vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I dont recognize the accounts shown and never authorized them. Please look into this and remove them. Ive attached 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
Consumer complaint received 2025-11-28 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 disputed information does not correspond with my true financial record. Please correct it after assessment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint because Wells Fargo rebilled a disputed charge from XXXX  ( XXXX XXXX XXXX ) to my checking account without providing the investigation documentation required under Regulation E and while my case is still under review. 

I originally disputed this transaction in early XXXX. On XX/XX/XXXX, Wells Fargo sent me a letter saying the dispute was denied, but they did not provide any merchant evidence, documentation, transaction logs, correspondence, or any explanation of how the determination was made. 

I contacted Wells Fargo by phone and was repeatedly denied access to the investigation materials. I was also prevented from speaking with a Regulation E specialist, and my calls were disconnected during escalation attempts. 

On XX/XX/XXXX, the bank rebilled the disputed amount, even though I had not been given the legally required documentation and was actively requesting an appeal. This rebill appears to have been processed automatically despite my ongoing dispute. 

After further escalation attempts, I received an email from Wells Fargos Consumer Small & Business Banking Escalated Complaints Office ( Case # XXXX ), stating they are looking into it and will respond within XXXX business days. This confirms that the dispute remains open and that the rebill was not final yet the bank removed the money from my account anyway. 

This situation represents the following Regulation E concerns : Failure to provide the investigation documentation upon request Denial of the ability to appeal an adverse determination Improper rebill of a disputed charge while the case was still open Refusal by call center agents to escalate to a Regulation E supervisor Calls disconnected when escalation was requested I am requesting that Wells Fargo : XXXX. Provide the full investigation report and all merchant documentation from XXXX XXXX. Reverse the rebilled charge pending the outcome of the escalated investigation XXXX. Ensure my formal appeal is logged and processed under Regulation E XXXX. Confirm no further adverse action will be taken while the dispute is active Thank you for your assistance. 

Name : XXXX XXXX XXXX Wells Fargo Case Number : XXXX Disputed Merchant : XXXX ( XXXX XXXX XXXX ) Date of Rebill : XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2025-11-28 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: MA

Complaint narrative:
This is not a mistaken dispute. My credit report contains multiple accounts that are not reported with the maximum possible accuracy. These persistent inaccuracies are causing real harm to my credit and my life, and I can no longer tolerate them remaining on my file. I review my credit regularly and have repeatedly raised these issues, yet they remain unresolved. The ongoing misreporting is unfairly damaging my financial standing and causing significant stress.

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 2025-11-28 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: TX

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX collection reported by XXXX XXXX. 

This collection was previously disputed and removed from my credit report. Recently, it was reinserted on my report without any written notice of reinsertion within XXXX business days as required by FCRA reinsertion procedures, and without receiving any validation of the alleged debt from XXXX XXXX. 

I previously requested validation of this account from XXXX XXXX, but they did not provide any documentation proving that the debt is mine or that they are legally authorized to collect it. Despite this, they are continuing to furnish the collection to the credit bureaus. 

This is causing significant harm to my credit, impacting my ability to obtain credit and complete important financial transactions.

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 2025-11-28 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: LEXISNEXIS
State: NY

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions Inc. for reporting inaccurate and unverifiable auto claim records in my consumer file. Despite multiple disputes, LexisNexis continues to report these items as verified without providing any documentation or source validation. 

Disputed Items : Claim # XXXX XX/XX/XXXX Claim Date XX/XX/XXXX Claim Date XX/XX/XXXX These claims are inaccurate, do not belong to me, or appear to be mixed-file errors. For example, Claim # XXXX relates to a family members policy, not mine. LexisNexis has failed to provide : Source documents Verification method or procedures Name or contact of the entity who verified the claims Legal Basis : Permissible Purpose FCRA 1681b ( a ), 1681b ( f ), 1681e ( a ) LexisNexis may only maintain or furnish information for a legally permissible purpose. Continuing to report unverifiable and inaccurate claims violates permissible purpose requirements. 

Accuracy FCRA 602 ( a ), 607 ( b ) LexisNexis has a duty to ensure maximum possible accuracy. Reporting unverifiable claims fails this duty. 

Reasonable Reinvestigation FCRA 611 ( a ) ( 1 ) LexisNexis has not conducted a reasonable reinvestigation. 

Method of Verification FCRA 611 ( a ) ( 7 ) I demand full disclosure of verification procedures and all documents relied upon. 

Civil Liability FCRA 616, 617 Failure to correct or delete these inaccurate claims exposes LexisNexis to civil liability for willful or negligent noncompliance, including actual and punitive damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
Please accept this correspondence as my formal notice disputing the referenced accounts. I have no affiliation with them and did not authorize their creation. I request removal and review. Documentation is attached.

