vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
This is a formal complaint regarding inaccurate and unlawful reporting maintained by TRANSUNION on my consumer credit file. The following accounts are being reported in violation of federal law, Georgia statutes, and consumer protection standards : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account No. XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as XXXX. 

XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Reported as CLOSED/CREDIT CARD with a 30 DAYS LATE in XX/XX/XXXX. 

VIOLATIONS OF FEDERAL LAW Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) 1681e ( b ) : TRANSUNION failed to maintain maximum possible accuracy by reporting a {$0.00} balance debt as an active collection, and by inaccurately recording late payment history on XXXX XXXX XXXX 

1681i ( a ) : TRANSUNION failed to conduct a proper reinvestigation or provide supporting verification, thereby leaving unverifiable data on my credit report.

1681s-2 ( b ) : Furnishers and TRANSUNION jointly failed to correct, update, or delete disputed data after notification.

1681g & 1681h : Failure to provide complete disclosure of reinvestigation methods and the underlying verification documents upon request.

U.S. Federal Law Unfair and Deceptive Practices Reporting a {$0.00} balance collection account as active constitutes a false representation of debt, which is misleading and unlawful. 

Misreporting account status and payment history results in credit defamation and negligent publication, prohibited under federal law. 

VIOLATIONS OF GEORGIA STATE LAW Georgia Fair Business Practices Act ( XXXX. XXXX et seq. ) TRANSUNIONs continued reporting of inaccurate and misleading information constitutes unfair and deceptive acts affecting consumers in Georgia. 

Georgia Credit Reporting Provisions By failing to ensure accuracy, completeness, and fairness of data, TRANSUNION is in violation of state law obligations governing credit reporting agencies. 

Defamation and Negligence under Georgia Law Publishing false credit information with disregard for accuracy constitutes negligence and defamation, causing financial and reputational 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 non-monetary relief
Consumer complaint received 2025-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged a total of {$5000.00} in two transactions for XXXX XXXX XXXX XXXX XXXX XXXX : {$210000.00} on XX/XX/year> and {$2900.00} on XX/XX/year>. My family stayed XXXX. On XX/XX/year> I called Capital One to report unsafe room conditions, medical neglect, and being denied a room change after my daughter XXXX became sick with a XXXX XXXX  XXXX rate and fever. I was coerced to sign a release from to receive her medication. I refused and filed a full dispute with timeline, photos, evidence, and proof of attempted follow-up care. 
The only incident documented by the hotel was my toddlers slipping but nothing about XXXX 's illness, which is the core my dispute. XXXX XXXX relied only on what the hotels provided and ignored my evidence. I spoke with supervisor XXXX ID XXXX for XXXX minutes ; she reviewed my documents and said I still needed a paper trail from the hotel. She said they do not accept videos, and the photos proof wasn't enough and refused to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: KY

Complaint narrative:
I am writing to formally dispute the personal information currently being reported on my credit file. I noticed that the address information listed for me is inaccurate and does not reflect my correct, current residence. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Maintaining outdated or incorrect address information is a direct violation of this requirement.

Additionally, per FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and to have it corrected or deleted from my credit file within the legally required timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AZ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
I am submitting this complaint to dispute a false late payment reported by XXXX, account number XXXX XXXX XXXX XXXX XXXX, on my credit report. This information is inaccurate and has negatively impacted my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete or inaccurate. Specifically : 15 U.S.C. 1681i requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the credit report.

Additionally, 15 U.S.C. 1681e ( b ) mandates that CRAs must follow reasonable procedures to ensure maximum possible accuracy of the information they report 1. 
I have already contacted the credit bureau and the furnisher XXXX to dispute this late payment, but the issue remains unresolved. I am requesting the CFPB to : Investigate the reporting practices of XXXX regarding this account. 
Ensure compliance with the FCRA and that the disputed late payment is either verified with supporting documentation or removed. 

Confirm that no further harm is done to my credit profile due to this inaccurate reporting. 

Thank you for your attention to this matter and for protecting consumers from inaccurate and harmful credit reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT 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 explanation
Consumer complaint received 2025-09-25 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
At contract signing, the dealership misled me and instructed me to sign my co-signers name and signature in her absence. She was not present, never reviewed the contract, and never consented, making the agreement fraudulent and voidable. I was also not provided a copy of the contract at execution, violating XXXX XXXX. XXXX ( XXXX ). These acts constitute fraudulent inducement under XXXX XXXX. XXXX and violations of the Truth in Lending Act ( XXXX, XXXX XXXX. XXXX et seq. ; XXXX. Z ). 

To date, I have paid {$22000.00} in monthly payments. Initially, I believed I had paid {$15000.00} based on email confirmations, but Lobels own ledger confirms the higher figure. I now demand restitution with 9.25 % annual interest, calculated daily, as Lobel has been unjustly enriched by retaining these funds under a fraudulent and unlawful contract. 

