vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 
The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-10-30 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
A XXXX $ collection appeared on my credit report from an agency I simply do not recognize. I disputed with XXXX  & they immediately denied within less than XXXX hours. Leading me to believe they definitely did not conduct a proper investigation. This highly unprofessional of them an couldve been really bad to 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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I withdrew XXXX XXXX ( XXXX  ) using the XXXX XXXX XXXX XXXX to my Coinbase XXXX  deposit address. 
The transaction succeeded on-chain ( XXXX XXXX XXXX ) and the tokens remain visible at a Coinbase-controlled address. 

When I used Coinbases XXXX XXXX tool, it returned : This asset is not recoverable. Due to security reasons, were unable to recover this asset for you. 

I contacted Coinbase Support by phone and later filed a written complaint. Coinbases final response stated that XXXX XXXXXXXX is not eligible for recovery, even though Coinbase publicly advertises recovery for eligible XXXX tokens mistakenly sent on XXXX XXXXXXXX XXXX and XXXX XXXX XXXX Their help page on XXXX XXXX XXXX XXXX XXXX XXXX also says that certain assetssuch as XXXX  XXXX, and XXXX sent on XXXX  be automatically credited. 

XXXX is a supported asset on Coinbase, and XXXX is an XXXX-compatible chain. The funds are still accessible on-chain, yet Coinbase refuses to recover or credit them. This appears inconsistent with Coinbases published multi-network support statements and creates unequal treatment among customers who used the same network.

Im requesting that the CFPB review : 1.Whether Coinbases asset-recovery policies are being applied consistently across XXXX tokens on XXXX  ; 2.Whether Coinbases public representations about XXXX  recovery are misleading ; and 3.Whether Coinbase should be required to credit or return the XXXX that remains under its custody.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I opened up an account with citizens bank over the phone with a live customer service representative. It was opened in the early part of XXXX, XXXX. I had a pending XXXX which after it was approved my funds were transferred into my citizens checking account in late XXXX of XXXX. I would get suspicious activity notifications and I would approve them because I was indeed making the transactions. My account was frozen and I was told that I needed to go in person to verify myself which I did at a local branch with a branch manager. I have reached out several times to no answer. The supervisor and the branches can not even give me a reason as to why my account is frozen. It has been XXXX  months and they are still giving me the run around with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC.
State: LA

Complaint narrative:
At the end of XXXX we hired a realtor to sell our home due to no longer renting caused by a mold issue. We hired a company to completely remove the mold and had no more money to rebuild the basement. 
XXXX  the home wasnt selling we tried a short sale and got an all cash offer, the bank ( new American finding ) took a long time to communicate if they would accept it or deny it. My realtor and her team kept pushing to communicate and work with the bank. 
New American funding took so long that all the paperwork we sent had to be redone. 

New American funding did not like what was offered for the short sale and would not give a counter or tell my realtor a number they would take. My realtor had another inspection done to prove the house was not worth what the bank estimated the value to be and they had very poor communication skills with my realtor who was representing me. 

On XX/XX/XXXX my realtor communicated to me that the bank declined the offer for the short sale and said they would be moving forward with the foreclosure. My wife and I lost a very close family member that day as well. 

I called new American funding on XX/XX/XXXX to try and work out a deed in lieu to which they said was no longer an option. The customer service representative said when they received the requested paperwork it was too close to the foreclosure date to even process it. I was told I could communicate with my foreclosure attorney. 

This is so heartbreaking as we have actively tried to prevent a foreclosure since XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NJ XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX Subject : URGENT : Evidence of Retaliatory Adverse Action by Wells Fargo Bank , N.A . 
Reference CFPB Case Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and all other related cases. 

Dear Sir or Madam, I am writing to submit new and alarming evidence regarding my ongoing dispute with Wells Fargo ( Account ending in XXXX ). 

After I submitted complaints to the CFPB and BBB, providing irrefutable, third-party proof ( my Bank XXXX XXXX XXXX XXXX that Wells Fargo XXXX XXXX inaccurate information and had fabricated payment return dates in their official responses, they have retaliated. 

On XX/XX/year>, Wells Fargo sent me a letter ( enclosed ) informing me that " as a business decision, we have closed your credit card account. '' This is a clear and undeniable adverse action taken in direct retaliation for my exercising my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. The timing is not a coincidence. This action was taken only after I cornered them with facts they could not dispute. 

