vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: EAST WEST BANK

Complaint narrative:
I am a XXXX customer of EastWest bank, I live in XXXX, On XX/XX/XXXX, I sent {$2300.00} to my XXXX account through international swift transfer, ( purpose was for Crypto currency investment ), before sent this transfer, there was {$2300.00} in my balance. So for this transfer, there was {$40.00} transaction commission fee charged by EastWest bank.so after send my {$2300.00} international transfer, there would be XXXX balance in my account. 

EastWest bank initiated this transfer, but after one day, without the money arriving at beneficiary bank, EastWest bank decided to return this money back to me ( My bank account ), charged me {$10.00} for return the money.so I lost {$50.00} together without meaningful service, I asked customer support on mobile app what happened. Customer support service clerk whose nickname was XXXX, have told me because the beneficiary account number I filled in was wrong, and refuse to offer my transfer voucher, which I can share with XXXX XXXX, so they may find out what mistakes I have made. I was upset and I also did not believe this XXXX guy. So, I made a phone call to customer service hotline, this time the customer service clerk who answered my phone call, not sure if it is same XXXX guy or not, gave me a different explanation, he said it was because there was not enough balance amount for this transfer, that's why it was unsuccessful transfer. 

I think since as professional financial organization and a major bank corporation in the US, if you knew this transfer would be unsuccessful transfer at first, you should not authorise the transfer and initiate it, and then return it without the money reaching beneficiary bank, for charging me transaction fee twice, this is scam, it seems the employee who authorised this transfer, and the customer support team, are very incapable and dishonest people who caused me some unnecessary lose. I demand EastWest bank to return my {$50.00} dollars transaction cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section XXXXB [ 15 U.S.C. XXXX ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section XXXX [ 15 U.S.C. XXXXb ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 non-monetary relief
Consumer complaint received 2025-09-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This company is reporting incorrect information on my credit report for my employment date. I dont have a home daycare date verified XX/XX/year>. ( XXXX XXXX ), XXXX XXXXXXXX XXXX  date verified XX/XX/year>, self employed XXXX employee, date verified XX/XX/year>. Asking that I either receive the information that was used to verify my work history of employment of the credit bureau remove this incorrect data from my credit report immediately. The credit bureau is also reporting an bankruptcy docket # XXXX on my credit report, I have sent over the information from the courts to the credit bureau, stating that they do not verify bankruptcy with a XXXX parties, I requested from the credit bureau to send me over the information or person that was used to verify that this is information that is reflecting on my credit report is correct. I have also attached correspondence between myself and the courts of bankruptcy to verify this bankruptcy case was not verified by their office where this bankruptcy case was supposedly filed.

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 2025-09-06 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: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
inaccurate information that has appeared on my Equifax credit file following the Equifax data breach. XXXX XXXX XXXX data breech as well as evolve bank and trust My personal data was among the information exposed. Because of these breachs I believe certain accounts or inquiries on my credit file may be inaccurate, fraudulent, or not properly verified. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any disputed information on my credit report and remove or correct inaccurate, incomplete, or unverifiable entries. Specifically, I am disputing the following accounts as fraudulent and/or inaccurately reported due to the Equifax data breach : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$610.00} XXXX Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX {$3700.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX {$330.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX, XXXX & XXXX XXXX XXXX Balance {$6500.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX Bank XXXX {$1100.00} ( Account opened XX/XX/XXXX ) XXXX. XXXXXXXX XXXX  XXXX XXXX Bank XXXX XXXX 
XXXX {$680.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$2600.00} ( Account opened XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
inaccurate information that has appeared on my Equifax credit file following the Equifax data breach. XXXX XXXX XXXX data breech as well as XXXX XXXX XXXX XXXX My personal data was among the information exposed. Because of these breachs I believe certain accounts or inquiries on my credit file may be inaccurate, fraudulent, or not properly verified. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any disputed information on my credit report and remove or correct inaccurate, incomplete, or unverifiable entries. Specifically, I am disputing the following accounts as fraudulent and/or inaccurately reported due to the Equifax data breach : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$610.00} XXXX Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX {$3700.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX {$330.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX, XXXX & XXXX XXXX XXXX Balance {$6500.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} ( Account opened XX/XX/XXXX ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX {$680.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX Advanced Financial Balance {$1500.00} ( Account opened XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} ( Account opened XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CO

Complaint narrative:
My Equifax credit report dated XX/XX/2025 contains inaccurate, inconsistent, and unverifiable negative information. This violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts Include : XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX listed as charged off with contradictory dates of activity and inconsistent reporting. 

XXXX XXXX XXXX ( multiple accounts ) reported as collections with conflicting account details and unverifiable debt ownership. 

XXXX  XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX reported as both charged off and sold/transferred, which creates duplicate negative reporting. 

XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX reported as disputed yet still derogatory, misleading and damaging to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: IL

Complaint narrative:
Some one applied for these loans with out my permission I think it was a family member but I dont know who exactly did it they though I would never look at my credit and see what they been doing this is 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 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-09-06 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: TX

Complaint narrative:
I am a victim of identity theft and unauthorized use of my personal information in violation of my rights as a consumer under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b. This statute limits access to my credit report only for permissible purposes, such as with my written instruction, in connection with a credit transaction initiated by me, or under specific legal circumstances. 

The accounts and inquiries currently reporting on my credit file were either opened or accessed without my knowledge, consent, or legal authorization. These actions were not initiated by me and represent an unlawful invasion of my financial privacy. 

As such, I am requesting that these accounts and inquiries be : Permanently blocked from appearing on my credit reports, and Deleted in accordance with FCRA 605B, which provides identity theft victims the right to remove fraudulent information. 

Attached are documents supporting my identity and this report, including a government-issued photo ID, proof of address, and copies of the disputed credit files. 

I am exercising my full rights under federal law and expect immediate action by the credit reporting agencies and any furnishers involved. 


See attachment

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They keep calling me leaving voice mails about some credit card collections I told them to stop they call me from many different numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} 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 EXPERIAN 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

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I've had an account opened with Citibank, and decided to transfer some of my own money into another one of my investment accounts, and they decided to close my account and I have yet to receive my remaining balance of XXXX after they closed 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 non-monetary relief
Consumer complaint received 2025-09-06 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: PA

Complaint narrative:
This marks my continued effort to address persistent inaccuracies on my credit report. Despite my prior disputes, including the most recent investigation, I have found that numerous issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and present an incomplete and misleading portrayal of my financial responsibility. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am submitting this dispute and formally request a thorough and immediate reinvestigation of all disputed items. I expect each item to be carefully reviewed, corrected, updated, or removed as mandated by federal law to ensure the complete accuracy and integrity of my credit report. 
XXXX XXXX XXXX * * * * * * * * * * Balance : {$3400.00} XXXX XXXXXXXX XXXX * * * * * * Balance : {$3700.00} XXXX XXXXXXXX * * * * * * * * * * Balance {$1000.00} XXXXXXXX XXXX  XXXX * Balance {$23000.00} XXXX XXXX XXXX * * * * * * * * * * * * Balance {$30000.00} XXXX XXXX * * * * * Balance {$19000.00} XXXX XXXX  XXXX * * Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: PA

Complaint narrative:
This marks my continued effort to address persistent inaccuracies on my credit report. Despite my prior disputes, including the most recent investigation, I have found that numerous issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and present an incomplete and misleading portrayal of my financial responsibility. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am submitting this dispute and formally request a thorough and immediate reinvestigation of all disputed items. I expect each item to be carefully reviewed, corrected, updated, or removed as mandated by federal law to ensure the complete accuracy and integrity of my credit report. 
XXXX XXXX XXXX * * * * * * * * * * Balance : {$3400.00} XXXX XXXXXXXX XXXX * * * * * * Balance : {$3700.00} XXXX XXXXXXXX * * * * * * * * * * Balance {$1000.00} XXXXXXXX XXXX  XXXX * Balance {$23000.00} XXXX XXXX XXXX * * * * * * * * * * * * Balance {$30000.00} XXXX XXXX * * * * * Balance {$19000.00} XXXX XXXX  XXXX * * Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2025-09-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all XXXX  credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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