vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX XXXX, Wells Fargo, through their counsel XXXX XXXX XXXX, filed a misleading, late, and incomplete cover letter with the XXXX XXXX XXXX, Florida, 13 days after our XXXX XXXX XXXX foreclosure sale. This filing occurred after the statutory objection period ended. The letter falsely stated a " sales package '' was enclosed, although the referenced documents had been previously submitted separately, causing confusion about the foreclosure documentation. Additionally, this cover letter lacked mandatory attorney identification, including signature and Florida Bar number, violating explicit procedural rules. These irregularities impaired my ability to understand and verify foreclosure proceedings, raising serious concerns about transparency, accuracy, and potential deception under CFPB regulations ( Regulation X, UDAAP ).

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: FL

Complaint narrative:
I dont this company I never agreed to pay them any amount. I never agreed to any terms with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: AZ

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 : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-03-24 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: Chime Financial Inc
State: NY

Complaint narrative:
I reached out to XXXX due to an unknown charge from a merchant called Zip I never owned a zip account and apparently my card has been linked to someone using my card. I have provided proof that a person name XXXX XXXX Stole my card information and used it to purchase items. Chime closed the dispute the 2nd time and did not even care for the evidence I have. As far as the Zip merchant I dont have an account with them so they cant verify any account. Chime refuse to help with momey stolen even with Valid proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
There as been an inaccuracy on my consumer report, I discovered some account that i do not have anything to do with, this is an improper use of my consumer report, and I will appreciate if this can be investigated and removed with immediate effect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-24 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: TX

Complaint narrative:
There as been an inaccuracy on my consumer report, I discovered some account that i do not have anything to do with, this is an improper use of my consumer report, and I will appreciate if this can be investigated and removed with immediate effect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year>, I received an email from Truist Bank ( email address XXXX ) stating they sent me an important message about an incoming deposit and to accept the e-deposit to my account by clicking on a link. The issue is that I don't have a Truist account and never opened an account. When contacting Truist customer service at XXXX to determine what this email is about and to confirm if an account was opened in my name fraudulently, they were unable to verify whether an account exists or not. The only verification is by providing my SSN which I refused as I do not know if this is some sort of fraud or a legit bank. When asking the representative if there was a local branch for me to go and verify if any accounts were opened in my name, there are no branch locations in where I live ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). I also contacted Truist Fraud Department at XXXX and they could not assist me at all. I've never done business with Truist Bank and I want to verify if any of my personal information was used to open an account but unable to get the information I need from Truist. I would like to file a complaint if an account was opened in my name and this is considered 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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase is unlawfully withholding {$11000.00} worth of XXXX ( XXXX ) that I mistakenly sent to a closed account. Here are the facts : Account Closure : Coinbase closed my account in XXXX but failed to disable associated deposit addresses. 

Mistaken Transfer : In XXXX, I sent XXXX XXXX ( worth {$11000.00} ) to my old Coinbase address ( XXXX ), unaware it was invalid. 

Coinbases Custody : As a regulated custodian, Coinbase controls the private keys to this address and can return the funds. 

False Claims : Coinbase Support claims the funds are " irrecoverable, '' which is technically falsethey are refusing access, not unable.

Consumer Harm : This constitutes unjust enrichment under UCC 8-503 ( custodial obligations ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX  Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. I want them removed and by law they are to be removed within 4 days. The accounts is listed in my attachments pls read.

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 2025-03-24 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: GA

Complaint narrative:
I am writing to formally dispute the incomplete reporting of my credit accounts under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. The following accounts are inaccurately omitted from my consumer report with TransUnion and XXXX, while XXXX is properly reporting them. This omission is negatively affecting my credit profile by failing to reflect my established payment history and available credit. 

Accounts in Question : 1. XXXX ( Authorized User ) Credit Limit : {$10000.00} Balance : {$510.00} ( Updated : XX/XX/XXXX ) Credit Usage : 5 % Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  ( Authorized User ) Credit Limit : {$2000.00} Balance : {$770.00} ( Updated : XX/XX/XXXX ) Credit Usage : 38 % Date Opened : XX/XX/XXXX Violation of Consumer Rights and Metro 2 Compliance : Pursuant to 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) and 15 U.S. Code 1681e ( b ) ( Requirement to ensure maximum possible accuracy ), the failure to report these accounts completely and accurately constitutes non-compliance. Additionally, under Metro 2 reporting guidelines, all furnished data must be complete, accurate, and up-to-date across all consumer reporting agencies.

These accounts are essential to my credit history, demonstrating responsible usage and timely payments. The exclusion of this information skews my credit profile and affects my ability to obtain fair lending terms.

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-03-24 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:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of department of XXXX XXXX XXXX XXXX XXXX to gain access to multiple internal systems with the Department of Education including financial aid, dataset that contains the personal information of millions of student enrolled in the federal aid program. My information was among that dataset that has been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Their are inquires on my report that I did not give consent to authorize nor have knowledge of their presence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX RE : XXXX card ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX , We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the XXXX XXXX XXXX XXXX XXXX within XXXX. According to our records, the above-referenced account was opened in your name on XX/XX/XXXX, through an application received on XX/XX/XXXX. You provided your address, social security number, date of birth, and we verified the information based on the request to open the account. As the application was submitted via the internet, there is no signed application to provide. However, you did provide your electronic acknowledgement and agreement to the application terms and conditions. To further confirm the validity of your account, you activated your card on XX/XX/XXXX, during a phone conversation with a XXXX representative. On XX/XX/XXXX, you registered for XXXX  online account center using the email address XXXX. There have also been documented instances of security codes being sent via text message to the phone number ending in XXXX and being successfully validated. It is noted that this phone number matches the information you provided with your CFPB correspondence and the application you submitted for the account. Your account first went delinquent on XX/XX/XXXX, and charged off due to non-payment on XX/XX/XXXX, with a balance of {$5900.00}. Subsequently, your account has been placed with Zwicker & Associates, XXXX. for further collection efforts on our behalf since XX/XX/XXXX. A lawsuit was filed in the XXXX XXXX XXXX on XX/XX/XXXX, and a judgment was awarded on XX/XX/XXXX. An execution of judgment was filed on XX/XX/XXXX. We are unable to provide any billing statements for the account as they are unavailable due to the age of the account. Additionally, we are unable to provide any of the additional information you requested in your CFPB correspondence, due to the sensitive and/or proprietary nature of the information. You may contact Zwicker & Associates, P.C. at ( XXXX ) XXXX if you would like to discuss the details of your account. Should you have any further questions or concerns, you may contact me at ( XXXX ) XXXX. I am typically available XXXX, XXXX XXXX XXXX XXXX ET XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The loan remained current up until the beginning of the pandemic Covid 19. Regional Acceptance Corporation did reach out XXXX XXXX about a year deferment due to the cares act passed by congress. Regional Acceptance Corporation did verbally say in any event the vehicle would be fully paid off due to any unforeseen loss during and after the pandemic covid 19. 
Due to Congress passing the cares act. Date of loss XX/XX/year> There was a gap policy that should have covered the remainder of the balance of the loss. Only a {$1000.00} was paid out of {$10000.00} Gap and Regional Acceptance Corporation should have covered the loss after the insurance company paid the cash value towards the loss.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, to Experian Information Solutions on my Auto Loan, Equity Loan, Unsecured Loan, account XXXX, XXXX, XXXX, for the date XX/XX/XXXX. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

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 2025-03-24 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: FL

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-24 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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