vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-25 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-25 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: MS

Complaint narrative:
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. 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 2025-06-25 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: NJ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

I have attached copies of my government-issued ID, utility bills, and Social Security card to verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were 3 Transunion hard inquiries made under my name that were not me, and I do not recognize them. A fraud alert is what caused me to go in and look at the questionable activity. 
The first was made by XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, IN XXXX ), requested on XX/XX/year> - I do not recognize this and this was not me Next by XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ), requested on XX/XX/year> - I do not recognize this and this was not me Next by XXXX XXXX Services ( XXXX XXXX XXXX XXXX, DE XXXX ) requested on XX/XX/year> - I do not recognize this and this was not me This has been an ongoing issue and I have had to have hard inquiries removed from the credit bureau before. I simply trusted the wrong person into my home and they went through my mail and obtained my social security number. With that I have been tormented with them trying to open credit cards under my name. I want people to know to put away their mail, especially if they are hosting an event where people that they do not know their character too well are coming into their homes.

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 2025-06-25 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: MD

Complaint narrative:
On XX/XX/year>, I disputed a charge of {$930.00}, which stemmed from a purchase with XXXX XXXX. I initially ordered an itemsvalued at $ XXXXbut XXXX mistakenly shipped me an assortment of unrelated products I never ordered. I immediately contacted XXXX to report the incorrect shipment. 

XXXX acknowledged the error and stated they would both resend the correct item and arrange for me to return the incorrect products. However, after this communication, they refused to issue a refund, and I never received the correct product. Out of frustration with the experience and XXXX refusal to honor the refund or fix the order, I contacted wellsfargo and that was how a temporary credit was issued and then reversed which I paid for in my statement and now they are charging me back. In an attempt to resolve this, I physically visited Wells Fargos branch in XXXX, MD, where I met with Associate Banker XXXX XXXX. After reviewing my account and printing out three months of my bank statements, she confirmed that I had already paid the disputed amount and was being charged again in error. She contacted Wells Fargo credit card services directly from the branch, and even she faced pushback from their internal reps. 

XXXX XXXX then filed a formal internal complaint on my behalf via their XXXX XXXX XXXX XXXX ( XXXX  ). The complaint ID is 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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I received an alert from my credit card company ; Bank of America that my card was charged for {$6500.00} on XXXX XXXX. I immediately called Bank of America and notified them that this was a fraudulent/unauthorized charge on my card. They did not remove the charge but said they would investigate. Within about two weeks I heard back from Bank of America saying that they denied the fraud claim because the " merchant confirmed the purchase ''. That was it, no further details. They said if i felt this was incorrect I could request the claim be reopened. From there it was reopened two more times. I called countless times and spoke to countless representatives to give them all the details that support my claim. I filed an identity theft report and faxed them all the required paperwork to support my case. Finally they shared the documentation they received from XXXX which were ticket confirmations and it showed that the amount of the ticket had been refunded to the criminal party in the XXXX airport. I live in XXXX. I don't have a valid passport right now. I could provide proof I was not in XXXX at the time. Someone stole my identity and purchased a ticket in my name and another one in someone else 's name totally unfamiliar to me. I explained all this but again they denied the claim. After that, I was advised to go directly to XXXX XXXX to explain the situation and request a refund directly with them. My first contact with them was in late XX/XX/year> and there is still no resolution. I have contacted them back ( only through online CHAT apparently can this be looked into ) and each time they give me a different answer about when a result would be finalized. At this moment i have been carrying this large balance on my credit card, which is gaining interest and lowering my credit score. I have filed a fraud alert with the credit bureaus and identity theft report with the FTC. Both of which I sent to Bank of America but did nothing to help.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
This account was disputed off my credit report over 8 years ago due to no knowledge of this account. This account was just added back to my credit report as of XX/XX/year> with a new opening date of XX/XX/year> through the same collection agency after this same account was 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
The root cause of my issue is with Coinbase who provided zero reasoning behind the restriction and banning of my account from their services. This ban resulted in me losing access to a transaction I mistakenly sent on the XXXX XXXX XXXX  of XXXX ( USD XXXX ). While they many times told me that funds held on the account could still be withdrawn even when the account is restricted they never addressed or provided a solution for me to gain access to their specific tool for recovering funds sent in the wrong chain ( as XXXXXXXX XXXX XXXX  is not available on Coinbase ). This resulted in me being incapable of using their asset recovery tool specifically made for recovering funds in this sort of situation. I many many times requested them provide the reasoning behind my account being restricted and ultimately banned from using their services. They refused to ever provide reasoning which in turn resulted in the XXXX $ worth of XXXX ( USD XXXX  ) that was on the XXXX XXXX XXXX to be lost to their master wallet which I am incapable of recovering if the account remains closed. I offered countless times to simply only use their services recovery tool and then they could permanently ban my account but they never even addressed my concerns directly. These problems began in XXXX of XXXX  and have persisted ever since. I have countless times created support tickets with the company describing my problem to great detail and have never been helped, either ghosted after many communications or told my account is restricted with no reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CT

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-06-25 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:
I am writing to demand the deletion of all inaccurate, unverifiable, and legally non-compliant information currently appearing on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data reporting standards, I am requesting a full reinvestigation and removal of the items listed below. 

You are required under 15 U.S. Code 1681i to perform a reinvestigation when a consumer disputes information. Issuing generic templates or dismissing disputes due to formatting or assumptions about third-party preparation is not a lawful reason to disregard a consumers dispute. 

I affirm that I wrote and submitted all letters attributed to me. Any delay or failure to process my dispute will be seen as a willful violation of federal law and I will not hesitate to take further legal action. 
I demand the following : Immediate deletion of all inaccurate personal information. 
Verifiable, physical proof for every account and inquiry listed. 
Physical documentation mailed to me showing the results of your investigation. 
A full updated credit report reflecting all corrections. 

If you do not provide verifiable documentation, or if you fail to remove unverifiable data, you are violating the FCRA and XXXX XXXX standards. 

PERSONAL INFORMATION BEING DISPUTED Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request your full compliance. If you are unable or unwilling to validate the above items with real, physical documentation, they must be deleted immediately. Failure to comply within the legal time frame may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

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 2025-06-25 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: TX

Complaint narrative:
I am writing to demand the deletion of all inaccurate, unverifiable, and legally non-compliant information currently appearing on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data reporting standards, I am requesting a full reinvestigation and removal of the items listed below. 

You are required under 15 U.S. Code 1681i to perform a reinvestigation when a consumer disputes information. Issuing generic templates or dismissing disputes due to formatting or assumptions about third-party preparation is not a lawful reason to disregard a consumers dispute. 

I affirm that I wrote and submitted all letters attributed to me. Any delay or failure to process my dispute will be seen as a willful violation of federal law and I will not hesitate to take further legal action. 
I demand the following : Immediate deletion of all inaccurate personal information. 
Verifiable, physical proof for every account and inquiry listed. 
Physical documentation mailed to me showing the results of your investigation. 
A full updated credit report reflecting all corrections. 

If you do not provide verifiable documentation, or if you fail to remove unverifiable data, you are violating the FCRA and XXXX XXXX standards. 

PERSONAL INFORMATION BEING DISPUTED Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request your full compliance. If you are unable or unwilling to validate the above items with real, physical documentation, they must be deleted immediately. Failure to comply within the legal time frame may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

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 2025-06-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief