vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
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

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 2025-08-23 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: OK

Complaint narrative:
I am writing to dispute several accounts on my credit report that are fraudulent and were not opened or authorized by me. 

Please investigate these accounts and remove them from my credit report : 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} Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am formally disputing these fraudulent accounts. Please investigate, remove them, and provide me with an updated credit report 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 2025-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I will be opening a lawsuit against capital one and make a compliant with the Consumer Financial Protection Bureau for my consumer rights being violated I reported unauthorized fraudulent charges to capital one and they violated my consumer rights and denied the claim when the merchant randomly charged and took money from my account without my consent without me knowing and capital one did no efforts in retrieving my money back and denied the claim stating due to electronic activity logging into the bank app but thats completely irrelevant because the merchant literally was just taking money off my card/account they had my card information and capital one acted against my consumer rights. Electronic activity is logging into the bank app and that is completely irrelevant to what happen the merchant took money out of my account fraudulently and if capital one does not solve this issue I will be opening a civil lawsuit and suing capital one for violating my consumer rights account ending in XXXX on XX/XX/year>, for {$2600.00}. claim number is XXXX Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: GU

Complaint narrative:
Numerous time tried to login to Experian.com but couldnt and logged to Experian upload documents. Why I do not understand why are they freezing my file/account without any consequence person XXXX the legit account can not get process for anything. Would any federal bereau make a policy or law that these agencies need out consent and approvals.

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 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
When I contacted the two banks that did either wire or XXXX Chase bank did all XXXX and they said they would make a report of it however, it was a civil matter because it was made through XXXX when I contacted the other bank who is encore bank the lady I spoke with said she was unfamiliar with what to do in the situation and that she would have somebody call me back, but I think she thought that this may be a federal matter. I have not heard back as of yet, and this was last Thursday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is regarding Portfolio recovery collection agency, they turned a debt over onto my credit report listed as derogatory. I never received anything via mail, via email regarding the validation of the debt. The dates and times are incorrect. I never received any notice from this company. They just placed the debt onto my credit report without notice. They also have very old junk debt from almost 20 years ago they still keep on file??? stating debt from 2008!! no proof and it was not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Issue : Misrepresentation of credit card benefit by Chase customer service. 

On XX/XX/year>, I called the number on the back of my Chase Sapphire Reserve XXXX XXXX to ask whether my card qualified for the {$150.00} XXXX benefit. I provided my business card number, and the Chase representativeafter checkingexplicitly confirmed that I would receive the benefit if I made a XXXX purchase that day. 

Relying on this assurance, I completed my purchase. I later discovered that the representatives information was incorrect : the XXXX benefit applies only to the personal Sapphire Reserve card and not to the business version. 

This error caused me to lose a {$150.00} benefit I otherwise would have received, since I also hold the personal Sapphire Reserve card and would have used it had I been properly informed. Two subsequent Chase representatives acknowledged the benefit does not apply to the business card but declined to honor the original assurance I was given. 

I believe this constitutes a misrepresentation of product benefits and a financial loss due to reliance on incorrect information provided by Chase. I am requesting that Chase provide the {$150.00} benefit that was promised at the time of my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
To the best of my recollection, I believe I saw FXXXX XXXX XXXX XXXX  ) in the New on Coinbase tab in their app, and decided to swap {$170.00} worth of XXXX for XXXX on XX/XX/year>XXXX  at approximately XXXX EST. Shortly thereafter after, I noticed that I was no longer able to trade XXXX on Coinbase and assumed it was a probably a system glitch due to the coin being new. However, after numerous attempts to send my XXXX  coins to my wallet failed ( only option since trading was no longer available ) I contacted customer service via the app and posted on XXXX  ( XXXX ). I was told advised that, Please note that transfers of XXXX on XXXX have been frozen by the project team, preventing sends off of Coinbase. and links to post regarding XXXX dated XX/XX/year>. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I should NOT have been able to convert coins to XXXX  on XX/XX/year> - just six ( 6 ) minutes before they planned to suspend trading of this coin and freeze the ability to send the coin to a wallet. 

I suspect that Coinbase must have experienced some system issues prior to delisting XXXX, which inadvertently listed the coin on their New on Coinbase tab and allowed the ability to conduct market purchases- which was supposed to have been suspended on XX/XX/year>. 

Nevertheless, Coinbases error has left me and numerous other consumers ( XXXX XXXX XXXX  ) unable to sell, trade, or send our coins to a wallet- essentially leaving us with no options to recover our coins or funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AZ

Complaint narrative:
I am filing this complaint because my Equifax credit report contains multiple inaccurate and unverifiable items that are seriously affecting my creditworthiness and ability to access financial products. Despite my repeated disputes, these errors remain on my report, and Equifax has failed to properly investigate or provide documentation to support their reporting. 

My report lists an incorrect address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, which has never been associated with me. Reporting a false address exposes me to identity theft, misrepresents my personal information, and demonstrates that Equifax is not maintaining the accuracy required under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). 

I am also disputing several accounts that are inaccurately reported or unverifiable. These include XXXX XXXX XXXX account XXXXXXXX XXXX XXXX  account XXXXXXXX XXXX  account XXXX, XXXX FIN account XXXX, XXXX account XXXX, and XXXX XXXX XXXX account XXXX. Some of these accounts are reported as charge-offs despite showing XXXX balances, while others are accounts I have never opened. Equifax has provided no documentation from the original creditors to validate these items, which violates FCRA 1681i ( a ) and 1681e ( b ). 

The reporting of unverifiable charge-offs and collections is causing significant financial harm, including limiting my ability to qualify for loans, credit cards, and housing. Equifaxs failure to remove these items after repeated disputes is a clear violation of federal law.

I am requesting that the Consumer Financial Protection Bureau ensure Equifax conducts a full reinvestigation of my credit report and deletes all items that can not be fully verified. These inaccuracies are not only damaging my financial standing but are also causing undue stress and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IL

Complaint narrative:
Equifax TransUnion Experian ( for confirmation ) Re : Formal FCRA Dispute XXXX XXXX  Account XXXX XXXX XX/XX/XXXX, Closed XX/XX/XXXX ) Background : I am formally disputing the inaccurate reporting of my XXXX XXXX XXXX XXXXXXXX XXXX 
Account details are as follows : - Date Opened : XX/XX/XXXX - Date Closed : XX/XX/XXXX - Original Balance : {$720.00} - Status : Paid, Closed, Never Late - Payment history : 100 % on-time ( 24 months ) Experian correctly reports this account as " Paid, Closed/Never Late. '' However, other credit bureaus are displaying a derogatory symbol or failing to accurately reflect this positive account history. 

Violations : 1. FCRA 607 ( b ) : Failure to maintain maximum possible accuracy account should reflect 100 % on-time payment history and positive closure.

2. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

3. FCRA 611 : You are required to reinvestigate and correct inconsistent reporting across credit bureaus.

Requested Resolution : 1. Remove all derogatory marks associated with this account on Equifax and TransUnion. 

2. Update account status across all credit bureaus to reflect Experians accurate reporting : " Paid, Closed, Never Late. '' 3. Provide me with written confirmation of the correction within 30 days as required by law. 
Notice : If this account is not corrected, I will escalate the FTC, and the Illinois Attorney Generals Office for enforcement of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IL

Complaint narrative:
Equifax TransUnion Experian ( for confirmation ) Re : Formal FCRA Dispute XXXX XXXX  Account XXXX XXXX XX/XX/XXXX, Closed XX/XX/XXXX ) Background : I am formally disputing the inaccurate reporting of my XXXX XXXX XXXX XXXXXXXX XXXX 
Account details are as follows : - Date Opened : XX/XX/XXXX - Date Closed : XX/XX/XXXX - Original Balance : {$720.00} - Status : Paid, Closed, Never Late - Payment history : 100 % on-time ( 24 months ) Experian correctly reports this account as " Paid, Closed/Never Late. '' However, other credit bureaus are displaying a derogatory symbol or failing to accurately reflect this positive account history. 

Violations : 1. FCRA 607 ( b ) : Failure to maintain maximum possible accuracy account should reflect 100 % on-time payment history and positive closure.

2. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

3. FCRA 611 : You are required to reinvestigate and correct inconsistent reporting across credit bureaus.

Requested Resolution : 1. Remove all derogatory marks associated with this account on Equifax and TransUnion. 

2. Update account status across all credit bureaus to reflect Experians accurate reporting : " Paid, Closed, Never Late. '' 3. Provide me with written confirmation of the correction within 30 days as required by law. 
Notice : If this account is not corrected, I will escalate the FTC, and the Illinois Attorney Generals Office for enforcement of my rights under the FCRA.

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 2025-08-24 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: OH

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 
I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 
The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove the accounts and all associated negative information immediately.

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 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
Exeter Finance Company makes high-interest rate auto loans. I am trying to pay off the full amount of an existing loan, and Exeter is, deliberately I think, making it difficult to impossible to do that in the following ways : 1 ) there is no address on their website for where to send a payment ; 2 ) they do not accept more than {$3000.00} in payments either online or over the phone ; 3 ) they do not accept more than two payments every 2-3 days either online or over the phone ; 4 ) they do not accept wire transfers at all. 
After 5 different phone calls to their customer service number, I have learned that the only way to submit payment of the full payout amount in full is to send a paper check through the U.S. mail to a well-hidden address in Texas and hope that it gets there and is properly applied. This is beyond absurd when dealing with an amount over {$22000.00}. I am forced to conclude that Exeter puts logistical barriers in the way of paying off these loans because it doesnt * want * them to be paid off. Why would they? They are making a lovely profit charging 15 % interest on the loan, and they dont want the borrowers to be able to get out from under that. 
Exeter Finance is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. Several fraudulent collection accounts were reported on my credit file that I did not authorize, open, or have any knowledge of. These accounts were placed with different debt collectors and are damaging my credit standing. 
Accounts in question ( fraudulent ) : XXXX XXXX XXXX ( XXXX ) {$120.00} Reported around XXXX  XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) {$4600.00} Reported around XXXX  XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) {$7500.00} Reported around XXXX  XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX ) {$990.00} Reported around XXXX  XXXX XXXX XXXX ( XXXX XXXX  ) {$4900.00} Reported around XXXX  Actions Taken I submitted an FTC Identity Theft Report documenting the fraud. 
I provided proof of identity and address ( drivers license, utility statement ). 
I contacted the credit reporting agencies ( Experian, Equifax, TransUnion ) in writing to dispute these accounts and demand removal. 
Despite this, the fraudulent accounts continue to appear on my reports, causing ongoing harm to my credit. 
FCRA 602 ( A ) ( 1 ) : Credit Reporting Agencies ( CRAs ) must ensure maximum possible accuracy. Reporting fraudulent collections fails this requirement.
FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires CRAs to block identity theft information from reports when an FTC Identity Theft Report is provided.

FCRA 611 : Grants me the right to dispute inaccurate information and requires a timely reinvestigation.

FDCPA 807 : Prohibits debt collectors from reporting false credit 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 non-monetary relief
Consumer complaint received 2025-08-23 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:
Someone opened up these numerous accounts under my name and I had no knowledge of or consent it was fraud.

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 2025-08-23 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:
Someone opened up these numerous accounts under my name and I had no knowledge of or consent it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IL

Complaint narrative:
CREDIT BUREAUS USING EMPLOYER INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: IL

Complaint narrative:
CREDIT BUREAUS USING EMPLOYER 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 explanation