vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 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 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am not " disputing '' I am DEMANDING the immediate, permanent deletion of the following fraudulent and inaccurately reported accounts from my credit file. This is not a request ; it is a formal notice of your severe and willful non-compliance with the Fair Credit Reporting Act. 

The accounts in question are : XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX Your continued reporting of these accounts is a direct violation of federal law. Here is how you are breaking it : 1. WILLFUL VIOLATION OF 15 U.S.C. 1681e ( b ) MAXIMUM POSSIBLE ACCURACY.

The persistent inaccuracies across multiple accounts and multiple bureaus prove your procedures are a sham. This is not a simple error ; it is a systemic failure that demonstrates a reckless disregard for the law.

2. WILLFUL VIOLATION OF 15 U.S.C. 1681i ( a ) REASONABLE REINVESTIGATION.

Your so-called " reinvestigations '' are a joke. You have repeatedly failed to correct these accounts, proving you do nothing more than rubber-stamp unverified data from furnishers. This is a complete abdication of your legal duty.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have incorrect information showing on my credit file. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please remove any other address. I would like a block on my file and a PIN number to secure the integrity of my personal and financial information.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Certegy Holdings, LLC
State: OH

Complaint narrative:
I have incorrect information showing on my credit file. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. Please remove any other address. I would like a block on my file and a PIN number to secure the integrity of my personal and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
This complaint is a revised and definitive update to my previous CFPB submission ( XXXX ) regarding XXXX XXXX  XXXX XXXX harmful mismanagement of my disaster-related forbearance. My objective is to rebuild my home, which was rendered uninhabitable by the Presidentially Declared Disasters of Hurricanes XXXX and XXXX ( late XXXX and early XX/XX/XXXX ), and become current on my mortgage. XXXX XXXX  's direct error has wrongfully and illegally blocked my access to a combined FHA 203 ( h ) and Standard 203 ( k ) refinance, the only viable path to recovery. 

Summary of Events and XXXX XXXX  's Failures : XXXX. XX/XX/XXXX : Account was current upon entering a XXXX general hardship forbearance. 
XXXX. Late XX/XX/XXXX : Following the federal disaster declarations for Hurricanes XXXX and XXXX, my primary residence at XXXX Rolling Falls XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was catastrophically damaged and made uninhabitable. 
XXXX. XXXX XXXX : My forbearance was expiring. I made multiple timely requests to XXXX for a disaster-specific forbearance as required by federal law for homes in declared disaster areas. 
XXXX. Remote Work Job Loss ( Consequence of Disaster ) : On XX/XX/XXXX, I was terminated from my fully remote position due to my inability to perform my duties. My home office was destroyed, and a lack of reliable power, internet, and a habitable environment made it impossible to work. This job loss is a direct and documented consequence of the disaster and not the result of my performance. 
XXXX. Servicer Negligence : XXXX XXXX  failed to properly process and categorize my request as disaster-related. Instead, they incorrectly designated it as a general hardship, an egregious servicing error that compounded my distress. 
XXXX. Illegal Credit Reporting : As a direct consequence of this error, XXXX improperly reported my delinquency to credit bureaus. This has negatively impacted my credit score, creating a barrier to accessing the correct FHA loan programs. The FHA explicitly allows flexibility for disaster victims, and XXXX 's misreporting has violated the spirit and letter of this relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
I am submitting to bring to your attention an account listed on my credit report that I do not recognize and did not authorize. After carefully reviewing my report, I have reason to believe this account may have been opened fraudulently using my personal information. 
Account in Question : XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} I understand that accurate reporting is essential for both consumers and credit bureaus, and I take this matter seriously. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I respectfully request that this account be investigated and, if found to be fraudulent, removed from my credit file.

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 2025-10-17 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: IL

Complaint narrative:
I am submitting to bring to your attention an account listed on my credit report that I do not recognize and did not authorize. After carefully reviewing my report, I have reason to believe this account may have been opened fraudulently using my personal information. 
Account in Question : XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} I understand that accurate reporting is essential for both consumers and credit bureaus, and I take this matter seriously. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I respectfully request that this account be investigated and, if found to be fraudulent, removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Around XX/XX/year>, we sent a notice with our promissory note to pay our loan in full. They did NOT pay our loan in full, nor did they return our note.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: CA

Complaint narrative:
I did a loan to pay my lease and they didnt include the tax on the loan, and never removed the name from the lease owner to the loan owner. Now I finish paying my loan and cant register the car because both banks are in the title and they only said bank A have to do it and the other said bank B have to do it. Now Im paying late fees at the DMV

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$690.00} XXXX  XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$150.00}

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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I am submitting this complaint because my efforts to build my credit report have not been properly reflected or supported by the company. I opened an account with the intention of establishing and improving my credit history. Despite making on-time payments and following the companys instructions, these activities have not been reported accurately or consistently to the credit bureaus. 

