vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-07-21 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: MI

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-07-21 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:
The accounts in question are not mine and were opened fraudulently ; I request they be removed within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal has been allowing clients to file disputes on trips they did partake in, received as described and despite the mountains of proof that we have provided, they ALWAYS find in the favor of the client who is scamming. We have had money taken out of our balance as well as raked up thousands in disputes for trips that clients absolutely have gone on and received all items listed on our itinerary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> Wells Fargo accounts was compromised. XXXX was removed from our account. We received text notification someone was attempting to use card for XXXX out of XXXX XXXX texas and we are in california. 

XXXX from. Wells fargo called us from this number XXXX when XXXX  the number it showed Wells Fargo as the number calling. 

XXXX claimed account was being comprised and would need to lose those accounts and reopen new accounts. He took XXXX put on XXXX XXXX to a XXXX XXXX 

We immediately went to the bank they showed the pending charges and said they could not reverse them but to file a claim and a complaint. 

On XX/XX/XXXX we showed in online app the account was closed for non fraud. This was absolutely fraud. We reopened the claim and they did not follow through ( Wells fargo )

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 2025-07-21 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:
Seeing a late payment on my report is upsetting, as Ive been punctual with all dues. Kindly address th

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I received an offer for the Robinhood Gold Card and was approved, but I never activated or used the card. Despite this, I recently discovered a {$50.00} fee charged to the account, followed by a {$25.00} late fee, bringing the total to {$75.00}. 

I did not authorize or expect any charges, especially since the card was never activated. I believe this is misleading and potentially in violation of the XXXX XXXX, which generally prohibits fees before activation unless explicitly agreed upon. 

I contacted Robinhood requesting the removal of the fees, explaining that the card was unused and unactivated. As of now, the charges remain, and I feel this situation is unfair and potentially abusive. 

I am asking for all charges to be reversed and for my account to be cleared of any negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
An account has been reported under my name that I did not open or authorize. This reporting is inaccurate and reflects a serious breach of my personal financial integrity.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
From XX/XX/year>, to XX/XX/year>, I received XXXX fraudulently opened XXXX XXXX XXXX which are issued by The Bank XXXX Missouri and serviced by Continental Finance Company LLC to our home address. I made several attempts to contact XXXX and Continental Finance Company LLC in order to report the fraudulent cards being issued to our address. The customer service representatives would continuously transfer me to various departments non of which would assist me or confirm that my address was removed to help prevent future scammers from using my address to open new accounts. I reported the names and account numbers which were already opened ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). The customer service department stated they would contact the customer and ask they update their account address. I request the accounts to our address be terminated and closed. 

The cards are issued by XXXX, who i also contacted to report the fraudulently opened account, and they referred me to The Bank of Missouri. Neither XXXX, XXXX, or Continental Finance Company LLC seemed at all interested in closing the accounts, reporting the fraud, or providing any future protections against this continuing to happen.

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 2025-07-21 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: NY

Complaint narrative:
Upon a detailed review of my credit history, I have identified a number of hard inquiries that I did not authorize. I have not recently applied for any financial products or services that would justify these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On or about XX/XX/year>, I deposited a significant sum of funds into my checking account. Shortly thereafter, on or about XX/XX/year>, my entire account balance was frozen/placed on an extended hold by the bank, preventing me from accessing any of the deposited funds. 

Despite numerous attempts to resolve this directly, the bank has failed to provide a clear, consistent, or lawful explanation for this action. Communications have involved vague accusations related to 'fraudulent activity ' or issues with the source of funds, but no specific evidence or actionable path to resolution has been provided. I have consistently affirmed the legitimacy of these funds. 

This unjustified and ongoing withholding of my funds has led to severe financial hardship. I have accrued {$900.00} in rent arrears and am unable to pay my current monthly rent of {$2000.00}, placing me at imminent risk of eviction. Furthermore, I have incurred XXXX late payments on a credit card account, severely impacting my credit standing ( previously a XXXX XXXX XXXX ) and resulting in late fees. I am also unable to meet other essential debt obligations. 

I am a responsible consumer who has recently secured full-time employment and is pursuing a XXXX XXXX XXXX. My financial difficulties are a direct consequence of this bank 's actions in freezing my legitimate funds. 

I seek the immediate release of my funds and a thorough investigation into the bank 's conduct, which has caused significant and ongoing financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-21 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: CA

Complaint narrative:
These accounts were not created by me and were unknown to me. I ask that you remove them from my credit report within 15 days under USC 1681g.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
I reported fraud on debit card to First United Bank and XXXX XXXX XXXX, Tx. There were XXXX transactions of which XXXX were approved, XXXX for XXXX and XXXX for XXXX on XX/XX/XXXX around XXXX. I used a XXXXXXXX XXXX pump around XXXX that same afternoon. The only time I used my card that day. I filed a police report on the XXXX and notified the back the following morning. I had told the bank that I had given my info to a friend to pay a bill but I actually gave her my credit card, not debit but they say I'm just changing my story. I can show the charge on my credit card. I've banked with this bank for over 20 years but I'm definitely changing banks after this. I need a bank that respects it's long term customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit score recently dropped nearly XXXX points after a XXXX delinquency was reported on my student loans. The missed payment occurred because my parents, who have consistently paid my loans for years per an agreement we made, forgot to make a payment. I was unaware the account was past due until it was too late to correct it. 

Although the loans are in my name, my parents agreed to pay them when I was a XXXX  in XXXX. I originally took out less than {$2000.00} in loans to fund XXXX XXXX XXXX XXXX XXXX, but my parents later allowed the loans to be applied toward tuition, assuring me they would take full responsibility for repayment. I covered the portion I owed between XX/XX/XXXX and XX/XX/XXXX, during which youll see several payments from my own account. 

In early XXXX, my parents ceased making payments without telling me. As soon as I became aware of the delinquency, I asked them to catch up, and they did. A {$310.00} payment is currently being processed, and the account is no longer delinquent. 

Until now, my XXXX XXXX had never dropped below XXXX. I have never missed a credit card payment and carry no debt aside from these student loans. The delinquency on my report is the result of a mistake outside of my control, and it does not reflect my financial habits or level of responsibility. I am XXXX and working to buy my first home, and this single error has dramatically harmed my ability to qualify for a favorable mortgage rate. 

I am respectfully requesting that the delinquency be removed from my credit report. This situation was caused by an unfortunate miscommunication within my family, not by neglect or irresponsibility on my part. I hope youll consider this explanation in your review.

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
On my credit report Credit Systems INT INC are stating that they are the Original Creditor concerning an account that I allegedly have with them. I never authorized CREDIT SYSTEMS INT INC, verbally or written, to open an account with me. The balance on the account is {$600.00}, allegedly opened on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: KY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-21 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:
I am disputing an account currently showing on my credit report that I have no affiliation with. I have not opened or used this account, and it was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting an immediate correction to my credit report due to an inaccurately reported late payment. Based on my records, I have made all payments in a timely and consistent manner, and there appears to be no justifiable basis for this negative mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately.

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place. 

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

Company response to consumer: Closed with explanation