vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} Unauthorized Inquiries to Be Deleted : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please assist in removing these accounts, which I did not authorize. They seem to be fraudulent in nature. Supporting documentation has been attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing the accuracy and completeness of the information being reported by Equifax for the above account. 
This account is being reported as charged off, but I do not have any verifiable record or documentation supporting this status or balance. 
I am requesting that Equifax conduct a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ) 611 and provide documentation verifying that this account was lawfully charged off and that the reported balance, dates, and account details are accurate. 
If the furnisher can not verify the accuracy with supporting evidence, I request that this account be deleted from my Equifax credit file. 

Accounts in Dispute : XXXX XXXX Account # XXXX Reported Charged Off on XX/XX/2021 Balance : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transaction are not information related to any transaction by me as a consumer : XXXX - XXXX XXXX XXXX LP XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I even attempted my own search, see attached screenshots, and was unable to find any such records through the official justice of the peace website for all of XXXX XXXX. Not when searched for via company name or my own name. 
In order for you to be in compliance with 15 USC 1681-c-2 and 12 CFR 1022 Regulation V.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXXm seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hereby dispute the referenced accounts as fraudulent. I never authorized their opening, and I request their immediate removal from my record along with a full investigation. Supporting proof is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing the accuracy and completeness of a collection account appearing on my XXXX  credit report under XXXX XXXX XXXX XXXX ( Acct # XXXX ). Upon review, this account contains multiple factual errors that violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 )

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified charged-off accounts appearing on my Experian credit report. I have previously disputed these items, but Experian continues to report them without providing adequate verification. 

The accounts in question are : XXXX  XXXX Multiple accounts ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) Reported charged off between XX/XX/XXXX and XX/XX/XXXX XXXX # XXXX Charged off XX/XX/XXXX XXXX, # XXXX Charged off XX/XX/XXXX XXXX # XXXX Charged off XX/XX/XXXX XXXX, # XXXX Charged off XX/XX/XXXX XXXX XXXX, # XXXX Charged off XX/XX/XXXX, Balance {$1800.00} XXXX XXXX, # XXXX Charged off XX/XX/XXXX XXXX XXXX XXXX, # XXXX Charged off XX/XX/XXXX XXXX XXXX {$8700.00} XXXX, # XXXX Charged off XX/XX/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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the inaccurate and incomplete reporting of the following charged-off accounts. Under the FCRA, I request that Experian conduct a thorough investigation into these accounts for possible inaccuracies or incomplete reporting. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account appears as charged-off, but the full account details, including payment history, are not adequately provided for verification. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Discrepancy : The reporting of this account as a charged-off balance lacks sufficient evidence of the accounts actual status and payment history. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Discrepancy : There is insufficient information to verify this accounts charge-off status. I request a more thorough investigation to ensure compliance with FCRA 607 and 611. 

Inquiries : XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Repeated calls all throughout the day - constant emails- threaten legal action and trying to sue me- has not provide any clue ownership of debt - company obtained debt for another company without legal permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute two fraudulent inquiries that appear on my credit report. These inquiries were made without my knowledge or authorization and are clear signs of identity theft. I have never applied for credit with these companies, nor have I given consent for them to access my credit file. I previously contacted Experian, and a representative assured me that these fraudulent inquiries would be deleted yet they still remain on my report. This ongoing issue is deeply distressing and continues to cause me unnecessary anxiety and concern for the safety of my personal information.

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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
Zelle does not provide any means of customer support to help with technical issues. There is no phone number, email, not even a physical address, or other means of contacting them to help with technical issues. The " contact us '' page, simply tells you to talk to your bank. My bank does not handle the money transfer and background functions of the Zelle transfer and are unable to assist. 

Consumers have been forced to use Zelle for transfers with no means of support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
They are charges XX/XX/XXXX all the out of network charges someone stole my wallet and my cards and information was in there and thats how they was able to access everything. I have gotten a police report and I gave chime that and they are now closing my account and not helping me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please accept this letter as a formal dispute concerning the accounts identified. I have no known association with them and did not authorize their creation. I request a thorough review and their removal. Documentation is attached for verification.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America closed both accounts and refuses to offer any internal repayment modification, despite the accounts being current and never delinquent. They insist we must use a third-party agency, which increases cost and risk. We are requesting a direct payment arrangement with a reduced APR.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX My bank account was closed due to suspicious activity. Closed with a {$12000.00} balance. 

In the meantime I'm trying to get a hold of my balance since the cashier 's check never came in the mail going on 2 months now. 

XXXX XXXX- XX/XX/XXXX Constantly calling and showing up to the branch in person on a daily basis. The branch manager at the time his name was XXXX and he was always refusing to give me my money. Saying he is not going to give me the money until I go to my other bank that issued me the check and get proof from the other bank that there was sufficient funds to cover my check. 

XX/XX/XXXX XXXX informed me that my money from my closed account was put in a general ledger and since I couldn't bring him the information that he requested from the other bank the money was going to stay in the general ledger and after 3 years I can pick it up from the state as an unclaimed money. 

In the meantime I'm waiting for those 3 years so I can claim my money... 

XX/XX/XXXX I give the bank branch a call to find out XXXX doesn't work at this XXXX anymore he stopped working shortly after my last encounter with him in the middle of XXXX. 

I speak with XXXX the new branch manager who informs me that she does not see my money in any of the ledgers in her bank. And also tells me that my money got debited out somewhere she can see that the money got debited out but she can not see where it got debited out to. 

XXXX XXXX XX/XX/XXXX The next couple interactions with XXXX she was just refusing to give me any information about my money or my closed account or my whereabouts of where the money got debited out to. She then tells me that there's an investigation going on and I need to give her some information so she can give to the agency that's investigating me. 

I comply and I answer her questions and I provide her with the documentation that her back team of Investigations needed. This documentation included a copy of a bill of sale and a copy of transfer of vehicle title that concluded the deal for the transaction of {$12000.00} I received in a check and deposited in my bank. 

XXXX XXXX NOW I call XXXX and at this point I'm fed up with all this running around. She tells me that the documentation I gave her is not sufficient cuz I need the originals but what she doesn't know is that the buyer has the original copies I just have copies of the original papers. But that's how transactions go between buyers and sellers the buyers keep the original paperwork because they turn them into the XXXX. It's been almost 3 years since I deposited {$12000.00} into the US Bank branch and I still havent received a penny or a location of my funds.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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