vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
Dear CFPB Officer, I am requesting the removal of outdated, inactive, and potentially fraudulent accounts from my Experian credit report. These items continue to impact my score despite being closed, charged off, or resolved. 

Inactive/Negative Items : 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 XXXXXX/XX/XXXX Status : Charged Off These accounts should either be removed due to age or identity theft-related errors. 

Legal Justification : 15 U.S.C. 1681c prohibits outdated negative entries beyond the statute of limitations.

15 U.S.C. 1681c-2 protects consumers from identity theft entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
INACURRATE, UNVERIFIED, OUTDATED, DUPLICATED, AND INCOMPLETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/2024 XXXX XXXX XXXXXXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXX/XX/2024 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
I am writing to formally file a complaint and request immediate action regarding an issue with Private Mortgage Insurance ( PMI ) charges applied to my mortgage account. 

In XX/XX/XXXX, I submitted a request for PMI removal based on the substantial increase in the value of my condo. At that time, I had completed a full renovationgutting and upgrading the entire unitwhich significantly elevated the property 's market value. I provided the necessary documentation and expected the PMI to be permanently removed, as the mortgage balance no longer warranted this insurance. This was removed at that time. 

To my shock, I recently ( XX/XX/XXXX ) discovered that PMI was reinstated without any notification. I have been unknowingly paying this charge for an unknown length of time. This action was taken without any communication, justification, or proper reassessment of the propertys current value, which is unacceptable and potentially unlawful. 

I am demanding the following : A full refund of all PMI charges that have been billed to my account since XX/XX/XXXX. 
A written explanation detailing when and why the PMI was reinstated.

Documentation showing all PMI-related charges, including the specific months they were applied.

Confirmation that PMI has been permanently removed moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am writing to formally file a complaint against Comenity Bank/Bread Financial regarding the abrupt and unjustified closure of my credit card account, which I have responsibly maintained for over 10 years.

Recently, I made a substantial payment of approximately {$12000.00} to bring my account balance to XXXX. I did this in good faith, with the intention of continuing to use and maintain the account as I have for more than a decade. Shortly after completing this payment, I was notified that my account had been closed by the issuer without warning or clear explanation. After paying off the account in XXXX, members from the Hardship department kept telling me the account will be active the following months ( XXXX, then XXXX, then XXXX ). 

This action has not only caused me significant frustration but may also negatively impact my credit profile due to the reduced available credit and the loss of a long-standing account history. I believe this decision was made in bad faith, especially considering the large payment I had just made and my longstanding relationship with the institution. 

I am requesting that the CFPB investigate this matter and determine whether XXXX XXXX Comenity Bank 's actions constitute an unfair or retaliatory practice. I would appreciate guidance on what steps I can take to dispute this closure and ensure my rights as a consumer are protected. 

Please find enclosed/attached any relevant documentation, including my payment confirmation and correspondence from the credit card company. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
i asked equifax and transunion to validate the questioned accts to no avail. only XXXX  has removed these items as they do not belong to me and can not in fact be validated. transunion and equifax keeps saying these accts were verified but never validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: WA

Complaint narrative:
Zion Debt holding is reporting a collection account for XXXX XXXX XXXX. I was made aware of this ID theft account by their reporting to my credit. I filed the report, reached out to the collection agency and attached was the conversation we had. I reached out to the original creditor who says they do not have an account with a balance, and they don't know who Zion Debt holdings is. They provided me a screenshot of the account they had ( not mine ) at a XXXX balance, which I provided to Zion debt holdings. They continue to say the debt is mine but have not provided any documentation proving such. XXXX says they use XXXX XXXX as a collection agency and XXXX states they have no account for me under XXXX and don't know Zion debt holdings is. I do not know who this creditor is, but they are committing fraud and need to be investigated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding fraudulent accounts and inquiries that have been reported in my ChexSystems file. These accounts and inquiries were opened and made without my knowledge, consent, or authorization and are a direct result of identity theft.

I am a victim of identity theft and possibly a data breach, and my sensitive personal information has been compromised. Under the * * Fair Credit Reporting Act ( FCRA ) * *, I am exercising my right to dispute inaccurate and fraudulent information that has been reported about me.

I am demanding that ChexSystems and the financial institutions involved : 1. * * Immediately block and remove * * the fraudulent accounts and inquiries listed in my file, in accordance with * * FCRA 605B \ [ 15 U.S.C. 1681c-2 ] * *, which requires consumer reporting agencies to block identity theft-related information within four business days of receiving appropriate proof.

2. Cease the reporting and sharing of this fraudulent information with any third parties.

3. Provide a written confirmation that the disputed accounts and inquiries have been removed.

I have attached my FTC Identity Theft Report, a copy of my ID, and any relevant supporting documentation to verify my identity and confirm the nature of my dispute.

The continued reporting of these fraudulent accounts and inquiries is causing undue harm to my financial standing and violates my rights under federal law. Please take swift action to investigate and resolve this matter. I expect a written response from both ChexSystems and the CFPB confirming the outcome of your investigation.

Sincerely, 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had several accounts with Wells Fargo who always offer me credit cards, being with them for years I went and applied for a card yesterday XXXX XXXXXXXX, with my sons name also. I have XXXX accounts, I was denied so I asked to speak with the underwriter.I was told the underwriter does not talk on the phone. They can always adjust the amount, so many things can be done, I would appreciate a call from the underwriter.I thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Im filing this complaint against Coinbase due to their ongoing failure to transfer my account balance despite my full cooperation with all requested verification steps.

I originally lost access to an old Coinbase account, which contained a balance. After reaching out, Coinbase instructed me to create a new account and complete identity verification. I followed all instructions, including : Submitting my ID and completing the face match Uploading a copy of a check and a full bank statement for the original linked bank account ( now closed ) Confirming the closure of an unused extra account Agreeing to forfeit the balance of the extra account to proceed Repeating these steps multiple times when they deleted my newly created account without warning After confirming I was verified and that my case had been escalated, Coinbase repeatedly looped me back to the start asking for the same information I had already provided and reinitiating the same failed verification flow. My most recent attempt to open a new account was again deleted automatically as soon as I completed the phone number step, despite using a never-before-used email.

Coinbase support has been contradictory and uncoordinated. Ive waited over 8 years for access to these funds, and Ive now complied with their recovery instructions twice. At this point, Ive provided everything requested and still have no resolution or access to my balance.

I am asking for Coinbase to manually verify my identity based on the information Ive already submitted and transfer my remaining balance to the new account, as previously promised. Im requesting an immediate resolution without further looping through broken verification steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
Harris and Harris # XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/year>. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete this account # XXXX XXXX XXXX XXXX XXXX as soon as possible from my report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I am requesting the immediate and permanent deletion of the following fraudulent account and all related inquiries from my credit report due to identity theft : XXXX Account # : XXXX This account was not authorized by me and was opened without my knowledge or consent. I have submitted the necessary documentation, including : FTC Identity Theft Report Government-issued photo ID Proof of address Social Security card Under 15 USC 1681c2, you are required to block fraudulent information within 4 business days of receiving a valid identity theft report. I request : Deletion of the fraudulent account and associated inquiries Written confirmation that these items have been removed An updated and corrected copy of my credit report within 15 business days Failure to comply will result in additional complaints filed with the CFPB, FTC, XXXX, and both state and federal regulatory agencies. I will also consider pursuing legal action for damages under applicable federal statutes.

I am seeking nothing more than a fair and lawful resolution to protect my credit profile and identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting the immediate deletion and permanent blocking of the following fraudulent accounts and unauthorized inquiry from my credit file : Fraudulent Inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> Fraudulent Accounts : XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These items were not authorized by me and are the result of identity theft. In accordance with 15 USC 1681c2, I have submitted all required documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and Social Security card . 

To resolve this issue fairly and lawfully, I am requesting : Immediate deletion of the listed fraudulent accounts and inquiry A written confirmation of deletion A copy of my updated credit report reflecting the removal of these items within XXXX business days If these items are not removed as required by law, I will escalate the matter to the CFPB, FTC, XXXX, and appropriate State Attorney General Offices, and will consider pursuing legal action to recover damages caused by the ongoing violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number * * UPDATE THIS * * *. Please block and remove all information from my credit report, and send me an updated copy of my credit report.

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief