vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: AR

Complaint narrative:
Upon reviewing my credit reports, I have identified several inaccuracies. 
I am writing to formally dispute the accuracy, completeness, and verifiability of these accounts and inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED/NO PERMISSABLE CAUSE INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off Status Conflicts With Reported History 2. Incomplete / Missing Data Account Is Legally Incomplete 3.Potential Re-Aging / Misreporting of Dates

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 2025-11-16 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: WA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a cashiers check for {>= $1,000,000} into my Chase checking account. The cashiers check was issued from my personal account at XXXX  XXXX XXXX and represented proceeds from a legitimate company stock sale. I subsequently also deposited a {$2500.00} check, making the total balance of the checking account {>= $1,000,000}. 

On XX/XX/year>, I was informed by Chasewithout any explanationthat my checking account would be closed due to fraud concerns. I was told by multiple Chase representatives, both in person and over the phone, that the funds would be returned to me within XXXX business days. 

It has now been XXXX month, and I have still not received the funds. Each time I contact Chase customer support, I am given conflicting information about the status of the return of my money. No clear explanation has been provided for the account closure or the continued delay in releasing my funds. 

I am requesting assistance in having the full amount returned to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: KS

Complaint narrative:
In XXXX of XXXX I leased a car through a company called XXXX which was a XXXX XXXX XXXX a week after I purchased my car XXXX  happened, during the duration of me having my car I struggled to keep up payments due to The XXXX  XXXX pandemic with work being laid off I maintained to pay for my car I was paying {$530.00} per month along with insurance for the car I was struggling and was getting calls from the companies reps about being behind on my payments and when should they receive a payment, after making a payment for more than I was supposed to pay thinking paying more would help the loan because that's what I was being told by the reps, still wasn't enough and everyday no matter if I paid more or not on the loan nothing but XXXX XXXX  was being applied to the loan, the rest was going to interest, and still after struggling to keep up with payments for this vehicle and getting behind the car was repossessed and sold, just to keep my credit from ever improving and in poor status, I complained my concerns to the XXXX  who is never of any help, and this company was allowed to basically XXXX XXXX of the money I had payed into that car my car was repossed on XX/XX/XXXX, because I couldn't keep up the demands of this greedy company who fraudulently took my money and car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc.
State: SC

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Coinbase regarding their failure to allow me to withdraw funds from my account for over a week, specifically during the week of XX/XX/year>, despite following all necessary procedures. 

XXXX XXXX  Details of Issue XXXX XXXX XXXX XXXX XXXX XXXX  Account Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue XXXX XXXX XXXX Difficulty in withdrawing funds XXXX XXXX XXXX Duration XXXX XXXX  : Over a week ( week of XX/XX/year> ) Since XX/XX/year>, I have attempted to withdraw funds from my Coinbase account but have been met with repeated delays and lack of communication from their customer support team. My account is fully verified, and I have adhered to all withdrawal protocols, yet my requests remain unprocessed. 

This situation has caused me considerable inconvenience and distress, impacting my ability to access my funds for personal financial obligations. I have reached out to Coinbase support multiple times but have not received a satisfactory resolution. 

I urge the CFPB to investigate this matter to ensure that Coinbase is held accountable for providing fair and timely financial services to its customers. 

Thank you for your attention to this serious matter. I look forward to your prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
A fraudulent account was opened in my name while I was incarcerated. 
I did not open this account, authorize it, or benefit from it. 
The creditor reported the account to the credit bureaus even though I was physically unable to open or use any credit. 
I am requesting deletion under FCRA 605B and all proof of how the account was opened.

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 2025-11-16 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:
A fraudulent account was opened in my name while I was incarcerated. 
I did not open this account, authorize it, or benefit from it. 
The creditor reported the account to the credit bureaus even though I was physically unable to open or use any credit. 
I am requesting deletion under FCRA 605B and all proof of how the account was opened.

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 2025-11-16 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: NY

Complaint narrative:
A fraudulent account was opened in my name while I was incarcerated. 
I did not open this account, authorize it, or benefit from it. 
The creditor reported the account to the credit bureaus even though I was physically unable to open or use any credit. 
I am requesting deletion under FCRA 605B and all proof of how the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XX/XX/year>, I received an email from PayPal Cashback World Mastercard ( issued by Synchrony Bank ) stating that a new billing statement was ready. The statement showed a balance of {$510.00} with a minimum payment due of {$29.00} by XX/XX/year>. I did not open or authorize this credit card account, nor did I make any purchases associated with it. I believe this may be a case of identity theft or unauthorized account activity. I disputed the charges with the issuer and requested documentation regarding how and when the account was opened. I have not received a physical card, nor did I initiate any application for this product. I am requesting that the account be closed, the charges removed, and any impact to my credit report reversed.

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 2025-11-16 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Amsher Collection Service Debt Collectors Address Re : XXXX Dear Amsher Collection Service I am responding to your contact about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Its says my loans dont need to be repaid until XX/XX/year> however in the last XXXX months my credit has dropped and it now says unpaid accrued interest XX/XX/year> is now {$200.00}. My loans are in deferment XXXX dont know why XXXX getting charged interest all of a sudden

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX For All Credit Bureaus & Secondary Reporting Agencies Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Subject : REQUEST FOR IMMEDIATE SECURITY FREEZE ON ALL CONSUMER FILES To Whom It May Concern : I am submitting this formal request for a full security freeze ( also known as a credit freeze or file freeze ) to protect my consumer information from unauthorized use, fraud, or identity theft. 

Under the Fair Credit Reporting Act ( FCRA ) and all applicable state laws, you are required to place a security freeze on my consumer file upon request. 

Please ensure that : No third party may access my consumer file No new accounts may be opened in my name No soft or hard inquiries may be performed No credit extensions may be viewed without my express written authorization Please provide written confirmation of the freeze and my PIN/password needed to temporarily lift or remove the freeze. 

Below is my identifying information for verification : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX REQUEST SUMMARY I am requesting : Immediate application of security freeze Written confirmation of the freeze PIN/password for lifting the freeze Removal of access by unauthorized parties If additional identity documents are required ( ID, utility bill, etc. ), please notify me. 

CERTIFICATION I certify that this request is made by me, the owner of the consumer identity listed above. Please process this freeze promptly in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-11-16 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:
Between XXXX and XXXX, multiple credit accounts, collection accounts, and derogatory entries appeared on my credit reports that I did not open, authorize, or recognize. Some of these accounts were shown as opened in XXXX, XXXX, XXXX, and XXXX, and several reported balances ranging from a few XXXX dollars to more than {$10000.00}. These accounts included credit cards, buy-now-pay-later loans, and collection accounts that reflected charge-offs, 120-day late payments, and even a repossession remark from XXXX that I had no knowledge of. None of these accounts or negative events reflect my actual financial activity. 

Once I discovered these issues, I disputed the accounts with the credit bureaus and contacted the companies reporting the information. I submitted documentation showing that I did not authorize these accounts and requested that the fraudulent or inaccurate information be removed. Despite these actions, several of the disputed accounts and incorrect balances continue to be reported. The companies involved have either failed to respond adequately or have continued reporting the information without verifying its accuracy. Because these accounts were created without my consent and the negative information is not valid, I am requesting that the companies involved correct or remove all inaccurate or fraudulent data from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: IL

Complaint narrative:
Between XXXX and XXXX, multiple credit accounts, collection accounts, and derogatory entries appeared on my credit reports that I did not open, authorize, or recognize. Some of these accounts were shown as opened in XXXX, XXXX, XXXX, and XXXX, and several reported balances ranging from a few XXXX dollars to more than {$10000.00}. These accounts included credit cards, buy-now-pay-later loans, and collection accounts that reflected charge-offs, 120-day late payments, and even a repossession remark from XXXX that I had no knowledge of. None of these accounts or negative events reflect my actual financial activity. 

Once I discovered these issues, I disputed the accounts with the credit bureaus and contacted the companies reporting the information. I submitted documentation showing that I did not authorize these accounts and requested that the fraudulent or inaccurate information be removed. Despite these actions, several of the disputed accounts and incorrect balances continue to be reported. The companies involved have either failed to respond adequately or have continued reporting the information without verifying its accuracy. Because these accounts were created without my consent and the negative information is not valid, I am requesting that the companies involved correct or remove all inaccurate or fraudulent data from my credit reports.

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 2025-11-16 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: MO

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a XXXX  party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by 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
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Fl XXXXXXXX XXXX XXXX XXXX ] [ XXXX ] Date : [ XXXX XXXX ] To : ] [ Equifax XXXX XXXX XXXX XXXX Experian XXXX XXXX  ] Dear [ Equifax information Service LLC, XXXX TransUnion ] I am writing to formally dispute the accuracy of a charge-off account that appears on my credit report. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which gives me the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable.

The account in question is listed as follows : Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Reported Status : Charge-Off Date Opened/Reported : [ XX/XX/XXXX last date reported XX/XX/XXXX ] Creditor Name : [ XXXXXXXX XXXX credit union ] Account Number XXXX [ XXXX ] ] Reported Status : Charge-Off Date Opened/Reported : [ XXXX last date reported XX/XX/XXXX ] After reviewing my records, I believe this reporting is inaccurate and/or unverifiable. 
Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of this disputed information. If the creditor or furnisher can not verify the accuracy of the charge-off entry within 30 days, it must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I saw a Collection on my credit report that I didnt do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and Equifax has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

Company response to consumer: Closed with non-monetary relief