vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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 am demanding the removal of this incorrect and misleading information from my credit report. It blatantly violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Under Section 604 ( a ), you are only permitted to allow access to my credit report for specific, permissible purposes. Im questioning whether this data even meets that standard.

Under Section 611 ( d ), any unverifiable information must be removed from my credit report during the reinvestigation process. I expect a thorough and immediate review of this data, and the deletion of anything you can not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Complaint Description : I am writing to file a complaint regarding my experience as a victim of identity theft between XXXX XXXX XXXX and the subsequent difficulties I have faced in resolving related issues with my checking account and credit card payment. 

Background : I became a victim of identity theft, which led to fraudulent activity in my checking account. As a result, my checking account was closed, and I was forced to open a new one. Despite my efforts to resolve the situation with the bank and notify the necessary parties, the impact on my credit continued to worsen. 

Credit Card Payment Issue : After my account was closed, I had a new account set up. However, my credit card company was unable to process a payment because of the changes to my account information, and I ended up with a payment that was more than 30 days late. I immediately explained this situation to the company, along with the fact that the late payment was directly caused by the identity theft and the account transition. 

Despite my explanation and supporting documentation ( such as police reports, proof of identity theft, and account statements ), the credit card company refused to remove the late payment from my credit report. 

Interaction with Credit Bureaus : I also reached out to the credit bureaus to explain the situation, providing all relevant documentation that demonstrated the late payment was due to circumstances beyond my control. Unfortunately, the credit bureaus have declined to remove the late payment from my credit report, despite my efforts to have them understand that this issue arose due to identity theft and the resulting complications. 

Attached Documents : Please see attached documents for a full description of the situation, including : A letter I submitted to the credit bureaus, Proof of identity theft, and A statement from XXXX XXXX regarding my credit card accounts. 

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 2025-03-28 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Complaint Description : I am writing to file a complaint regarding my experience as a victim of identity theft between XXXX XXXX XXXX and the subsequent difficulties I have faced in resolving related issues with my checking account and credit card payment. 

Background : I became a victim of identity theft, which led to fraudulent activity in my checking account. As a result, my checking account was closed, and I was forced to open a new one. Despite my efforts to resolve the situation with the bank and notify the necessary parties, the impact on my credit continued to worsen. 

Credit Card Payment Issue : After my account was closed, I had a new account set up. However, my credit card company was unable to process a payment because of the changes to my account information, and I ended up with a payment that was more than 30 days late. I immediately explained this situation to the company, along with the fact that the late payment was directly caused by the identity theft and the account transition. 

Despite my explanation and supporting documentation ( such as police reports, proof of identity theft, and account statements ), the credit card company refused to remove the late payment from my credit report. 

Interaction with Credit Bureaus : I also reached out to the credit bureaus to explain the situation, providing all relevant documentation that demonstrated the late payment was due to circumstances beyond my control. Unfortunately, the credit bureaus have declined to remove the late payment from my credit report, despite my efforts to have them understand that this issue arose due to identity theft and the resulting complications. 

Attached Documents : Please see attached documents for a full description of the situation, including : A letter I submitted to the credit bureaus, Proof of identity theft, and A statement from Comenity Bank regarding my credit card accounts. 

COMENITY AMERICAN EXPRESS BREAD ACCOUNT : XXXX COMENITY SEPHORA ACCOUNT : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Complaint Description : I am writing to file a complaint regarding my experience as a victim of identity theft between XXXX XXXX XXXX and the subsequent difficulties I have faced in resolving related issues with my checking account and credit card payment. 

Background : I became a victim of identity theft, which led to fraudulent activity in my checking account. As a result, my checking account was closed, and I was forced to open a new one. Despite my efforts to resolve the situation with the bank and notify the necessary parties, the impact on my credit continued to worsen. 

Credit Card Payment Issue : After my account was closed, I had a new account set up. However, my credit card company was unable to process a payment because of the changes to my account information, and I ended up with a payment that was more than 30 days late. I immediately explained this situation to the company, along with the fact that the late payment was directly caused by the identity theft and the account transition. 

Despite my explanation and supporting documentation ( such as police reports, proof of identity theft, and account statements ), the credit card company refused to remove the late payment from my credit report. 

Interaction with Credit Bureaus : I also reached out to the credit bureaus to explain the situation, providing all relevant documentation that demonstrated the late payment was due to circumstances beyond my control. Unfortunately, the credit bureaus have declined to remove the late payment from my credit report, despite my efforts to have them understand that this issue arose due to identity theft and the resulting complications. 

