vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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:
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report Dispute Under FCRA Inaccurate Late Payment Reporting To Whom It May Concern, I am writing to formally dispute an inaccurate late payment reported on my Experian credit report associated with the following account : Creditor : XXXX XXXX Account Number : XXXX ( last digits visible ) Date Opened : XX/XX/XXXX Disputed Item : Late payment reported for XX/XX/XXXX This reported late payment is inaccurate and does not reflect my actual payment history. As shown in my records, I either made the payment on time or did not receive proper notification or validation of any delinquency. Please consider this a formal request to investigate this matter under the Fair Credit Reporting Act ( FCRA ), and to provide validation or remove the late payment from my credit file. 

Enclosed are copies of my credit report and other supporting documentation. Please conduct a thorough investigation and remove this inaccurate information if it can not be verified. 

Sincerely, XXXX XXXX XX/XX/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 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
b"Paid my monthly $XXXX  to M&T bank on XXXX. They took an additional $XXXX  XXXX total of $XXXX. With them taking out without my authorization I have accumulated multiple $XXXX overdraft fee's. Currently I have $XXXXXXXX  in my checking account. Meaning I have nothing. I am a single mom who cannot afford top feed my child. I have reached out multiple times to M&T Bank and they can only tell me that its processing. Sent XXXX  emails as well with no response. It has been almost a month with no change and I still have no money"

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 2025-06-10 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: OK

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
In summer of XXXX I opened an account with XXXX XXXX on behalf of my mother in law using her name, SSN, and DOB with her consent. Somehow, XXXX used my name and SSN to open the account when I only provided them my name. I suspect they used a previously closed XXXX account that was in my name to open this new account. I never consented to opening an account in my name, never provided my SSN, or XXXX. I called XXXX about this several times over the next XXXX  months and they assured me it was resolved and the account was not in my name and should not appear on my credit report. This has been an ongoing issue which has taken over XXXX hours of phone calls to resolve through several layers of escalation. It's likely when Eastern Account XXXX requested the information from XXXX after my initial dispute that XXXX did not furnish the appropriate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Request for Immediate Removal of Unauthorized or Inaccurate Credit Inquiries and Accounts To Whom It May Concern, Upon a recent review of my credit report, I identified several inquiries and accounts that appear to be unauthorized, inaccurate, or unverifiable. These items were not initiated or approved by me and may be negatively impacting my credit profile.

Legal Basis for My Request Under 15 U.S. Code 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) ( A ) : If, after any reinvestigation of information disputed by a consumer, an item is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete or modify that item of information, as appropriate; and ( ii ) Promptly notify the furnisher of that information that it has been modified or deleted. 

Inquiries to Be Investigated and Removed Company Name Industry Inquiry Date Bureau ( XXXX ) Reason for Dispute 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion  Not authorized Accounts to Be Investigated and Removed The following accounts were not opened or authorized by me. I request that they be immediately investigated and, if found to be inaccurate or unverifiable, removed from my credit report under the same legal provisions : Creditor Name Account Number ( Last XXXX ) Reason for Dispute XXXX XXXX  Not mine / Unauthorized account XXXX XXXX Not mine / Unauthorized account Please complete the reinvestigation process and provide written confirmation once the disputed inquiries and accounts have been removed. Should you require any supporting documents or additional information, feel free to contact me directly. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-10 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: WA

Complaint narrative:
Request for Immediate Removal of Unauthorized or Inaccurate Credit Inquiries and Accounts To Whom It May Concern, Upon a recent review of my credit report, I identified several inquiries and accounts that appear to be unauthorized, inaccurate, or unverifiable. These items were not initiated or approved by me and may be negatively impacting my credit profile.

Legal Basis for My Request Under 15 U.S. Code 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) ( A ) : If, after any reinvestigation of information disputed by a consumer, an item is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete or modify that item of information, as appropriate; and ( ii ) Promptly notify the furnisher of that information that it has been modified or deleted. 

Inquiries to Be Investigated and Removed Company Name Industry Inquiry Date Bureau ( XXXX ) Reason for Dispute 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion  Not authorized Accounts to Be Investigated and Removed The following accounts were not opened or authorized by me. I request that they be immediately investigated and, if found to be inaccurate or unverifiable, removed from my credit report under the same legal provisions : Creditor Name Account Number ( Last XXXX ) Reason for Dispute XXXX XXXX  Not mine / Unauthorized account XXXX XXXX Not mine / Unauthorized account Please complete the reinvestigation process and provide written confirmation once the disputed inquiries and accounts have been removed. Should you require any supporting documents or additional information, feel free to contact me directly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding American Express and their handling of required communications and notices under applicable credit card servicing regulations. I am deeply concerned about their ongoing failure to provide timely updates and notices on key account events, including disputes. 

