vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I am a victim of identity theft and am submitting this complaint to address fraudulent information appearing on my credit report from Equifax. I discovered this identity theft on approximately XX/XX/XXXX and have already filed a complaint with the Federal Trade Commission ( FTC ) under complaint number XXXX. The identity theft began on XX/XX/XXXX. 

I did not authorize anyone to use my name or personal information to seek money, credit, loans, goods, or services described in this report. I did not receive any benefit, money, goods, or services as a result of the events described in this report. To the best of my knowledge and belief, I suspect that my information was stolen by a professional business service or individual who provided consumer and business loans for immigrants or individuals without identities. I suspect this online company used my personal information or identification documents to get money, credit, loans, goods, or services without my knowledge or authorization. An identity thief has stolen my identity and has opened accounts in my name. I am willing to work with law enforcement. 

Specifically, the following fraudulent accounts and unauthorized inquiries are appearing on my Equifax credit report and are being disputed : Accounts I am disputing as fraudulent and unauthorized on Equifax : Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX XXXX, Account : XXXX  Opened Date : XX/XX/XXXX. 
Name : XXXX XXXXXXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX XXXX Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXXXXXX XXXX Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX XXXX XXXX Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX XXXX XXXX  Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 
Name : XXXX XXXX XXXX, Account : XXXX, Opened Date : XX/XX/XXXX. 

Inquiries I am disputing as unauthorized on Equifax : Vendor : XXXX XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX. 
Vendor : XXXX XXXX, Date : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AZ

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Tried to get XXXX XXXX XXXXXX/XX/XXXX. They sent box and tracking info for something delivered to another state. I called and spoke to numerous people and said if box wasnt here by new year I would not ge interested in the service any longer. Many calls to XXXX for tracking and double billing for service and box I never received. New box came XX/XX/XXXX. I called and returned promptly and all fees were supposed to be taken care of. A manager was scheduled to call me XX/XX/XXXX at XXXX to confirm XXXX balance and cancelled account. I never received call Have called numerous times to get this taken care of do that I could get new service and have been run around to a collection agency and back to billing and frontier customer retention and sales. No resolutions

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I saw the XXXX transactions was charged without authorized by me. There was XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  - {$62.00}XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$62.00}, XXXX XXXX XXXX XXXX XXXX XXXX. I logged in the Chase app, claimed the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MS

Complaint narrative:
I am writing to formally dispute and request reinvestigation of the following accounts appearing on my Experian credit report : Disputed Accounts : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$9500.00} 2. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$21000.00} These accounts may have been reported inaccurately or without proper verification. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a reinvestigation of any item I believe is incorrect. If these accounts can not be fully verified with original source documentation, they must be promptly deleted from my credit file.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I discovered that my bank card had been unexpectedly blocked. Upon visiting the bank, I spoke with a representative who informed me that my account had been closed without my knowledge, and my funds had been frozen. This lack of communication from the banking institution is deeply concerning.

Despite my persistent efforts to resolve the issuevisiting three different branches and engaging with both customer service and their managementI have not found a resolution. I was told that a check would be sent to me by XX/XX/XXXX and that my account would be permanently closed on that date. However, when I called customer service on the XXXX, I was shocked to learn it would take an additional 15 days for me to receive my funds.

This situation has left me without the means to pay for essential expenses such as bills, daycare, groceries, and gas to get to work. This is not only unfair but also completely unacceptable. I urge you to address this matter promptly so that I can regain access to my funds and meet my obligations.

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 2025-06-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NJ

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Branch Messenger, Inc.
State: IN

Complaint narrative:
Im an XXXXXXXX XXXX and my earnings are automatically deposited into an XXXX XXXX Card account issued by XXXXXXXX XXXX XXXX XXXXXXXX. On XX/XX/year>, I transferred {$160.00} from that account to my personal bank and was charged a {$3.00} transfer fee. This fee appears to be percentage-based and varies depending on the amount transferred. 

I also want to note that on XX/XX/year>, I was charged a {$2.00} fee to transfer just {$64.00}. Thats nearly 5 % of my earnings, just to access the money Ive already worked for. These types of fees disproportionately harm lower-income drivers who rely on quick access to their earnings for essential daily expenses. 

Previously, XXXX allowed instant transfers from the Driver app to a personal bank account for a flat {$0.00} fee. That option has now been replaced by a system that funnels drivers into an XXXX  debit account with unclear, percentage-based fee structures and limited flexibility for withdrawals. This new system is neither transparent nor fair, especially considering this money has already been earned and taxed. 

Additionally, both XXXX and XXXX have made it difficult to locate or submit formal feedback or complaints regarding these fees. The terms and costs associated with transferring funds are not clearly presented to drivers unless they initiate a transactionat which point its often too late to opt out. 

The fee structure is opaque, inconsistently applied, and seems designed to penalize drivers who need timely access to their income. This is not only unfairit is unethical. 

I believe these practices are predatory, particularly for gig workers who rely on daily payouts to survive. I request that this fee structure be fully investigated and that XXXX and XXXX be held accountable for failing to disclose it in a clear and honest manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to report an issue with an account from Bank of America ( originally opened XX/XX/XXXX and closed on XX/XX/XXXX ). Despite being closed for over XXXX years, this account continues to report monthly missed payments through XXXX and XXXX as recently as XX/XX/XXXX. 

This reporting creates the false appearance that I am currently delinquent on an account that was closed long ago, and it is materially harming my ability to secure housing. I have been denied multiple apartment applications due to what looks like recent credit mismanagement, when in fact this is outdated, misleading information. 

I am requesting that : The creditor cease reporting ongoing delinquency on a closed account, The tradeline be corrected to reflect its true last activity date ( in XXXX ), and If they can not verify accurate reporting consistent with FCRA guidelines, the tradeline should be removed entirely. 

I ask that this matter be investigated and resolved immediately. Please let me know if you require additional documentation.

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 2025-06-20 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: CA

Complaint narrative:
On or about XX/XX/year>, I received an email alert from Experian that I had an inquiry made on my credit report. Since I wasn't the one who authorized anyone to pull my credit, I immediately called Experian to have them remove the hard inquiry off of my credit file on the basis of fraud. The representative told me that he could not remove the inquiry and that it would remain on my creidt profile for 2 years. He encouraged me to contact XXXX XXXX  and provided me with their contact 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$200.00} Open Date XX/XX/XXXX XXXX Balance : {$130.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX {$930.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$330.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$280.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  I received a letter from XXXX XXXX XXXX that I owed Paypal Credit {$1100.00}. I have never had an account with any Paypal. 

I then began receiving phone calls requesting payments. I explained they had my name and address correct but that I never had a PayPal account, then they finally told me if I felt this was a case of fraud to get a police report and get paperwork filled out at the XXXX XXXX and have it notarized. 

Also, this original bill was sent in my name but to an unknown address. 

I have the police report and now I need to file this report with you to gett it notarized and sent to the company, This week I also received a letter from XXXX XXXX stating I owed XXXX XXXX {$140.00}. Again this is not me. I have never heard of this company. When I spoke to them they told me just to send a copy of the police report. 

Please assist me. 
Thank You,

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 2025-06-20 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I reviewed my credit reports from the XXXX major credit bureaus ( TransUnion, Experian, and Equifax ) and found multiple accounts that are inaccurately reported, outdated, or unverifiable. These accounts are negatively impacting my credit profile and do not reflect the accurate status of my credit history. Despite attempting to resolve these discrepancies directly with the credit bureaus, I have not received proper validation, verification, or correction of the disputed items. The following issues were found : Multiple charge-off accounts are listed without proper validation or supporting documentation. Several accounts appear to be duplicate listings across different bureaus with inconsistent statuses. Some accounts still reflect delinquent or late payments even though they were paid off, settled, or are currently in good standing. A few accounts were never authorized or do not match my known credit activity. XXXX or more accounts were marked as dispute resolved consumer disagrees without providing the requested documentation. I have submitted disputes under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), but have yet to receive an appropriate resolution or deletion of unverifiable accounts. This situation is preventing me from qualifying for necessary financial services, including housing and auto financing.

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