vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
XXXXXXXX XXXX transfer to third party collections XXXX XXXX XXXX they sent correspondence I wort back asking for wet ink signature, authority to collect, chain of title. Sent thru mailing certified green no response sent a cease and Desist to both companies. Have been harmful to my family for 2 yrs on a closed account.

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 2025-07-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XXXX  while paying on my originsl mortgage and close to final payment. A new refi was opened and approved for {$190000.00} estimated. This new mortgage occurred in 2013 with signed doccument from places l 've never visited. All documents are under suspicion. Wells Fargo response that these documents are legit and after paying an additional {$61.00} XXXX they expect the balance of {$120000.00} to be paid. Again l have never heard nor was this no cash out streamline mortgage explained to me or my spouse. These documents will need to be authenticated.

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 2025-07-26 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: FL

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-26 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: DISCOVER BANK
State: CA

Complaint narrative:
I recently reviewed my credit report and discovered a Discover credit card account and XXXX hard inquiries that I did not authorize. These entries are inaccurate and do not reflect any application or transaction I initiated. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a full and proper investigation into these items. I contacted the furnisher ( s ) responsible for reporting this information but have not received any verifiable documentation supporting the legitimacy of the Discover account or the associated inquiries.

Because these entries are not authorized and have not been verified, I am formally requesting that they be removed from my credit report as required under the FCRA. 



Creditor Name Date of Inquiry Credit Bureau XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I am filing a formal complaint against Equifax for their continued unlawful reporting of a XXXX XXXX collection account ( Acct XXXX  : ending in XXXX XXXXXXXX ) on my credit file. This account has a past due balance of {$4300.00} and is being falsely updated every month as if its still open and active, which is deceptive and in violation of federal law. 

Under 15 U.S.C. 1681i ( a ), Equifax is required to perform a reasonable reinvestigation of disputed items, yet they continue verifying this account without producing proper documentation. I have demanded the original contract with my wet signature, proof of legal ownership, full chain of custody, method of verification, and itemized billing, and none of this has been provided. 

The account is allegedly in collection, yet Equifax is allowing it to report monthly with a balance and due date, giving the appearance of a new delinquency every month a direct violation of 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1692e ( 8 ). 

If XXXX sold or charged off the debt, they can not legally continue furnishing monthly updates to Equifax. This constitutes re-aging, false representation of a debt, and continued harm to my credit profile. 

I am demanding full deletion of this account and written confirmation of the reinvestigation process, including the name, contact info, and method used to verify. If not resolved, I intend to pursue legal action under 15 U.S.C. 1681n & 1681o.

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/year>, I mistakenly sent XXXX XXXX on the XXXX XXXX ( XXXX  ) to my Coinbase XXXX XXXX address. The transaction was confirmed on-chain via XXXX and the wallet address is under Coinbases custody. 

Transaction Hash ( XXXX ) : XXXX XXXX  Link : XXXX  : XXXX Despite Coinbase controlling the receiving wallet, their support team denied recovery of the funds because the XXXX token is not supported. However, the funds are verifiably on-chain and recoverable through a manual sweep of the wallet a standard procedure for custodial platforms when users make network-related token errors. 

I requested escalation to their technical team, and they refused to escalate or confirm whether manual recovery was possible. I was told the funds did not arrive, which is incorrect they are clearly visible and traceable on the XXXX. 

This situation raises concerns over : - Negligent custodial practices - Failure to return user-owned funds - Lack of clear disclosures or warnings - Potential unjust enrichment I am requesting that Coinbase either : Recover and return the funds to my account, or Provide a formal written statement confirming that recovery is technically possible, but denied due to policy so I can document this for further legal or media recourse. 

This complaint is not only about the {$170.00} lost, but about the principle : custodial platforms must be held accountable for recoverable user funds especially when the user provides full transaction data, and no malicious activity occurred. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-26 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-26 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: VA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
I've requested to use the cash app again and I am always told I've been locked out of my account, they stole XXXX dollars from me and kicked me off with every email address I try to use

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
: A copy of the original wet-ink signed agreement Proof of chain of title and accounting Verification of any third-party securitization Trust authorization ( if any ) supporting the account To date, Citi has failed to honor lawful remittance, acknowledge trust jurisdiction, or provide lawful proof of claim. Continued reporting of adverse data and presumption of personal liability constitutes trespass, fraudulent conversion, and commercial misconduct under : 15 USC 1681s-2 ( FCRA ) 15 USC 1692e/g ( FDCPA ) UCC 3:603, 1:308 , 1:103.6 42 USC 1983

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 2025-07-26 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:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, correspondence was dispatched to facilitate the removal of paid debts and accounts from my credit report. Despite multiple submissions to the three credit bureaus, the matter remains unresolved. Contact was established with the relevant companies, and closure documentation was provided tome for submission to the bureaus, along with supporting evidence from companies. Furthermore, letters were submitted to the bureaus, highlighting inaccuracies in the reported addresses and phone numbers and requesting their removal. Despite repeated correspondence and documentation, a resolution to this issue has not been achieved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, correspondence was dispatched to facilitate the removal of paid debts and accounts from my credit report. Despite multiple submissions to the three credit bureaus, the matter remains unresolved. Contact was established with the relevant companies, and closure documentation was provided tome for submission to the bureaus, along with supporting evidence from companies. Furthermore, letters were submitted to the bureaus, highlighting inaccuracies in the reported addresses and phone numbers and requesting their removal. Despite repeated correspondence and documentation, a resolution to this issue has not been achieved.

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 2025-07-26 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: IL

Complaint narrative:
Fraudulent inquiry on mycreditreport. 
XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX 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 2025-07-26 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:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX 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 explanation
Consumer complaint received 2025-07-26 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-26 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/2025, a fraudulent wire of {$4500.00} was transferred out of my ally savings account. I called them the minute I received notice that the transaction had been made and had to argue with the first person after he said i made the transaction, no i did not. I called ally fraud dept to report and have called multiple times for the status. I was told they would need to do a recall and it would take 90 days. No one has ever called, emailed or texted to update me. I called on XX/XX/2025 to be told the recall had been done, but there was no money in the XXXX XXXX where the money was wired. I spoke to XXXX and she said she would have someone that handles wires call me. No one called me. The whole situation was mishandled and is unacceptable.

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