XXXX XXXX letter also states this is their " final communication '' and that any future correspondence " will be disregarded. '' They are refusing to correct my account, refusing to refund the {$1000.00} in interest they charged me based on their own errors, and are now punishing me for escalating the complaint to your office. 

This action XXXX constitute a violation of the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminating against an applicant ( or account holder ) for exercising, in good faith, any right under the Consumer Credit Protection Act. 

I am now the victim of XXXX separate violations by Wells Fargo : The original systemic billing failure and furnishing of false data, which has resulted in over {$1000.00} of fraudulent interest charges. 

This new, retaliatory adverse action of closing my account specifically because I filed a legitimate, evidence-backed complaint with your agency. 

I urge the XXXX to investigate this clear case of retaliation and to compel Wells Fargo to not only resolve my original dispute ( by refunding all interest and correcting my credit files ) but also to hold them accountable for this punitive and potentially XXXX adverse action. 

Sincerely, XXXX XXXX Enclosure : Wells Fargo XXXX dated XX/XX/year> ( informing me of account closure )

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 2025-10-30 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX XXXX XXXX ) 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
1 ) XXXX XXXX XXXX  : This account was assigned to my ex-spouse in my divorce decree and is not my responsibility. I formally dispute this reporting and demand immediate deletion from my credit report under FCRA.

2 ) WILLIAMS RUSH & ASSOCIAT : This account was assigned to my ex-spouse in my divorce decree and is not my responsibility. I formally dispute this reporting and demand immediate deletion from my credit report under FCRA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: PA

Complaint narrative:
My wifes vehicle needed its transmission replaced. I took it to the local XXXX garage for the work to be done. They told me that I have to go through American first Finance ( AFF ) if Im not able to pay off the cost of the repairs. I applied and got accepted for a loan of approximately {$8000.00} through AFF. The XXXX told my they would need around {$4500.00} for repairs, so I sent a request to use XXXX for XXXX auto repair. All of this happened around XXXX XXXX I didnt realize after I was done at the garage and take some time to read all the paperwork sent over about the loan that realized how bad the interest rate was. the interest rate was sent to 147 %. While the initial loan is for {$4500.00} and minimum payments of {$310.00} bi-weekly. With just doing the minimum payments I would end up paying {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please verify the enclosed materials ; the inquiries were made without any advance warning and might be unauthorized.

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 2025-10-30 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:
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 2025-10-30 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this formal complaint against Affirm for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in connection with the handling and reporting of a charge-off account appearing on my credit report.

Account Information : * Creditor Name : XXXX  * Account Number ( Last 4 Digits ) : XXXX XXXX Date of Charge-Off : XX/XX/XXXX * Reported Balance : {$6600.00} After reviewing my credit report and corresponding documentation, I found that XXXX  has continued to report or verify inaccurate, misleading, and incomplete information to consumer reporting agencies in violation of federal law.

Specifically, I allege the following violations : 1. 15 U.S.C. 1692e Prohibition of false, deceptive, or misleading representations.The agency has misrepresented the legal status of the alleged debt by reporting it as charged off and due, despite it being [ paid, settled, disputed, or otherwise invalid ].

2. 15 U.S.C. 1692f Unfair or unconscionable means to collect or attempt to collect a debt.Reporting and verifying an inaccurate or invalid account with the intent to damage my credit standing constitutes an unfair practice.

3. 15 U.S.C. 1692g Failure to provide proper debt validation.Despite my written request for validation of this alleged debt on [ Date of Request ], the agency failed to provide adequate verification, yet continues to report and collect on this account.

Additionally, by continuing to report inaccurate information and failing to investigate or correct these errors, XXXX is in violation of : * 15 U.S.C. 1681s-2 ( b ) under the FCRA, which requires furnishers of information to conduct proper investigations and correct inaccuracies after receiving notice of dispute.

I have attempted to resolve this matter directly with XXXX through written correspondence on XX/XX/XXXX, but they have failed to provide any satisfactory resolution or documentation. Copies of my communications and credit report entries are attached for reference. 
I am requesting that the CFPB investigate this matter and take enforcement action to ensure that XXXX and other third party companies permanently deletes this inaccurate charge-off account from all consumer reporting agencies ( Experian, Equifax, and TransUnion ) within 10 calendar days of receiving this notice.

I trust the CFPB will take appropriate steps to address these ongoing violations and hold XXXX and other third party companies accountable for noncompliance with federal consumer protection laws. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, 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