vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
As of XX/XX/year>, the account balance was {$600.00} with a credit limit of {$800.00} & {$0.00} Available credit. On XX/XX/year>, COMENITYXXXX received a payment of {$690.00}. On XX/XX/year>, a Credit Balance Refund was posted as a Purchase for {$86.00}. The refund was never received. In this same statement, an interest charge was posted for {$3.00}, with a credit limit of {$800.00} & {$0.00} available credit. This interest charge continued to accrue additional interest and late fees until XX/XX/year>. On XX/XX/year>, I was made aware of the account status and contacted COMENITY customer service. I requested a dispute as the payment received within that same statement period exceeded the new interest charge. On XX/XX/year>, COMENITY sent their decision : We found that your account balance is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
In XX/XX/XXXX, I applied for an Income-Driven Repayment ( IDR ) plan with MOHELA. Despite timely submission, MOHELA placed my loans into administrative forbearance without my consent. This has prevented me from making payments and has disrupted my PSLF progress because I have not received qualifying payment credit for these months. 

I have repeatedly contacted MOHELA with no resolution. Now, interest is set to begin accruing in XX/XX/XXXX, despite the fact that the inability to pay is due entirely to the servicers mishandling. I request immediate intervention to either ( 1 ) approve my IDR plan retroactively with PSLF credits applied, or ( 2 ) provide alternative relief for this servicing failure.

Supporting documents are available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes an account that is fraudulent and unauthorized. I did not open this account, have no agreement with the creditor, and have never granted permission for my personal information to be used in this way. This is an act of identity theft that requires urgent correction.

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 2025-08-10 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: GA

Complaint narrative:
On XXXX I filed a complaint against the actual debt collector whom still hasnt provided me with the proper documentation that has been requested of them but yet still brushing it off by saying on XX/XX/XXXX this was a duplicate complaint when no evidence shows that I owe them not the original debt collector. I have requested for the following documents to be submitted to me : Sales data files Chain of custody Validation of debt Verification of debt Original contract from the original debt collector showing that I even filled out a proper application with the company. 
I request that this account be removed from my account immediately and permanently due to lack of documentation proving that I owe this debt. 
Also for my report be updated with the correct information. My consumer rights has been violated and this is causing damage to my credit report. The information on this account is 1. Outdated 2. The status has been updated from XX/XX/XXXX to XX/XX/XXXX XXXX. Past due amount {$0.00} 4. Original balance XXXX I need for my credit report to be updated and corrected. Additionally, under my rights granted by the FCRA and the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ), I am requesting a copy of my Sale Data File or any record of data sales and inquiries related to my personal information. This includes all entities that have accessed or purchased my consumer data, especially in relation to housing or tenant screening. 
I NEED THIS REMOVE AND REMOVED NOW my rights have been violated according to 15 U.S.C. 1692c and as well as 15 U.S.C 1681i I need this and others removed off my account if they are under dispute and is not accurate. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: LEXISNEXIS
State: MA

Complaint narrative:
In my XXXX report for XXXX lexis there is fake names and 4 different accident claims with other names. The following : A claim on XX/XX/XXXX under the operator XXXX XXXX XXXX with an imaginary license number ending in XXXX. 

A claim on XX/XX/XXXX under the operator XXXX XXXX XXXX with a fake birth date and using my license number. 

Two claims on XX/XX/XXXX under the operator XXXX XXXX XXXX using my birth date and license number. I was out of the country during this alleged claim. 

This has been causing me thousands more in insurance premiums with some companies flat out denying me coverage. This information is inaccurate since there is no such thing as a license number ending in XXXX and these operators should not be using my license number or birth date. Under the FCRA any inaccurate information should be removed and Lexis Nexis has failed to do this. Besides seeking legal action this is the only other thing I have to resort to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Final Demand to Aidvantage XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Aidvantage XXXX XXXXXXXX XXXX XXXX, TX XXXX RE : Final Demand Failure to Instruct XXXX  to Delete Fraudulent Accounts This dispute involves the following XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1200.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$4000.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$3000.00} ) This is my final written demand regarding your continued furnishing of multiple fraudulent student loan accounts On XX/XX/XXXX, I submitted : 1. A valid FTC Identity Theft Report 2. Government-issued identification 3. A detailed statement identifying the accounts as fraudulent Under FCRA 605B, upon receipt of this documentation, you were required to instruct all credit reporting agenc Your continued reporting constitutes : - FCRA 605B ( c ) failure to block without reasonable grounds - FCRA 623 ( a ) ( 1 ) ( A ) furnishing information you know to be inaccurate - FCRA 623 ( a ) ( 2 ) failure to update and correct information - FCRA 623 ( a ) ( 3 ) failure to note disputed status - FCRA 623 ( b ) failure to reasonably investigate after notice from a CRA You have also engaged in stall tactics by demanding documents not required under the law. The FTC Identity T DEMAND FOR RESOLUTION I demand that you immediately instruct XXXX  to delete these fraudulent tradelines. If you refuse to delete, Failure to comply within 10 days of receipt will result in : - Arbitration against Aidvantage and its parent entities- Federal lawsuit seeking statutory and actual damages under the FCRA - Complaints to the CFPB, FTC, and State Attorney General This is your final opportunity to comply voluntarily. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
There was some Hard inquiries, JPMorganChase Bank Date : XX/XX/XXXX JPMorgan Chase Bank Date : XX/XX/XXXX JPMorganChase Bank Date : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$26000.00} Inquiries : 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 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 2025-08-11 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$26000.00} Inquiries : 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 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 2025-08-10 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:
Transunion has failed to fix errors and identity theft on my report. I began reporting over a year ago. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ), I am requesting that you provide the complete method of verification, including : The original charge-off amount with itemized accounting If you can not produce legally verifiable documentation from the original creditor proving this account is accurate and lawfully reported, then under FCRA 611 ( a ) ( 5 ) you must immediately delete this item from my credit report. This account as reported is inaccurate because : The dates reported are inconsistent and unverifiable Please note that reporting unverifiable or inaccurate information is a violation of the FCRA and can subject you to civil liability. If this account is not deleted, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. You are required to complete your investigation within 30 days of receipt of this letter and to send me written confirmation of the results. Also under 15 US Code 1692 Transunion did not validate all inquiries ( all are fraud ), nor the collections ( all fraud ), nor the charge offs. I request deletion from all burueas.

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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>2025, I was the victim of a social engineering scam that led to unauthorized access to my Coinbase account and the loss of approximately {$34000.00} USD. I immediately reported the incident to Coinbase by phone the same day. 

On XX/XX/scrub> 2025, I followed up and was advised to file a police report, which I submitted to the XXXX XXXX XXXX Police Department on XX/XX/year>. 

On XX/XX/scrub> 2025, I called Coinbase again and was told the investigation was ongoing. On XX/XX/scrub> 2025, Coinbase emailed stating my information was not exposed and my case did not qualify for reimbursement, without providing investigation details. 

On XX/XX/year>2025, I called to dispute this decision and was told to file a formal complaint, which I submitted on XX/XX/scrub> 2025. Coinbase acknowledged receipt and said I would receive a response within 45 business days.

Since then, Coinbase has repeatedly delayed providing a resolution in emails dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>2025 and has still not provided the investigation results, a clear explanation of how the fraud occurred, or reimbursement.

I am seeking the return of my lost funds and a full explanation of Coinbases findings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
On XX/XX/year>2025, I filed a formal dispute regarding this account. On XX/XX/XXXX, 2025just one day laterPortfolio Recovery Associates unlawfully reinserted this previously closed account without providing the required 5-day written notice, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). This willful act caused an immediate XXXX drop in my credit score, inflicting measurable financial harm, loss of creditworthiness, and XXXX XXXX  Re-reporting during an active dispute also violates FDCPA 809 ( b ). I am demanding immediate deletion and {$5000.00} in compensation or I will file suit in federal court without further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of XXXX or more items on my credit report that I believe are the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 605B, I request the immediate investigation and removal of these fraudulent accounts from my credit report. 

- The original signed contract or application bearing my signature. 
- Any documentation used to verify the account 's validity. 
- The name and address of the original creditor. A full explanation of how the account was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have contacted Experian over the phone to update my personal information for my name. They refused to remove inaccurate names and update my name accurately to one single name.

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 2025-08-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The major credit bureaus agencies have reported unauthorized fraudulent hard inquiries on my credit reports please review the attached dispute letter and FTC report for further information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My personal information connected to XXXX date Breach and my name has been used to get credit card without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC
State: WA

Complaint narrative:
This company is reporting an account that I did not authorize and have never conducted business with. My SSN was exposed in a data breach, and I believe this account is the result of unauthorized use of my personal information. Under FCRA 605B, I have the right to have fraudulent accounts blocked from my credit report. I have already provided documentation, including my FTC Identity Theft Report and proof of identity, yet the account remains. I am requesting immediate removal to restore accuracy to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Fraudulent Accounts - Identity Theft I am writing to formally dispute multiple accounts listed on my credit report that I believe to be fraudulent and the result of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request that these accounts be blocked and removed from my credit report within four days. The following accounts are being disputed : XXXX opened XX/XX/XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX XXXX XXXX  opened XX/XX/XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  have attached my identity theft report, which substantiates my claim that these accounts were opened without my authorization. Under the FCRA, I am entitled to request the blocking of these fraudulent accounts, and I expect these actions to be taken promptly. I have my identity theft report attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation