vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am disputing unauthorized debit card transactions totaling over {$600.00} that were made on an XXXX account that does not belong to me. The purchases were not made from my XXXX account, my device, my IP address, or my phone number. I did not authorize these transactions, did not receive the merchandise, and did not benefit from the purchases in any way.

I reported the transactions to Chime promptly as debit card fraud. Despite this, Chime denied my dispute without providing sufficient explanation and without properly applying Regulation E, which governs unauthorized electronic fund transfers.

This was a card-not-present transaction conducted by a third party. I am requesting that Chime re-open and properly investigate the dispute in compliance with federal law and return the unauthorized funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
I brought a car from a dealership, and the dealership did not have the title so the dealership brought the car back from me and payed off the loan with American credit acceptance. Once the account closed on XX/XX/XXXX my credit score dropped over XXXX points because American credit acceptance reported I missed 3 car payments for the months of XXXX, XXXX, and XXXX before this my account was up to date and current. I called ask why this was reported as it is false and was told the account is closed and I would have to talk to the dealership but the dealership didnt report that I missed payment American credit acceptance did. I have documentation and bank statements proving that the payments were made on time and I have reported this to XXXX XXXX and it was denied by American credit acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted.I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.If you have any questions or need additional information, please contact me at the address below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: MT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDPT ED/AIDVXXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern,\n\nThis letter serves as formal notice pursuant to 15 U.S.C.  1692c(c) that I hereby demand you cease and desist from any and all communications with me regarding the above-referenced alleged debt.XXXXUnder federal law, upon receipt of this notice, you may communicate with me only to:XXXXXXXX1. Advise that further efforts to collect the debt are terminated;XXXX2. Notify me that you may invoke specified remedies; or\n3. Notify me that you intend to invoke a specific remedy.XXXXAny communication outside of these limited exceptions will constitute a knowing and willful violation of the Fair Debt Collection Practices Act.XXXXThis notice applies to all forms of communication, including but not limited to telephone calls, voicemail messages, emails, text messages, letters, and communications with third parties.XXXXXXXXPlease govern XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, my phone was stolen. Following this, unauthorized individuals opened a " Coinbase XXXX XXXX '' account without my consent. A fraudulent purchase of approximately {$2300.00} was made at XXXX, as well as the thieves opening a Coinbase XXXX  XXXX  for {$50.00}. 

I immediately filed a Police Report to Detective XXXX XXXX of the XXXX XXXX in XXXX XXXX XXXX and notified Coinbase. Despite speaking to support multiple times and being told " not to worry, '' Coinbase has failed to secure my account or recognize the fraud.

Furthermore, Coinbase claims they " can not refund '' my stolen Bitcoin and are still sending me automated notices that I am " 14 days past due '' on a fraudulent balance of {$50.00} that with late payments totals {$76.00}.

Coinbase is currently in violation of the Electronic Fund Transfer Act ( Regulation E ) by failing to investigate unauthorized electronic transfers and the Fair Credit Reporting Act ( FCRA ) by threatening my credit with a fraudulent debt. I have provided a police report, yet the company continues to allow their automated collections to harass me while refusing to return my seized property.

The company has ignored my repeated manual attempts to resolve this and continues to allow their automated collections system to harass me for a debt I do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: OK

Complaint narrative:
I am disputing the continued inaccurate and misleading reporting of a collection account by XXXX XXXX XXXX, which has been previously deleted by XXXX  but is still being reported by XXXX  and Experian. 

The original XXXX XXXX account that underlies this alleged collection was permanently deleted from my XXXX  credit report on XX/XX/XXXX, after it could not be verified. However, on XX/XX/XXXX, XXXX XXXX XXXX began reporting a new tradeline for the same alleged debt, using a falsified Date Opened just two days after deletion. This appears to be an unlawful attempt to re-age and re-report a previously unverified debt.

I have disputed this alleged debt multiple times in both XXXX and XXXX, and have made formal requests for full validation from XXXX XXXX XXXX, as well as a description of the procedures used to verify the account from XXXX  and Experian. 

None of the parties involved have complied with their legal obligations under 15 U.S.C. 1692g ( b ) ( failure to validate upon written request ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ), or 15 U.S.C. 1681i ( a ) ( 7 ) ( failure to disclose the method of verification ). 

XXXX  and Experian continue to report this account as verified and accurate, despite my documented disputes, XXXX deletion, and the furnishers failure to validate the debt or correct the inaccurate reporting. 

I am requesting XXXX XXXX XXXX immediately delete this account from all credit reporting agencies and cease all collection activity, and XXXX  and Experian immediately remove this tradeline, as the information is unverified, inaccurate, and 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 explanation
Consumer complaint received 2025-12-21 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
The issue is with EquiFax and Experian where my social security number and other personal information were removed at some point when I was under XXXX from my credit files by my parents, and now my credit is largely inaccessible with EquiFax and Experian. For Equifax, the fields under personal information for my name, social security number, date of birth, address, phone number, and employment history are blank. Despite me having XXXX lines of credit, which all appear with XXXX, none of my lines of credit appear on my EquiFax file because of the missing personal information. I also get errors trying to freeze/ unfreeze credit online because of this, however after providing all of this personal information over the phone with Equifax they can freeze/unfreeze my credit, and whether my credit is frozen or not is visible to me on my online account. When trying to file a dispute online, I get the error message We are temporarily unable to complete this request. Please try again later. Which has appeared over the last XXXX years Ive tried fixing this. When calling to dispute, Ive been told I have to mail a copy of my social security card and drivers license to the dispute center with instructions to update the fields, and after doing so my information was still not fixed and when calling I was told the mail wasnt received. 

With Experian, I have the same issue where my social security is not associated with my credit file, and when attempting to create an account online using my social security and personal information I get the following error message We are currently unable to process your request. 
We have encountered an internal system error. Please note that your order has been canceled. Sorry about the inconvenience. which has appeared at least since I started trying to access my credit and fix my missing personal information in XX/XX/year>. Similarly, I tried mailing copies of my SSN and ID to Experian in XX/XX/year>, and never received a response.

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 2025-12-21 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: TX

Complaint narrative:
I do not recognize this account, and it has been reported incorrectly on my credit file.

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 2025-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
Harris & Harris , Ltd. is attempting to collect and offering settlement on a debt that is actively disputed and simultaneously claimed by another debt collector, XXXX XXXX XXXX, XXXX, under the same account number, original creditor, and balance. Harris & Harris has failed to provide lawful debt validation and is engaging in deceptive and unfair collection practices in violation of the FDCPA and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I saw that my credit score had dropped over XXXX points. I did not know which account caused this. Upon checking my credit report, I found Bank of America as a delinquent payment for 60 days, I never received notice of the annual fee of this account, I didnt even know I had it until it was reported on my credit. I called bank of america and they told me no one was available to help me with finding this account. After finding the credit card that was never activated, I logged into my online banking and saw that they charged me an annual fee, but never notified me of said charge.

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 monetary relief
Consumer complaint received 2025-12-21 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: LA

Complaint narrative:
Re XXXX  XXXX Credit Card Account Account Number XXXX I am disputing the accuracy of the XXXX  XXXX credit card account referenced above and am requesting correction, not deletion. 

This account is reported as Open ; however, the payment history reflects 30, 60, 90, and 120 days past due from late XXXX. An open account can not be reported as current while simultaneously showing severe delinquencies. If the account is currently past due, the present delinquency must be reported accurately. If the account is current, the past due indicators must be limited to the historical months in which they occurred and not carried forward. 

Additionally, the remark stating the account is scheduled to return to a positive status by XX/XX/year> is misleading and contradicts the account being reported as open. This remark should be removed. 

The tradeline also lacks recent payment activity despite listing a monthly payment amount, making the reporting incomplete and inaccurate. 

Please conduct a reasonable investigation and correct the account status, payment history, and remarks to reflect maximum possible accuracy under the Fair Credit Reporting Act.

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 2025-12-21 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: GA

Complaint narrative:
Despite the account being paid off, it continues to display inaccurate late payment entries.

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 2025-12-21 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: UT

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report. 

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose. 

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

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 2025-12-21 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: UT

Complaint narrative:
I'm reaching out to demand the immediate deletion of a tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it is not being reported with the maximum possible accuracy, as required by law. Thats not just a technicality thats a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

Let me be clear : If you can not report this tradeline with 100 % precision down to every detail, from dates to balances to payment history then you have no legal right to report it at all. Reporting partial, inconsistent, or unverifiable data is not only misleading, it directly damages my creditworthiness and credibility as a consumer. Thats not something I take lightly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: NC

Complaint narrative:
The account was completely paid, however the report still inaccurately shows late payments.

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 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I made 1 payment of {$50.00} and I need to make another smaller payment however this company will not work with me on making a payment that fits my current situation. I also need them to provide me with access information to my account. I can not access the account to make any payments it states my information is invalid when I try to login. Need to get that information to process payment on my end. I would like to discuss an affordable payment plan or a settlement amount for half of what the remaining balance is so I can close down this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Although this account was paid in full, it continues to show late payment notations on my 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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Balance : {$150.00}

Company response to consumer: Closed with non-monetary relief