vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$15000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A credit card was opened with my bank chase without my consent. I no longer can get an a regular bank account with chase or credit with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Denied credit card Already have a card with capital ones also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AL

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-08-06 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: DISCOVER BANK
State: PA

Complaint narrative:
There ia fraudulent and incorrect information in my credit report. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
There ia fraudulent and incorrect information in my credit report. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AL

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 XXXX 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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I booked a XXXX with Capital one, and the flight was cancelled by the XXXX I still have yet to receive my refund for the XXXX for over a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
To Whom It May Concern at the CFPB, I am submitting this complaint against Mosaic and their partner XXXX XXXX regarding my XXXX XXXX and installation from XXXX. The entire process involved multiple misrepresentations, poor system performance, and deceptive financing terms that have left me with an unexpected {$5000.00} balloon payment and a non-functioning energy system. 
The sales representative working on behalf of XXXX XXXX told me I would receive a {$35000.00} federal tax credit, and that I could apply it to my loan. However, I did not receive the credit or any credit at all, as I owed no taxes. This critical information was not disclosed, and now Mosaic is requiring a {$5000.00} balloon payment which I was never told about up front. 
Additionally, the installed system does not perform as promised : - The solar panels underperform significantly. 
- My monthly payment to Mosaic is {$350.00}. 
- My most recent XXXX XXXX XXXX  was {$670.00} much higher than the XXXX XXXX savings I was promised. 
- The XXXX XXXX fails to operate correctly it switches to XXXX XXXXXXXX about an hour before sunset, when it should still be charging. 
- I've experienced multiple power outages despite being told the system would provide reliability. 
To make matters worse, I attempted to resolve this issue by calling XXXX XXXX, but was left on hold by their XXXX  system for over an hour and a half without reaching a person. I also tried to reach Mosaic, but encountered similar difficulties. 
I have sent formal dispute letters to both Mosaic and XXXX XXXX. I am requesting assistance from the Consumer Financial Protection Bureau to : XXXX. Pause the {$5000.00} balloon payment. 
XXXX. Investigate the misrepresentations made at XXXX XXXX of sale. 
XXXX. Ensure Mosaic is held accountable for financing based on deceptive terms. 
XXXX. XXXX XXXX XXXX to correct or remove the non-performing system. 
I appreciate your time and help in investigating this complaint. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 did not authorize these accounts. They are fraudulent and must be removed from my credit report under USC 1681g within XXXX days. Documentation is attached for your review.

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 2025-08-06 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: NC

Complaint narrative:
I am going through a lot with transferring jobs i cant take anymore. these violations are hurting me. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am going through a lot with transferring jobs i cant take anymore. these violations are hurting me. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

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 2025-08-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax Refused Valid ID Documents and Failed to Provide Method of Verification ( FCRA Violation ) To Whom It May Concern, I am filing a complaint against Equifax for refusing to honor a valid Method of Verification ( MOV ) request and wrongfully rejecting compliant identity documents, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I mailed Equifax the following documents : A copy of my valid XXXX drivers license displaying my full current address A copy of my IRS XXXX form, which clearly includes my Social Security Number My dispute was originally submitted online, and I was not disputing the item again, but rather requesting the Method of Verification ( MOV ) for an account already investigated - specifically, a tradeline reported by XXXX. Because the reinvestigation had already been completed, the MOV should have already existed in Equifaxs system and should have been provided without delay. 

Instead, Equifax responded with the attached rejection letter claiming that my identity documents did not match their records. This is false and unjustified. The documents I submitted were : Valid, legible, and compliant with Equifaxs own ID requirements ( attached ) Clearly displayed the last XXXX digits of my SSN, which match the identifying information in the rejection letter itself ( attached ) Sent via certified mail and properly addressed ( return receipt attached ) It has now been XXXX business days since ( it is now XXXXXXXX XXXX  ; therefore, as of tomorrow - XX/XX/year> - itll be XXXX days ) Equifax received my MOV request. Per FCRA 611 ( a ) ( 7 ), the credit bureau is required to provide a written description of the procedure used to verify the disputed information, including the name, address, and telephone number of the XXXX - XXXX within XXXX days of receiving the request. It does not prompt them to open a new dispute. 

Additionally, I am attaching confirmation numbers from the original dispute ( XXXX ) showing that the investigation was completed in less than XXXX hours, meaning the MOV should be readily accessible from that investigation. 

Equifaxs conduct appears to be a stalling tactic designed to obstruct my access to federally protected information. This has caused significant frustration and is a direct violation of FCRA 611 ( a ) ( 7 ), 611 ( a ) ( 5 ), and

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TN

Complaint narrative:
I get a text today XX/XX/XXXX at XXXX XXXX from a phone number XXXX claiming to be Wells Fargo and that an attempt to make a purchase in the amount of {$2500.00} to XXXX XXXX. Reply Yes if you recognize the transaction or No if its fraudulent. Or call the number ( same as above ). When I text back NO, they immediately call me. They verify my name, last XXXX of XXXX, and birthdate. They ask about the attempt at the fraudulent charge. They also then try to ask what my current balance is in my account. I happen to have closed the account so I said {$0.00}. They immediately hung up.

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 2025-08-06 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Im unaware of this debt and it doesnt belong to me

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 2025-08-07 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: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute letter to Experian, requesting an investigation into inaccurate items on my credit report. In compliance with identity verification requirements, I included all necessary documents : a copy of my photo ID, social security card, and a recent utility bill displaying my current address. 
In my dispute, I clearly requested detailed information about Experians verification process, including : - The method used to verify the disputed item, - The date Experian contacted the creditor and furnisher, - Contact information for both the creditor and the furnisher, - The name of the individual who verified the item, - The communication method used ( e.g., phone, email, mail ), - Confirmation of whether any sensitive personal datasuch as my Social Security Number, address, and date of XXXX shared during the verification process. 

More than XXXX days have passed yet Experian has failed to provide any response or investigation results. I have not received any form of communication acknowledging the dispute, let alone fulfilling their obligations under the law. 
According to the Fair Credit Reporting Act, credit bureaus are required to conduct a reasonable reinvestigation within XXXX days when a consumer disputes the accuracy or completeness of any information in their file. Experians complete lack of response is a direct violation of this federal requirement. 
This failure to act has had a detrimental impact on my ability to move forward with financial decisions dependent on the accuracy of my credit report. I am attaching a copy of my original dispute letter sent to Experian as 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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Im a dual XXXX citizen and created my Coinbase account while living in the XXXX. I lost access due to a phone number change and followed Coinbases exact instructions to recover the account, including : -Creating a temporary account -Verifying a XXXX number -Submitting full identity documentation ( front/back of ID, facial selfie ) -Linking a bank account and completing a transaction I emailed support XXXX times since XX/XX/year> with no response. I also contacted CoinbaseXXXX on XXXX, where I was told my case is already in the hands of the appropriate team, but no action has been taken. I am now locked out of my funds for over a week, with no way to trade or withdraw, and no confirmation that my identity was reviewed. 

Im requesting an immediate review of my case and restoration of access. Im happy to provide supporting documents if needed. 

For account number, list : Account email : XXXX XXXX account email : XXXX XXXX

Company response to consumer: Closed with monetary relief