vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
On XX/XX/year> I sent a letter to Experian requesting for the method of verification after the dispute outcome. However, they have failed to provide this information to me as of date. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes As you know Experian has been known to fail to conduct adequate investigations of disputed information in credit reports. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-08-05 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: MI

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities, and these fraudulent items have hindered my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities, and these fraudulent items have hindered my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

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 2025-08-05 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: CA

Complaint narrative:
I am writing to dispute accounts being reported under my name without my knowledge or authorization. I have never opened or managed these accounts, and their presence on my credit report is both inaccurate and misleading. 

This is a serious issue that has caused me considerable concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The XXXX major credit reporting agencies have a false address on my record. 
There is an address that I have not resided at or used. 
Experian, XXXX  and XXXX  have an business address as my home address, Their reports list XXXX XXXX XXXX as my address. 

XXXX XXXX XXXX is a commercial location. 
I have never been affiliated with this location. 
This is not a clerical error. 
I have never resided, worked or been affiliated with this with this address ever. 

The only address that should be recorded for me is : XXXX XXXX XXXX XXXX, GEORGIA XXXX I am grateful for your assistance with this matter. 
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 2025-08-05 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: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-05 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/25

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
As of my most recent credit report dated XX/XX/year>, the account is being reported as charged off with a past due balance of {$3500.00} However, I am enclosing a letter dated XX/XX/year>, from XXXX XXXX XXXX XXXX ( Reference # XXXX ), the agency representing XXXX  XXXX, confirming that this account has been paid in full, resolved, and closed in their office. 
Based on this documentation, I am requesting the following corrections be made to my credit report : Update the account status to Paid in Full or Closed Paid as Agreed Remove the past due balanceinvestigate Remove any reference to charged off or account charged off

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As of my most recent credit report dated XX/XX/year>, the account is being reported as charged off with a past due balance of {$3500.00} However, I am enclosing a letter dated XX/XX/year>, from XXXX XXXX XXXX XXXX ( Reference # XXXX ), the agency representing XXXX  XXXX, confirming that this account has been paid in full, resolved, and closed in their office. 
Based on this documentation, I am requesting the following corrections be made to my credit report : Update the account status to Paid in Full or Closed Paid as Agreed Remove the past due balanceinvestigate Remove any reference to charged off or account charged off

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 2025-08-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased a Capital One 12 Month CD for {$100000.00} with an APY of 5.00 %. The account was immediately funded from my Capital One savings account. The interest was accrued daily and compounded monthly. All interest remained in the account and I did not make any early withdrawls. I elected to close the account at maturity and have the {$100000.00} balance transfered to my savings account. At maturity on XX/XX/XXXX a balance of {$100000.00} was transfered to savings. After recieving my XXXX statement ( in early XXXX ) I contacted customer service ( around XX/XX/XXXX ) and asked for an explanation regarding the difference between the anticipated balance and the actual balance. The customer service rep opened a service ticket and indicated someone would reach out within 7-15 days. The did not reached out. I followed up on XX/XX/XXXX and they indicated they would " escalate '' the ticket. 

When opening the account online, Capital One has calculator that shows how much interest will be earned based on the amount being deposited, and the various Terms and APY rates being offered at that point in time. The calculator indicated {$5000.00} in earnings for a 12 month CD with {$100000.00} at a 5 % APY at the time I opened the account. 

In addition after opening the account you can manage the account online, including setting the maturity options ( e.g., roll into new CD or close account and transfer back to savings ). The maturity options indicated a " estimated '' balance of {$100000.00} on XX/XX/XXXX ( assuming account was not closed early and that monthly interest remains in account ). I selected to close the account at maturity and transfer back to savings. 

I opend a second Capital One CD on XX/XX/XXXX ( 12 Month, 5 % APY, {$100000.00} ) and it too was short paid at maturity on XX/XX/XXXX ( {$100000.00} vs {$100000.00} ), which indicates this is a pattern and not a one-off issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
Someone used my personal XXXX address to register a Coinbase account without my knowledge or authorization. I was never notified or sent a verification email during the registration process, which is extremely concerning especially since I use two-factor authentication on my email and have strong security settings in place. 

I only found out about this fraudulent account when I tried to register a Coinbase account myself, and the system told me that my email was already in use. I attempted to reset the password, and surprisingly, the reset email did arrive in my inbox confirming that my email was indeed tied to an existing Coinbase account that I never created. 

I contacted Coinbase support multiple times. I followed all of their instructions, including filing a case ( # XXXX ), verifying my email, and even resetting the password of the compromised account. However, Coinbase refuses to take any meaningful action unless I submit identity verification for the account but the account was created using incorrect information, and the country associated with it is not even the country I live in. I should not be required to submit personal documents for a fraudulent account I didnt create. 

Their support system is completely unhelpful. There is no way to reach a live agent. The XXXX XXXX is just an automated loop, the support emails bounce back with a message that no human will reply, and submitting a help ticket requires logging in to the very account I am trying to report as fraudulent a clear conflict and failure in design. 

This situation is unacceptable. It has wasted hours of my time and created serious privacy concerns. I now feel unsafe using my email address on Coinbase or linking any financial information to their platform. 

Coinbases lack of support in resolving a clear case of identity misuse is negligent and concerning. I am filing this complaint so that this incident is formally recorded and to request that appropriate steps be taken to investigate this fraudulent registration and hold the responsible parties accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

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 2025-08-05 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: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXXXXXX XXXX XXXX XXXX Balance Owed : {$960.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX- XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX INQUIRIES XXXX XXXX XXXX  Date : XX/XX/year>

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a cashiers check for {$100000.00} to a client of mine. The client went to her bank to deposit the check ( XXXX XXXX XXXX XXXX ), and their bank held the funds because they felt it was fraud... I know have a letter from XXXX XXXX  saying that the funds have been sent back to Capital One Bank.. 

Capital one Bank will not give me access to the funds, and I don't know why. They have restricted my account and I can no longer deposit or withdraw money. This has been locked since XXXX, 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
Experian is allowing false information to remain on my credit report. Under the law FCRA 506B experian can not post any information on their credit report without my permission.

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 2025-08-05 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: FL

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose.

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus. 

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

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 2025-08-05 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was notified of an erroneous charge on my Target Credit Card for a XXXXXXXX XXXX XXXX  for {$47.00}. I did not make this charge and I called Target customer service immediately. Target Sent a Fraud Questionnaire, which I completed and faxed back to the company. Target acknowledged receipt as of XX/XX/year>. As of this date, XX/XX/year> I have called Target weekly for a resolution. Target has been reporting me as delinquent to the credit bureaus for this charge. I am now and have always to pay in full any and all debts that I incur, however, this charge is fraudulent! XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief