vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
My wallet and phone was stolen, I have access to my debit on all accounts because they are saved on my XXXX account. Chime and XXXX bank account has been stolen from. My XXXX  told me my money wasn't adding up so I went about looking at my statements and discovered these unauthorized trying. I been banking with both banks for many years and I recently had alot of money come into account and somehow someone or something is doing transactions that I have not authorized adding up to almost XXXX dollars between both accounts. XXXX that really stands out is a dollar general transactions that was used by debit almost XXXX dollars was taken on one transaction XXXX XXXX  account I did not do that transaction nor did I authorize it. If someone does there diligence they will factually see that i was never using my debit at Dollar general for XXXX dollars. That's just one of many I have many more I'm going to dispute because I don't look at my bank statement very often but I will in the future I have bills to pay and I want my money returned. I can also say that right now as I speak you can look at my chime account and see that there is XXXX cent transactions that are pending these are unauthorized transactions. Money has been taken from my account through debit in person or online. Most of the transactions I conduct personal is XXXX or with cash app. If there is a XXXX transaction of more than XXXX dollars i did not authorize it. Anything to do with clothes books shoes apparel or temu on either account I did not authorize transaction. I want someone to do there honest do diligence and look into this matter because it's alot of money that is taken from me and I have very important legal bills that need paid I need my money back. This is ridiculous. I have frozen my account so nothing not even self is going to use until this is resolved with chime bank. XXXX is still investigating as they seem to be a better bank and actually looking into these unauthorized transactions. Chime didn't do there diligence because I just dispute the transactions a day ago and I look at email this morning to see that they made a determination. There is no way they looked into it they just assumed by certain activities on my account that it's not fraud. That's not good enough I need my money back somebody has my debit and account info and my money has been stolen. Thank you sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: AR

Complaint narrative:
Dear Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
I have contacted Mohela multiple times to receive an update on the status of my pslf refund. I never receive an answer. My pslf was processed on XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One closed my secured credit card and refunded my security deposit, but there was still a balance of about {$100.00}. I made a payment of {$54.00} to reduce the balance, but then a {$40.00} late fee was added. This brought the balance back up to {$89.00}. 

I have never requested a late fee waiver before with Capital One. When I called to ask for a one-time courtesy waiver, which most banks provide, representatives told me that they do not have a way to waive it because the account is closed. This seems misleading, as Capital One clearly has the ability to reverse fees for active accounts, and I only want to pay off the balance cleanly without unnecessary fees stacking up. 

I am requesting that the {$40.00} late fee be waived so I can pay the actual remaining balance and resolve this account in full. I want to settle this matter directly, but Capital Ones refusal leaves me with no choice but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i complianed to you and company to remove,,, they responded they have no record of this accont owed in my name but yet they have not removed it XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing regarding the following credit account I held with XXXX XXXX XXXXXXXX : Account Type : Credit Card Status : Closed in good standing After filing a recent dispute to remove hard inquiries from my credit report, the credit reporting agencies accidentally deleted my closed XXXX XXXX  XXXX account from my reports. I kindly request that you re-report this account to the three major credit bureaus ( Equifax, XXXX XXXX XXXX  ) as it is a legitimate part of my credit history and I would like it to be reflected accurately. Please find attached copies of documents supporting my relationship with this account Thank you in advance for your assistance in correcting this matter. 

I have requested the removal of the hard inquiries that appear on my Equifax report, which I do not recognize, except for XXXX XXXX and XXXX. 
XXXX XXXX XXXX  have already removed them, but Equifax has not yet done so. 
I would like the following inquiries to be removed : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cash app won't let me have a account. They claim i went against terms. But I didnt .. my phone was stolen and hacked. Someone kept getting into my email and bank accounts. But I use cash app to send money with family and I cant use it at all now...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX CERTIFIED MAIL - RETURN RECEIPT REQUESTED Account No. : [ Account number provided by the collector ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX To Whom It May Concern : This letter is in response to your communication dated [ Date of their communication ], regarding a debt you claim I owe. Be advised that this is not a refusal to pay, but a demand for validation made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
I dispute this debt and request that you provide competent evidence to validate your claim that I have a legal obligation to pay. Until the debt is validated, you must cease all collection activities, including any reporting of this account to credit bureaus. 
I am requesting the following proof of debt : The name and address of the original creditor. 
A copy of the original contract or other instrument bearing my signature that proves my responsibility for this debt. 
A complete, itemized breakdown of the account, including the amount and nature of any additional interest and fees. 
The date the original creditor claims this debt became delinquent.

Verification that this debt is within the statute of limitations for legal action in my state.

Proof that you are licensed to collect debts in my state, including your license number.

If you have already reported this account to any credit reporting agency, you must inform them that the debt is disputed. You may not take any further action to collect this debt until you have mailed me the verification requested above.

Your cooperation in this matter is appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: TN

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Dear TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: FL

Complaint narrative:
I am writing to express my absolute outrage and profound hurt regarding the recent actions taken against my Square account. This is not merely a business dispute ; it is a personal and financial injustice. On XX/XX/year>, I opened my account and, to ensure full compliance, spent a significant amount of time on the phone with a Square customer service representative. The representative explicitly confirmed that my small business was fully compliant with your guidelines and that my account was completely set up. I even informed them of the specific {$1500.00} transaction I was expecting, providing screenshots and proof. 
On XX/XX/XXXX, the representative again directly assisted me in resolving a payment issue, verifying the customer 's payment link and guiding me through the process. There was nothing suspicious about this transaction ; your own employee was a witness to its legitimacy. Yet, the moment the payment was received, my account was deactivated for " suspicious activity '', and my funds were placed on a 90-day hold. 
This is a direct contradiction of the guidance your own team provided. I feel violated, as if I have been robbed of my hard-earned money. That money was the payoff from a personal investment in my business, and it is vital for me to pay my bills and cover my son 's urgent dental expenses. This is not a loss I can afford. You have all the proof you need to see that I am a legitimate business owner, yet you are treating me like a criminal. This action is malicious, unacceptable, and has caused me immense financial and emotional distress. I demand that you release my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TN

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three 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
Consumer complaint received 2025-09-21 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: TN

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three 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 non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
FORMAL COMPLAINT AGAINST PAYPAL -- -- - Forwarded Message -- -- - From : XXXX XXXX To : XXXX XXXX Sent : Saturday, XX/XX/XXXX at XXXXXXXX XXXX XXXX Subject : Re : Case ID XXXX : Please contact your financial institution FORMAL COMPLAINT AGAINST PAYPAL THIS IS TO FILE A FORMAL COMPLAINT AGAINST PAYPAL FOR ILLEGALLY TO PROVIDE A CREDIT TO MY PAYPAL ACCOUNT AND IMPACTING THE PAYPAL ACCOUNT OF RECIPIENT XXXX XXXX. 

ON XX/XX/XXXX I SENT PAYPAL RECIPIENT AN AMOUNT OF {$620.00} FEES TOTAL {$640.00} ON XX/XX/XXXX A DISPUTE CLAIM WAS FILED WITH MY FINANCIAL INSTITUTION ( XXXX XXXX  ). 

ON XX/XX/XXXX I CANCELED AND CLOSED OUT MY DISPUTE WITH MY FINANCIAL INSTITUTION ( XXXX XXXX  ). 

ON XX/XX/XXXX MY FINANCIAL INSTITUTION ( XXXX XXXX  ) ISSUED A TEMPORARY CREDIT FOR ON MY VISA CREDIT PENDING DISPUTE RESOLUTION IN THE AMOUNT OF {$640.00}. 

ON XX/XX/XXXX, I CALLED XXXX XXXX  XXXX DEPARTMENT AND ADVISED THEM I WAS CLOSING OUT MY DISPUTE. 

ON XX/XX/XXXX XXXX XXXX  CLOSED OUT MY DISPUTE AND REVERSED THE PENDING CREDIT AND XXXX XXXX  RECHARGED MY VISA CREDIT CARD THE ORIGINAL AMOUNT OF {$640.00}. 

PAYPAL NEVER CORRECTED THEIR RECORDS OR THE PAYPAL ACCOUNT OF XXXX XXXX. 

ON XX/XX/XXXX I SENT VIA PAYPAL XXXX XXXX FUNDS OF {$400.00} ON XX/XX/XXXX I SENT VIA PAYPAL XXXX XXXX FUNDS OF {$200.00} THE PROBLEM IS PAYPAL NEVER CLEARED OR CREDIT HIS PAYPAL ACCOUNT FOR THE ORIGINAL DISPUTE I CANCELED OF {$640.00} WITH MY FINANCIAL INSTITUTION ( XXXX XXXX  ). 

AS THIS ERROR BY PAYPAL, CAUSED THE {$400.00} AND {$200.00} PAYMENTS I SENT ON XX/XX/XXXX TO AUTOMATICALLY OFFSET TO WRONG INCORRECT BALANCE OF XXXX XXXX 'S PAYPAL ACCOUNT. 

XXXX IS IN IMMEDIATE NEED OF THE {$400.00} AND {$200.00} I SENT TO HIM ON XX/XX/XXXX. 

THIS IS ILLEGAL OFFSET OF FUNDS IS CAUSING AN UNDUE HARDSHIP FOR THE RECIPIENT. 

PROCESS AND RELEASE THE {$400.00} AND {$200.00} PAYMENT I SENT TO XXXX XXXX ON XX/XX/XXXX. IMMEDIATELY I HAVE CONTACTED PAYPAL 3 TIMES TO GET THIS RESOLVED AND TO THIS DAY IT HAS NOT BEEN RESOLVED. 

PLEASE FIX THIS PROBLEM IMMEDIATELY TO AVOID FURTHER FORMAL COMPLAINT BEING FILED AGAINST PAYPAL WITH FEDERAL CONSUMER PROTECTION AGENCIES. 

PLEASE ADVISE ME OF THE STATUS. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear TransUnion 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

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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WV

Complaint narrative:
Ive gotten over a total of $ XXXX in withdrawals about $ XXXX in transactions when I got a call that my account was closed I looked on the account and saw that all my money was gone so Ive been calling chime for about a year they keep telling me I cant do anything but thats against my rights to have my money just taken like that and proper help it was a total of $ XXXX missing and Im having to call and talk to a robot for hours and give my personal information just for them to not solve my case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Experian Information Solutions Inc.
State: PA

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 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 2025-09-21 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: PA

Complaint narrative:
Dear Equifax 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

Company response to consumer: Closed with explanation