vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: KY

Complaint narrative:
I am submitting this complaint regarding an inaccurate charge-off account that was reinserted onto my credit report without proper verification. The account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$49000.00}, was previously disputed, and I have not authorized this account to be reinserted on my credit report. This action occurred despite my prior dispute and request for proof of the validity of this account. As of the latest report, I noticed that the account was inaccurately listed as a charge-off, and it continues to negatively impact my credit. The reporting of this account is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), which mandates that only verifiable and accurate information be reported. I request that Experian investigate this reinserted charge-off account and take immediate corrective action by removing it 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 2025-04-23 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: OH

Complaint narrative:
I believe that my loan servicer has violated consumer rights and marked my accounts as late. XXXX is reporting my loans XXXX and then XXXX days delinquent for the months of XXXX XXXX XXXX XXXX XXXX However in XXXX XXXX XXXX  my account was marked as on time. This is mathematically impossible. Also, I was not late due to my accounts being in forbearance. At no point in time did I receive a notice per the Higher Education Act informing me that the account was out of forbearance.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : XXXX XXXX ( Equifax ) XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/scrub> 2025, I submitted a dispute concerning negative accounts on my credit report that are impacting my credit scores and require proper validation. It has now been nearly 60 days, and the report still reflects outdated and inaccurate personal information. Due to your non-compliance, I am requesting the immediate removal of these accounts from my credit 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/scrub> 2025, I submitted a dispute concerning negative accounts on my credit report that are impacting my credit scores and require proper validation. It has now been nearly 60 days, and the report still reflects outdated and inaccurate personal information. Due to your non-compliance, I am requesting the immediate removal of these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX  for their failure to remove fraudulent accounts from my credit report as required by law. 

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted an FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements established by the Fair Credit Reporting Act ( FCRA ). 

Despite my initial request to block these fraudulent items, the following account still appears on my credit report : XXXX XXXX Legal Basis : 15 U.S.C. 1681i ( 7 ) Description of Investigation : Under the FCRA, credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumer dispute. To date, I have not received this documentation.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Verification Requirement : By federal law, you must verify all accounts and reported information through physical inspection of the original signed consumer contract. Without this verification, there is a risk that inaccurate or fraudulent data could remain in my file. I am requesting the immediate removal of this unauthorized information.

15 U.S.C. 1681e ( b ) Accuracy Compliance : You are required to follow reasonable procedures to ensure the maximum possible accuracy of information in my credit file. If the information can not be verified, pursuant to 1681i ( a ) ( 5 ), I request that all unverifiable information be deleted.

Failure to Investigate Properly : 15 U.S.C. 1681i : After submitting my dispute, I did not receive a complete investigation within the 30-day timeframe required by law. The results failed to adequately resolve my concerns.

15 U.S.C. 1681c-2 : Credit bureaus are required to block identity theft-related information within four business days of receiving a valid identity theft report.

Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), all unverifiable or inaccurate information must be removed from my report.

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : The bureau has not demonstrated that it followed reasonable procedures to ensure the completeness and accuracy of my file. I request a detailed explanation of the methods used.

This situation has negatively impacted my financial stability and personal life. I am demanding immediate corrective action and the permanent deletion of the fraudulent account listed above. If no resolution is reached within 10 business days, I will proceed with formal action through regulatory and legal channels.

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my car was broken into and my wallet was stolen. I immediately called SOFI bank and cancelled my card, and they mailed me a new card. While I had not received the new debit card, the following charges were made and paid for on my card 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/year>2025, I encountered a serious platform failure on Coinbases futures exchange that caused a stop-loss order to fail completely. I had placed a stop at {$91000.00}, but due to what Coinbase later admitted was a known bug affecting open orders, my position was left exposed, resulting in increasing unrealized losses.

It took over 5 hours of chat support just to get this acknowledgment. I was passed between virtual assistants and human agents, and only after repeatedly pushing back for 3+ hours did a specialist finally admit fault and escalate the case. Instead of resolving the issue, they requested that I reverify my identity by submitting ID photos, even though I was already logged into the account and had a documented, ongoing case. I complied, yet I was forced through the same verification process multiple timesneedlessly delaying any progress.

Once escalation was confirmed, I was told my position would be force-closed at my original stop-loss price of {$91000.00} once the bug was resolvedyet no XXXX was ever given , and no written confirmation was provided. Ive asked multiple times for a timeline or resolution details, and each time Ive been met with either auto-responses, vague reassurances, or silence.

Today, more than 24 hours later, my position is still open and in the red. Im currently still in the chat, now waiting over 3 hours just to escalate the issue again, with no sign of a live agent. I was even logged out of my Coinbase app without warning, and when I tried to log back in on the same device Ive always used, I was told the device wasnt recognized, creating further delays. 

This is more than technical negligence. Its a failure in risk controls, transparency, and consumer protection. I am stuck in a position I wouldve exited had their platform worked properly. Their engineering failure has become my financial liability, and their silence has added to the harm. Worse yet, Ive been unable to enter new trades or take advantage of profitable setups due to being locked in an unresolved position causing ongoing opportunity loss on top of mounting unrealized losses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XX/XX/2023, has violated my rights.

