vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian shows an extended fraud alert on my account. The fraud report has an expired phone number. Experian requires that customers contact their customer service to correct. The experian XXXX system for customer service does not allow me to correct the issue because to progress through their XXXX  system it sends a verification code to the same incorrect number. I can't receive the code. I am caught in a loop, and I am unable to speak to a live person. Please have experian contact me or provide me with a phone number where I can reach a live person at Experian. Thanks

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB XXXX XXXX Equifax Subject : Inability to Access Credit Report Due to Identity Theft and Inaccurate Address Reporting Company Complained About : Equifax Information Services LLC Issue : Credit reporting company is reporting incorrect personal information and refusing to provide access to my credit file. 

Description of the Issue : I am submitting this complaint due to Equifaxs failure to provide access to my credit report. Despite multiple attempts, I am unable to verify my identity through their system, and I am being locked out of my consumer file. 

I have recently been a victim of identity theft, and this situation has prevented me from reviewing, disputing, or monitoring any potentially fraudulent activity. 

One key issue is that Equifax is still reporting an outdated and incorrect address on my file that I no longer reside at and that may be linked to fraudulent activity. This address appears to be interfering with my ability to pass identity verification questions when attempting to access my credit file online or by phone.

Despite confirming and submitting my current, valid address, Equifax has not removed the old address or corrected the file. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Relevant FCRA Violations Include : 1681g Right to access credit report information 1681c-2 Obligation to block or suppress identity theft-related data 1681e ( b ) Duty to maintain maximum possible accuracy 1681i Duty to reinvestigate disputed information Impact on My Life : This error is severely affecting my ability to protect myself from identity theft, apply for credit, and resolve disputes. I have experienced emotional distress, financial limitations, and barriers to basic services due to Equifax 's inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: 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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: 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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UPGRADE, INC.
State: OH

Complaint narrative:
I deposited {$5000.00} from my bank card ( Upgrade Bank ) into a crypto investment platform ( XXXX ). After a long delay, the crypto company reversed the funds and refunded the money to my bank account. However, by the time the refund was issued, my bank account had already been closed by the bank. 

I contacted the bank to locate the refunded funds, but they have not given a clear response or returned the money. The crypto platform confirmed that the funds were successfully refunded to my old bank account, but the bank has not made the funds available or returned them to the sender. 

I am requesting the CFPB to help me get my {$5000.00} back or to force the bank to explain what happened to the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
I have recently reviewed a copy of my consumer credit report as issued by your bureau, dated XX/XX/year>, and identified several entries that are inaccurate, unverifiable, outdated, and in violation of federal consumer protection laws.

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 2025-06-23 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: KY

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 explanation
Consumer complaint received 2025-06-21 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I applied for a business account through XXXX commercial website. I deliberately excluded my personal social security number and only included my personal information as the business owner/authorized officer. On XX/XX/XXXX, after a routine check of my credit report, I saw a hard inquiry was initiated by XXXXSynchrony bank that I did not authorize. 

XX/XX/XXXX - spoke to rep at XXXX who confirmed my business application was submitted with EIN ending in XXXX ( not my SSN ) and she directed me to Synchrony bank as the creditor XX/XX/XXXX - XXXX rep transferred me to Synchrony Bank who confirmed the same EIN on app but could not send me a copy and advised to dispute with credit reporting agency I submitted a dispute with Equifax the same day and received a response XX/XX/XXXX that the fraudulent inquiry was valid. 

Equifax allowed a credit to access my personal profile with my authorization. I did not approve or provide my individual social security number to XXXX for this application. This must be removed as it is a violation and XXXX  is liable for releasing my information without my consent. 

XXXX application reference # is XXXX. I requested written verification and a copy of the application, however, both representatives confirm with the last 4 digits that my SSN is not on the application.

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 2025-06-21 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: GA

Complaint narrative:
On XX/XX/year> My husband noticed unusual activity in our joint account ( bill account ). I told him i would check it out. I noticed that upon checking the accounts there was some fraudulent activity. Someone was able to clone my card or phone and proceed to go to an atm in XXXX XXXX, ga ( information provided by an wells fargo agent ). The agent told me everything was done online. 
This individual/individuals then made 4 check deposits ( not one check in my name or signed by me ). The individual/individuals them was able to connect my business checking and savings to my personal checking account. I never commingle business and personal funds, as the banking activity will show. They manage to transfer funds from business checking and savings to my personal account and withdraw {$4800.00} from business checking and {$700.00} from business savings. We never got an fraud alert, a notification, text or phone call, alerting us to any fraudulent activity. These culprits was able to credit my account with false checks and unauthorized transfers to rob me and my husband blind, taking from our business. These individuals went through every account listed and not one fraud alert came through. 
These individuals name on this unauthorized checks are XXXX XXXX and XXXX XXXX ( information provided by wells fargo ) after pressure was applied. 
I proceeded to tell the wells fargo agent of my whereabouts which six other people can account for me and if needed I can provide a police report. I NEVER AUTHORIZED OR ALLOWED ANYONE TO USE MY PERSONAL INFORMATION FOR BANKING. I HAVE SPOKEN WITH NINE DIFFERENT AGENTS TO RESOLVE THIS MATTER. ONE AGENTS TOLD ME THEY CLOSED THE CASES WITH LITTLE TO NO EXPLANATION OR RESOLVE. I TOLD THEM TO REOPEN THE CASES. NOT ONE INVESTIGATOR CALLED OR EMAILED FOR MORE INFORMATION. WELLS FARGO AGENT THEN PROCEEDED TO TELL ME THE CASES WERE CLOSED BECAUSE THE TRANSACTION CAME FROM MY PHONE. Two different explanations with no real investigation does not sit well me. Speaking with someone personally in cybersecurity, he was able to give me some insight on how my phone may have been cloned and could have happened when i connected to a different wifi.

