vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Ive contacted this company via email and gave them a call regarding my status of my report. I inquired about them posting my status with Avant as a late payment. When in fact I had a payment plan with them. They are reporting my account with inaccurate information and it is damaging. Ive been on time with payments. When I asked them to look into it they did not. On XX/XX/year> I gave them a call it was also a recorded conversation for quality assurance and they said a manager was to get in contact with me and it didnt happen. Under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) The term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. 

A late payment is considered a transactional experience between the consumer and the creditor. Based on this law, it should not be reported on a credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
coinbase locked my account and refuses to allow me to sell my XXXX XXXX  because my bank denied a {$1.00} charge. I have XXXX  in the account and am unable to sell, transfer, or convert any of my funds. coinbase has locked MY funds for XXXX business days. They are offering no other way to put funds in the account to cover the {$1.00} charge. Meanwhile, my investments could lose much money if the XXXX  market declines. I can not sell my XXXX  until my bank clears the {$1.00} transaction but not less than XXXX days. Who knows how long coinbase will keep the account locked. If you want to lock the account because of a {$1.00} transaction, fine but provide a reasonable way for me to deposit and cover the {$1.00}. Another thing, they need to be responsible for my losses if the value of my funds decline because I am not able to sell or withdraw them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
( XXXX XXXX ) Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of a personal credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an XXXXXXXX XXXX XXXX  account number ( XXXX ) opened on XX/XX/XXXX, a personal loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a personal loan with XXXX XXXX opened on XXXX XXXX, XXXX, a personal loan with XXXX XXXX XXXX account number ( XXXX ) opened on XX/XX/XXXX, a personal credit opened at XXXX on XX/XX/XXXX account number ( XXXX ), a personal loan with XXXX XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ), a personal loan with XXXX XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ), a personal credit card with XXXX  XXXX opened on XX/XX/XXXX account number ( XXXX ), a personal credit card with XXXX XXXX  opened on XX/XX/XXXX account number ( XXXX ) auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and hard inquiries with XXXX XXXX on XX/XX/XXXX, XXXX of XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the Equifax credit XXXX XXXX XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
In XX/XX/year>, I contacted Apple Support twice to confirm that a purchase made with my XXXXissued Apple Card on the XXXX XXXX website would qualify for 0 % Apple Card Monthly Installments. Both XXXX representatives explicitly assured me that the installment plan would apply. Based on this assurance, I made a purchase on XX/XX/year>, for XXXX XXXX totaling approximately {$570.00} USD ( XXXX XXXX XXXX. 

After the transaction, I discovered that the installment plan had not been applied at all the transaction appeared only as a regular purchase, not under Apple Card Monthly Installments. I immediately followed up with Apple Support and was told that international purchases are ineligible, directly contradicting the information I was given twice before the purchase. I then escalated the issue to Apple Executive Relations, but they responded that nothing could be done.

I have already paid off more than half of the amount, but since it was not classified as a Monthly Installment Plan, I am now being charged as a lump sum. This caused unexpected financial stress and contradicted the payment terms I was promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
MY BUSINESS EMAIL ADDRESS WAS HACKED ON OR BEFORE FRIDAY, XX/XX/year> AND WAS NOT DISCOVERED UNTIL MONDAY, XX/XX/XXXX XXXX. A POLICE REPORT WAS FILED ON MONDAY, XXXX XXXX. THE ATTACKER USED EMAIL MESSAGES TO T R I C K MYSELF AND RECIPIENTS INTO BELIEVING THE EMALLS CAME FROM A KNOWN AND/OR TRUSTED SOURCE. THE ATTACKER SLIGHTLY MODIFIED THE EMAIL ADDRESSES SOIT WOULD NOT BE DETECTED AND USED THE SENDERS SIGNATURE BLOCK TO SPOOF. CONSEQUENTLY WE SENT SEVERAL ACH PAYMENTS TO WHO WE BELIEVED TO BE KNOWN VENDORS. THEY ALSO INTERCEPTED A WIRE PAYMENT THAT WAS SENT TO US FROM A CLIENT. THE BANK WAS NOTIFIED AND HAS NOT TAKEN ANY REASONABLE ACTION TO RECOVER OUR FUNDS. THE BANKS THAT RECEIVED THE ACH PAYMENTS ARE KNOWN FOR FRAUDULENT ACTIVITY. CHASE DID NOT TAKE ANY REASONABLE MEASURES TO PROTECT US. THEY ARE ALSO REFUSING TO PROVIDE A FULL TRACE ON THE TRANSFERS, WE HAVE BEEN WAITING SINCE XXXX FOR A RESOLUTION AND ARE NOT RECEIVING ANY ASSISTANCE FROM CHASE AT ALL. THEY MADE NO ATTEMPT TO CONTACT THE RECEIVING BANKS TO RECOVER OUR FUNDS. WE HAVE LOST {$22000.00} PLUS THE {$25000.00} INCOMING WIRE THAT WAS INTERCEPTED. CHASE SHOULD NOT ALLOW TRANSFERS TO BANKS THAT ARE KNOWN FOR PARTICIPATING IN CRIMINAL ACTIVITY. THE POLICE HAVE CONFIRMED THIS. PLEASE HELP US!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with Experian, XXXX, and XXXX there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

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 2025-05-07 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: NV

Complaint narrative:
The credit isn't being reported fairly dispute after dispute and no consistency in my report. Theirs requirement from the FCRA First of all the apparent inconsistencies and the comments on the report after all the inaccuracy is amazing. * the type of account it is? * The Date the account was opened? * The high credit? * The Last report date? Date last active? * Date of Last payment? * Two year history is different. The comment states that a dispute was done. Many unanswered questions for years.

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 2025-05-07 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: IN

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, CHALLENGED OR NOT.

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 2025-05-07 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 inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Between XXXX - XX/XX/year> this account my XXXX XXXX account was removed from my credit report after my dispute.It was erroneously re-entered. Also there is conflicting information across all three bureaus.

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 2025-05-07 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: MD

Complaint narrative:
Subject : Dispute of XXXX XXXX Account Request for Deletion To Whom It May Concern, I am writing to formally dispute the accuracy and validity of an account listed on my Equifax credit report. The details of the account in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Account Balance : {$32000.00} I am requesting that this account be immediately investigated and removed from my credit report if it can not be fully verified. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, I am exercising my rights to dispute inaccurate or unverifiable information on my credit report. 

To validate this debt, I am requesting that XXXX XXXX provide the original signed contract bearing my signature, along with a complete payment history to substantiate the validity of this account. In the absence of such documentation, I am requesting that this account be deleted from my credit file as required by law. 

Please note that the continued reporting of unverified or inaccurate information constitutes a violation of the FCRA and could subject your organization to legal action. 

This account is negatively affecting my creditworthiness and is hindering my ability to obtain new credit. Therefore, I respectfully request that this matter be resolved as quickly as possible. Please complete your investigation within the 30-day period provided by the FCRA and send me written confirmation of your findings and any actions taken.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX D.O.B. XX/XX/XXXXXXXX  Last 4 of SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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
Consumer complaint received 2025-05-07 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXXXXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute these hard inquiries on my Experian credit report. Upon reviewing my report, I noticed that these inquiries are inaccurate and unauthorized. Below are the details of these disputed inquiries : 1. XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX 2. XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX XXXX XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX Inquired on XX/XX/XXXX 7. XXXX XXXX Inquired on XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 9. XXXX XXXX XXXX Inquired on XX/XX/XXXX 10. XXXX XXXX XXXX Inquired on XX/XX/XXXX 11. XXXX XXXX XXXX on XX/XX/XXXX 12. XXXX XXXX XXXX Inquired on XX/XX/XXXX 13. XXXX XXXX XXXX XXXX on XX/XX/XXXX 14. XXXX XXXX Inquired on XX/XX/XXXX 15. XXXX XXXX Inquired on XX/XX/XXXX 16. XXXX Inquired on XX/XX/XXXX 17. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 18. XXXX XXXX XXXX Inquired on XX/XX/XXXX 19. XXXX XXXX XXXX Inquired on XX/XX/XXXX 20. XXXX XXXX Inquired on XX/XX/XXXX 21. XXXX XXXX XXXX on XX/XX/XXXX 22. XXXX XXXX XXXX  Inquired on XX/XX/XXXX 23. XXXX XXXX Inquired on XX/XX/XXXX 24. XXXX XXXX Inquired on XX/XX/XXXX 25. XXXX XXXX Inquired on XX/XX/XXXX 26. XXXX XXXX Inquired on XX/XX/XXXX 27. XXXX XXXX Inquired on XX/XX/XXXX 28. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 29. XXXX XXXX XXXX Inquired on XX/XX/XXXX 30. XXXX XXXX XXXX Inquired on XX/XX/XXXX 31. XXXX XXXX XXXX Inquired on XX/XX/XXXX 32. XXXX XXXX XXXX Inquired on XX/XX/XXXX 33. XXXX XXXX XXXX XXXX XX/XX/XXXX I have thoroughly reviewed my records and can confirm that I did not authorize any of these hard inquiries or applied for credit with the creditors above on the dates specified.

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 2025-05-07 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: CA

Complaint narrative:
Failure to respond to validation letter only evidence

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