vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX has been reporting inaccurate information on my credit report for months. They were reporting my car loan account opened when it had been closed for months. This caused multiple credit denials. They are continuing to report inaccurate payment history after multiple reinvestigations. XXXX is providing false credit reporting as its stated with the lawsuit with the cfpb. Experian and XXXX are not doing a through investigation. This is misleading.

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 2025-03-05 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: LA

Complaint narrative:
XXXX XXXX XXXX has been reporting inaccurate information on my credit report for months. They were reporting my car loan account opened when it had been closed for months. This caused multiple credit denials. They are continuing to report inaccurate payment history after multiple reinvestigations. XXXX is providing false credit reporting as its stated with the lawsuit with the cfpb. XXXX and Transunion are not doing a through investigation. This is misleading.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am a victim of XXXX XXXX and am requested the removal of adverse credit information under the Debt Bondage Repair Act. 
On XXXX XXXX, I mailed and I provided the necessary documentation to Goldman Sachs, but they have failed to comply with my request. 
I've also included the dispute letter and verification from a non-governmental entity certified that I am a victim of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a mail in the letter from chase bank saying that I was unable to be approved for an XXXX XXXX XXXX  account when I never applied for one. The only account I applied for credit card to was XXXX  XXXX, I just recently opened an account with XXXX  XXXX to start building my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: IL

Complaint narrative:
Upon reviewing my Equifax credit report, I noticed some inaccurate information on an account of mine. XXXX XXXX account number ending in XXXX is reporting XXXX late payments from XXXX and XXXX XXXX XXXX that are inaccurate. I have never missed any payments on this loan and this account is almost XXXX XXXX XXXX. I'm requesting an investigation into these discrepancies. I'm asking for these payments to be updated promptly and to on-time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> MIDLAND CREDIT MANAGEMENXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Information on Credit ReportReference : 15 U.S.C . 1681i Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally dispute an item on my credit report, which I believe to be inaccurate. As per my rights under the Fair Credit Reporting Act, specifically Section 15 U.S.C. 1681i, I request that you investigate the following discrepancies. 
The specific item in question is : Creditor Name : [ Insert Creditor Name ] Account Number : [ Insert Account Number or Identifying Information ] Disputed Information : [ Briefly explain the inaccurate information, such as balance, payment history, account status, etc. ] I have reviewed my records and believe that this information is incorrect. I request that you thoroughly investigate this matter, and upon completion, provide me with an updated and accurate copy of my credit report. If the information can not be verified, I request that it be removed in accordance with the Fair Credit Reporting Act. 
Enclosed are any relevant documents that support my position, including [ list of supporting documents, if applicable, such as payment receipts, account statements, etc. ]. 
Please acknowledge receipt of this dispute and provide me with the results of your investigation within the 30-day period, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a XXXX XXXX credit card that was used fraudulently for some transactions, i filed a claim and XXXX XXXX agreed that the transactions where fraudulent nonetheless, i paid for these transactions and XXXX XXXX refused to give me credit for these transactions. I am now looking to file a lawsuit against XXXX XXXX for this matter as my card was used without my permission in multiple other states due to this disagreement my XXXX XXXX credit card had minimal credit reversals or charges that where reversed and considered late payments and reported on my credit this is utter nonsense and has brought both emotional and economical distress and damages please help rectify this issue and remove this late payment as it was never late and caused by fraudulent activity on my card.

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 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/year>, I initiated a transfer from my account to another wallet, I did XXXX BTC. Then I was asked a few questions from Coinbase to verify that I was not scammed. I did the questionnaire which was quite simple. Then I got a notification saying the system detected a fraudulent activity and I needed to update my password. This is weird enough since I don't recall answering any answers wrong. I changed the password, logged in again and tried to do the transfer again. Then I found that my account is restricted. 

I then started talking with customer service hoping this can be solved. After a very long conversation, they told me to do a quiz again. Same questions I received earlier. I did that and waited another lengthy period of time only to get an message from the customer service saying my account was under review and I will get a reply within 7 business days. 

After 3 days, I reached out Coinbase Customer service again and this time, the person who served me just kept telling me to stay connected. I waited more than 1 hour and they changed to another agent, asked same questions again. And after another 30-40 minutes. I was told that I will get an email response. I was there for almost 2 hours for nothing. 

Well not nothing, I got an email after that saying my account is locked. I tried to log in and I was told to verify myself. I scanned my passport, recorded myself on video. After 10 minutes I got a response from Coinbase : We can not verify your account. 

I tried the 2nd time, I thought maybe because I had my glasses on while I was shooting the video of myself. So I did the verification without glasses on. Same result. I can not verify myself. I tried 3rd time, it says too much attempts to log in, I can not even try the 3rd time. This is simply ridiculous. Me and my passport can not verify my own account. 

I need access to my account, the way Coinbase handles its customer is not acceptable at all. And to anyone who is thinking about moving your crypto to Coinbase, please think twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint due to a blatant case of identity theft that has caused significant harm, and I am demanding immediate investigation and enforcement of my rights under federal law. Under 15 U.S. Code 1681e, entities handling consumer information are required to maintain strict procedures to protect against unauthorized access, yet my personal data has been unlawfully used, demonstrating a failure of compliance. Furthermore, under 15 U.S. Code 1681n, those responsible for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) are subject to civil liability, including actual damages, punitive damages, and attorney fees. Additionally, under 15 U.S. Code 1681o, negligent noncompliance with FCRA requirements also results in liability. The reckless mishandling of my information, failure to implement necessary safeguards, and lack of corrective action constitute both willful and negligent violations of federal law. I demand immediate corrective action, investigation into all responsible parties, and full enforcement of my rights under the law. If this matter is not swiftly addressed, I will pursue all available legal remedies.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
there's several inquiries I came across on my transunion and XXXX account that was there due to fraudulent activities, It was removed from XXXX but XXXX and transition never updated the accounts and inaccurate inquiries wasn't removed. 

I've circled and underlined all the inaccurate inquiries that was added to my account in the image below.

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 2025-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I have been paying on my parent plus loan since XXXX. My son graduated from college on XX/XX/XXXX, and did not attend college since. I have also not attended college since he graduated. I believe there is a miscalculation of the one time IDR account adjustment to my account. When I contacted my servicer, Ed Financial, they were not informed about the one time account adjustment and eventually figured out I had XXXX  payments in the national database toward the 300 necessary for current IDR forgiveness. After speaking with the multiple representatives over countless hours multiple inquires into Ed Financial were made to see if this can be resolved. I was even called by one supervisor who said they were putting in an emergency request to resolve the issue. I am not sure where the XXXX  count is coming from because just the payments from XXXX when the loan was consolidated to present are XXXX. According to your Studentaid.gov website the one time account adjustment should go back on all loans to the first loans payment start day which was XXXX or if you go back to when my son graduated it was XX/XX/XXXX. As of today I still owe over {$18000.00} on this loan which received a second consolidation in XXXX of XXXX at {$47000.00}. The first consolidation was done in XXXX, according to my records. I have all payment records from XXXX, before the direct loan consolidation. The direct loan payments after consolidation were automatically deducted from checking. I have not missed one single payment, other than the Covid pause which according to studehtsid.gov should be counted. This XXXX will be XXXXyears of payments from my sons graduation or XXXX payments which is more than enough for loan forgiveness. Most of my phone calls to Edfinacial were answered by misguided representatives that were unaware of the rules for the onetime account adjustment. I was told on multiple calls that this was for Public Servents only, which is not true. I was told the one time account adjustment was for loans in IDR, which is not true. According to student aid.gov the one time account adjustment is for all federal student loans consolidated by XX/XX/XXXX. EdFinancial informed me prior to a XX/XX/XXXX conversation with their representative that my loan underwent the one time account adjustment in XXXX of XXXX. Since that conversation I have spoken to multiple leadership team members and managers who keep telling me they need to look into it and will get back in touch, but never follow through. I truly believe at this point EDfinancial has no idea what they are supposed to be doing with the account adjustment, and do not intend to rectify the matter so they can continue to profit off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: LA

Complaint narrative:
I am filing this complaint due to a blatant case of identity theft that has caused significant harm, and I am demanding immediate investigation and enforcement of my rights under federal law. Under 15 U.S. Code 1681e, entities handling consumer information are required to maintain strict procedures to protect against unauthorized access, yet my personal data has been unlawfully used, demonstrating a failure of compliance. Furthermore, under 15 U.S. Code 1681n, those responsible for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) are subject to civil liability, including actual damages, punitive damages, and attorney fees. Additionally, under 15 U.S. Code 1681o, negligent noncompliance with FCRA requirements also results in liability. The reckless mishandling of my information, failure to implement necessary safeguards, and lack of corrective action constitute both willful and negligent violations of federal law. I demand immediate corrective action, investigation into all responsible parties, and full enforcement of my rights under the law. If this matter is not swiftly addressed, I will pursue all available legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2025-03-05 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: NJ

Complaint narrative:
under the federal code 15uac / 1681 I'm disputing some late payments that are in my credit report I've circled the late payment that are incorrect in my 3 bureas Also my name is spelled incorrectly on 3 bureau .it should be XXXX XXXX XXXX XXXX Also my address is also incorrect it should only be XXXX XXXX XXXX XXXX XXXX XXXX I am attaching a copy of mt diver license for proof on name and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Noticed a hard inquiry on my credit report. One on XX/XX/year> and one on XX/XX/year>. 
I have not dealt with either one of these companies before.

Company response to consumer: Closed with non-monetary relief