vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
Despite multiple disputes since XX/XX/XXXX, Equifax continues to report XXXX XXXX, XXXX, and XXXX XXXX  all of which are fraudulent. These accounts have caused ongoing harm and Equifaxs refusal to remove them is willful noncompliance with the FCRA. I am requesting immediate permanent deletion of these accounts and enforcement action On XX/XX/XXXX, I submitted a full FCRA 605B identity theft block package to XXXX, including my government-issued ID, proof of address, and FTC Identity Theft Report. The package clearly identified XXXX XXXX, XXXX, and XXXX XXXX as fraudulent. Under the law, XXXX  was required to block these accounts within 4 business days. XXXX XXXX  was also reinserted on XX/XX/XXXX, without proper written notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ), causing my score to drop XXXX points. These accounts remain on my file in violation of federal law. I am requesting immediate permanent deletion and enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
THEY KEEP TELLING ME THEY HAVEN'T RECIVED MY DOCUMENTS THIS AND THAT EVEN THO I SENT AN OVER NIGHT MAIL AND IT WAS TELLIN G ME THAT THEY HAVE RECIVED IT MANY TIMES. THERE IS FRAUD INQUIRY ON MY NAME AND I NEED THIS FRAUD TO BE REMOVED FROM MY NAME ITS : XXXX XXXXXXXX XXXX XXXX  XX/XX/scrub>XXXX PLEASE REMOVE THIS FRAUD FROM MY NAME I AM ALREADY TIRED OF THIS STUFF

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: NY

Complaint narrative:
This complaint is to Self XXXX  I opened an account with self XXXX  credit card few months ago after 2 months ago I found my account is frozen I cant even sign in to see my balance I call the customer service representative they explained to me that the account is closed due to security machine system to protect our customer, What this mean I dont understand but its not new from small unknown banks like self, I dont care how they closed my account or why they closed my account Because it is not an honor for me to take the matter seriously, because in the end it is a small and unknown bank, But if people 's money is stolen unlawfully, we must stop this, I told the customer service so how about my money she told me we will sent it to your account I ask here to confirm the bank account that the money will deposit she told me discover bank and she explained to me it will take two weeks and now we almost 2.5 month no money came, Why I sent this complain because bank always not clear & Hides the truth, and if I didnt sent this complaint the bank will take my money forever,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX  experian credit bureau reported my XXXX  XXXX BUSINESS CREDIT CARD WAS 30 DAYS PAST DUE ON PERSONAL CREDIT REPORT. 

I ICALL XXXX  XXXX CUSTOMER SERVICE TO CONFIRM THAT I WAS NOT 30 DAYS PAST DUE ON MY ACCOUNT.

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 2025-08-10 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: CA

Complaint narrative:
MY NAME IS XXXX AND I AM A VICTIM OF SO CALLED IDENTITY THEFT, THERE IS FRAUD CURRENTLY GOING UNDER MY NAME AND I WANT YOU TO TAKE CARE OF THIS, THERE ARE APPLICATIONS AND INQUIRES WHICH ARE BASICALLY NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NO IDEA HOW THESE APPEARED THERE. I NEVER WORKED WITH XXXX OR SOMETHING BUT I CONTACTED THEM AND ACTUALLY TOLD THEM WHATS GOING ON THEY HEARD ME AND TOOK ACTIONS AS WELL, THANKS FOR UNDERSTANDING AND I HOPE WE GET TO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-08-10 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
Creditor Name : XXXX XXXX / XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXXXXXX  Reported Balance : {$1600.00} Account Status : Charged Off, Closed by Credit Grantor On XX/XX/XXXX, Equifax permanently deleted this tradeline from my credit file after completing a reinvestigation of my dispute ( XXXX XXXX XXXX XXXX ). This deletion confirms that the account is unverifiable. 

Despite this, both Experian and TransUnion continue to report this same tradeline as a valid account on my credit file. By continuing to report unverifiable information, they are : 1. Violating FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

2. Violating FCRA 1681i ( a ) Failure to delete unverifiable information after a dispute.

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 2025-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Per 15 USC 1681 ( b ) I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud. I did not authorize the listed accounts or inquiries to report to my consumer credit reports. Block & remove the accounts and inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-10 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
I MAILED MY DOCUMENTS ABOUT THIS FRAUD TO EQUIFAX AND THEY TOLD ME THEY ARE NOT RECIVING ANYTHING I CAN'T BELEVE THIS EVERYTIME THEY ARE MAKING NEW EXCUSES AND NOT REMOVEING THIS FRAUD FROM MY NAME. THESE ARE THE FRAUD INQUIRIES THAT ARE ON MY EQUIFAX CREDIT REPORT : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
I requested payment assistance, loan term adjustment, and information on options to prevent repossession due to documented theft-related financial hardship. 
Between XX/XX/XXXX and XX/XX/XXXX, my XXXXXXXX XXXX XXXXXXXX was broken into 14 times due to a known XXXX XXXX XXXX. I paid {$10000.00} out-of-pocket for window replacements ( including {$1400.00} at XXXX XXXX and {$100.00} XXXX XXXX ), XXXX XXXX deductibles ( {$3600.00} ), rental cars ( over {$1000.00} ), and related repairs. On multiple occasions in XXXX, I contacted American Credit Acceptance ( ACA ) to request payment assistance or loan term adjustments to avoid repossession. I explained that these expenses were the direct cause of my financial strain and risk of repossession. ACA has not provided assistance, adjusted my loan, or offered any workable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and I would like to have the following address permanently deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
THEY ARE JUST LIERS THEY TOLD ME THEY DIDN'T RECIVE MY DOCUMENTS I AM SENDING THIS ABOUT FRAUD INQUIRIES THAT HAVEN'T BEEN REMOVED FROM MY REPORT YET. THESE ARE THE FRAUD IQNURIEIS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THIS FRAUD FROM MY NAME I HAVE NO MORE PATENCE AND CAN NOT HEAR THEIR NONCENCE. I ALREADY CONTACTED THE BANKS AND NOTIFIED THEM ABOUT THIS FRAUD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
You have a new message from XXXX  regarding request # XXXX. To respond, simply reply to this email. 

