vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-21 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: OR

Complaint narrative:
Issue : Rewards Redemption Deceptive or Misleading Practices Company : JPMorgan Chase Bank , N.A . 

Complaint : Im filing this complaint regarding my experience with Chase related to redeeming my Ultimate Rewards points via direct deposit. 

As a Chase/XXXX  XXXX XXXX, I attempted to redeem my rewards points as a direct deposit to an external bank account. The Chase website clearly states that you can go to " Profile and Settings '' to add an external account for direct deposit of rewards. However, this option does not exist anywhere in the interface.

After wasting a significant amount of time trying to find it, I tried adding an external account under the " Payments '' section, hoping it would then show up as an eligible account for point redemptions. Even after doing this, the external account did not appear as an option for depositing rewards.

This process should be simple and straightforward, but Chase has made it unnecessarily convoluted, and it feels intentionally designed to discourage direct deposit redemptions in favor of statement credit which results in more profit for the company. This is a deceptive user experience that undermines customer trust and makes it unreasonably difficult to access the full value of the rewards program.

Furthermore, when I attempted to provide feedback through Chases own message system, I encountered yet another barrier : their feedback form would not allow the use of basic punctuation like quotation marks. This made submitting any thoughtful or clearly written complaint nearly impossible, further reinforcing the impression that Chase is actively trying to prevent users from voicing concerns or holding them accountable.

In short, I believe Chase is engaging in deceptive practices by : Advertising a feature ( adding an external account via Profile and Settings for rewards ) that does not exist Making the process to redeem points as direct deposit intentionally difficult Designing a feedback system that discourages clear communication by rejecting standard punctuation I am seriously considering closing my account over this experience. I am requesting that the CFPB review this issue and push Chase to ( 1 ) correct its misleading documentation, ( 2 ) make direct deposit redemption of rewards truly accessible, and ( 3 ) provide a basic, usable way for customers to submit feedback. 

Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: SC

Complaint narrative:
I am a victim of a scam which has been identified and lawsuit filed by the FTC. Please see the letter I received from the FTC attorney below. The fraud was from Growth Cave also doing business under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( " XXXX '' ). The scheme was to offer services they did not provide and get victims to signup for a loan with their partner company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( " XXXX '' ) to pay for the service. The loan money went straight to XXXX XXXX and I was stuck with a loan and no service. 

The FTC has filed a lawsuit XXXX XXXX XXXXXXXX. 

Unfortunately, Experian and Transunion both have not removed this account XXXX. 

XXXX from FTC Attorney XXXX afternoon, I hope you are doing well. I am reaching out with an update on the XXXX XXXX matter. 

We recently filed a lawsuit against XXXX XXXX. You can read more about the case on our website here : FTC Takes Action to Stop Sprawling Growth Cave Business Opportunity and XXXX XXXX XXXX XXXX Federal Trade Commission We are still in the early stages of the lawsuit and so far we have obtained a temporary restraining order to stop Growth Caves bad business practices. Thank you so much for the time and effort you put into speaking with us and signing a declaration. We really appreciate your help putting together a strong case. 

We do hope to seek monetary relief from XXXX XXXX at a later stage of the lawsuit. We will provide more information when we reach that stage. In the meantime, please feel free to contact me with any questions. 

Best, XXXX XXXX. XXXX Attorney Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) 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 2025-03-21 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I've noticed that my credit report contains incorrect personal information, which has caused this unknown, inaccurate and fraudulent account to appear. Unfortunately, I have been a victim of identity theft. My information was used without my authorization, resulting in a fraudulent item on my report that I have no connection to. Following the credit bureaus ' guidance, I promptly filed a report with the Federal Trade Commission ( FTC ) and submitted it for review. Despite this, the fraudulent item remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-21 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: Experian Information Solutions Inc.
State: FL

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 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone fraudulently opened a credit card under my name and SS # in XX/XX/year>. I received an alert immediately from my credit monitoring service about the card opened under my name without my knowledge and consent, so I contacted the credit card company, XXXX XXXX XXXX, to cancel the card immediately, which they did. The card was canceled and was removed from my credit report, but the hard inquiry from the credit application still appeared on my credit report, which negatively affected my credit by making my XXXX XXXX drop by XXXX points, with one of the credit reporting agencies, TransUnion. I wrote TransUnion to have the hard inquiry removed from my credit report, but they refused and said that the credit card company themselves would have to submit that request to remove the mistaken hard inquiry. After multiple written requests and phone calls to XXXX XXXX XXXX, they finally assured me that the hard inquiry would be removed within XXXX weeks - 60 days. It has been about XXXX months now, and after more phone calls and written requests to Trans Union, no one within their company apparently seems to know how to go about having this hard inquiry removed from my Trans Union 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 2025-03-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My son received a call that appeared on his phone as USAA Fraud. Somehow, the scammers were able to spoof the real USAA number, making it seem completely legitimate. They deposited fraudulent direct deposit checks into his account and then pressured him into returning the funds, claiming they were mistakenly added and needed to be sent back. Believing he was dealing with USAA, my son complied.

Shortly after, he noticed continued withdrawals and immediately called USAA. Unfortunately, not only was all of his hard-earned summer job money stolen, but because his account was linked to my USAA American Express for overdraft protection, an additional {$9500.00} was withdrawn in overdraft fees.

USAA was able to recover some funds but ultimately denied our fraud claim, stating that my son authorized the transactions because he followed the fraudsters ' instructions. Despite my longstanding XXXX relationship with USAA, XXXX refuse to remove the {$9500.00} overdraft charge, citing that their decision is final. 

According the the USAA website, " Unauthorized use '' means the use of a credit or debit card by someone other than you who does not have actual, implied, or apparent authority for such use, and from which you do not receive a direct or indirect benefit. I did not authorize the use of my credit card. Additionally, the total overdraft charges appeared on my credit card XXXX days after the fraud was reported to USAA. Therefore, USAA should honor their own XXXX Liability Fraud Policy as well as the Electronic Fund Transfer 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized items remain on my credit report as a result of the fraudulent use of my personal information, and I have never received any benefit from these transactions. Understanding the severity of the situation, I quickly filed a report with the Federal Trade Commission, expecting a resolution. However, despite following all the proper steps, these fraudulent items persist on my report. This has become incredibly frustrating, as I continue to face the damaging effects of someone else 's misuse of my identity.

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 2025-03-21 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: FL

Complaint narrative:
Immediate deletion of all disputed accounts from my TransUnion credit report because they have not been properly verified.

An investigation by the CFPB into TransUnions practices and failure to comply with the Fair Credit Reporting Act. 

Compensation for any damages caused by the inaccurate and unverifiable reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
incorrect personal information on 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 non-monetary relief
Consumer complaint received 2025-03-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX and Experian for reporting inaccurate late payments on my credit file despite repeated disputes and proof that the information is incorrect. 

What Happened? 
I have been disputing XXXX inaccurate late payments with both XXXX and Experian for months regarding the following accounts : XXXX XXXX ( Auto Loan ) Closed/Paid Off American XXXX Finance XXXX XXXX Loan ) Closed/Paid Off XXXX has already investigated XXXX disputes and removed the late payments, correctly reporting both accounts as paid as agreed with no late payments. However, XXXX and Experian continue to inaccurately report these accounts as having late payments, despite the clear evidence proving otherwise. 

I have submitted multiple disputes to both credit bureaus, providing the necessary documentation, yet they refuse to correct my report. This has negatively impacted my XXXX XXXX and financial opportunities, even though both auto loans were paid off in full and never late. 

Actions Taken by Me : I disputed the inaccurate late payments with XXXX and Experian multiple times. 
I provided them with proof from XXXX showing that these accounts should be reported as on time with no late payments. 
I requested that they update my credit report to match the correct reporting by XXXX, but they have failed to do so. 
XXXX Requested from CFPB : I am requesting that XXXX and Experian be required to correct my credit report immediately by removing the inaccurate late payments, just as XXXX has already done. I am also requesting that they provide a valid explanation as to why they continue to report incorrect information despite clear evidence. 

This issue has caused unnecessary damage to my credit profile, and I seek urgent intervention to ensure fair and accurate reporting. 

I appreciate your assistance in resolving this matter as soon as possible.

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 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have an account with Coinbase.com for cyber currency investment. 
Starting XX/XX/year> in my coinbase.com, I found transactions I never authorized. They purchased XXXX and Tether with my XXXX money ( {$2500.00} ) and sent those cyber money to unknown accounts. Also, they sold my XXXX and XXXX ( {$640.00} ), and they sent my XXXX, XXXX, and XXXX to unknown accounts. I made reports and complaints to Coinbase.com, and requested recovering since Coinbase.com knew the unknow accounts and the hackers who mad the transactions. 
However, Coinbase.com have not acted any recovering movement.

Company response to consumer: Closed with explanation