Attached Documents : Please see attached documents for a full description of the situation, including : A letter I submitted to the credit bureaus, Proof of identity theft, and A statement from XXXXXXXX XXXX regarding my credit card accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: IL

Complaint narrative:
Please take immediate action to block and remove the unauthorized accounts from my credit report. I did not initiate these accounts, nor am I aware of their origins. Under USC 1681g, I formally request their removal within 15 days. Enclosed are relevant documents for your reference. Additionally, there are inconsistencies in account details being reported across different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
I have multiple Accounts reporting on my credit from this company, all of them are inconsistent and inaccurate. Many of them are reporting a balance of {$0.00} but XXXX have a balance of {$340.00}. Self is a subscription that help you build credit by reporting the monthly payments to the bureaus while saving those payments for you and release them to you once the subscription period is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NJ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 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 seven 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 2025-03-28 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:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2025-03-28 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: FL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze my credit immediately.

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 2025-03-28 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: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Sofi bank hasnt been fair to me and instantly denying my disputes that were unauthorized and scams and fraud and refusing to give me my money back and always saying no error occurred I disagree with these decisions and live on a monthly social security XXXX check. Im very upset about this and the whole Sofi dispute process of no error occurred after many appeals and documents uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I called about a credit reporting concern that stated that Nordstrom reported my account XX/XX/XXXX days late to experian. I called and asked to speak to the department that handles that and I was told that Nordstrom did not report this and does not report any account late until XX/XX/XXXX days. I asked if I could have that in writing and was told no that I would have to dispute it with the credit reporting agency and they would fix it. I disputed it and made a complaint with the CFPB about XXXX reporting inaccurate information. The dispute results came back saying that the creditor verified this information as accurate so I am making a complaint with the creditor about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX and XXXX account was supposed to be erased from report as XX/XX/year> as stated on XXXX report. After disputing account the on record date was removed and balance was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XXXX XX/XX/year> I met a personal banker at Wells Fargo to start the process of adding my name to my mother 's checking account as her guardian and conservator. My father, the previous guardian and conservator, died in XXXX. The banker was XXXX XXXX and he did a good job. I am not complaining about him. 

The next week, he called me to say the accounts were now connected. Lovely. He also said I could call Wells Fargo and have them issue me a debit card for the account or I can visit a branch. 

Well, on Sunday, XXXX XXXX I called Wells Fargo customer service three times. Each time I was told I need to visit a branch. one person, XXXX, kept me on hold for 20 minutes before announcing I had to visit a branch. I feel like they are treating me like a criminal and just being raging bell ends.

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 2025-03-28 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: MOHELA
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to contr
ol access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is regarding dispute XXXX with American Express XXXX It involves an issue with merchant stockx where I received a damaged item, sent photo proof of the damaged item I received, and then I used the merchants return label to deliver the damaged item back. The ups tracking for the return even said RECEIVED by XXXX. The merchant provided me the return label. If their merchants return carrier lost it or misdelivered the return for the damaged item that is not my fault or my problem. I am still owed my money back. American Express does not believe I returned the item even though I used the merchants own return label and have photo evidence of that as well. American Express is being XXXX towards me due to my XXXX race and discounting my evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 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. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXXXXXX** Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$400.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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 recently submitted a dispute because Im deeply concerned about an account on my credit report that appears to be inaccurate and incomplete. Its clear that a proper investigation wasnt done, and the incorrect information is still being reported. This situation has been incredibly stressful for me, and Im feeling completely overwhelmed and discouraged.

Please, I need your helpI dont know what else to do, and this is taking a serious toll on my life. Also, I want to make it absolutely clear that I am the one submitting this dispute personally, not a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
In XX/XX/year> XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX hard inquiries on my credit report and did not have my authorization. They are ruining my credit and need to remove them immediately from 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In XX/XX/year> XXXX XXXX. Credit Acceptance and XXXX XXXX XXXX hard inquiries on my credit report and did not have my authorization. They are ruining my credit and need to remove them immediately from 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 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, Bank of America Small Business Credit Card withdrew {$1200.00} out of my checking account to pay off the overdue balance on my credit card. This was done without my permission or any advance notice.

This amount was intended for my rent, and now I am behind on my rent payments. I am currently facing financial difficulties and can not pay the credit card at this time. While I understand the importance of settling debts, this does not give the bank the right to debit my checking account and take money without my explicit consent.

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