vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX XX/XX/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 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint ( Follow-Up to CFPB Complaint # XXXX ) : I am submitting this follow-up complaint because Experians response to my original dispute did not address the specific issues I raised regarding ( XXXX ) allegedly fraudulent student loan accounts reported under my name, and ( XXXX ) the legality of XXXX XXXX XXXX collecting debt in Texas XXXX Instead, Experian responded with a form letter about credit inquiries, which is not related to the substance of my complaint. 

To reiterate : XXXX. Fraudulent XXXXXXXX  Loan Accounts XXXX XXXX XXXX  XXXX Several XXXX loan accounts were opened in XXXX  under the name XXXX XXXX XXXX  XXXX XXXX which I did not authorize XXXX 
I never signed any documentation ( physically or electronically ), nor received any disbursement of funds. 
I requested Experian to provide documentation of my consent, signatures, or disbursement history. 
Instead of providing validation, Experian claimed the information was verified as accurate without evidence. 
This fails to meet the debt validation requirements under the Fair Credit Reporting Act ( FCRA ). 
I also believe this may constitute a violation of FERPA, as my education records could have been improperly accessed or used to originate loans without my knowledge. 

XXXX. XXXX XXXX XXXX Potentially Unlicensed Collection Activity in Texas XXXX XXXX XXXX is reporting a debt on my Experian credit report. 
I disputed this entry because XXXX XXXX XXXX does not appear to be licensed to collect debt in Texas according to the Texas Office of Consumer Credit Commissioner ( OCCC ). 
Under Texas Finance Code 392, it is illegal for a third-party debt collector to operate without proper licensure. 
Experian did not investigate this licensing concern or provide any documentation linking me to the alleged debt. 
This calls into question Experians responsibility to ensure the data they report is accurate and legally permissible, as required under FCRA 607 ( b ).

3. Experians Response Experian ignored both of these specific concerns and instead sent a boilerplate response about how credit inquiries appear on credit reports. This completely fails to address the core of my complaint.

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 2025-06-18 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
On XX/XX/year>, I purchased a cruise withXX/XX/XXXX, which we paid for with a Chase credit card, resulting in a charge of {$3100.00}. 
Due to a sudden illness, I attempted to cancel the trip and request a refund from XX/XX/XXXX. 
After several attempts, the company denied my refund requests, so I decided to file a claim with my card-issuing bank, Chase. This bank conducted an investigation, and based on their findings, both XXXX and Chase determined the claim was valid. As a result, they issued a credit of {$2200.00} to my account. I accepted this credit, even though it was much lower than the charge made by XXXX XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter from XXXX XX/XX/XXXXthreatening legal action and negative reporting to credit bureaus.

My request to the CFPB is to require Chase to provide a copy of the communication between XXXX and XXXX XX/XX/XXXX. This is critical to clarifying the situation and better understanding the terms of the claim and the actions taken. With this documentation, I can support my request and response to XXXX XXXX to stop their threatening collection attempts and protect my credit. 

I want to establish that Chase handled my original claim promptly and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
I purchased a brand new XXXX XXXX Hybrid from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. The salesperson was XXXX XXXX. The quote was with a trade-in vehicle at {$44000.00} I made XXXX credit card payments of {$4000.00} each and XXXX in cash to the lady who processed my loan documents. Upon receiving the car, she informed me that her printer was not working and promised to mail all the signed legal documents to my address. XXXX witnessed these communications, and both assured me that XXXX XXXX was trustworthy and they always be available. I followed up multiple times, only to learn that the lady no longer worked in the finance department. The department head changed several times, and each time I had to re-explain my situation. I received no callbacks or explanations. I continuously pointed out that the amount on the XXXX XXXX online page was incorrect and excessively high, but it has not been adjusted. None of the payments I made were credited. I attempted to contact all the heads of XXXX XXXX and reviews on their XXXX page. Despite this, I am still paying my monthly payments as they stand. I only have XXXX piece of paper outlining the agreed-upon payment terms. There were no additional services or XXXX insurance included, yet my monthly payments include charges I never consented to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: NY

