vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: AR

Complaint narrative:
I am writing to formally notify you that I have filed a complaint with the CFPB requesting that, under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), [ Credit Bureau ] block the fraudulent accounts listed below from my credit report. These accounts were created fraudulently as a result of identity theft. Per legal requirements, this action must be completed within four ( 4 ) business days of receiving this notice. 

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX balance {$1000.00} date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX balance {$520.00} date opened XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX balance {$2200.00} date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX balance {$1000.00} date opened XX/XX/XXXX. 
XXXX XXXX XXXX XXXXK XXXX XXXX balance {$100.00} date opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX balance {$430.00} date opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX balance {$160.00} date opened XX/XX/XXXX These fraudulent accounts have caused inaccurate charge-offs, late payments, and collections to appear on my credit report. I did not authorize or open these accounts and do not recognize them as legitimate. 
Attached to this letter is a copy of the FTC Identity Theft Criminal Complaint to support my claim. Under the provisions of the FCRA and FDCPA, I demand the immediate removal of these fraudulent items from my credit file and the cessation of all associated collection activities. 
It is a violation of federal law to report unverifiable information. I request documented proof of my liability for these accounts, as outlined in 15 U.S.C. 1692g. Furthermore, the unauthorized use of my personal information violates 15 U.S.C. 1681b. These actions have caused me significant emotional distress. 
If you are unable to provide valid documentation, you are legally required to block and remove these accounts from my credit report. Failure to comply will result in additional violations of the FCRA and FDCPA. 

Action Requested : 1. Remove and block all disputed accounts from my credit report within four ( 4 ) business days of the date of this letter, XX/XX/XXXX. 
2. Provide written confirmation of these actions within seven ( 7 ) business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: AR

Complaint narrative:
I am writing to formally notify you that I have filed a complaint with the CFPB requesting that, under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), [ Credit Bureau ] block the fraudulent accounts listed below from my credit report. These accounts were created fraudulently as a result of identity theft. Per legal requirements, this action must be completed within four ( 4 ) business days of receiving this notice. 

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX balance {$1000.00} date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX balance {$520.00} date opened XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX balance {$2200.00} date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX balance {$1000.00} date opened XX/XX/XXXX. 
XXXX XXXX XXXX XXXXK XXXX XXXX balance {$100.00} date opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX balance {$430.00} date opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX balance {$160.00} date opened XX/XX/XXXX These fraudulent accounts have caused inaccurate charge-offs, late payments, and collections to appear on my credit report. I did not authorize or open these accounts and do not recognize them as legitimate. 
Attached to this letter is a copy of the FTC Identity Theft Criminal Complaint to support my claim. Under the provisions of the FCRA and FDCPA, I demand the immediate removal of these fraudulent items from my credit file and the cessation of all associated collection activities. 
It is a violation of federal law to report unverifiable information. I request documented proof of my liability for these accounts, as outlined in 15 U.S.C. 1692g. Furthermore, the unauthorized use of my personal information violates 15 U.S.C. 1681b. These actions have caused me significant emotional distress. 
If you are unable to provide valid documentation, you are legally required to block and remove these accounts from my credit report. Failure to comply will result in additional violations of the FCRA and FDCPA. 

Action Requested : 1. Remove and block all disputed accounts from my credit report within four ( 4 ) business days of the date of this letter, XX/XX/XXXX. 
2. Provide written confirmation of these actions within seven ( 7 ) business days.

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I attempted to open a checking account, but the institution was unable to complete the process and could not provide a clear explanation. I visited a branch and also contacted customer service by phone. Each representative I spoke with simply stated that they could not proceed with my application, without offering any reason or next steps. 

Despite submitting all required documentation, I was given no details or guidance on how to resolve the issue. This situation has occurred multiple times over the past few months. 

I am currently XXXX and a single parent. Being denied access to a basic checking account is seriously impacting my financial stability and my ability to manage everyday responsibilities. I am concerned that incorrect or outdated third-party information may be affecting my application without my knowledge. 

I am requesting an investigation and assistance in understanding and resolving this issue.

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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I wire transferred from XXXX XXXX XXXX  {$1000.00} / along with service fee of {$40.00} to XXXX XXXX XXXX XXXX, USA on XXXX to be delivered to Coinbase to activate my account as directed by XXXX XXXX XXXX XXXX for trading. I do not know where that money is. I do not see that with Coinbase either. Because of confusion I do not want any trading and need refund of $ XXXX. I am senior Citizen.. Appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 consist of a private student loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number XXXX. This account have resulted in a fraudulent hard inquiry and fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account, collection, or hard inquiry as reported. The aforementioned account, collection, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, collection, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, and hard inquiry are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> XXXX XXXX  pulled my credit without my authorization. I found out when my credit union sent me an email telling me a financial institution had pulled my credit. The company that pulled my credit was listed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding two authorized payments I made through Cash App from my checking account ending in XXXX. Although I authorized these transactions under the belief I was purchasing legitimate goods or services, I never received anything in return, and both individuals ceased communication after receiving the money. 

The payments were as follows : {$700.00} sent to XXXX XXXX on XX/XX/year> ( with a heart XXXX  reply, no further contact ) {$400.00} sent to XXXX XXXX on XX/XX/year> These transactions were part of a scam. I believed I was paying trustworthy sellers, but they defrauded me by failing to deliver the promised goods and refusing to issue a refund. 

To support my claim, I filed a police report with the XXXX XXXX Sheriffs Office, Case # XXXX, documenting that I was the victim of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the collection account ( s ) listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent.

I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
so one used my personal Information to apply credit card and open it up for XXXX credit limit and I did not authorize any one to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have tried to close my Chase business account multiple times over the past few months. Most recently, I called on XX/XX/year>, to request account closure. Prior to that, I also sent letters in XXXX and XX/XX/year> requesting closure. 

Despite these multiple requests, Chase has ignored me and kept my account open. I have had an extremely negative experience with Chase overall, including frozen funds, mishandled disputes, and poor treatment as a business customer. 

It has now been over a month since my last formal closure request on XX/XX/year>, and my account remains open. I feel completely ignored and mistreated, and I no longer wish to have any relationship with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
XX/XX/year> Subject : Keep reporting my loan late. 

LOAN : XXXX Dear President/CEO XXXX XXXX I would like to lodge a formal complaint against XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Georgia, XXXX. It is my second time filing a complaint against this bank and I have tried to get an explanation why it keeps happening. You all have not done anything to resolve the issue. NOTHING! As a XXXX Veteran who has serviced this country with honor, I recently had an XXXX XXXXXXXX and getting around with with a XXXX. I do not deserve this mistreatment. This bank constantly reports inaccuracies to all the three major credit bureaus against me. I have late fees on my on my loan showing they are charging me late fees I did not accrue. 
This is so egregious, heartless, and very unprofessional. I am reaching out to the consumer financial protection bureau, Office of the Comptroller of the Currency, and FDIC to file a complaint. This is fruitless since XXXXXXXX XXXX do not make their members a priority which is extremely forlorn and devious. 

I discovered in early XXXX this devilish mistake is showing late on my credit report. I informed them throughout this process. It happened one time before. Sadly, this entire fluke has cause me to get behind on my loan and has corrupt my credit profile, and I can not get a V. A. Mortgage. I immediately contacted a loan officer at XXXXXXXX XXXX  to let them know that their products are unbecoming, unfair, and had not been delivered as advertised. 

My account has gone over thirty days more than once. It has been a problem with my loan since that disgraced loan office XXXX XXXX manipulated my paperwork. I wanted a XXXX policy on my loan, and he did not include it in my loan paperwork. This is incredibly sad! 
I look forward to your response and a resolution to this matter. 

Although I sent several messages to them, I have not received a satisfactory response. I have received neither a comprehensive response nor a sufficient a rebuttal to this problem. Now, due to the time and effort I have spent I am looking for both a correction and an apology, which I know I will not get from them. XXXXXXXX XXXX will not end this senseless mistake. 

I have kept all correspondences I have had with their Representatives. I look forward to the bank response. 

Thank you. Please contact me if you have any questions. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-07-13 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: MI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-07-13 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: MI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to pursuant 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 


I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. 

To remove negative remarks : According to 15 USC 1692 c you have violated my rights by in lawful communications please remove this collection off of my report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your intervention regarding improper credit reporting related to a vehicle lease I legally terminated through Honda Financial Services under the Servicemembers Civil Relief Act ( SCRA ), codified at 50 U.S.C. 3955. 

As an XXXX XXXXXXXX XXXX XXXX XXXXXXXX for a qualifying period of over 180 days, I invoked my right to terminate my motor vehicle lease pursuant to SCRA. In compliance with 50 U.S.C. 3955 ( a ) ( 1 ) ( B ), I submitted my military orders and returned the leased vehicle as required by law. 

Despite this lawful termination, Honda Financial Services has continued to report the lease beyond the return date and appears to have submitted derogatory or misleading information to the credit reporting agenciesXXXX XXXX, and XXXX. This reporting is improper and potentially in violation of both the SCRA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which prohibits the inclusion of inaccurate or incomplete information on a consumers credit file. 

Importantly, I have made multiple good-faith efforts to resolve this issue directly with Honda Financial Services , requesting that they end any reporting associated with the lease after the date of vehicle turn-in and remove any negative notations from my credit report. These efforts have been unsuccessful, and no corrective action has been taken to date. 

Under 50 U.S.C. 3955 ( e ), no lease terminated in accordance with the SCRA may be treated as a breach of contract or subject to penalty. Additionally, under 50 U.S.C. 3953 ( d ), credit reporting actions based on legal SCRA-protected conduct are prohibited. The continuation of reporting past the lawful termination dateparticularly if negative in natureviolates these protections and threatens to undermine my financial stability and access to credit while serving on XXXX XXXX. 

I am therefore requesting that the CFPB : Investigate Honda Financial Services reporting conduct in this matter ; Direct Honda Financial Services and all three credit bureausXXXX XXXX, and XXXX immediately cease all reporting related to the terminated lease beyond the vehicle turn-in date ; Ensure the removal of any adverse or misleading notations, including references to default, delinquency, or early termination that resulted from the lawful exercise of my SCRA rights ; Confirm that no improper tax forms ( e.g., IRS Form 1099-C ) were or will be issued in connection with this terminated lease in potential violation of IRC 6050J.

Enclosed are supporting documents, including XXXX XXXX XXXX  and lease termination submission, verifying my eligibility and full compliance with the SCRA. 

Thank you for your support of servicemembers and your attention to this important matter. I am available to provide any further documentation or information as needed.

Company response to consumer: Closed with explanation