I contacted the company on XX/XX/year> to address the issue, but the problem remains unresolved. I have not received clear communication or a timeline for when my credit information will be updated. This delay has negatively affected my credit-building goals and my ability to qualify for future credit opportunities. 

I am seeking assistance to ensure that my credit-building activities are correctly reported and reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Ive seen that some inaccurate accounts are still appearing on my credit reports, and they havent been taken out. This situation has been weighing heavily on me, and Im pleading for the attached documents to be carefully reviewed so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Credit Card Company Complaint charging for XXXX annual fee that I did not agree to in the original agreement. I would not have ever agreed to an annual fee of XXXX. This is fraud on the action of the credit card company. Then this month XXXX 2025 the company want a Maintenance fee XX/XX/XXXX Card XXXX and XX/XX/XXXXCard XXXX that I never agreed to any type of Maintenance fee when I first started this credit card. Then on XX/XX/year>2025, I received a notice from the credit card company that they will start XX/XX/scrub> 2025, some type of maintenance fee where I will be charged XXXX per month or XXXX annually. They already charged me an annual fee of XXXX that I never agreed on in the original agreement now they are attempting to charge another fee that I never agreed upon. 
The company advised that I can close the accounts and I want Have any fees to pay. However, I asked the company for a copy of the original application with date and the terms of that agreements. I don't know how the courts are in New York. However, the courts in California do not play around with fraud from credit card company

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 2025-10-17 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I was targeted with a sophisticated phishing scheme impersonating Coinbase. The scammers used accurate personal information and tricked me into clicking a link that appeared to be official. Shortly afterward, my Coinbase account was accessed remotely from an unrecognized IP address in XXXX, New Jersey ( XXXX ). 

On XX/XX/year>, two large unauthorized on-chain transactions were executed from my account without my knowledge or consent. The first transferred XXXX CRO ( approximately {$9600.00} ) to wallet address XXXX, confirmed on XXXX [ Txn Hash : XXXX ]. 

Additional funds were then moved through XXXX-associated addresses ( e.g. Coinbase 10 ) and subsequently converted into multiple USDC transactions ( e.g. {$99000.00}, {$5000.00}, etc. ) across various addresses. Screenshots of these XXXX  records are attached. 

I immediately contacted Coinbase to report the breach. At the time, I was an active Coinbase One subscriber, which advertises up to {$1.00} XXXX in protection for unauthorized activity. Coinbase closed my support case without escalation, stating it can not be reopened, and has refused to reimburse or even escalate to their Coinbase One claims team. 

This is a clear unauthorized access and theft incident, verified by Coinbases own IP records and confirmed on-chain. Coinbase has both the ability and responsibility to investigate and potentially freeze funds moved through Coinbase wallets, yet has failed to act. I am left without recourse despite paying for Coinbase One protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submittibng to request an investigation into the accuracy and completeness of several late payment entries currently listed on my TransUnion credit report. This request is made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. which grants consumers the right to dispute any information believed to be inaccurate or incomplete.Specifically, FCRA 611 provides consumers the right to dispute reported data and request that a credit reporting agency confirm its accuracy with the data furnisher. Additionally, FCRA 607 ( b ) requires that consumer reporting agencies ensure all information reported is maintained with the maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00}

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 non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a claim with Wells Fargo because I was charged an outrageous amount for something I did not authorize, they gave me temporary credit until they investigated and then recently sent me a letter stating they denied my claim. 

The amount in question is : {$2700.00} They denied the claim because I used my mobile phone to make the purchase. 

I was purchasing through an online site which turned out to be a scam website! I tried Wells Fargo representatives know that the website scammed me and charged me for something completely different!! And they kept charging me over and over again. 

I'm very stressed out about this as it's affecting my ability to pay my rent!

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 2025-10-17 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: OH

Complaint narrative:
I was contacted via mail in XXXX of a student loan of over 20 years and long since off my credit report was being transferred to the US Dept of Education. The loan had appeared on the credit report under numerous names for the past 20 years but always returns reaged to the reports. US Dept of Education re-aged this to beginning in XXXX of XXXX. 

Attached is the letter from the Dept of Education CONFIRMING the age of the account in question they were taking over and CONFIRMING they reaged the account on all credit reports also attached. Other evidence of reaging from XXXX  attached. Prior credit reports with the last payment of XXXX attached. 

This needs off 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 explanation
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I am submitting this XXXXround dispute after carefully reviewing the results of your previous investigation. Despite my prior correspondence, several accounts on my Experian, Equifax and TransUnion credit report remain inaccurately reported, which continues to misrepresent my payment history and overall creditworthiness. I am respectfully requesting a thorough reinvestigation and correction of the following accounts in compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$91.00}

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 non-monetary relief