vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF MULTIPLE DATA BREACHES AND A VICTIM OF I DENTITY THEFT I LOOKED AT MY CREDIT REPORT AND SAW MULTIPLE INCONSISTENT THIS ON MY CONSUMER PROFILE

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and file a complaint concerning the continued presence of an inaccurate name on my credit report. Despite previously submitting all necessary documentationincluding proof of identity, updated address, and Social Security numberEquifax continues to maintain the erroneous name " XXXX XXXX XXXX XXXX '' on my credit profile. The only name I have ever used when applying for credit or any application is XXXX XXXX XXXX. 
I have never used the name " XXXX XXXX XXXX XXXX '' in any legal, financial, employment, or credit application context. I became aware of this issue when applying for credit and was informed that this inaccurate name had affected my application. Upon contacting Equifax, I was told that this name was reported by creditors. However, under the Fair Credit Reporting Act ( FCRA ), Equifax has an obligation to investigate and correct inaccurate, incomplete, or unverifiable information in a timely manner. 
This is in direct violation of the following sections of the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Consumer Reporting Agencies are required to conduct a reasonable reinvestigation if the accuracy of information is disputed by the consumer.

15 U.S.C. 1681e ( b ) Consumer Reporting Agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681g ( a ) Entitles consumers to a disclosure of all information in their file at the time of the request. 
In addition to the above, I have been informed by creditorsspecifically XXXX Equifax has failed to make my credit report accessible to them, further hindering my ability to obtain credit. This is a significant issue as it prevents me from engaging in financial activities due to Equifaxs mishandling of my data.

I have enclosed all relevant supporting documents once again, including : A copy of my government-issued ID My Social Security card Proof of current address Prior correspondence regarding this issue I am requesting the following actions be taken immediately : 1. Remove the inaccurate name " XXXX XXXX XXXX XXXX '' from my credit file. 
2. Ensure that all data under my credit report reflects only my legal name : XXXX XXXX XXXX. 
3. Confirm in writing that my credit report is fully accessible to authorized creditors.

4. Provide a copy of my updated credit report showing all corrections.

Failure to address and correct this issue promptly may leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further remedies available under the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: WELLS FARGO & COMPANY

Complaint narrative:
I recently received an email describing someone had tried to open a Wells Fargo XXXX XXXX XXXX XXXX account in my name XX/XX/year>. I contacted Wells Fargo where they advised me to give them my full SSN to correct the situation and I asked for an alternate method given the circumstances. They had no other option so I've decided to make a claim through your organization instead.

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 2025-06-03 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:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : 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 XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1500.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2025-06-03 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: CA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : 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 XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1500.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: SC

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Hello. There are XXXX inquiries on my report applications made in my name that I did not make XXXX XXXX consent to. I suspect that it might've been done without my knowledge. It is XXXX  me out and making me XXXX. Hope you can address this soon, please.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently XXXX  an account with XXXX  and it was XXXX stating I was demarked due to an account with Bank of the West. To my knowledge I never had an account with Bank of the West. I did go into a branch to XXXX  an account, however the teller was having computer issues and asked me to come back, which I never did. I want to find out what happened here as I was extremely upset to have my XXXX  account XXXX. Any information would be greatly appreciated.

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 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I was placed in XXXX XXXX on my student loan account because of the court hold on my loan plan. At that time, I received a letter stating that I would not accrue interest during this XXXX period. 

A few months later, I received a letter saying that I was accruing interest, which was confusing and concerning. I reached out to my servicer, MOHELA, multiple times to clarify, but did not receive a response. I only received a reply after I submitted a CFPB complaint, at which point MOHELA confirmed that I was not accruing interest. 

Recently, I received another letter from MOHELA stating that I am now accruing interest. This conflicting information has caused significant XXXX XXXX XXXX as I am trying to plan financially but can not get a clear answer from MOHELA. It feels extremely unfair to be left in the dark about how interest is being handled. 

I need to know : Whether I am accruing interest right now. 

If interest is being applied retroactively to the date XXXX XXXX started, or only from the date of this new notice. 

This ongoing issue has been very XXXX and has caused me to XXXX XXXX XXXX XXXX XXXX XXXX  I am submitting another complaint because I am still unable to get a consistent and reliable answer from my servicer. 

Thank you for helping me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I attempted to send a {$14000.00} wire transfer from the Bank of America XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, TX XXXX, on XX/XX/year>. The transaction was handled by XXXX XXXX, XXXX XXXX XXXX. 

Although I provided all the required wiring information, including the XXXX bank XXXX XXXX XXXX refused to enter the bank address, insisting it was not necessary and that the account number alone would ensure proper routing. As a result, the funds were sent to the wrong bank in XXXX and intended recipient has never received the fund. 

Since that day, I have not been able to reach XXXX XXXX even once. The only communication I received was an XXXX from him containing a case number : XXXX. I have followed up on a XXXX  basis with the XXXX XXXX XXXX Department, but no one answers the phone or provides updates. I have received no meaningful follow-up or resolution from the branch or customer service team or any support team from bank of America XXXX 

It has now been nearly XXXX months, and the intended recipient still has not received the funds. I have not received a refund, confirmation of a recall, or any accountability from Bank of America. This situation has caused significant XXXX XXXX  and it is unacceptable that no one has taken ownership of the mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I spoke with the XXXX XXXX XXXX  and provided my information, which they could not verify with my address, phone number, nor an account number. They asked for my social, an account was used with At an unknown address I never resided at from XXXX. XXXX from XXXX stated to me that I am a victim of identity theft and fraud for the amount of {$470.00}. I spoke with him on XX/XX/XXXX at XXXX central time. Afterwards, I was connected to XXXX from the XXXX XXXX  department and he told me they couldnt validated the debt associated with me. I was connected to the XXXX department and was issued an identity theft package. The identity theft file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to urgently request the removal of fraudulent items reported on my credit report, as I am a victim of identity theft. My documentation supporting this dispute was received as of XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, credit reporting agencies are required to block or remove information that is verified as fraudulent or related to identity theft. I understand that there is a four-day window for the agencies to acknowledge receipt of my dispute and to take action to remove or block the fraudulent information.

This is a time-sensitive matter, and I respectfully request that my case be handled promptly in accordance with the laws governing identity theft and the protections provided under Section 605B of the FCRA.

Please confirm that this request will be processed swiftly and in compliance with applicable laws. 

Thank you for your immediate attention to this urgent matter.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
{$1700.00} was stolen from my checking account via two ACH transfers on XX/XX/XXXX and XXXX. I noticed them on the XXXX and notified JP Morgan Chase. Time went by while they investigated. They eventually indicated that " I had authorized '' the transfers, so they had no " proof '' that fraud had occurred, and refused to take any action. 
I find that I can can read on the net that a apparently common criminal procedure is to : 1 ) obtain a victims account credentials ( I still don't know how this happened - I'm careful and not XXXX. ) 2 ) log into the victims account repeatedly over time, doing nothing else, to establish a pattern of identity regarding the devices being used to log in.

3 ) Steal money via a transfer, knowing no one will chase them, since the device they use to log on is a " familiar '' one. 
Other banks have a default, mandatory two-step authorization when a transfer is initiated- this would have prevented this instance of theft in my case- but Chase does not. It is apparently easier to protect the bank from fraud, and pass the consequences on to the customer, rather than implement a simple counter measure. 
If I can easily find a description of the loophole that criminals use to XXXX Chase customers, is Chase pretending to be ignorant of this? Are they indifferent? They take no responsibility, and hide behind lack of " proof '', even though the transactions were documented in an obviously suspicious manner? 
I find this position by the bank to be unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
My son broke his leg in XXXX, I paid this bill in full XXXX. XXXX medical, sent this to collection in XXXX in XXXX. We resolved this. The Cherrington firm is now attempting to collect on this debt again and harassing and treating to sue my father over this non-existent debt. Attached are the original proof of payment, an email from XXXX showing it is paid and the statement from the Cherrington firm I originally received and the statement my father is now receiving.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
I am bringing this issue to your attention due to the failure of the credit bureauXXXX to respond appropriately to my disputes regarding incorrect negative items on my credit report. I have made several attempts to resolve these inaccuracies, but instead of meaningful investigation, I have received repetitive and dismissive replies. This lack of due diligence violates the Fair Credit Reporting Act ( FCRA ) and has led to a decline in my XXXX XXXX, making it difficult to secure financial opportunities and causing 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 2025-06-03 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: GA

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 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 2025-06-03 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: NV

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MD

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 2025-06-03 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-03 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: IL

Complaint narrative:
Under 15 USC 1681b a consumer reporting agency may only furnish a consumer report if there is permissible purpose, and in several instances explicit authorization. Any reporting or distribution of a consumer 's credit information without accuracy & such a legally permitted purpose is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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