Despite my efforts to follow all procedures, I have not received appropriate written notices, call backs, or confirmations regarding important account actions. Most concerning is the lack of communication around dispute processing and related determinations, which are subject to clear notice requirements under the Truth in Lending Act ( TILA ) and Regulation Z. 

This lack of communication has left me completely in the dark on matters that directly affect my rights as a cardholder and my ability to respond appropriately. I have made repeated attempts to obtain information and speak with someone, but my requests have gone unanswered and responded to. 

I am requesting that American Express promptly assign someone to review this situation with me, correct any procedural deficiencies, and ensure I am made whole where appropriate. If no meaningful outreach is received shortly, I will consider legal action to enforce my rights and address the harm caused by this breakdown in required communication and servicing practices. 

That said, I remain open to a cooperative resolution and hope this complaint will encourage a timely and constructive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights for to privacy and cincome XXXX under 15 USC 1681. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 
XXXX - Account # 4BDA3I. Has violated my rights. 
XXXX XXXX XXXX - Account # 3 6 7 Has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX  Has violated my right. 
XXXX XXXX XXXX -Account XXXX XXXX Has violated my rights. 
First premiere Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violate in my rights. 
XXXX XXXX - Account XXXX XXXX. Has violated my rights. 
XXXX XXXX Account XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX. Has violated my rights. 
Self/Atlantic capital B - Account XXXX XXXX Has violated my rights. 
Sell financial/lead bank - Account XXXX XXXX Has violate in my rights. 
The XXXX XXXX bank - Account XXXX XXXX  Has violate in my rights. 
Transfer all systems INC - Account XXXX XXXX  Has violated my rights.hyyyy Web bank/Fingerhut Account - XXXX XXXX Has violated my rights. 
American profit recovery Account - XXXX XXXX Has Violated my rights. 
XXXX - Account XXXX XXXX. Has my lady my rights. 
XXXX XXXX XXXX  Account - XXXX XXXXXXXX. Has violated my rights. 
XXXX XXXX XXXX  XXXX - Reference XXXX XXXX XXXX. Has violated my rights. 
XXXX XXXX XXXX  Account - XXXX XXXXXXXX Has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681section 602 A. States I have a right to privacy.

15 U.S.C 1681Sectiin 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions and crimes which antedates the report by more XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has Reasonable cause to believe that the information is inaccurate

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This problem is with Chase XXXX card. I applied for and activated while doing an addition on my home in XXXX. Soon thereafter, I lost my employment, which means I had no money coming in with a bunch going out due to the XXXX. Im not disputing the hardship I experienced which resulted in me having to sign up with a credit counseling agency. Suggested to me by Chase. XXXX Solutions. ( I later found out that its a company developed by Chase. Which to me seems like its not set up for the consumer as it would still take me several years to pay off my balance under the agreement made ) I was approved to move forward with them and restructure my payments to stop my past due balance from becoming a charge off account. I appreciate that they were willing to do this with me from the get-go. Not tailored to me but a path forward at least. However, once the negotiations took place and I had my agreement with XXXX Solutions who had reached out and made an agreement with Chase. I started making payments to them. They drafted from my bank account. At that time I was given receipts of successful payments, and that was the extent I had to take it. It was either XXXX solutions responsibility or chases to document these in their files. 

On my credit report, I have three months worth of late payments that are pretty derogatory for the month of XXXX, XXXX, and XX/XX/XXXX. I have tried to dispute this with supporting documentation and came up short with regards to the credit bureau and Chase saying that their information is accurate. XXXX XXXX core solutions gives me excuses and I get nowhere. Once or twice they were rather rude actually and talk to me in a derogatory fashion. However, I asked for my payment activity to be sent to me again, and I downloaded it. This should be sufficient and supports my claim that I paid those months fees that were agreed on and I would like them wiped off my credit report as soon as possible as Ive been trying to do this for over a year now. 
As a matter of fact, Ive made extra payments and Ive brought my balance down substantially. It would be very nice if this could be reflected on my credit as the way its been handled makes me feel like a degenerate. I lost my job while XXXX XXXX XXXX XXXX XXXX XXXX and I couldnt make payments for 120 days. Its as simple as that and not once have I wavered from payments or anything that has to do with my bills since. Yet I still have an under XXXX credit score and mostly due to Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
I reached out to the company directly submitted verification that the account was illegally open. Its a fraud account and submitted my police report FTC report and a copy of my ballot drivers license and proof of address to this company and they use that information against me to not remove the negative illegal item off my report. I never apply for credit with this company nor have I ever ever gave permission to apply for a credit card with this company XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation