vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
In XXXX I consolidated my federal student loans into a single Direct Consolidation Loan. After consolidation, the original underlying loans were closed and should no longer be reported as individual accounts. 

When my loan servicing was later transferred to XXXX, they began reporting the seven original pre-consolidation loans as if they were still active. These are duplicate and inaccurate accounts that should not be on my credit report. 

XXXX also reported a XXXX late payment across all seven of these incorrect accounts. This reporting is factually wrong because : These seven accounts should not exist individually after the XXXX consolidation, and My consolidation loan was in deferment during the time XXXX marked as late. Loans in deferment can not be reported as late under federal guidelines. 

In addition, XXXX has been adding random or inconsistent remarks to these inaccurate accounts every couple of weeks, which continuously lowers my credit score and creates the appearance of new negative activity. This ongoing reporting is damaging and misleading, and it does not reflect my true loan status. 

I have already disputed this with all three credit bureaus and with XXXX directly, but the inaccurate duplicate accounts, the false late payment reporting, and the repeated remarks continue. 

I am requesting that the seven duplicate pre-consolidation accounts be corrected to reflect : Closed/paid through consolidation as of XXXX, that all false late payment reporting be removed, and that XXXX cease adding inaccurate or unnecessary remarks to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
In XXXX, I consolidated my federal student loans into a single Direct Consolidation Loan. After consolidation, the original underlying loans were closed and should no longer be reported as individual accounts. 

When my loan servicing was later transferred to XXXX, they began reporting the seven original pre-consolidation loans as if they were still active. These are duplicate and inaccurate accounts that should not be on my credit report. 

XXXX also reported a XXXX late payment across all seven of these incorrect accounts. This reporting is factually wrong because : These seven accounts should not exist individually after the XXXX consolidation, and My consolidation loan was in deferment during the time XXXX marked as late. Loans in deferment can not be reported as late under federal guidelines. 

In addition, XXXX has been adding random or inconsistent remarks to these inaccurate accounts every couple of weeks, which continuously lowers my credit score and creates the appearance of new negative activity. This ongoing reporting is damaging and misleading, and it does not reflect my true loan status. 

I have already disputed this with all three credit bureaus and with XXXX directly, but the inaccurate duplicate accounts, the false late payment reporting, and the repeated remarks continue. 

I am requesting that the seven duplicate pre-consolidation accounts be corrected to reflect : Closed/paid through consolidation as of XXXX, that all false late payment reporting be removed, and that XXXX cease adding inaccurate or unnecessary remarks to these accounts.

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinme Holdings, Inc.
State: NJ

Complaint narrative:
My Coinme account was suddenly locked, and I have been unable to access over {$12000.00} of my funds for more than one week. I submitted all required identity documents and completed the verification process, but my account stayed restricted. I contacted Coinme multiple times through their support system and email, but I did not receive any response or explanation. I am unable to withdraw my money, and Coinme has not told me why my account is locked or when it will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: DE

Complaint narrative:
On XX/XX/year> I contacted my Bank which is Chase this was regarding a dispute of a transaction on my Chase Sapphire credit card. 
Amount : {$650.00} Business : XXXX XXXX XXXXXXXX XXXX XXXX The transaction date : XX/XX/year> Posted date to account : XX/XX/year> After providing all of the essential information needed to the associate then receiving an e-mail that my dispute was submitted. 
The associate advised me that they could not submit the dispute due the transaction date ( XX/XX/XXXX ) being two days past their time frame to dispute the charge, even though the posted date ( XX/XX/XXXX ) would have sufficed. I was not made aware this time frame until after my dispute was " submitted '' according to the email I received from Chase. The associate explained there is nothing the bank can do, and advised to reach out directly to the Business which was not an option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-19 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Ive called Equifax on XX/XX/year> and XX/XX/year> about why they are not receiving reports from my creditors. They told me to call my creditors and ask them to report to Equifax. Ive called one of my creditors on XX/XX/year> and theyve stated they report to all XXXX credit bureaus. The other two credit bureaus have reports and accounts under my name. Equifax is the only one not showing anything. Ive asked them to connect me with a supervisor and they said they could not connect me. They said the only thing they can do is give me my credit report which obviously wont show anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
Im not tied to these accounts ; they should be removed within XXXX  days in compliance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
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 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 Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts and hard inquiries that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts and inquiries remain on my credit reports : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
When I first opened my account I was opening one account but it was a mistake on the rep that opened my account because I was given two accounts. When I called to request to get this second account closed I was told it would be done so since I had NEVER used it. When I gave it about two weeks, it was still open and I called again and I was told it wouldn't affect my bonus. It has been since XXXX that I have had my account and I did not receive my bonus. I called today finally and I was told I did not qualify for the bonus because I was not a new customer and because I had closed my previous account. Keep in mind I had never used that other account and I had never meant to open to accounts. I am so upset because this is not what the promotion had promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union has been withholding {$1800.00} of my money for several weeks despite admitting that they mailed a lien refund check to the wrong address and after XXXX XXXX XXXX confirmed they never received the check. 



The original lien involved workers compensation funds, which are exempt under Virginia law. Once XXXX XXXX lifted the XXXX, Navy Federal mailed the refund, but tracking shows it was delivered to the wrong address on XX/XX/year>. XXXX XXXX clearly stated they did not receive this check. 



Since then, Navy Federal has provided me with conflicting and inaccurate information, including multiple statements that my funds would be returned in XXXX business days, then later telling me I had to wait XXXX days, which appears to be an internal policy rather than a legal requirement. I was promised callback from a supervisor within XXXX business days, but no one ever contacted me. 



I made two in-person branch visits, uploaded written documents, and provided proof that XXXX XXXX never received the check. Navy Federal continues to refuse to correct its own error or release my money. 



This situation has caused severe financial hardship. I have been unable to buy groceries, Ive fallen behind on bills, and I have been forced to use credit cards and incur interest I can not afford. The stress has caused physical symptoms including XXXX XXXX XXXX XXXX XXXX I have spent hours on the phone and in branches trying to resolve this, without success. 



I expected XXXX XXXX to be the most difficult part of this process, but instead it has been Navy Federals lack of compliance, inconsistent communication, and refusal to fix an error they created that has caused me irreparable harm. 



I am requesting the CFPBs assistance in ensuring that Navy Federal immediately releases the {$1800.00} and takes full corrective action for the harm caused by their mishandling of my funds. 



Thank you. 



XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 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 am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( XXXX ). These errors involve charged off accounts, inquiries, late payments, and positive accounts. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$870.00} XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$570.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date XXXX XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This complaint is ONLY about a single 30-day late payment that Chase reported for XX/XX/year> on my credit card account ending in XXXX. This is a separate issue from any other complaint. 
I requested that Chase provide proof that the billing statement for that month was mailed or delivered to me at least 21 days before the due date, as required under 15 U.S.C. 1666b. Chase did not provide any evidence of mailing, delivery, tracking, or compliance with federal timing and disclosure requirements. They only sent an internal statement copy, which does not prove legal delivery. 
Because Chase can not demonstrate that the billing statement was sent with the required advance notice, the XX/XX/year> late payment is unverified and is being inaccurately reported. I am requesting assistance because Chase refuses to validate the late payment with the legally required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NE

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : Equifax ( EQ ), XXXX  ( XXXX ), and XXXX  ( XXXX ). These errors involve charged off accounts, inquiries, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
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 2025-11-19 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: MD

Complaint narrative:
I am writing this with a deep sense of urgency and frustration. I was recently impacted by a verified data breach, and as a result, my personal information was compromised and used without my knowledge or consent. Now I am seeing accounts on my credit report, specifically with XXXX, that I did not open. These accounts are fraudulent. I did not authorize them, I do not recognize them, and I had absolutely nothing to do with them. They are a direct consequence of my information being exposed in the breach, and I should not be held responsible for them in any way. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, you are legally required to block any information that appears on a consumers report as a result of identity theft or other unauthorized access upon proper notice. The law does not grant you discretion or delay once a consumer reports such inaccuracies stemming from criminal or negligent exposure of their private data, those items must be blocked within four ( 4 ) business days. Enclosed you will find documentation supporting this demand, including : Screenshot showing, I was impacted. A copy of the consumers government-issued identification ( drivers license and SSN Card ) and utility bill verifying identity and address. FTC Identity Theft Report. Affidavit of Identity The fraudulent accounts are as follows : 1. 1. XXXX XXXX XXXX Account No. 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 2025-11-19 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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