vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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:
On XX/XX/year>, I submitted an FCRA 605B identity theft block request to Experian, including : A valid FTC Identity Theft Report Government-issued photo ID ( U.S. Passport ) Proof of current address ( utility bill ) A list of fraudulent accounts and details required by law The package was delivered on XX/XX/year>, signed for by XXXX XXXX XXXX USPS Tracking XXXX. XXXX ). Under 15 U.S.C. 1681c-2 ( c ), Experian had four business days to block the information. That deadline expired on XX/XX/year>. 

Instead, Experian improperly rejected my request, demanding additional items not required by the FCRA or FTC guidance, such as my Social Security number, a complete two-year address history, and a drivers license ( despite already providing a passport ). The Social Security Act, 42 U.S.C. 408 ( a ) ( 8 ), prohibits requiring an SSN except where explicitly mandated by law. 

On XX/XX/year>, and again today ( XX/XX/XXXX email attached ), Experian sent essentially the same rejection, claiming they can not validate my request despite having received all information required by law. This is a deliberate delay tactic that converts a valid 605B request into a 611 dispute with a 30-day window, in violation of FCRA 605B, 616, and 617. 

These actions have delayed the removal of fraudulent accounts and caused additional mailing expenses. 

I am requesting : Immediate removal of the fraudulent accounts.

Written confirmation of deletion. 

Reimbursement of {$30.00} for mailing expenses. 

Investigation into Experians improper refusal to comply with 605B deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Valon Technologies, Inc.
State: MO

Complaint narrative:
This is a follow up from my closed complaint. Its still not totally resolved. 

This was my most recent email to Valon Mortgage on XXXX Hello, I understand the error did not come from valon, however I paid money TO Valon that was not accurate so that is what I am requesting back. 

Happy to show you the extent of what we have paid that needs to be reimbursed. I did receive the check for {$1000.00} but that does not cover everything .. snips of my bank transactions from XXXX are below. 

The correct payment as of XX/XX/XXXX should have been {$2300.00} and instead was increased to {$2600.00}. That is $ XXXX too much. I paid 5 months of that incorrect payment so that my credit would not be affected by someone elses mistake. That totals {$1800.00} that I paid out unnecessarily. 

Please remit the following funds of {$750.00} and THEN you can do a brand new escrow analysis and readjust with the correct info. I do know our insurance increased which would cause a change and require more to be held in escrow but this did not happen until XXXX, and I have been dealing with this since XXXX so I am not going to settle for less until I am recovered from the funds I paid out. 

I attached snips of every payment coming out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year>2025 XXXX XXXX XXXXXXXX XXXX XXXXXXXX/2025

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account Truist Bank was closed around XXXX XXXX  and up till now my balance check have not been given to me. It was closed for no reason because i try to make a transfer payment. Have called, spoke to customer service on multiple occasion but all effort didn't yield any positive result. I have about {$40000.00} in my balance approximately.

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 2025-08-12 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: SD

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
This is my FOURTH written attempt demanding the immediate removal of fraudulent tems from my consumer report under FCRA 605B. You have failed to comply with your legal obligation to block this information within 4 business days. 
You are now in WILLFUL NONCOMPLIANCE with the Fair Credit Reporting Act and knowingly causing harm to a consumer.

Despite providing : - A valid FTC Identity Theft Report - A written request for block/removal - Clear documentation of fraud You continue to report the following : ACCOUNTS : DEPTEDXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-08-12 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: GA

Complaint narrative:
I recently took a look at a copy of my credit report and notice I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
In reviewing Spring Oaks Capitals response, they have confirmed the following facts : Account opened : XX/XX/XXXXXXXX  Last payment : XX/XX/XXXX ( {$100.00} ) Account charged off : XX/XX/XXXX They report the open date as XX/XX/XXXX, which is the date they purchased the account. 

