vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: NJ

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from XXXX XXXX  XXXX / XXXX, which has caused my credit score to drop by over 100 points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus.

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions.

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

XXXX. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
All three of my credits reports are showing different payment history and payment made on the XXXX collections account one is showing no history at all. The FCRA says that it must be accurate or it needs to be remove I find this a violation under the act and law 15 U.S.C. 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
All three of my credits reports are showing different payment history and payment made on the XXXX collections account one is showing no history at all. The FCRA says that it must be accurate or it needs to be remove I find this a violation under the act and law 15 U.S.C. 1681

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 2025-05-10 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:
I previously disputed this account, but it still shows inaccurate and incomplete information on my credit report. I am now requesting the description of procedures used to verify this account. You have 15 days from receiving this notice to provide that information. If you can not, the inaccurate accounts Im disputing must be deleted.

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/2025, at XXXX XXXX, a hacker gained access to my Coinbase account via a phishing attack sold XXXX Bitcoin, and the funds were immediately deposited into my Coinbase wallet. At his time {$25000.00} was transferred from my Coinbase account to an account at XXXX under my name. 

I did not authorize this transfer, nor did I ever open an account with XXXX. 

I called XXXX directly to report this incident. I was told that multiple bank accounts were opened using my name. I asked if someone could check whether {$25000.00} had been deposited into any of those accounts, and I was told no. I then asked if the fraudulent accounts could be closed. I was told I needed to provide sensitive personal information such as my Social Security number, full name, and mailing address. 

I explained that I am the victim of identity theft and did not feel safe providing that information over the phone. At that point, the representative told me they could not help me and hung up on me. 

I have filed a police report in XXXX, PA, and there is an active fraud case with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Automatic bill pay on bank account erroneously paid mortgage twice on XX/XX/year>. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have car payment that will be in default on XXXX him my bank acct. XXXX XXXX to escalate on XXXX and to keep me advised that date. NEVER HAVE HEARD FROM HIM TO THIS DATE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX notes on account " situation is still under review for escalation XXXX XXXX XXXX XXXX XXXX XXXXXXXX on account, same, no new activity. Their so called XXXX XXXX XXXX XXXX XXXX' is only for XXXX reason, they are making interest on my money!! AND I STILL DON'T HAVE MY MONEY BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXXXXXX victim Identification theft victim also VIOLATION OF 15 USC CODE 1692g or 15 USC CODE 1666b. I have not supplied proof under the doctrine of XXXX  by silence. PLEASE REMOVE THE ERRONEOUS ACCOUNT ACCORDING TO THE LAWS REFERENCED ABOVE OR FACE LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX, am submitting this formal complaint regarding serious violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) and ( b ), by your agency, XXXX XXXX XXXX, and your legal representatives at Andreu Palma Lavin & Solis.

You initiated a lawsuit against me to collect an alleged debt without ever sending the required debt validation notice within XXXX ( XXXX ) days of your initial communication with me, as required by federal law. Only after I was served and appeared for my first court date did your attorney provide a so-called validation letter. However, that document was insufficient and did not include : The original signed contract, A full breakdown of the debt, including account history, payments, interest fees, and any other charges, A bill of sale including my name and account number, A clear chain of assignments showing the transfer of ownership of the alleged debt.

Filing a lawsuit without first fulfilling the mandatory validation requirements under 1692g ( a ), and subsequently providing an incomplete or improper validation letter, constitutes a clear and ongoing violation of my consumer rights. 

This improper and deceptive practice has caused me significant stress and confusion and interfered with my ability to meaningfully address or resolve the alleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX * * * * Balance : {$4300.00} XXXX XXXX XXXX * * * * Balance : {$2000.00} XXXX XXXX * * * * * * * * * Balance : {$16000.00}

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 2025-05-10 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: TX

Complaint narrative:
I am a victim of identity theft and I have a few items thats on my credit report that are on there without my permission I filed a identity theft report XXXX  when I found things where on my credit report thats was not authorized by me so now Im filing disputes to get these things removed because it is hurting me from getting things I need because of the negative things harming my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I have a Barclays savings account that I deposit and withdraw funds from, but I do the rest of my banking elsewhere. I changed my regular bank a few months ago so I had to change the external account that I transfer money to and from with the Barclays account. They have not approved my new external account so I have not been able to access any money from the savings account in months. They normally verify it with XXXX test deposits but they decided they needed more documents, my ID and bank statements. They told me to email them which I did on XX/XX/XXXX. Since then I have sent multiple messages and called but no one has helped me. I need to draw money from that account but I have no way to, there is {$2300.00} being held there with no way of accessing.

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To whom it may concern : I have a Chase Freedom XXXX card that offers the BENEFIT of a complimentary XXXX through XXXX  for FREE FOR 6 MONTHS. I was charged on XX/XX/XXXX - the day that I signed up. According to the terms and conditions on the Chase website, I should receive the benefit for FREE for 6 months until XX/XX/XXXX and then be charged after the 6 months are complete as long as I signed up between XX/XX/XXXX and XX/XX/XXXX, which I did. When I called two customer service representatives on two different occasions, the first time ( XX/XX/XXXX at XXXX XXXX  ) I was misinformed and told that it was only available to new members. I did not have a rebuttal because I was driving at the time of the call and could not look at the terms and conditions to verify if the information I was receiving was true. On the second call ( XX/XX/XXXX at XXXX XXXX ), the representative did not know and kept saying that I did not have XXXX as an " offer '', and when I corrected her and told her that I was referring to " benefits '', she needed to speak with someone else to help me. I never received that help or a follow up phone call. 

I sent a secure message about the issue and was told that they I would be " receiving a XXXX time credit of XXXX '' even though I provided screenshots of the terms and conditions and explained to them that it was a " benefit '' and that I should be receiving XXXX for free for 6 months. I responded and sent messages and was told that I need to contact XXXX. That doesn't make any sense, when the benefit is offered through Chase. What I am not going to do, is keep calling and sending messages to either Chase or XXXX every month to have this fixed when I've read the terms and conditions line by line. Someone there needs to contact me and educate the customer service representatives. If I'm charged on a monthly basis of {$9.00}, I should be receiving an immediate credit of {$9.00} up until XX/XX/XXXX. I should not have to call every month for a benefit that you all emailed me to remind that I had available to use. I've attached the screenshots, and I want someone with some sense and know what they are doing over there to read over the terms and conditions, my screenshots, and fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-09 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: TX

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. This is not my account, this is fraudulent. - Delete Account Immediately for violation of 15 USC 1681e ( b )

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 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
Formal Debt Dispute Request for Validation Under 15 U.S.C. 1692g To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt that XXXX XXXX XXXX is attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt, including but not limited to : Proof that XXXX XXXX XXXX has the legal right to collect this debt, including a valid chain of title demonstrating ownership. 

A full accounting of the alleged debt, including the original creditor, principal amount, interest, fees, and any payments made. 

A copy of the original agreement bearing my signature that establishes my obligation to pay this debt. 

Verification that this debt is within the applicable statute of limitations as set forth under 15 U.S.C. 1692f.

Additionally, I am asserting my rights under 15 U.S.C. 1692c to request that all communication regarding this matter be conducted in writing. Furthermore, I remind XXXX XXXX XXXX that any attempt to report invalid or unverified debt to the credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Until proper validation is provided, I am requesting that all collection efforts, including reporting to credit bureaus, cease immediately as per my rights under 15 U.S.C. 1692g ( b ). 

Please provide the requested documentation within 30 days. If XXXX XXXX XXXX is unable to validate this debt, I request that you remove any negative reporting and cease further collection efforts. 

I expect your prompt response. Failure to comply with federal law may result in legal action being taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: MD

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE {$0.00} XXXX XXXX BALANCE {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$65.00} XXXX XXXX XXXXXX/XX/2024

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 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I have been trying to surrender this vehicle since XXXX. They are refusing to be understanding that I ONLY agreed to the loan due to false representation of being getting a lifetime warranty and being able to refinance. Come to find out the XXXX owner used the warranty illegally as it is under the original XXXX owners name and also said Id be able to switch banks to get a lower payment in 2 months. The detective and United States XXXX XXXX was able to pull the call with XXXX  warranty, as the representative confirmed it is not under my name but is under the vin # for another person. & I was utterly shocked that I did not have a warranty to fix this high mileage vehicle. I would have NEVER agreed to a loan with this company had I known I did not have any warranties. Thats ridiculous. Yet they refuse to send me the email to surrender the car and only call me to collect past due payments that I shouldnt be liable for. XXXX had a double lien on this car and it could not be registered because of that. Therefore the contract should be null & void. XXXX  controller case # XXXX. You can call the detective to confirm this information but no one is doing this. The detective also had to issue a subpoenas for flagship to send paperwork ( contracts etc ) which I dont think they did because they refused to cooperate. This is a fraud loan and no one is recognizing this. The owner of XXXX is being investigating for malpractice with selling vehicles under case pretense amongst other illegal things. I need help. I am only a single mother trying to get by that fell for a scam unfortunately and no one seems to care. I have asked flagship for the contract which they refuse to provide.

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 2025-05-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX * * * * Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance Owed : {$3700.00}

Company response to consumer: Closed with non-monetary relief