vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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 am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
YOUR COMPLAINT I'm not sure where to start. On XX/XX/XXXX, around XXXX, I received a text from Bank of America stating there was unusual activity on my primary debit card ending in XXXX. My FORMER roommate, XXXX XXXX had previously stolen my secondary debit card ending in XXXX. She had also taken photos of my primary debit card. At this time the bank and I decided to take a look at all the transactions from the time she lived with me. I have no clue how she got my PIN number, The bank lumped the multiple ATM withdrawals into a few claims with large amounts all over {$1000.00} This woman also paid her boyfriends phone bill after I SPECIFICALLY told her not too. I have been given a different story every single time I have contacted bank of america and its caused me to become physically ill. At first the bank denied my claim and made a number of ridiculous excuses, and then told me I should have filed a police report after I was repeatedly told I didn't have too. Claim ID XXXX Claim amount {$30.00} Claim opened XX/XX/year> Claim ID XXXX Claim amount {$1900.00} Claim opened XX/XX/year> Claim ID XXXX Claim amount {$1800.00} Claim opened XX/XX/year> Claim ID XXXX Claim amount {$1500.00} Claim opened XX/XX/year> Claim ID XXXX Claim amount {$45.00} Claim opened XX/XX/year> as you can see it's a lot of money and I will be happy to provide the police report numbers as well I included a copy of the original complaint because they are still denying my claims and making it extremely difficult. my bank account was completely robbed I did not authorize this person to use my account no matter what they say + they're still denying my claims. I will be hiring an attorney and changing Banks but as of right now I need my money back like it was stolen. I did not authorize any of those transactions nor did I give this person my debit card if they had told me from day XXXXne I needed to file a police report I would have done so. however, they told me it was not necessary for my claims to be paid. then I went and did it. I have XXXX separate police reports, XXXX for the actual stolen debit card and XXXX for the fraud and it's still not enough for them. I don't know what more I can do cuz I did not give this person access to my account just because she was my roommate does not mean that I let her use my bank card

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX XXXX stating that my credit score dropped and was due to a delinquent account from Mohela. I was never given any notice of my student loans starting back up. This is in violation of 15 USC 1681s-2. As I was on the phone with mohela I decided to create an account to investigate further into the matter. I saw that I owed an extreme amount of money on top of interest accrued. I eventually got hold of a representative and informed them of my issue. They told they sent me notifications to which I refuted that claim and told them the only message I received was from XXXX  XXXX stating that I had a delinquent account. After the representative placed me on hold and returned she informed me that they previously had an account for me, but my account was deleted due to an update on the website. I told them this was not my fault that they did not inform me of my account deletion nor did they attempt to reinstate my account after the website was updated. I requested a letter that I could show to my credit bureau that this was mishandling of information as well as negligence. I requested a letter to show to my credit bureau that this was mishandling of my information, negligent communication, and failure to give notice XXXX, XXXX, XXXX day delinquency. I was denied. I requested for Mohela to reach out to my credit bureau ; they denied my request. I asked about XXXX and was denied when the representative stated that " Mohela does not do goodwill ''. I was only offered forbearance as a last option -- I had no choice but to accept due to such sudden notice and lack of accountability on Mohela 's part. This has impacted my credit score severely and lead to a denial to be an account for a house on the market.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
I am writing to formally dispute XXXX or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these XXXX be the result of identity theft or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file. 

Failure to comply with these requirements will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to pursue legal action for negligence and failure to correct known inaccuracies, which can include statutory damages, legal fees, and other costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: AZ

Complaint narrative:
I am writing to formally dispute XXXX or more unauthorized hard inquiries that appear on my credit report. 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.

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 2025-05-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am not swayed that CITIBANK NA has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from CITIBANK NA. Make sure to explain the outcome of your investigation about this account : CITIBANK NA XXXX Date opened XX/XX/year> 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 2025-05-02 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my account. Please remove these accounts immediately from my reports, they are hurting my ability to obtain credit.