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 2025-06-21 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: NC

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to Equifax, under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within fouXXXX business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sent money to a scammer on XX/XX/year> through paypal with my cash app card and the transaction was reversed by paypal and i was issued a refund. The amount was {$98.00}. On XX/XX/XXXX, Paypal says it was refunded and sent back to my card issuer ( which is XXXX  ) and that it was competed and processed by card issuer ( which is XXXX  ) on XX/XX/XXXX. I contacted paypal and XXXX  more than several times and was told by paypal they sent the money its nothing they can do and told me to call XXXX. I contacted XXXX  several times and was told by them that they didnt receive no funds and no refund is supposed to come back to my card even though the proof is in the paypal app. Both apps claimed they dont have my money and wont help me. I was told by XXXX XXXX  agents to dispute the transaction on XXXX  and i did and i was denied. I still havent received my money and the date today is XX/XX/XXXX. its been more than XXXX calendar days to receive my refund. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXXXX/XX/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 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 2025-06-23 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: GA

Complaint narrative:
I submitted a written identity theft dispute to TransUnion, Experian, and Equifax under FCRA 605B ( 15 U.S.C. 1681c-2 ), along with a valid FTC Identity Theft Report and proper identification. The law requires the credit bureaus to block the fraudulent information within 4 business days of receiving the request. They have not.

I identified multiple items that are clearly the result of identity theft and misuse of my personal information, including : A fraudulent auto loan from XXXX , which was tied to a rescinded contract and is falsely reported as a charge-off A collection by XXXX XXXX, which has never been validated despite years of disputes A closed credit card ( XXXX ) that continues to report 41 months of derogatory late payments Over a dozen unauthorized hard inquiries, including from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and others Incorrect personal information, including an address and employer I never authorized These items are not mine. I never gave written authorization for these inquiries or accounts. The continued reporting of this information violates federal law.

I am demanding immediate enforcement of FCRA 605B and full removal and permanent blocking of all fraudulent accounts, inquiries, and inaccurate personal information. Continued failure to comply constitutes willful noncompliance and opens the door to legal action.

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 2025-06-23 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: FL

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Equifax and XXXX XXXX XXXX XXXX XXXX for continued reporting of a collection account ( original creditor : XXXX XXXX that has been illegally re-aged. 

The Date of First Delinquency is XX/XX/XXXX, but the Balance Date and Status Date were updated to XX/XX/XXXX, misleadingly portraying the account as recent. This violates : FCRA 15 U.S.C. 1681i ( a ) : No proper reinvestigation was conducted.

Metro 2 guidelines : Reporting dates have been altered without actual activity.

Despite prior disputes, no documentation has been provided to verify these changes. I request that the CFPB investigate this matter and compel Equifax and XXXX XXXX XXXX  to remove or correct the account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: NY

Complaint narrative:
Ordered XXXX ( XXXX # XXXX ) via ZIP on XX/XX/XXXX. XXXX marked delivered XX/XX/XXXX, but package never arrived. XXXX initially agreed to refund, then reversed stance without explanation. ZIP repeatedly assured me on XXXX that the merchant had reversed the charge. After five agents and conflicting statements, another agent I was transferred to confirmed on XX/XX/XXXX that no reversal exists and that I remain liable for future installments. 

I've tried my hardest working this out with XXXX, but after they lied about processing a refund ( which I provided screenshots of to Zip ), they've been refusing to help. I've been a longtime member of Zip ; I always make my payments on time and try to resolve any issues on my own, but this has been incredibly disappointing. 

There's essentially zero buyer 's protection on their end, which isn't something you want to see as a customer. If I had made the full purchase with my bank, I would've disputed and they absolutely would have had my back and provided my funds the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I was contacted by XXXX with the Bank of America XXXX Department at XXXX ext. XXXX and was advised that there were XXXX XXXX transactions and that an account had been opened by XXXX XXXX in XXXX XXXX, XXXX. XXXX for {$1500.00} and {$3400.00}. 

The {$1500.00} was blocked, but I was advised to send to XXXX XXXX XXXX XXXX in XXXX to block the {$3400.00}. After several transfers to managers XXXX XXXX, and after 2 hours on the phone, I was advised that they had done a fraud test on my other accounts and that they had all been compromised. 

I hung up and called the number on the back of my debit card for Bank of America at XXXX and was transferred to the dispute department. I spoke with a person named XXXX in XXXX  who took all the information and advised me it would take about 10 days before I heard back from them. These people were very believable and even sent text messages to verify they were from Bank of America. They went so far as to give me reference numbers and to use the same on-hold music. I called Bank of America when the transaction was still in the processing state and was under the impression that XXXX with the dispute department could halt this transaction, but she did not. Several hours later, the transaction was processed. 

Today XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that Bank of America was denying the dispute claim even after being a customer for 44 years!

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 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc.
State: NV

Complaint narrative:
" I got a letter that I owe to be paid off {$840.00} that was paid off at XXXXXXXX XXXX XXXX To be paid back by me to NES, that I still owe this amount, and I do not, and would like this removed from NES. ''

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