarding the reinserted items. Specifically, the following items were reinserted : XXXX. [ XXXX XXXX XXXX XXXX ], Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
There is a XXXX XXXXXXXX XXXX reporting on my credit report in a negative matter and the company XXXX sent me a letter advising to have the account this is closed removed off entirely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
Back in XXXX, my phone and wallet and basically entire digital persona were stolen from me and all of my digital accounts were hacked. Since then, every account has been recovered, every last dollar of fraudulent activity has been fixed up, EXCEPT for coinbase. 

You see, the people who stole my identity signed into my coinbase account, transferred all of the money in my bank account to coinbase, and were presumably preparing to transfer off coinbase to secure their illicitly-gained funds. Luckily I realized what was happening before they could and contacted coinbase. 

Coinbase was initially great : They locked the account and helped me recover the credentials, so no funds could be lost and the attackers ' access was lost. XXXX! 

However it's been over XXXX months since then and still my account is locked. I've spent over XXXX hours on the phone with customer service. Here 's what I've experienced : * Low-level customer support is universally garbage, barely able to understand XXXX and useful only to escalate, which they refuse to do without maybe a half hour of wasted time. 
* Every customer support agent needs to be re-told the entire story before any action is taken. 
* Every customer support agent attempt to get me to re-verify my identity by taking photos of myself and my driver 's license in some XXXX app, a process I have completed literally a dozen times now. This is literally the only thing customer support wants me to do. THe process is byzantine, vague, and results in apparently no action being taken. 

Given that it's been nearly a half year with coinbase holding my funds, and presuming this is the typical experience for coinbase customers, I'm wondering, Is this company just a fraud? 

I'm starting to think it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS 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 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 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-06-03 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
In XXXX is when Fay servicing took over our loan and slowly made life very difficult. We found out about the around the same time our mortgage payment came back in the mail. 
They it seemed shortly after, we were getting XXXX on. 
In XXXX my husband was in the hospital XXXX. He was in there 3 months and then went to a rehab. 
I called XXXX right away to alert them as he had delirium, and no money coming in ... and I was met with a mean unsympathetic individual stating they can't talk to me claiming I wasn't on the mortgage. I had no choice but to get XXXX and submit all this paperwork. Their fax wasn't working half the time. When I finally got that all together, she said I had to start over that the paperwork expired. Meanwhile they were actively foreclosing. I had no idea there were options for me as she offered nothing. I wrote a hardship letter stating I estimated we could get back on track in about XXXX XXXX. They in return asked for XXXX XXXX up front and XXXX XXXX  a month and would consider a modification. 
So .. bankruptcy it is .. they tried foreclosing XXXX other times during that period. 
On XX/XX/XXXX, I came home to a letter from my husband stating he could no longer pay the XXXX a month plus our XXXX. That he loved us and he was sorry. After the police found him and told me he passed. I found documents from fays lawyers foreclosing on us again. Our home was to be sold XX/XX/XXXX. They took most of my insurance money and raised payment XXXX for escrow. I have always paid taxes in person and insurance. They still refuse to talk to me. But I am and always have been listed as a borrower. They have been stealing from us for years. All lawyers say they can't help me. I can not have a celebration of life for my husband until this is rectified. My XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX about out of money. 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 I am desperate to hold them accountable for all the harm they have caused my family and money they continue to steal from me. What's more sad to me is that, there are so many of us with equally horrible stories. This is XXXX! We shouldn't be subject this type trauma. I will never be the same. And the people at XXXX dont care at all who or how many lives are damaged from their criminal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX U.S.C. 
XXXX ( a ) ), I request immediate blocking and deletion within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts CAF - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX  CU - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX TOY Date : XX/XX/XXXX XXXX XXXX SERVICE Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  FINANCIAL Date : XX/XX/XXXX XXXX  XXXX BANK NA Date : XX/XX/XXXX XXXX XXXX CREDIT Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My nonpublic personal information has been unlawfully disclosed to non-affiliated third parties without my consent, violating my privacy rights under federal law, including the Gramm-Leach-Bliley Act. Additionally, the listed items have been furnished without a permissible purpose, in direct violation of FCRA 604 ( 15 U.S.C. 1681b ). Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with non-monetary relief