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 2025-05-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-01 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NH

Complaint narrative:
There is a hard inquiry on my XXXX  and XXXX credit report from XX/XX/year>. I do not recall applying for any type of loan in the past two years, and the credit reports do not list where the inquiry is from. I can not find any information in my records about having applied for a loan for a hard inquiry to have been pulled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
Equifax continues to report inaccurate information on my account. I have included the correct information from their website. This needs to be reported accurately in all sections of my credit file. When go to the Dispute Center the XXXX XXXX and Department of Education accounts show late payment on the historical status,. However on the actual credit report under installment accounts it does not show any late payments under the closed accounts section for XXXX XXXX and Department of Education accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I used my XXXX XXXX  to access my Wells Fargo Bank Account on XXXX XXXX and XXXX XXXX in XXXX, Arizona. I attempted to deposit a check, the check would not deposit and eventually ripped. I left the ATM. After leaving the ATM, the transaction did not end. Another individual, who has been arrested in response to this theft by the XXXX Police Department, pulled up behind me and withdrew {$1000.00}. Wells Fargo informed me on XX/XX/year>, that using their criteria, they could not confirm that fraud took place. I was clear with them that the individual has been arrested and acknowledged the theft- I have report and case numbers. I was also clear that I had gone back to Wells Fargo and tested the ATM. When using XXXX XXXX, the screen will allow XXXX seconds of inactivity prior to ending the transaction. I asked them to provide me with detailed reasons for why they could not confirm that fraud took place. The Senior Escalation Specialist stated that she could not give me that information as releasing that information could result in more fraud.

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 2025-05-02 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:
See Attached Documents. I have disputed over 4 days ago with a Identity theft dispute and they still haven't blocked and deleted the information that doesn't belong to me.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To : World Finance Subject : Dispute of Inaccurate Charge-Off Reporting World Finance ( Account No. XXXX ) Whom it May Concern I am writing to formally dispute inaccurate and conflicting information reported on my credit file concerning an account from World Finance, with account number XXXX. This account is inaccurately reported twice, under different dates and conditions, both marked as closed and listed with charge-off/collection status, despite one being reported with perfect payment history and As Agreed status. 

The first entry reflects : Account Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Status : Closed, Paid As Agreed Payment History : 100 % on-time Highest Balance : {$880.00} The second, conflicting entry reflects : Account Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Status : Charge Off Payment History : Extensive late payments and default status These are clearly duplicate entries with inconsistent data. According to the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

I respectfully request : 1. Immediate investigation into this discrepancy.

2. Deletion or correction of the inaccurate charge-off listing.

3. A written confirmation of the outcome once the investigation is completed.

Enclosed are screenshots and documentation supporting my claim, including payment history and status discrepancies.

Thank you for your attention to this matter. I expect this dispute to be resolved within the 30-day time frame as required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
I was advised by an Equifax and Transunion  rep to fill out this report because of unauthorized inquiries in my credit report. Please remove all of these fraud ( unauthorized ) from my report. 


Please remove all of these fraudulent inquiries from my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CT

Complaint narrative:
Third attempt, I am requesting the immediate removal of inaccurate information from my credit report, as it violates my rights under the Fair Credit Reporting Act. The following accounts contain errors and should be removed : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXXXX/XX/XXXX Account # XXXX XXXX. XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. Equifax, Transunion & Equifax Inaccurate address data that I am not associated with.

Legal Violations : * 15 U.S.C. 1681 ( Fair Credit Reporting Act, Section 602 ( A ) ) : I have the right to privacy and accurate reporting.

* 15 U.S.C. 1681b ( a ) ( 2 ) ( Section 604 ( A ) ) : No consumer reporting agency may furnish an account without my written consent.

* 15 U.S.C. 1681c ( a ) ( 5 ) : No report should include any adverse information older than seven years, except for criminal convictions.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person must not furnish information to any consumer reporting agency if they know or should reasonably know the information is inaccurate.

The accounts listed above have inaccuracies that violate these statutes. I request the immediate correction or removal of these entries to ensure my credit report is accurate and in compliance with the law.

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 2025-05-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX ALLYFINANC - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with explanation