Per the Fair Credit Reporting Act ( FCRA ), the Date of First Delinquency ( DOFD ) is defined as the date of the first missed payment that led to the charge-off, not the date the account was sold or purchased by a third party. The XXXX XXXX XXXX XXXX ( XXXX ) guidelines do not override the FCRAs requirements for accurate DOFD reporting. 

By reporting XX/XX/XXXX as the open date instead of the actual DOFD of XX/XX/XXXX, Spring Oaks Capital is effectively re-aging the account. This artificially extends the reporting period by roughly 7 months, keeping the account on my credit report longer than legally permitted. 

I request that the CFPB require Spring Oaks Capital to : 1. Correct the DOFD with all credit reporting agencies to reflect XX/XX/XXXX, with the appropriate fall-off date, or 2. Delete the account entirely if they can not or will not correct the DOFD to the actual delinquency date. 

I have attached their written admission from the CFPB response that states the actual last payment date ( XX/XX/XXXXXXXX  ) and confirms the charge-off date. 

This is a direct FCRA compliance issue, and I request expedited review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/year>, I visited the Wells Fargo XXXX, Idaho branch to close my business checking account to prevent unauthorized withdrawals from a payment processor. XXXX XXXX personally coached me to transfer {$7500.00} from my checking to my business savings so she could complete the closure. She assured me my money was safe and that I would receive a courtesy call the next day. On XX/XX/XXXX, she called, I answered, and she hung up. She never called back. Without my consent or knowledge, she manually closed the account with the {$7500.00} still inside, withdrew the funds, issued a cashiers check, and mailed it to an outdated, vacant address. I was never offered a wire transfer or address verification. On XX/XX/XXXX, I learned of this only when my card was declined at a gas station, and I discovered I had no funds in any account. This caused a {$2500.00} XXXX XXXX chargeback, XXXX revoking my {$20000.00} credit limit, overdrafts, late fees, and serious business and personal hardship. Wells Fargos executive team has confirmed this was manual intervention at branch level, not a system error. Branch Manager XXXX laughed at me when I demanded my funds by XX/XX/XXXX, refused to take responsibility, and told me to wait two more days for a call from corporate.

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 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Coinbase is a predatory & fraudulent company that has repeatedly put " holds '' on my funds, not allowing me access to my account. They are currently not allowing me access to my account and I have about {$1700.00} in XXXX that I need to cash out and transfer to my bank account. I have not even made a transaction on this platform in a MONTH and they are trying to again place a hold on my funds for over week. I spoke to a customer service agent last night who admitted there was no reason there should be a hold on my account and said he was going to expedite my case. That was a lie bc they then closed my ticket. When I called this morning, the agents are now gaslighting me, saying they can't " find '' my account when I provide my name, email and personal information. This is ILLEGAL and this company should not be allowed to operate! Stop holding MY funds and give me access to my account so I can close it!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: VA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 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 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that I am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasize that I have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 2025-08-12 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: OH

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These errors are causing ongoing and significant harm to me during an already challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I did not recieve the correct interest for my savings account. I had a prior case ( XXXX ) related to the same problem of several months not recieving correct interest. Finally after contacting the CFPB due to failed resolution with the bank the problem was corrected. I was informed by the Bank that I would no longer have to contact the bank and that they would post the correct interest automatically ( previous manual ). The interest I should of recieved in XXXX and expected in XXXX should of been based on a interest rate of 2.47 %, instead they only based it on .05 %. I spoke to a teller ( XXXX ) and a supervisor ( XXXX ) at their XXXX XXXX XXXX XXXX XXXX XXXX M & T Bank. ( That branch contact. number is XXXX. Both individuals above stated they could not make that adjustment and I would have to contact other people in their bank. I will attach the statement and the past letter from a case just resolved ( XX/XX/year> ) for the exact same problem. Can you please help me get my interest. The bank should be fined for this violation.

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 2025-08-12 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: GA

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 : ACCOUNTS 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 2025-08-12 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-12 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX  Account 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 2025-08-12 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:
To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, 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 2025-08-12 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX  Account not mine

Company response to consumer: Closed with non-monetary relief