vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX  XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
AFFIRM INC XX/XX/year> I am filing a complaint regarding an unsecured installment loan reported by Affirm Inc. in the amount of {$250.00}. I do not recall authorizing or completing any transaction that resulted in this loan under my name. I only became aware of this account after reviewing my credit reports and receiving notifications of an outstanding balance. 

I have attempted to review my Affirm account and any related email communications to understand when this loan originated, but I remain unclear on how it was approved or disbursed. I am concerned that it may have been processed in error or possibly without my full awareness or consent. 

I reached out to Affirm requesting full documentation of the origin of this loan, including dates, IP address logs, and any authentication used to approve the transaction. However, I have not received adequate verification to confirm it is legitimately mine. I am worried about the impact this unverified debt is having on my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
-- - NOTICE TO CEASE UNAUTHORIZED REPORTING AND DISCLOSURE OF PRIVATE CONSUMER INFORMATION Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) ( 4 ), it is established that consumer reporting agencies bear grave responsibilities and are required to act with fairness, impartiality, and respect for the consumers right to privacy. As the Consumer, I am asserting my rights under federal law.

Equifax and Experian are consumer reporting agencies ( CRAs ) under the law. I am the consumer to whom the reported information pertains. Under 15 U.S.C. 6801, financial institutions and furnishers of information have a continuing obligation to protect and maintain the confidentiality of my nonpublic personal information.

Further, 15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ) makes it clear that a consumer reporting agency may only furnish a consumer report with the written instruction of the consumer. At no time have I given written authorization to Equifax, Experian, or any furnisher to report or disclose my personal information. Any previous consent, whether written, verbal, implied, or assumed, is hereby formally revoked.

According to 15 U.S.C. 6802 ( b ) - ( c ), a financial institution may not disclose nonpublic personal information to any nonaffiliated third party without first providing the consumer with the opportunity to opt out. No such notice or option was ever provided to me, and as such, any disclosures made are in violation of federal law.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports that is more than seven years old, excluding criminal convictions. Any such outdated item currently reported is unlawful and must be removed immediately.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no entity may furnish information to a CRA that it knows or should reasonably know is inaccurate. And under 15 U.S.C. 1681e, CRAs are legally obligated to maintain procedures to avoid violations and to ensure consumer reports are furnished only for lawful purposes. Equifax and Experian have failed to maintain such procedures.

Lastly, as codified in 12 C.F.R. 1016.7, I have the right to opt out of the disclosure and sharing of my personal information at any time. I am hereby exercising that right and demanding immediate cessation of all reporting, sharing, or furnishing of my personal, private, or financial information to any third party without my express written consent.

This letter serves as formal notice and legal demand. Continued reporting or disclosure of my information without compliance with the above-referenced statutes will be considered willful noncompliance, subject to enforcement and remedies under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Text from Radius Global Solution LLC that I owe debt collection. Ask for name, cell #, DOB and social last XXXX. Then wanted address. I stopped him and ask what it debt or collection owed. He could not tell me, said need more information to identify me. I then hung up. Radius Global Solution LLC is a scam. I have no collections. My score are XXXX across all XXXX bureaus. They just the worst and should be de-licensed to do business.

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank erroneously reported me to XXXX XXXXXXXX after I was a victim of fraud and identity theft. US Bank allowed an individual/individuals to take over my account and withdraw all my money and then reported me to XXXX XXXXXXXX. US Bank allowed individuals to change my online banking information, my email address and my phone number and drain my accounts, once this was discovered I immediately went into the branch and reported this situation to them. They then proceeded to close my account and report me to XXXX XXXX knowing I was a victim of identity theft. I provided them with all the necessary documentation in regards to the theft.

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I was approached by XXXX men as I loaded my car at the grocery store. They asked for a {$20.00} donation. I gave them my credit card and after distracting me, I gave them my phone as well. They proceeded to charge my credit card with XXXX {$5000.00} transactions totally {$50000.00}. I realized something was wrong and called Bank of America ( BofA ) to report it less than an hour after it occurred. They said I would have to wait for the charges to hit before they could do anything. After speaking to them, I called the police and filed a police report. The crime was even on the local news because I was not the only victim. 
I filed a fraud claim and went back and forth with BofA as they denied it because the chip was used. I finally spoke with someone in customer service who said I needed to file it as a billing dispute, because BofA 's definition of fraud means the perpetrator did not have the physical card. 
On XX/XX/year> customer service told me that the merchant description of PP * on my bill meant that it was a XXXX charge. I called XXXX and they did a reverse look up with my credit card number and could not find any charges made to my card. 
After sending BofA details of what happened and waiting on them to contact the merchant, they are now denying my billing dispute claims. When I called to ask what evidence they gathered from the merchant, I was told nothing. That I needed to provide a sales receipt so they could dispute the charge. I don't have sales receipt for the {$20.00} donation. I would like to see what evidence they have that I purchased something for {$50000.00}. 
Also, my credit limit was increased by {$20000.00} at the time of these transactions so now this {$50000.00} is more than my current credit limit. Their response as to why this occurred was because I have been such a great customer for 37 years and have such great credit, that they increased it on the spot. Now my credit score is affected because I owe more than my credit limit.

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 monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am writing to file a formal complaint against American Express ( Amex ) for unlawfully and abruptly closing my credit card accounts without notice or justification. 

Background : I have been a loyal Amex cardholder for several years, maintaining an excellent credit history and consistently making on-time payments. 

I have never violated any terms of service, committed any form of abuse, or carried a negative balance. 

On XX/XX/year>, Amex suddenly shut down all of my 5 credit cards without any prior warning or follow-up explanation. 

Since then, I have contacted American Express multiple times via phone and email. Yet they have consistently failed to provide any concrete reason, justification, or documentation supporting their decision. I remain in the dark regarding the basis for this drastic action. 

What is deeply concerning is that several of my friendsalso of XXXX descentwho share similar strong credit profiles have experienced the same abrupt account closures by Amex. None of them engaged in any prohibited behavior, nor have they been given any explanations. This pattern raises grave concerns of possible discrimination, particularly with respect to surnames common in the XXXX community. 

Impact : My credit score has been significantly harmed. 

I can no longer use my cards for travel, daily purchases, or emergencies. 

I am now deprived of credit access that I have reliably managed for years. 

Desired Resolution : Immediate reinstatement of all my closed Amex credit card accounts. 

A full, written explanation detailing the specific reasons for account closures. 

Confirmation of any wrongdoing or policy violation on my partevidence-based and documented. 

Restoration and adjustment of any adverse effect on my credit report resulting from these actions. 

I believe American Express has acted unfairly and possibly illegally by closing my accounts without justificationpotentially exhibiting discriminatory behavior based on ethnicity. I respectfully request that the CFPB intervene, investigate this pattern of unexplained American Express account closures, and ensure restitution and corrective measures. 

Please let me know if you require additional documentation : credit history, card statements, correspondence, or phone call logs. I appreciate your timely attention to this alarming matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: DC

Complaint narrative:
Robinhood has frozen my account and has pushed the unfreeze date back another XXXX  days despite me providing all requested documents. After I sent documents on XXXX, they rerequested the same documents on XXXX. Communication is extremely poor. I do not have access to the almost XXXX in my spending account. They claim the freeze is for safety and security but, I have proved my identity twice now ( they've done this once before in XXXX  ). I need access to my money to eat and live and to pay bills. I have no gas, no food. Im not sure how much longer I can live this way. I've told Robinhood and they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation