vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Went to check my bank account yesterday. Noticed unusual charges of XXXX for the last XXXX months ( XXXX, XXXX, XXXX ). Went back to the company 's website ( Coinbase ) and tried to look if I signed up for some sort of recurring service. Wasn't able to find the subscription. Contacted support, was shown where the subsription was set ( deep through the website, not easily available on XXXX at all ). Explained that I don't recall subscribing to the service nor utilized the service. Was told the refund will be provided, was expecting refund for XXXX ( XXXX ) months, since the serivce wasn't used since XXXX ( wasn't even logging into the Service/Coinbase ). Received refund overnight for XXXX month. Asked to refund the rest of the months ( XXXX ), was told it is not possible due a policy. 

re : case XXXX email : XXXX Yesterday after login into my bank account I realized I'm being charged XXXX since XXXX. 
I don't recall subscribing to the service ( Coinbase XXXX ) nor I have logged in or utilized Coinbase since XXXX. 
I'm assuming I didn't uncheck a checkboz or something, a silly mistake on my behalf, which cost me {$100.00}. 
I spoke to a very nice agent yesterday and he told me the funds can be refunded, but seems like only {$29.00} was refunded. 
Would be too much to ask to refund the qwhole amount, after all it was a honest mistake to sign up and I didn't utilize the service at all? 
Please consider if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I closed on a new house on XX/XX/XXXX of 2025. The mortgage was through SPS Servicing. They sold the loan to XXXX XXXX at some point in XXXX. I made a payment with SPS on XX/XX/XXXX ( this was the first payment due ). I got a letter stating the loan was being transferred the XXXX XXXX. After the payment was made to SPS on XX/XX/XXXX, I kept checking the account with XXXX to see when/ if the payment I made to SPS posted to the XXXX  account. When I called SPS, I was told they send the payment to XXXX  and it can take 60 days for the payment to post, however during that time I will not be hit with any late fees and my credit would not be affected. After a few weeks I contacted XXXX and they said they have not received the payment from SPS and the account balance they were showing was the full account balance as of closing day ( $ XXXX ). I called both SPS and XXXX many many times and no one can tell me where my payment went. Meanwhile, the payment to this day has still not posted to XXXX and they are telling me I am 30 days behind every time I try to make a payment. XXXX launched an investigation into where the money is and it turns out SPS stated they sent the money to another compay called XXXX XXXX XXXX instead of sending to XXXX. They failed their fiduciary duty to properly handle my money by sending it to the wrong company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
UPON MY REVIEWING MY EXPERIAN.COM ACCOUNT I NOTICED MULTIPLE ACCOUNTS OPENED IN MY NAME THAT WERE OPENED FRADULENTLY

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
As of my most recent credit report dated XX/XX/year>, the account is being reported as charged off with a past due balance of {$3500.00} However, I am enclosing a letter dated XX/XX/year>, from XXXX XXXX XXXX XXXX ( Reference XXXX XXXXXXXX ), the agency representing XXXX  XXXX, confirming that this account has been paid in full, resolved, and closed in their office. 
Based on this documentation, I am requesting the following corrections be made to my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint against Experian for its persistent and unlawful failure to comply with the Fair Credit Reporting Act ( FCRA ), and its continued lack of response to my repeated efforts to resolve critical errors on my credit report. 

In XX/XX/XXXX, I submitted a request to Experian for a copy of my full credit report. As of today, it has been well over 30 days, and I have yet to receive the report, an outright violation of my rights under the FCRA. 

This is not an isolated incident. Since XXXX, I have consistently contacted Experianthrough letters, disputes, and formal requests pleading for the removal and correction of false, inaccurate, and derogatory information that they continue to report. Despite overwhelming documentation and years of effort, Experian has willfully and negligently failed to correct this misinformation. Maintaining knowingly inaccurate information for over a decade is not only unethical ; it is unlawful under the FCRA. 

Moreover, Experian has also repeatedly ignored my requests to include my 100-word consumer statement in my credit file, which is another blatant violation of my rights. I have submitted this statement multiple times, yet it still does not appear. 

Most recently, between XXXX and XX/XX/XXXX, my credit score dropped XXXX points without any legitimate reason. I have XXXX balances on all revolving accounts and have made consistent, timely payments on my mortgageoften with additional principal payments. There have been no negative changes to my credit usage, balances, or history that would warrant such a drop. This unexplained decline further suggests errors or manipulations in the way Experian is reporting or calculating my credit score.

The pattern of negligence and refusal to take action is alarming. I believe Experian is deliberately failing to meet its obligations under federal law, and as a consumer, I am being unfairly and unlawfully harmed!

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute inaccurate billing and reporting errors affecting my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately apply payments and provide proper billing notices.

Payments I made were not correctly credited, and there are clear calculation errors in the reported balances. Additionally, I was not given the required 21-day notice before payments were due, rendering any late marks invalid.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We applied to our bank Chase for a commercial loan, our bank representative at Chase in XXXX XXXX XXXX, XXXX XXXX was aware of a XXXX exchange we had & knew the closing dates for the exchange. In the process of the loan, Chase decide to close one of our accounts that was dependent on the commercial loan. XXXX XXXX informed us that he would fix the problem & had mentioned it was an over zealous back room banker that decided to close our accounts. He informed us it wouldn't be an issue & that he would take care of it. 

For over a month, he continued to ask for information of which some of it, he expressed that by law he would have to give us an answer by a certain deadline. 

After almost a month & a half of back & forth with Chase, They finally closed XXXX of our accounts as of today & another account by the end of the month. 

We feel XXXX XXXX XXXX defrauded us by telling us what we wanted to hear will our deadline for our XXXX was approaching. At the end, when he realized that he couldn't fix the closure of the account & like he said, he only gets paid closing loans which in this case, he abandoned us at the last moment. Now we are scrambling to open new accounts & with the time left on the XXXX exchange, we will be on the hook with the US Government for over {$100000.00} by not completing the XXXX due date. Our credit, 35 % downpayment, money in bank & profitable years made us a sure candidate for the loan. 
We were never told why they closed our accounts or turning down or loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian, and Equifax because they are willfully failing to conduct proper reinvestigations of multiple inaccurate accounts on my credit report. I have disputed the following accounts multiple times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my repeated disputes, Experian, and Equifax continues to verify these accounts as accurate without providing any documentation or signed agreements from the furnishers. This violates the Fair Credit Reporting Act FCRA 15 USC 1681i which requires a credit reporting agency to conduct a reasonable reinvestigation within 30 days and remove any unverifiable information. 

Experian, and Equifax has stalled the process by repeatedly requesting identification and proof that is not legally required since I have already submitted disputes multiple times with supporting documents. Under FCRA 15 USC 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ), once a consumer disputes an account the credit bureau must either verify the accuracy with real documentation or delete it. Both Experian, and Equifax has not provided any proof and is instead relying on automated responses without a real human investigation which violates 15 USC 1681i ( a ) ( 3 ). 

This failure to properly investigate has allowed inaccurate and harmful information to remain on my credit file causing me financial harm, denial of credit opportunities, and emotional distress.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There have been applications made in my name that I did not authorize or recognize, resulting in multiple unauthorized inquiries on my credit report. These fraudulent inquiries have negatively impacted my credit score and are causing unnecessary stress and concern in my life. I previously contacted the credit bureau and was assured by a representative that these inquiries would be removed. However, they are still appearing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
Good morning, I have received a notification from the XXXX XXXXXXXX XXXX that my XXXX score has been impacted due to an account on " Collection ''. This account is reported by the Central Portfolio Control Inc. on behalf of the XXXX XXXX XXXX XXXX under the account # XXXX, date of service : XX/XX/2023! 
To the best of knowledge, since I have been covered by the XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXXl must be fully covered. I still do carry the same insurance provider. Therefore, this charge must have been generated by the third-party service provider at the XXXXXXXX at the time of my XXXX XXXX 
Please take a prompt action on the behalf of the customer, since I do not believe that such medical billing, which are manufactured without my consent, should affect my XXXX XXXX or report. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I am submitting this complaint with absolute certainty and deep frustration. My credit report contains numerous errors that I can no longer overlook. These inaccuracies have been negatively affecting my life and credit score, preventing me from achieving financial freedom and stability.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting TransUnion to please make a correction to my credit report and delete all the late payments on this account : Name of the account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have previously disputed Experian, XXXX and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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