vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: IN

Complaint narrative:
I recently checked my credit report and noticed multiple accounts that are 1 damaging to my character and 2 not mine.

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 2025-07-05 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: IN

Complaint narrative:
I recently checked my credit report and noticed multiple accounts that are 1 damaging to my character and 2 not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Deposited a government check written off a XXXX XXXX XXXX account to my personal Wells Fargo account on XX/XX/year>. I requested a hold explanation at time of deposit. Was told all funds would be released next day. Funds were made available next day on XX/XX/year>. Following XXXX, a 10 day hold was placed on the check for the entire check amount, {$9800.00}. Wells Fargo refuses to owner the original hold or provide even a partial release. XX/XX/year> being a Saturday, XXXX is alleging that no one from corporate is available to verify funds.

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 2025-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XXXX, XXXX, XXXX, XXXX loan was placed in Forebearance, This is a loan that own my home that I have owned over XXXX yrs. plus the fact my husband died in this home XXXX XXXX. 
Wells Fargo never notified me and my home was foreclosed on.

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 2025-07-05 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I try to dispute account on my credit report and XXXX XXXX XXXX  and XXXX  failed to comply with consumer law i have provided a police report and a ftc report showing i am a victim of fraud and they still verify information as accurate i have never open a navy federal account i have never been in the navy this account was opened without my consent i did not authorize and I would like it to be removed from my credit record immediately Failed to remove result in legal action under consumer law i am a victim of the XXXX  and XXXX  data breach my information was 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 2025-07-05 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
company sent nothing after numerous attempts to get more information about the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
My ex boyfriend used my name to apply for several accounts and then literally left me high and dry. I can not locate or find him, he just ghosted me. I didn't open these accounts. I would like this to be taken off my credit because its not my account.

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 2025-07-05 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I purchased a {$1800.00} LED medicine cabinet with XXXX from Wayfair using the Wayfair Credit Card ( issued by Citibank ) on XX/XX/XXXX. It was professionally installed on XX/XX/XXXX. By XXXX, the integrated lighting failed. A licensed electrician returned on XX/XX/XXXX, and diagnosed a sealed internal wiring defect. I reported the issue to Wayfair the same day, submitted photos, receipts, and a technician report, and followed up repeatedly. 

Wayfair failed to provide a replacement or refund despite multiple requests. I filed a formal dispute with Citibank on XX/XX/XXXX, and then resubmitted all documentation on XX/XX/XXXX, after being asked for more information. As of today ( XX/XX/XXXXXXXX  ), the issue remains unresolved. 

While waiting, I was forced to buy and install a temporary light fixture because the defective cabinet is still hardwired into the wall, and I must keep the switch off. Ive incurred expenses for installation, diagnosis, and additional lighting, and I am still paying for a product that does not function. 

Wayfair also suppressed my negative reviewdespite my attempt to post a 1-star rating, the lowest visible review remains 4 stars. This influenced my original decision to buy the item and raises concerns about deceptive review practices.

I am requesting a full charge reversal due to merchant non-performance.

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 monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/year> TransUnion Customer Relations. 
XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA and Consumer Law To Whom It May Concern, I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised concerns regarding TransUnion s failure to conduct proper investigations. A CFPB lawsuit alleges that XXXX XXXX XXXX  engaged in inadequate investigations, violating consumer protection laws and failing to meet its obligations under the FCRA.

As outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. Failure to comply constitutes a violation of federal law.

I request that TransUnion : 1. Conduct a thorough reinvestigation of the following disputed accounts : o XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) o XXXX XXXX XXXX IN ( Account XXXX XXXX XXXX ) o XXXX XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) o XXXX XXXX Account XXXX XXXX XXXXXXXX ) o XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX o XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX o XXXXXXXX XXXX  ( Account XXXX XXXX XXXX ) o XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) 2. Remove all " NON-MAIL-ABLE '' addresses and ensure that only one correct address is listed to maintain accuracy.

3. Provide me with all documentation used to verify the accuracy of the disputed information.

4. Correct or delete any information that can not be verified or is inaccurate, as required by law.

If TransUnion fails to comply, I will escalate this matter by filing a CFPB complaint regarding improper investigations, as previously cited in legal action against TransUnion.

I have enclosed a copy of my identification and relevant supporting documents to facilitate your investigation. Please respond in writing within the legally mandated timeframe and provide written confirmation of any changes made to my credit file. 
Sincerely, 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 2025-07-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute a number of unauthorized or unverified credit inquiries that have appeared on my credit report with Experian. 
These inquiries were not initiated or authorized by me, and they are affecting my creditworthiness and overall credit score. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to remove or fully investigate any disputed inquiries within the time allotted by law. 

The following inquiries are being disputed : - 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 - XXXX XXXX - XX/XX/XXXX Please initiate an investigation into these inquiries. If they can not be verified as authorized, I request that they be removed from my credit report immediately. 
In addition, please provide written confirmation of your investigation results and any actions taken. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
To Whom It May Concern, I am submitting this complaint and supporting evidence concerning the XXXX XXXX charge-off account ( ending in 6059 ), which has been improperly reinserted on my credit reports by Experian, Equifax, and TransUnion.

This account was previously removed after I submitted a valid FTC Identity Theft Report. However, it has since reappeared without the legally required 5-day written notice or certification, in violation of FCRA 1681i ( a ) ( 5 ) ( B ). Additionally, this account exhibits numerous Metro 2 data reporting violations and is tied to a confirmed data breach of my personal information.

