vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$15000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank has NEVER responded to my fraud submission other than I dont know which is no answer. I filled out a 6 page Fraud Report to XXXX XXXX at Chase Bank which I have never received a reply or response. An XXXX from the Chase Executive Office called, left a message. I returned the call same day with no return call to me from him. My loan limit was {$49000.00} and the scammers were able to remove money from my account to the amount of {$140000.00} with Chase not stopping the withdrawals and the only answer I got was, I dont know when I asked why. Now I am paying close to $ XXXX in order not to default and keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN & EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
My name is XXXX XXXX. Over the last 3 weeks, my accounts have been frozen multiple times. At least 5 times. I was told that my ID needed to be verified. After being a customer for over 32 years, they don't know who I am? They have outdated verification systems, they wanted to verify me at an old number, so I updated my number. Each time I call, they either say they can't verify me, or I call back and they can verify me, they get my accounts going again ( giving me access ) and then, normally within about 24 hours, it all goes wrong again/ I get locked out. 

I have tried contacting corporate, and they followed up with me two times, but just like when I call their fraud dept / customer level people, the corporate said they would fix it and they do, but only for about a day and then it goes back to being locked again. 

This is the worst banking experience I have ever received, there is no one that will ever follow up with me, it's always on me to call them and wait and spend so much time. I have literally spent over 40 hours trying to fix this and I have the utmost confidence that they have NO way to fix the problem.

I need a real IT person to look at my account and take all the flags off of it, take all the alerts off of it, make it work properly like it used to. 

I need help!

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 2025-10-02 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights.

I demand immediate deletion of the following fraudulent accounts XXXX XXXX XXXX XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I am requesting that you verify that a permissible purpose was provided for this hard inquiry that you are reporting. Otherwise, DELETE. 

XXXXXXXX XXXX XXXXXXXX This account is reported inaccurately. Simply look at the details, as it is reported differently across the bureaus. Please correct this or remove it entirely. 

XXXX XXXX XXXX XXXXXXXX You have violated the United States Code, 15 U.S.C. 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. 

Therefore, under th

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I already submitted a complaint against portfolio recovery systems which was back on XXXX, and yes they said they would respond but in 60 days which my paycheck will still be garnished which they did not do it legally because i never received anything from them stating this. The debt was on my credit report but they did the garnishment illegal. This company was sued before by u CFPB because of illegal work practices and it was settled in XXXX  because a fund was set up to repay people who were being taken advantage of from this company. Well they are still doing it because it happened to me. Nothing has been resolved and they will still get the money because they are going to wait out the 60 days until they are paid in full. To me this was a waste of time and this company will still be doing deceptive work practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This is with XXXX  billing department. 
On XX/XX/year>, I purchased merchandise at an XXXX XXXX totally {$29.00} On XX/XX/year>, I returned the merchandise of {$29.00} to the same XXXX XXXX XXXX and made additional purchases. 
When I received the bill dated XX/XX/year>, there was no credit of {$29.00}, just the charge for the additional purchases. They had not seen the {$29.00} return. 
On XX/XX/year>, I sent a letter and a copy of the receipt from XX/XX/year> to the billing department requesting the credit of {$29.00}. 
On XX/XX/XXXX they finally gave me credit for {$29.00}. Their system recorded it on XX/XX/XXXX. 
That was a XXXX delay. In the meantime their systems began assessing late and interest fees. Since it was their error, I am not liable for any late/interest charges. 
On XX/XX/year> I sent another letter with another copy of the receipt. 
They replied in a letter dated XX/XX/year> they would give me {$37.00} credit, but I still owed {$74.00}. 
On XX/XX/XXXX, I sent another letter with the receipt copy, stating they needed to manually change their credit to XX/XX/XXXX, not XX/XX/XXXX. 
After contacting the XXXX XXXX XXXX attorney department, I sent them a letter, they designed on XX/XX/year>, demanding resolution in 15 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. 
The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : 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/year>

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 2025-10-02 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: NY

Complaint narrative:
There is an account being reported under my name that I have never authorized or managed. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing this unauthorized account has caused me significant concern. I need immediate clarification on why this account is appearing and who is responsible for reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
n accordance with the Fair Credit Reporting Act ( Complete XXXX XXXX  ) Account # XXXX, XXXX XXXX account number XXXX and XXXX  account number XXXX has violated my rights. 15 US 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 write instructions. All of these accounts need to be removed

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 2025-10-02 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's a legal obligation under the Fair Credit Reporting Act ( FCRA ) that the credit score does not match the other credit bureaus. Can we update everything and ensure it's all up to date? to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

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 2025-10-02 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: GA

Complaint narrative:
I am disputing an XXXX XXXX XXXX Bank account ( Acct ending * XXXX ) that is currently reported as a " XXXX '' with a balance of {$750.00}. 

The reporting is inaccurate because : - The balance is inconsistent across my credit bureau files. 
- The charge-off date does not align with the actual account activity. 
- No documentation has been provided to substantiate accuracy. 

I have mailed disputes directly to XXXX Bank as well as the credit bureaus. Under FCRA 623, furnishers must ensure accuracy of reporting. Failure to verify with full documentation requires deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing an XXXX XXXX XXXX Bank account ( Acct ending * XXXX ) that is currently reported as a " XXXX '' with a balance of {$750.00}. 

The reporting is inaccurate because : - The balance is inconsistent across my credit bureau files. 
- The charge-off date does not align with the actual account activity. 
- No documentation has been provided to substantiate accuracy. 

I have mailed disputes directly to XXXX Bank as well as the credit bureaus. Under FCRA 623, furnishers must ensure accuracy of reporting. Failure to verify with full documentation requires deletion.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

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 TILA US Code 1666B since I was never late.
I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, 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 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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