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be 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 2025-04-23 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: CA

Complaint narrative:
XXXX repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OH

Complaint narrative:
I believe that my loan servicer has violated consumer rights and marked my accounts as late. Mohela is reporting my loans XXXX and then XXXX  days delinquent for the months of XXXX XXXX XXXX XXXX XXXX. However in XXXX XXXX XXXX  my account was marked as on time. This is mathematically impossible. Also, I was not late due to my accounts being in forbearance. At no point in time did I receive a notice per the Higher Education Act informing me that the account was out of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX, I called Care Credit XXXX Synchrony Bank ) to pay {$1100.00} via check by phone. I knew I would be using the card on XX/XX/XXXX for a large transaction, which is why I made the payment a week before I needed to use the card. I called Synchrony Bank on XX/XX/XXXX to see why the funds werent released on my card yet and what I needed to do to have the funds released. I was advised that my payment was on hold for 10 days and would be released on XX/XX/XXXX. I asked if I could send my bank statement showing that the payment cleared my account on XX/XX/XXXX or if we could conference in my bank so that verification could be provided that the payment I made had in fact cleared my bank. The supervisor just repeated the same thing, that the funds would be released on XX/XX/XXXX. I let the supervisor know that I was not advised that the payment would be on hold for 10 days when I made the payment. I also asked the original representative on XX/XX/XXXX if I could pay with a debit card, and was advised a check by phone was easier. I asked the supervisor if I had just called and paid {$400.00} daily for 3 days in a row, would there have been a hold placed on the payments and she advised me no, there would be no hold on the funds if I had done it that way. I have been an account holder with Care Credit/Synchrony Bank XXXX XXXX and have never had a late or returned payment. This is unacceptable and horrible for customers that need to use this card for medical expenses that arise. For Synchrony Bank to not even attempt to assist me with this issue is extremely disheartening.

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 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
In XX/XX/year>, we requested for phones for our family, ( which turn out to be a financial nightmare XXXX XXXX  ), however few days after receiving the phone we returned the whole phone because they never meet our expectation, XXXX acknowledged the returns, ( see attached return confirmation letter ) and post return confirmation a refund was issued by XXXX  however few months later despite the fact that we have return their equipment and they XXXX had also issued a refund XXXX XXXX XXXX had noticed that another department from XXXX had continue to charge us monthly services fees. 
in XX/XX/year> We contacted XXXX by phone, asking them to stop charging and debiting our account and we also requested that they refund all the money taken, they agreed to do so in 45 days, but instead of doing that, they continue to charge/debit our account, we called them again and again, nothing happened so we closed the account, upon closing the account they started writing us to pay and told them that what they were doing was fraud, they agreed to close the account and refund all the money they debited which was about {$2000.00} and some fraction. 
But to our surprise the collection letter and phone calls started coming, we simply ignore it thinking that XXXX XXXX XXXX correct it but my surprise I find my XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It XXXX Concern, Subject : Formal Complaint Against Wells Fargo Mishandling of Deceased Account I am writing to formally file a complaint against Wells Fargo regarding the mishandling of my late partner XXXX XXXX XXXX 's bank account and the violation of my rights as the legal executor and trustee of his estate. 

Background : On XX/XX/XXXX, my partner XXXX XXXX XXXX passed away. Prior to his passing, we visited the Wells Fargo branch in XXXX, Washington, to add me to his account. Despite completing all necessary steps, including paying off an outstanding balance, I was denied access to the account after his death. Instead, significant funds were withdrawn without my authorization. 

I submitted a certified death certificate and trust documents naming me as the legal executor and trustee, which were acknowledged by the bank. However, I faced repeated denials of access to the account, while access was granted to XXXX XXXX  based on false claims regarding the existence of a will or trust. 

Violations : XXXX. Breach of Fiduciary Duty : Wells Fargo has failed to acknowledge my legal authority as the executor and trustee, leading to unauthorized access and distribution of estate funds. 
XXXX. Due Process Violations : My rights to access the estate have been denied without justification, violating my due process rights under the XXXX Amendment. 
XXXX. Consumer Protection Violations : I believe Wells Fargo 's actions constitute misleading and unfair practices that violate Washington XXXX consumer protection laws. 

Request for XXXX : I request the following actions be taken : XXXX. A full investigation into Wells Fargo 's handling of XXXX 's account. 
XXXX. A detailed transaction history from XX/XX/XXXX, to the present. 
XXXX. XXXX restitution of all funds in the account at the time of XXXX 's passing and subsequent deposits. 
XXXX. Written clarification of Wells Fargo 's policies regarding trust and estate documentation. 
XXXX. Accountability for the actions of the bank personnel involved in this situation. 

If this matter is not resolved promptly, I will pursue all available legal remedies, including complaints with regulatory agencies and potential litigation. 

Thank you for your attention to this serious matter. I expect a response within XXXX business days from the date this complaint is received. 

Sincerely, XXXX XXXX XXXX Executor and Trustee of the Estate of 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