The following are the legal grounds supporting permanent deletion : 1. FCRA 605B Identity Theft Protections : - My personal data was compromised in a known breach ( verified via XXXX ). 
- This supports my claim that the XXXX account may be the result of identity misuse or synthetic reporting. 
- Attached is a screenshot showing my breach exposure. 

2. FCRA 1681i ( a ) ( 5 ) ( B ) Illegal Reinsertion : - The account was reinserted by Experian and others without written notice. 
- No certification of accuracy from XXXXXXXX XXXX was provided. 

3. Metro 2 Compliance Violations : - Improper monthly CO updates continue post-charge-off, violating Metro 2 suppression rules.

- Missing or invalid Date of First Delinquency ( DOFD ), preventing proper 7-year aging. 
- No consistent Date Closed reported on Equifax. 
- Remarks such as Consumer disputes after resolution are inconsistent with continued derogatory updates. 
- TransUnion shows extensive X ( unknown ) status codes, indicating Metro 2 format issues.

Attachments : - FTC Identity Theft Report ( submitted separately ) - Screenshot of data breach exposure from HaveIBeenPwned.com - Full credit report entries showing reinserted tradeline and violations - Detailed Metro 2 violation summary

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 2025-07-05 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: PA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint and supporting evidence concerning the XXXX XXXX charge-off account ( ending in 6059 ), which has been improperly reinserted on my credit reports by Experian, Equifax, and TransUnion.

This account was previously removed after I submitted a valid FTC Identity Theft Report. However, it has since reappeared without the legally required 5-day written notice or certification, in violation of FCRA 1681i ( a ) ( 5 ) ( B ). Additionally, this account exhibits numerous Metro 2 data reporting violations and is tied to a confirmed data breach of my personal information.

The following are the legal grounds supporting permanent deletion : 1. FCRA 605B Identity Theft Protections : - My personal data was compromised in a known breach ( verified via XXXX ). 
- This supports my claim that the XXXX account may be the result of identity misuse or synthetic reporting. 
- Attached is a screenshot showing my breach exposure. 

2. FCRA 1681i ( a ) ( 5 ) ( B ) Illegal Reinsertion : - The account was reinserted by Experian and others without written notice. 
- No certification of accuracy from XXXXXXXX XXXX was provided. 

3. Metro 2 Compliance Violations : - Improper monthly CO updates continue post-charge-off, violating Metro 2 suppression rules.

- Missing or invalid Date of First Delinquency ( DOFD ), preventing proper 7-year aging. 
- No consistent Date Closed reported on Equifax. 
- Remarks such as Consumer disputes after resolution are inconsistent with continued derogatory updates. 
- TransUnion shows extensive X ( unknown ) status codes, indicating Metro 2 format issues.

Attachments : - FTC Identity Theft Report ( submitted separately ) - Screenshot of data breach exposure from HaveIBeenPwned.com - Full credit report entries showing reinserted tradeline and violations - Detailed Metro 2 violation summary

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 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Ive been refunded by the merchant for multiple transactions on my Coinbase card account which I dont have access to anymore since my disputes were open and Coinbase decided to close my card account and restrict my Coinbase account. Theres overwhelming evidence from Coinbase card support including XXXX of emails from them showing every single transaction was refunded by merchant, as well as a multitude of phone conversations where they also confirmed the transactions have also been refunded by merchant. Ultimately Coinbase card support said it will be posted to my Coinbase account which I contacted Coinbase about with whom at first also confirmed the refunds but havent given any clarity and keep making false promises regarding applying the refunds to my account. Ive been given assurances from Coinbase on when they will apply to my account with no success and just empty promises to this day no funds have been applied as they should have. 

On XX/XX/year> chat agent XXXX wrote to response of when my refunds would post in my Coinbase account : Within XXXX business days. 

On XX/XX/year> Coinbase support agent XXXX XXXX via chat wrote : If you don't see the refund on XX/XX/year>. 
Kindly, reach out to us and ask the agent to reach out to our specialist team for them to process at that time just to give them the same case number On XX/XX/year> chat agent XXXX wrote : Kindly allow an additional XXXX business days for the funds to reflect. If they still don't appear, please reach out to us again and provide the case number XXXX for more efficient assistance. 

On XX/XX/year> chat agent XXXX wrote : Thank you for letting me know. Even though the refund has already been processed, you can still not receive these charges as your Coinbase card has been blocked permanently. 
Additionally, I regret to inform you that you're no longer eligible to utilize the Coinbase platform for purchasing cryptocurrency, using our deposit services, or linking payment methods after reviewing your account against our terms of service. 

On XX/XX/year> chat agent XXXX wrote : I want to assure you that you'll definitely receive the refund once our team has finished reviewing your account. 

On XX/XX/year> chat agent XXXX wrote : Please do not worry, your refunds will be processed for sure. I have attached the previous case with the current case so that the team will have a complete update on it with the new case ID [ XXXX ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  was charged off on the following date ( XX/XX/XXXX   ). Following that date it was updated again as charged off. This is an update in the payment history. A charged off account should NOT include an active payment history. This is inaccurate information that falsely manipulated the statute of limitations. You failed to investigate this account thoroughly and properly and your neglect is in violation of my rights. I am requesting deletion of the following account. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX 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