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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, my Coinbase account was compromised by criminals who gained unauthorized access and conducted fraudulent transactions totaling {$10000.00} without my knowledge or authorization. This was part of a larger fraud scheme that affected multiple financial accounts totaling {$14000.00} in losses. 

I immediately reported this crime to law enforcement on XX/XX/year> and filed Police Report XXXX XXXXXXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigating XXXX. 
On XX/XX/year>, Coinbase closed my account citing XXXX XXXX XXXX violations. However, I did not violate any terms - I am a victim of fraud. The " prohibited activity '' they reference was conducted by criminals, not by me. 

When I attempted to contact Coinbase on XX/XX/year>, they initially could not locate my account by email address, suggesting the email may have been changed as part of the unauthorized access. After providing my verified phone number, I sent a formal fraud victim appeal with complete police documentation.

I have {$10000.00} trapped in this closed account. Despite providing official police report documentation proving I am a fraud victim, Coinbase has not : Opened a formal fraud investigation Provided a case number Assigned a fraud investigator Given me access to withdraw my funds Distinguished between me as a victim versus the criminals who compromised my account As a XXXX-registered Money Services Business , Coinbase is required to investigate fraud claims and distinguish between perpetrators and victims. Retaining funds from a documented fraud victim without proper investigation violates California consumer protection laws including XXXX & XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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 information presently shown mischaracterizes my financial actions. I request a review and appropriate update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
I am writing to formally dispute the listed accounts, which are not associated with me and were not authorized. Please remove them and complete a review. Documentation is enclosed.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
1. I called and spoke to XXXX in XXXX XXXX and made my payment. I asked her about my name on my account as it appears and she stated that my name was XXXX XXXX. This had already been changed and my credit card account actually was XXXX XXXX XXXX. XXXX XXXX nexis continues to have me merged and overlaid in their consumer file and Chase continues giving me a hard time and has not changed my name on all my accounts. This has been going on for almost 2 years. This is a violation and needs to all be correction. I went to the bank at the chastain peach location on XXXX XXXX in XXXX, GA. 

2. My credit card is embossed and shows that my name is XXXX XXXX XXXX XXXX XXXX. My TN XXXX has been given to them multiple times. I have asked to make sure that XXXX is on all of my account.

3. I still need the itemized billing with tender, the name of my bank and the last 4 digits of my account that paid it from and and the complete credit card number that I paid, with the address of the credit card that I paid on each particular month. I have been asking for this since XXXX. I need it mailed to my home at XXXX XXXX XXXX XXXX, TN XXXX. I still have never received it. do not send it without all the information that I asked for as per FCRA. I opened this account in XXXX and I need all my account numbers and addresses for each month that I had my account opended with Chase.

4. I asked for a call for verification on my landline at XXXX. I want the name of the person that will be calling me and they call and leave me a message on my cell phone at XXXX. They refused to do so. These are my 2 phone numbers. all my past addresses were all provided to Chase in person, by email and by fax and by US mail and by telephone and by the CFPB. 

5. I also requested that my Nickname be used of XXXX to help separate me from the woman from Florida. 

6. I was told to go to my online account. I have never had one. I asked my passcode, which XXXX never asked me for, which means I am still mixed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: NV

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report XXXX XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of a fraudulent or inaccurate address. Employment Data and Phone numbers that is being reported on my credit file. The address listed below does not belong to me, and I have never resided or received mail there. Inaccurate Employment Data and Phone numbers I believe this entry may be the result of identity theft or a reporting error.

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 2025-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
This letter serves as a formal dispute pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 regarding inaccurate, unverified, and potentially fraudulent information currently appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MO

Complaint narrative:
My PNC account was suspended without explanation. A large deposit of XXXX was transferred to me my uncle XXXX and I made a cryptocurrency purchase of XXXXXXXX XXXX and it was successful. The next day my account was suspended. I have called PNC multiple times and they only says it is under review with no timeframe I can not access any of my money and this is creating a financial hardship. I have not been given a case number and a way to speak to the review team. Im requesting immediate review and access to my funds either by accessing my account or mail a check to me Name - XXXX XXXX XXXX PHONE NUMBER - XXXX Email- XXXX XXXX  name - XXXX XXXX  TYpe - checking account Account last 4 digit - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I recently filed a police report for identity, theft, noticing inaccurate information on my report that I never open on my behalf. The collection agency in credit one would not listen to what I was saying regarding me, not opening account nor ever giving my social or any information I provided information to be reporting this this needs to be removed immediately. I dont want to hear a response regarding The account being opened because it was opened and not by me please fix this issue immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least XXXX  days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and anxiety.

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