vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is currently reporting an alternate name on my credit file that is not and has never been legally associated with me. Specifically, my report shows an alias listed as XXXX XXXX, which is completely incorrect and does not reflect my true legal identity. My full and only legal name is XXXX XXXX, and I have never used the name XXXX XXXX in any legal, financial, or personal context. 

The presence of this false alias on my consumer report is both alarming and unacceptable. It suggests that my credit file may have been merged with another individual 's data, which exposes me to heightened risk of misattributed accounts, mistaken identity, and potential cross-reporting errors. This is a direct violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires Experian to follow reasonable procedures to ensure the maximum possible accuracy of the information it includes in consumer reports. 

Despite my prior attempts to dispute this false name through Experian 's online and mail-based dispute systems, they have refused to remove it. That refusal demonstrates not only negligence but willful disregard for my rights as a consumer. Experians failure to investigate and correct this misinformation under 15 U.S.C. 1681i ( a ) which mandates a reasonable reinvestigation of any disputed information has caused me to suffer ongoing confusion, distress, and fear that incorrect data could impact current or future credit decisions. 

This inaccuracy is not just cosmetic. The presence of the wrong name on my credit file has already created complications in verifying my identity with lenders and has made me vulnerable to possible data contamination from unrelated accounts or inquiries. It has also been deeply frustrating and humiliating to have to explain this error in professional or financial settings where a clean and accurate identity is paramount.

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 2025-07-21 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX of 2025 I got an email notifying me that my account hit XXXX. This was 1 day after my husband and I got paid. We have XXXX kids and are truly doing our best but nearly living paycheck to paycheck. When I went in, I saw that my account hit XXXX and then I saw all the fraudulent charges made to XXXX ( I DONT EVEN HAVE A XXXX XXXX ), XXXX XXXX XXXX XXXX  and an online store called XXXX. The grand total was {$4300.00} with most of that at XXXX. It was devastating and we were not able to pay bills. Wells Fargo ( my bank ) initially gave me the money back. Then I got a letter stating that my digital foot print was on the charges therefore my claim was denied. They then took the {$4300.00} back out of my account, thus putting me in another position I could not pay bills. I appealed with the executive office and pleaded that I get to talk to someone about HOW and WHY this was the outcome and they kept telling me someone would call me back and NO ONE EVER DID. It makes you feel like the absolute most unworthy person. We still have not recovered from this.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
I hope this message finds you well. My name is XXXX, and after XXXX years of renting, my family is finally ready to purchase a home. However, I have encountered a significant obstacle in the loan application process due to inaccurate credit reporting by Synovus Bank. 

Since 2018, Synovus Bank has incorrectly reported a charged-off account on my credit report. Over the past XXXX months, I have been diligently working to rectify this issue with both XXXX  and XXXX, and I am grateful that XXXX promptly corrected the information. 

I opened an account with Synovus Bank years ago, but I was unable to pay off the full debt, resulting in a charge-off on XX/XX/year>. Despite this, the bank has continued to report the account as closed but current. The account should reflect a charge-off status every month since XX/XX/year> and should be removed from my report this XXXX. 

I have disputed this matter directly with the credit bureaus multiple times, yet they continue to assert that Synovus has verified the information as accurate. Recently, they altered the account status to reflect a charge-off for last month only, which suggests that this issue is recent and extends the timeframe for potential resolution by another XXXX years. 

After several attempts to resolve this directly with Synovus, I received a letter confirming the charge-off from 2018, along with a statement that supports my claim. Despite sending certified mail containing all relevant documentation, both XXXX  and XXXX  have responded without making the necessary corrections. I also sent certified mail to Synovus, which they received, but they have not responded or corrected the information. 

I find myself at a loss for what to do next. This situation has severely impacted our ability to buy a home and has negatively affected my credit score. It feels unjust that this misinformation continues to be reported without consequence for Synovus. I am perplexed as to why they would acknowledge the error in writing yet fail to take corrective action. 

I am reaching out to the CFPB in hopes that you can assist me in resolving this issue and help facilitate the removal of this inaccurate information from my credit report. This ongoing situation is causing significant distress for my family and me. 

Thank you for your attention to this matter. I appreciate any assistance you can provide. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fundo LLC
State: MD

Complaint narrative:
I recently was locked out of my checking account. When I acquired as to why ; I was told a company put a lien on my account. I reached out to the attorneys and they ccd Fundo. I researched information on Fundo, but Ive never done any business with Fundo. And adding to the problem is that I cant get a representative on the phone. I cant get anyone from collections on the phone. And I cant get anyone from legal on the phone. So, I cant even get anyone information as to who, what, when, where, and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I wired money from my XXXX account on XX/XX/XXXX in the amount of XXXX. Unfortunately, I was a victim of wire fraud and the money went into a fradulent account at CitiBank. The fraud was reported to XXXX a week later and also to a XXXX XXXX, VA detective ( And to the FBI but I never received a correspondence from the FBI ). The detective and XXXX XXXX  ( I have several witnesses ) whom has contact with the fraud department were told the the money was found and placed in a frozen account and would be returned to me in approximately 90 days after completion of the investigation at CitiBank. In XX/XX/XXXX, XXXX called me because Citibank needed the case number from the detective to complete their investigation ( which they already had according to the detective ) In XX/XX/XXXX, I was informed that my money would not be returned to me because of insufficient funds. Citibank would not give a reason why and I was not allowed to see or receive any of the correspondence between Citibank 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Despite confirming in a letter dated XX/XX/year> that a disputed XXXX XXXX account # XXXX was removed, Experian has re-reported it to my credit file without my permission or knowledge. This is extremely frustrating and feels like my rights are being ignored. Under the Fair Credit Reporting Act, once something is deleted, the credit bureau is supposed to have procedures in place to make sure it doesnt show up againclearly, they didnt follow that. Im including copies of my FTC Identity Theft Report, the deletion confirmation from XX/XX/XXXX, and a copy of my credit report that still shows this unauthorized account. The law says they must block this kind of information within 4 business days, but they didnt. Reporting this again without my permission also violates the law about permissible purpose. I never gave written consent for this account to be added back. I feel like Experian is ignoring the law and making my situation worse. I want the CFPB to investigate and make sure this account is deleted for good and not allowed to come back.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/XX/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 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I'll call Navy Federal XX/XX/XXXX to let him know I was trading in a XXXX XXXX XXXX Navy Federal is the lien holder Navy Federal told me to begin searching for the vehicle that I want I found the vehicle online through XXXX XXXX begin the paperwork and contacted Navy Federal about the XXXX XXXX XXXX  that I was interested in XXXX then told me that I needed {$140.00} to have the vehicle towed from North Carolina to XXXX XXXX XXXX I paid the fee the vehicle was shipped on XXXX the XXXX I contacted Navy Federal to let them know that the vehicle was waiting for me at XXXX XXXX XXXX for pickup and I need financing Navy Federal staff told me there was nothing from XXXX that was sent to them I asked him are you sure he then said hold on and then came back to the phone and said yes they sent a buyout for the XXXX XXXX XXXX Navy Federal the lien holder I told Navy Federal I prefer financing through Navy Federal credit Union because y'all been financing my vehicles since day one Navy Federal staff started the application he then gave me the rundown on what to expect if I'm approved once the application was completed he told me it will be an hour for a decision I got a decision within that hour Navy Federal denied me for the trade in loan telling me that my credit was poor remind you I have a mortgage with Navy Federal a credit card and a car loan I've always paid Navy Federal even during the time we had XXXX Navy Federal already know the condition of the XXXX XXXX which broke down on me XXXX weeks of owning it and also another vehicle to assure I keep a part-time job which is on the line right now of termination if you ever try to drive a vehicle without car steering it's no fun I chose Navy Federal instead of XXXX XXXX XXXX Navy Federal always financially when I needed a vehicle but for some reason they are forcing me or trying to make me use XXXX XXXX Navy Federal is starting to be a problem with me I can't even use my home equity because they won't even give me a loan for that it's a shame that I have to go through these high interest rate payday loan companies because Navy Federal failed to give me my financial needs I've been a member of Navy Federal credit Union for about 11 years now and now all of a sudden they start failing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
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 4 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 XXXX XXXX GA XXXX INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CT

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-07-21 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute and request a full investigation into several inaccurate, misleading, or improperly reported accounts listed on my credit report. The accounts listed below are causing significant damage to my creditworthiness and have not been resolved despite previous attempts to communicate with the furnishers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThis installment account is reporting as over 120 days past due with a current balance of $ XXXXHigh credit limit shows as {$24000.00} but the reported amount paid is - {$26000.00}, creating an illogical remaining balance of {$51000.00}.

This suggests an error in data entry or calculation.

No account activity dates or specific payment history is supplied.

No supporting creditor name or documentation included.

Request : I request this account be fully validated and corrected for accuracy, or removed entirely due to unverifiable and contradictory information. 

XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX This account is listed as charged off and closed. 
Credit limit was {$250.00}, balance reported as {$390.00}, and available credit shown as negative $ XXXXThe available credit can not logically be negative and indicates a miscalculation or misreporting.There are no consistent payment dates or history to support the current balance. 
Date of first delinquency listed as XX/XX/XXXX ; however, account reporting only began XX/XX/XXXX, which is nearly two years later.Please investigate and verify the accuracy of this data under the FCRA. If the account can not be verified with full substantiating evidence, I request deletion from all bureaus. Additional Concern : I have been disputing this account for several months with no results. I have not received a fair or thorough investigation, and no explanation or documentation has been provided to show how this tradeline was verified by Equifax. This violates FCRA 611, which requires the credit bureau to conduct a reasonable investigation and provide supporting evidence.I request full validation of the reporting accuracy from Equifax and deletion of the tradelines if proper validation with original account records, statements, and charge-off details can not be produced. This account is harming my creditworthiness based on questionable, inconsistent, and potentially unlawful reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, after logging out of my Coinbase account ( XXXX ), I became unable to log back in due to a verify passkey loop redirecting to my phone settings. Despite verifying my identity four times, Coinbases system failed to grant access. A duplicate account linked to my XXXX was created during troubleshooting but has been deleted. Coinbase support, including a phone representative, claimed they couldnt find my account despite my details ( XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ), and live chat was unhelpful. The original account contains funds, and the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an inaccurate collection tradeline being reported by XXXX XXXX XXXX on my credit report. The account is tied to a rental property at XXXX XXXX XXXX XXXX ( XXXX XXXX ). 

I have received written confirmation from Fair Collections & Outsourcing ( FCO ) the last known and authorized collection agency for this debt that the account has been canceled in their office and that they have formally requested the item be removed from my credit file. I have included this letter as supporting documentation. 

Despite this, one or more credit bureaus are continuing to report the XXXX XXXX XXXX tradeline, even though XXXX XXXX : -Was never authorized to collect or report this debt ; -Was not the active collector at the time of cancellation ; - Can not provide proper verification of their authority to furnish the data. 

I have disputed this item with the credit bureaus and provided the FCO cancellation letter, yet the bureaus appear to have relied solely on XXXX XXXX unverifiable confirmation and have failed to conduct a reasonable investigation as required under FCRA 611 ( a ). 

I am also requesting the bureaus provide the method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) including the name of the party contacted, the documents used, and how verification was completed. So far, that information has not been provided, and the tradeline remains on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief