vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information 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 NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2025, Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
The vendor over charged me by {$700.00} and WF closed the claim granting the vendor the incorrect amount

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 2025-08-04 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-08-04 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: GA

Complaint narrative:
Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PAST DUE AMOUNT IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION, HISTORICAL ACCOUNT INFORMATION Trade : XXXX XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PAST DUE AMOUNT IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CREDIT LIMIT, ACTUAL PAYMENT, SCHEDULED PAYMENT, ADDITIONAL INFORMATION, HISTORICAL ACCOUNT INFORMATION Trade : XXXX XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PAST DUE AMOUNT IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, HISTORICAL ACCOUNT INFORMATION NON REPORTING DISPUTES Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: SC

Complaint narrative:
I am filing this complaint due to TransUnion 's continued failure to remove fraudulent student loan accounts from my credit report, despite packages and supporting documentation over the last several months. On XX/XX/year>2025, I sent a comprehensive dispute package to TransUnion via XXXX Priority Mail, including XXXXhree forms of identification, formal dispute letters, proof of Validation of Debt request sent on XX/XX/year>2025 to XXXX and XXXX Department of Education ( which remains unanswered to this day ), and a formal Notice to comply under FCRA and FDCPA provisions. Instead of conducting a proper investigation TransUnion responded by requesting a self-attestation for victim determination. On XX/XX/year>2025, I fulfilled this request and mailed a complete self-attestation package, which included Three forms of ID, a notarized Self Attestation of Identity Theft/ Victim Determination ( signed and sealed by a Department of Social Services consultant ) , an Affidavit of Truth , and a detailed Survivor Statement outlining the emotional and financial impact of the identity misuse. Despite receiving this thorough and legally sufficient documentation, TransUnion has failed to take corrective action or comply with their responsibilities under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am a survivor of financial coercion and identity misuse. I did not authorize any student loans, nor did I sign any legitimate agreements for the alleged debts being reported. These accounts are causing ongoing harm to my credit, and well-being, and stability. I request immediate removal of the fraudulent accounts and permanent cessation of reporting, along with formal written confirmation of compliance. TransUnion has had more than adequate time and documentation to act but continues to violate my rights as a consumer and survivor

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 2025-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: AZ

Complaint narrative:
This is not a duplicate complaint. This complaint addresses AESs failure to validate the debt under federal law after a formal dispute. I requested original documentation which has not been provided, including the signed promissory note, full account history, and borrower authorization which is under FDCPA 1692g ( b ) and FCRA 1681s-2 ( b ). AES did not provide this. Instead, they returned screenshots and system-generated summaries, which do not meet legal standards for verification.

AES is continuing to report the tradeline without providing original, signed documentation or proof of chain of assignment. This constitutes inaccurate and unverifiable reporting under FCRA 1681i and is a violation of consumer rights.

This complaint is not about deferment, hardship, or repayment plans. It is about AES failing to comply with debt validation law and continuing to furnish data to XXXX  without legal verification. This behavior also constitutes unfair, deceptive, and abusive practices ( UDAAP ) under 12 U.S.C. 5531.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Around the end of XXXX of two years ago ( 2023 ), I found out someone had opened a credit card account with Capital One in my name through XXXX alerting me. I immediately called Capital One and alerted them it was fraudulent and that I wanted it closed. I received no follow up communication until around XXXX, 2023 when they began demanding I pay over {$3000.00} that this credit card had accrued. The account wasn't closed when I asked for it be and Capital One refuses to acknowledge it was fraudulent. I then spent the next year or so arguing with Capital One about this account, they refuse to cooperate and take any fault. 

They have since used 2 separate debt collection agencies to try to collect said debt. The first being XXXX XXXX and the second being XXXX XXXX XXXX. I have asked both to stop contacting me as I have already informed Capital One that I refuse to pay for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally raise a complaint regarding a highly concerning issue involving my closed bank account and the unreturned balance associated with it. I opened a BMO relationship checking account with BMO at the end of XXXX. The account number was XXXX. In XX/XX/XXXX, the account was unexpectedly and unilaterally closed by BMO without any prior notice or explanation. At the time of closure, the account held a balance of over {$10000.00}, which I have yet to receive. Despite my repeated attempts to obtain information and recover these fundsincluding multiple phone calls to BMO, visits to local branches, and requests made through branch tellers to escalate the issue via email on my behalfI have received no meaningful response or resolution. In one particularly troubling instance, I contacted BMO 's Fraud Prevention department and was met with unprofessional and rude behavior. I was told that the funds had been sent to an " unclaimed funds '' account and that there was no way for me to recover them. This response is not only unacceptable but also contradicts my legal rights as the rightful account holder. It has now been well over a year since the account was closed, and I have yet to receive a check or any documentation regarding the disposition of my funds. The lack of transparency and assistance from BMO has caused me significant XXXX  and financial uncertainty.

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 2025-08-04 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information 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  CA XXXX ACCOUNTS : XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I am filing this complaint because Transworld Systems Inc. ( TSI ) is reporting a collection account that does not belong to me. I have never opened, authorized, or owed any debt to the original creditor they claim to represent.

I disputed this account directly with TSI and requested full validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. TSI failed to provide any supporting documentation, such as a signed contract, itemized account statement, or proof of my liability.

This account is fraudulent and is the result of identity theft. Despite my disputes, it remains on my credit reports with XXXX XXXX and XXXX, harming my credit and violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 writing to dispute the presence of multiple accounts being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or permitted anyone to open these accounts on my behalf. Their presence on my credit report is entirely unacceptable and constitutes false and misleading information about my financial history. 

I take the integrity of my credit profile very seriously. The appearance of these unauthorized accounts is a significant concern, and I request immediate clarification regarding how they were associated with my identity and who is responsible for reporting them.

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 2025-08-04 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: MI

Complaint narrative:
I am formally disputing the inaccurate reporting of multiple late payments listed by Equifax. According to their records, several payments are falsely reported as late, despite being made on time. This incorrect information is unfairly damaging my credit score and misrepresenting my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MS

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ 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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I was a victim of theft by my employee she stole all my funds from my 2024 income tax return by using my cellphone while I was XXXX  for XXXX treatment. I reported it i complained begged and did disputes for all purchases. The Chime bank refused my request and denied my dispute without prejudice because she was ordering things to my home address and picking them up and transferring them to her home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. The account in question is inaccurate, unverifiable, and violates multiple provisions of federal law : No Contract or Lease Agreement has been provided by the data furnisher.

No Proof of Debt Ownership or itemized statement has been presented.

No Notification of Reporting was ever sent to me prior to the furnishing of this account.

The balance, dates, and/or account status appear inconsistent with any known rental history.

Under 15 U.S. Code 1681s-2 ( b ), furnishers are required to investigate disputed information and cease reporting unverifiable or inaccurate data. Failure to do so may result in liability under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance.

Additionally, if this debt was reported without proper authorization or validation, it may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e, which prohibits deceptive practices in debt collection.

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