Hello XXXX, Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/year>. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the XXXX  service. We do not make these decisions lightly, and when we do it is to help improve the safety of the XXXX  community. 


The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your XXXX  account should these funds be available for transfer in the future. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 

Regards, XXXX XXXX. 
Account XXXX | XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I sent a wire transfer of USD XXXX from my Wells Fargo account to my friend XXXX XXXX XXXX XXXX  account in XXXX ( XXXX XXXX : XXXX ). This was a personal gift, with no commercial purpose or expectation of repayment. 

On XX/XX/year>, a recall request was filed in error. I cancelled this recall within a few days and instructed Wells Fargo to confirm to XXXX XXXX  that I did not want the funds returned. 

Despite multiple follow-ups, Wells Fargo has not sent a cancellation message ( XXXX XXXX or equivalent ) to XXXX XXXX  XXXX and the recipients account remains on debit freeze, causing financial harm. 

I request Wells Fargo to immediately send XXXX XXXX  confirmation that the recall request has been cancelled and the beneficiary may retain the amount. I also request written confirmation once this is done.

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 2025-08-10 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 MAILED MY DOCUMENTS TO EQUIFAX REQESTING THEM TO REMOVE THIS FRAUD APPLICATION FROM MY CREDIT FILE BUT TEHY TOLD ME THEY HAVEN'T RECIVED MY DOCUMENTS AND MADE ME DO THE SAME PROCCESS OVER AND OVER AGAIN AND STILL NO RESULTS TELLING ME THEY HAVEN'T RECIVED ANYTHING FROM ME THEY ARE HAVEING SOME TYPE OF PROBLEM I FORGOT THE PROBLEM NAME. THIS IS THE FRAUD INQUIRY : XXXX XXXX XXXXXX/XX/year>. PLEASE REMOVE THIS FRAUD FROM MY ANME AND MADE SURE THEY RECIVE THIS MAIL THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was charged for the same purchase three times and I complained about it and now they said I can't close the account for 90 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CT

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into the furnisher 's reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification. 
If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful noncompliance and credit defamation under 15 U.S.C. 1681n./I am filing this complaint against [ Creditor/Collection Agency Name ] for willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority.

Violations committed : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 16811 & 1681s-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information.

2. Fair Debt Collection Practices Act The reporting of this eviction is deceptive, as no final judgment or public record proving l legally owe this debt has been provided.

3. Gramm-Leach-Bliley Act ( GLBA ) - Privacy Violation : The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under 6801.

4. No proof of ownership or assignment of debt : The furnisher has not presented a lease, judgment, or chain of assignment to prove standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, Equifax deleted a XXXX XXXX credit card account with a {$490.00} balance from my credit file after my dispute. On XX/XX/year>, the same debt was reinserted under a different name XXXX XXXX XXXX without the legally required reinsertion notice under the Fair Credit Reporting Act. 

FCRA 611 ( a ) ( 5 ) ( B ) clearly states : If any information is deleted from a consumers file pursuant to a reinvestigation under this section, the information may not be reinserted in the file unless the person who furnishes the information certifies that the information is complete and accurate. If any information that has been deleted from a consumers file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion.

Equifax failed to notify me in writing within 5 business days of the reinsertion. Upon discovering the reinserted account, I filed an online dispute. On XX/XX/year>, Equifax marked the account as verified as accurate without addressing the fact that it was previously deleted and reinserted without notice. 

This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Items of collections XXXX XXXX  XXXX 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 2025-08-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
SOME ONE STOLE MY PASSPORT AND WALLET AND TOOK OUT A VERY EXPENSIVE XXXX ACCT WITH XXXX PHONES THEN THEY REPEATEDLY CLAIMED THAT THEY GOT STOLEN AND I WAS UNKNOWINGLY BEING CHARGED FOR REPLACEMENT. TOTALLED XXXX XXXX XXXX XXXX XXXX XXXXXXXX OR XXXX .THEY HAD AN INSIDER AT THE STORE THAT LET THEM USE MY IDENTITY AND HAD MY SOCIAL NUMBER card too. This store was in XXXXXXXX XXXX XXXX XXXX. Now it's under XXXX collections I believe

Company response to consumer: Closed with explanation