I also sent Lobel an email and certified mail expressly stating that all payments were being made under protest. Furthermore, I sent them certified mail in response to their first inadequate reply, demanding a proper investigation. Despite this, Lobel has twice issued nearly identical, boilerplate responses merely stating my account is reported as shown, without addressing fraud at signing, missing disclosures, or restitution owed. 

These failures violate TILA and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which require transparency, accuracy, and meaningful investigation. Lobels conduct constitutes fraud, unjust enrichment, and bad faith, and I seek full rescission, restitution, and correction of all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I am submitting this complaint after reviewing my credit report and noticing several entries that do not accurately reflect my payment history. These inaccuracies misrepresent my financial responsibility and may negatively affect my creditworthiness.XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1200.00}, reported late payments : XXXX XXXX  30 days late, XXXX XXXX 60 days late, XXXX XXXX  90 days late, XXXX XXXX 120 days late, XXXX XXXX 150 days late.XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$9100.00}, reported late payments : XXXX  XXXX  30 days late, XXXX  XXXX  60 days late, XXXX  XXXX 30 days late, XXXX XXXX  30 days late. 
XXXX XXXX XXXX  XXXX {$0.00}, reported as a late close, with late payments in XXXX  XXXX  30 days late, XXXX  XXXX  60 days late, and XXXX through March 2023 90 days late. 
I have maintained accurate and timely payments on these accounts. Additionally, I have confirmed that XXXX  XXXX * is reported as open with other credit bureaus, creating a direct inconsistency and raising questions about the accuracy of this reporting. 
The Fair Credit Reporting Act ( FCRA ) provides consumers with protections to ensure the accuracy of their credit reports. FCRA 607 ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. FCRA 609 ( a ) ( 1 ) allows me to request the sources of information reported. FCRA 611 ( a ) gives me the right to dispute inaccurate information and mandates a reinvestigation within 30 days. FCRA 623 ( a ) ( 1 ) requires furnishers to report accurate information and correct any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against APPLE CARD/GS BANK USA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

APPLE CARD - GS BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I was charged approximately {$440.00} by Coinbase for a Coinbase One subscription over the course of 15 months, even though I never used the service after the free trial. I only recently discovered these charges when reviewing my bank account.

During this entire period, I never received any invoices, receipts, or billing notifications for the recurring subscription charges. After checking my email records thoroughly ( including spam folders ), there were no billing communications from Coinbase. When I raised this issue with Coinbase support, they confirmed in writing that Coinbase does not send invoices or receipts for recurring Coinbase One fees, and that billing information is only available if the customer logs in to their account.

This lack of billing communication prevented me from realizing that my account was being charged. Coinbase has refused to provide a fair refund and only offered a partial credit of {$29.00}, despite the total unauthorized subscription charges exceeding {$440.00}. 

As a California resident, I believe this practice violates the California Automatic Renewal Law ( ARL ), which requires companies to provide clear disclosures and written acknowledgments ( such as email receipts ) for subscription renewals, as well as the FTC Negative Option Rule on subscription billing.

I am requesting a full refund of {$440.00} ( all Coinbase One subscription charges beyond the free trial period ), and I also urge the CFPB to review Coinbases billing practices to ensure compliance with consumer protection laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
I am submitting this complaint to dispute the false late payments reported by XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on my credit report. This information is inaccurate and has negatively impacted my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete or inaccurate. Specifically : 15 U.S.C. 1681i requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the credit report1.

Additionally, 15 U.S.C. 1681e ( b ) mandates that CRAs must follow reasonable procedures to ensure maximum possible accuracy of the information they report XXXX. 
I have already contacted the credit bureau and the furnisher ( XXXX ) to dispute this late payment, but the issue remains unresolved. I am requesting the CFPB to : Investigate the reporting practices of XXXX regarding this account. 
Ensure compliance with the FCRA and that the disputed late payment is either verified with supporting documentation or removed. 
Confirm that no further harm is done to my credit profile due to this inaccurate reporting. 

Thank you for your attention to this matter and for protecting consumers from inaccurate and harmful credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a check for {$5500.00} from XXXX XXXX XXXX  on XX/XX/year>, into my husbands Chase account ( we are legally married ) but I wasnt in his account. A Chase employee confirmed that the deposit would be accepted. However, the account was closed, and Chase has held the funds for over six months, refusing to release the money or return the check.

I have provided valid identification ( government-issued ID and Social Security card ), but Chase insists on XXXX verification , I buy a new phone and still doesnt work for them! I went to chase office to show my self in person with my ID and Social security and my marriage license and which has failed. I am attaching the official Chase deposit receipt and identification documents as proof. I request that Chase release the funds to me as the rightful payee or return the original check.

Company response to consumer: Closed with explanation