vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: NJ

Complaint narrative:
This letter is a formal dispute regarding unauthorized hard inquiries appearing on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b, 1681i, 1681e ( b ), 1681g, 1681s-2, as well as FACTA and Metro-2 reporting standards. 

The following inquiries were fraudulent and unauthorized, and I demand their immediate deletion : XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> Under FCRA 604 ( a ), a company must have a permissible purpose and written authorization from me before pulling my credit report. 
I never applied for credit, loans, or services with these entities and never authorized these inquiries. 
Because there is no permissible purpose, these inquiries violate federal law. 

CRAs are required to ensure the maximum possible accuracy of information. 

These inquiries do not meet Metro-2 compliance standards, which require : Proper authorization documentation Accurate identification Full verification by the data furnisher

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter is a formal dispute regarding unauthorized hard inquiries appearing on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b, 1681i, 1681e ( b ), 1681g, 1681s-2, as well as FACTA and Metro-2 reporting standards. 

The following inquiries were fraudulent and unauthorized, and I demand their immediate deletion : XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> Under FCRA 604 ( a ), a company must have a permissible purpose and written authorization from me before pulling my credit report. 
I never applied for credit, loans, or services with these entities and never authorized these inquiries. 
Because there is no permissible purpose, these inquiries violate federal law. 

CRAs are required to ensure the maximum possible accuracy of information. 

These inquiries do not meet Metro-2 compliance standards, which require : Proper authorization documentation Accurate identification Full verification by the data furnisher

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 2025-11-23 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2025, I received an alert indicating a credit inquiry for a new line of credit. Upon reviewing my credit report, I observed a credit injury for Wells Fargo Bank. I contacted the creditor to inform them that I neither initiated nor authorized this line of credit. Unfortunately, I was unable to resolve the issue directly. The credit card company advised me to contact the credit bureau. When I contacted TransUnion, I was informed that I needed to file a formal complaint through the consumer finance regulatory authority.

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 2025-11-23 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: OH

Complaint narrative:
The credit bureaus are reporting accounts, inquiries, and personal information that violate FCRA Accuracy rules. The negative accounts contain conflicting dates, balances, and statuses across all three bureaus, proving they were not verified with the original creditor. The bureaus are using automated systems instead of real verification. Several inquiries were not authorized, and my personal information is incorrect and duplicated. I am requesting the CFPB to require full deletion of all unverifiable accounts, removal of unauthorized inquiries, correction of personal information, and a real reinvestigation as required under FCRA 611.

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Your Coinbase withdrawal code is : XXXX.Please do not share this code with anyone.If you have not requested this, please call : XXXX : XXXX I dont have a coinbase account. This is fraud. This is the 8th time Ive gotten a text message like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I wrote Senior Vice President XXXX XXXX of Wells Fargo Claims Assistance CenteXXXX on XX/XX/year> about an ongoing issue preventing customers from communicating w/ the Bank via email. 

Although a 10-day response was advised, I followed up w/ Wells Fargo on XX/XX/year> and advised that it had been 15 days since their XX/XX/year> email response promise. The Bank replied on XX/XX/year> and indicated it would be at least another month ( XX/XX/year> ) before they could address the matter. 

Since I felt they were stringing me along, I decided to handle the matter via formal complaint w/ their regulator- the CFPB. All communication to date w/ the Bank will be uploaded as supporting documentation to this complaint.

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 2025-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WA

Complaint narrative:
I noticed that my loan amount was increasing although there was supposed to be no interest accruing for the SAVE loan application/processing.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-23 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 am disputing the following XXXX accounts on my Equifax credit report for false reporting of late payments : XX/XX/XXXX Opened XX/XX/XXXX These accounts are reporting 90-day late payments without preceding 30- or 60-day late entries, which is inaccurate and materially misleading. According to 15 U.S.C. 1681, this violates my rights under the FCRA.

I demand that Equifax : Conduct a full investigation with XXXX to verify the accuracy of these accounts. 


Correct or remove any accounts that can not be verified as accurate. 


Provide written confirmation of the results of this investigation. 


Noncompliance may result in legal action for willful violations, including actual and statutory damages under 15 U.S.C. 1681n and 1681o. I expect expedited resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had a XXXX credit account with XXXX XXXXXX/XX/XXXXthat was later placed with XXXX XXXX XXXX andXX/XX/XXXXXX/XX/XXXX for collection. On XX/XX/year> I made the final payment of {$520.00} on this account. I received a written Release of Claim Notice dated XX/XX/year> fromXX/XX/XXXX dba XX/XX/XXXX. That letter states that my final payment has posted, that it has satisfied the outstanding obligation, and that they have updated all applicable records to indicate the discharge of all liabilities pertaining to my account. 

Even though this account has been fully paid and all liabilities have been XXXX, TransUnion is still reporting the XXXX tradeline as a derogatory account with a payment status of Collection/Chargeoff and comments stating Charged off as bad debt/ Purchased by another lender. This is inaccurate, incomplete, and misleading because it makes it look like I still have an unpaid charged-off collection, when the balance and past-due amount are {$0.00} and the creditor has released all claims. 

I disputed this with TransUnion and requested that they update the tradeline to reflect the true status of the account after the Release of Claim ( paid/settled with {$0.00} balance and {$0.00} past due ), using the attached letter as proof. TransUnion left the account in Collection/Chargeoff status and simply marked it as verified without correcting the reporting or providing any documentation that any money is still owed. I am not disputing that the account existed ; I am disputing TransUnions failure to accurately update the account after it was paid and released, which is harming my credit profile.

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, my Navy Federal Credit Union account suddenly showed that it was restricted and that I could no longer access or transfer the funds already in my account. I contacted Navy Federal immediately to address the issue, but I was later informed that my account had been permanently restricted without any explanation or reason. I have been a loyal Navy Federal Credit Union member for years and have consistently relied on my account for everyday banking and financial transactions. I am demanding that this matter be fully reviewed, that I receive a clear and detailed explanation for the restriction, and that my situation be legally and thoroughly investigated to ensure fairness, transparency, and the proper handling of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
SPRING OAKS CAPITAL LLC is violating my consumer rights.Collection Agency has not provided VALIDATION in Accordance with 12 Cfr 1006.34 ( b ) ( 5 ), But still put a Collection on my Consumer Credit Report.I have not been given a chance to dispute account in Accordance with 12 Cfr 1006.34 ( c ) ( 4 ) ( I ) .Collection Agency is violating My Consumer RIGHTS by using False, Misleading, Misrepresentation and Deceptive Means.Collection Agency has NO AUTHORITY to furnish any accounts to a Consumer Reporting Agency without Providing any and ALL Disclosures by LAW and they are in CLEAR Violation of 12 Cfr 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am disputing All Debts they say I owe.I am Revoking ALL RIGHTS OF COMMUNICATIONS with Me, By Emails, Calls, and Chats I am Requesting A PURCHASE AGREEMENT Between Debt Collection Agency and Original Debtor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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:
I am submitting this complaint because my credit report contains multiple inaccurate and impossible items that violate the Fair Credit Reporting Act ( FCRA ). I have not disputed these with the credit bureaus before. 

My report shows several accounts and inquiries with impossible future dates, inconsistent reporting, and conflicting information that can not be accurate. 

Examples include : Multiple auto-related inquiries dated XX/XX/XXXX and XX/XX/XXXX, which are future dates that have not occurred yet. This violates FCRA 607 ( a ) ( maximum accuracy ) and 604 ( permissible purpose ). 

XXXX XXXX is reporting a {$640.00} collection with dates that are impossible, including opened XX/XX/XXXX, last active XX/XX/XXXX, and last reported XX/XX/XXXX. These dates can not be legitimate, making the information unverifiable under FCRA 611. 

XXXX and XXXX XXXX accounts are reporting inconsistent balances, high credit amounts, and different dates across the three bureaus. The information does not match any real payment history or billing cycle. This violates FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate or inconsistent data. 

These errors are harming me because they inaccurately portray my credit activity and payment history. I have not received any documentation or validation to support these dates or balances, and I have not authorized many of the inquiries shown.

I am requesting the CFPB to require the bureaus to : 1. Investigate all impossible or future dates, 2. Remove or correct all unverifiable accounts, 3. Delete unauthorized inquiries, 4. Ensure full compliance with FCRA requirements for accuracy and verification. 

The information currently being reported is not complete, not accurate, and not verifiable, and it is damaging my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: LA

Complaint narrative:
I am a verified victim of identity theft, and Equifax continues to report three fraudulent accounts on my credit file, despite having full and sufficient identity theft documentation. These accounts were opened without my authorization and are formally documented in my FTC Identity Theft Reports. 

FTC Report XX/XX/XXXX ( XX/XX/year> ) identifies the following fraudulent accounts created by an identity thief : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC ReportXX/XX/XXXXXX/XX/year> ) further confirms misuse of my personal information and additional fraudulent activity appearing across my credit files. 


These three accounts now appearing on Equifax are not mine, and I did not authorize or open them. Because they are identity-theft accounts, they must be deleted under federal law. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is legally required to block identity-theft-related accounts within 4 business days after receiving : Proof of identity An FTC Identity Theft Report Equifax has both of these required items, yet the fraudulent accounts continue to report. This is a direct violation of FCRA 605B and FCRA 611 ( a ), which requires a reasonable document-based reinvestigation. 

Additionally, because this is an identity theft case supported by formal FTC Identity Theft Reports, this dispute can not be processed through the automated E-OSCAR ACDV system, which is not legally capable of evaluating FTC identity-theft documentation. Under FCRA 611 ( a ) ( 2 ), Equifax must conduct a manual human review of my supplied documents and must evaluate them in good faith, not through automated furnisher responses or numerical dispute coding. 

I am requesting CFPB intervention because Equifax has failed to meet mandatory federal identity-theft blocking requirements and continues to publish fraudulent data on my consumer report in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tsarouhis Law Group, LLC
State: PA

Complaint narrative:
Re : Complaint Regarding XX/XX/XXXX and Tsarouhis Law Group Debt Collector / Attorney Information : Tsarouhis Law Group Attention : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Debt Owner / Creditor Information : XX/XX/XXXXo Whom It May Concern : I am filing a complaint regarding improper debt collection activity by Tsarouhis Law Group, acting as a debt collector for XX/XX/XXXX 

The debt collector and their attorney used an incorrect address for me, which resulted in failed service and improper notice. A sworn affidavit from XXXX XXXX XXXX states that service could not be effected on XX/XX/year>, yet the attorney continued litigation activity as though valid service occurred. This includes filing briefs, objections, and responses without jurisdiction. 

The attorney failed to address my objections regarding improper service and continued sending filings to an incorrect address, causing significant prejudice. Several filings contain misleading implications that service was completed or that jurisdiction had attached, which conflicts with the process servers documentation.

I am filing this complaint to document FDCPA violations under 1692e and 1692f, including misleading representations and continuing collection activity without valid service. 

I want the CFPB to review and document the violations that have already occurred, including using the wrong address, failed service, and continued litigation activity without jurisdiction. I request that the debt collector be required to respond to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
on XXXX I received an a text alert notifying me that my BofA account password had been changed. I immediately tried to call BofA but could not get to a representative for 1.5 hours. 

During that time to fraudulent travel point redemptions occurred. An air order for XXXX miles and a hotel for XXXX miles. On XXXX I fully explained to BofA that those were not my transactions. 

On XXXX Bank of America adjusted the XXXX back into my account. This indicates they agree it was fraud. 

The hotel charge has not been restored despite numerous phone calls to Bank of America, each with a very long hold time, numerous transfers and dropped calls.

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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Under California Civil Code - CIV 1747.85, when a bank decides to close a credit card account, the bank is required giving a 30-day advanced notice. However, US Bank closed all my credit card accounts without any advanced notice in XX/XX/2025. This is considered illegal. Also, as a result of closing the cards, US Bank also increased the interest rate on the card, and charged me extra interest of {$42.00}. Therefore, this charge is illegal.

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 2025-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was sent a bill in XXXX from Comenity bank and promptly paid off the full amount prior to the payment date. Despite this I was sent another bill in XXXX with a {$2.00} interest charge. Why? When I paid the entire amount.

Company response to consumer: Closed with monetary relief