Complaint narrative:
XXXX"PayPalXXXXOrder ID: XXXXTransaction Date: XXXX XXXX XXXX XXXXCustomer Help Center: XXXX XXXXDear XXXX XXXXYouve an authorized XXXX XXXX payment to CoinBase Global, Inc.XXXXWe appreciate your payment via XXXX on XXXX XXXX XXXX XXXX for your Coinbase Global Inc. order. XXXX like to inform you that XXXX XXXX has been charged to your account using the email. This charge will appear on your account statement within XXXX XXXXPayment InfoXXXXYouve bought:XXXX XXXX XXXXTransaction FeeXXXX XXXXMerchant Information:XXXXCoinbase Global Inc.XXXXYour Invoice:XXXX XXXX XXXXIssues with Transaction?\nYou have XXXX  hours from the time of the transaction to dispute and stop this transaction. Call the TOLL-FREE number below to reach XXXX XXXXXXXX XXXX XXXX XXXX XXXXYou are receiving this transactional email because your email was used to initiate a transaction on your account linked with this email addressXXXXPlease do not reply to this email. This mailbox is not being monitored.XXXXThis has happened previously and I've reported this to XXXX  nothing has happened to my complaint, NO monies have been taken out of my XXXX  account, this is certainly a scam however others might believe it is real, please assist me in preventing me from receiving any more of these fraud e-mails."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Truist Bank XXXX XXXX XXXX XXXX and XXXX XXXX Truist Bank XXXX XXXX XXXXXXXX XXXX XXXX  has repeatedly and willfully violated both the XXXX XXXX  XXXX and the Fair Credit Reporting Act ( FCRA ) by falsely reporting an account that was fully XXXX in XXXX XXXX XXXX as a charged-off debt with a balance and payment activitya representation that is factually false, legally impermissible, and damaging to my creditworthiness. 

Despite being notified through multiple formal credit reporting agency disputes and at least XXXX Consumer Financial Protection Bureau ( CFPB ) complaints, Truist Bank continues to report this account to XXXX and XXXX  with : A past-due balance that should have been zeroed out as of the XX/XX/year> discharge ; A charge-off designation during and after the automatic stay, in violation of 11 U.S.C. 362 and 524 ; Falsified payment history showing payments that were never made, misrepresenting the status of a XXXX debt ; Manipulated or contradictory data that reflects inconsistent updates with no basis in fact or law. 

Truist Bank has had more than ample opportunity to correct these unlawful reporting practices and has instead chosen to ignore federal compliance obligations, continue manipulating account data, and evade accountability through generic, non-substantive responses. 

At this stage, nothing short of full deletion of the tradeline across * * all XXXX  major credit bureausXXXX XXXX XXXX XXXX XXXX XXXX will resolve this matter. 

If I do not receive a satisfactory and complete resolution by the XXXX calendar day from receipt of this notice, I will initiate a formal complaint in both federal and civil court, seeking all available relief, including : Statutory and punitive damages under FCRA 1681n and 1681o ; Sanctions and contempt proceedings for violations of the XXXX  Code ; Recovery of attorneys fees, filing costs, and compensatory damages for emotional and financial harm. 

This matter is not going away, and further delay will only escalate Truists legal and regulatory exposure.

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 2025-06-18 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2300.00} INQUIRIES : XXXXXXXX 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 2025-06-18 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:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo has charged me XXXX overdraft fees. I have deposited cash into my account for the autopays I have set up. My account was negative from and overdraft and their automatic system has now charged me XXXX overdraft fees of XXXX each. I explained this to XXXX different customer service representatives from Wells Fargo and both were completely rude and not understanding that I was depositing the money I knew was coming out. I did not know there was an initial overdraft fee from being negative {$11.00}. XXXX XXXX overdraft fees is ridiculous from being only negative {$11.00}.

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 monetary relief
Consumer complaint received 2025-06-18 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>

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 2025-06-18 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their 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 2025-06-18 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-18 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-18 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: CA

Complaint narrative:
XXXXThere are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.XXXXFRAUDULENT ACCOUNTSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-18 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:
XXXXThere are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.XXXXFRAUDULENT ACCOUNTSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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