vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Subject : Formal Dispute of Fraudulent Utility Collection Account Identity Theft Victim Reported To Whom It May Concern, I am formally disputing the validity of the collection account reported under my name by XXXX XXXX in the amount of {$1400.00}, which is falsely associated with a utility bill opened fraudulently in XX/XX/year>. This account resulted from identity theft, as documented in my FTC Identity Theft Report ( attached ), submitted under penalty of perjury on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), I am exercising my right to request the blocking of all information related to this identity theft, including this utility collection account. Additionally, this account was resold to a third-party debt collector without my knowledge or consent, violating 15 U.S.C. 1692e and 1692f of the Fair Debt Collection Practices Act ( FDCPA ), which prohibit deceptive practices and unfair attempts to collect debt not legally owed. 

The continued reporting of this account damages my credit profile and mental well-being. Given the extensive record of national data breachesincluding but not limited to XXXX and othersmy personally identifiable information was compromised and exploited. Therefore, any collection account tied to fraudulent utility services must be permanently deleted from all credit reporting agencies. 

I am demanding immediate deletion of this fraudulent tradeline and a full reinvestigation under FCRA 15 U.S.C. 1681i. Please provide a written response confirming removal, along with any results of your investigation, within the XXXX compliance period. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-07-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Subject : Formal Dispute of Fraudulent Utility Collection Account Identity Theft Victim Reported To Whom It May Concern, I am formally disputing the validity of the collection account reported under my name by XXXX XXXX in the amount of {$1400.00}, which is falsely associated with a utility bill opened fraudulently in XX/XX/year>. This account resulted from identity theft, as documented in my FTC Identity Theft Report ( attached ), submitted under penalty of perjury on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), I am exercising my right to request the blocking of all information related to this identity theft, including this utility collection account. Additionally, this account was resold to a third-party debt collector without my knowledge or consent, violating 15 U.S.C. 1692e and 1692f of the Fair Debt Collection Practices Act ( FDCPA ), which prohibit deceptive practices and unfair attempts to collect debt not legally owed. 

The continued reporting of this account damages my credit profile and mental well-being. Given the extensive record of national data breachesincluding but not limited to XXXX and othersmy personally identifiable information was compromised and exploited. Therefore, any collection account tied to fraudulent utility services must be permanently deleted from all credit reporting agencies. 

I am demanding immediate deletion of this fraudulent tradeline and a full reinvestigation under FCRA 15 U.S.C. 1681i. Please provide a written response confirming removal, along with any results of your investigation, within the XXXX compliance period. 

Sincerely, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: IN

Complaint narrative:
I recently discovered that a fraudulent account was opened in my name without my knowledge or consent. I did not authorize this account, make any charges, or apply for credit with this company. I believe my personal information was used without my permission. I am requesting that this account be removed from my credit report and that all associated inquiries be blocked. I have never done business with this company and have no relationship with them. This is a case of identity theft. 
Applicable Federal Statutes : 15 U.S.C. 1681i : You are required to investigate any disputed information and remove inaccurate or unverifiable accounts within 30 days.

15 U.S.C. 1681s-2 ( b ) : The furnisher ( debt collector/creditor ) must verify the debt or have it deleted.

15 U.S.C. 1681e ( b ) : You must ensure the maximum possible accuracy of information on consumer reports.

15 U.S.C. 1681c-2 : If this debt is the result of fraud or identity theft, you must block its reporting.

15 U.S.C. 1692g : The debt collector must provide proper validation of the debt if requested.

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 2025-07-31 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: MS

Complaint narrative:
I discovered multiple hard inquiries on my Experian credit report from companies I never authorized to access my credit file. These include XXXX XXXX XXXX, XXXX  XXXX XXXX ( multiple entries ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did not apply for credit with any of these institutions and did not give Experian permission to release my report to them. Under the Fair Credit Reporting Act ( FCRA ), specifically 604 ( c ), a credit report can not be accessed without a permissible purpose and my written consent. 

I submitted a written dispute to Experian requesting a reinvestigation, including identification and proof of address, but the inquiries remain. No documentation proving my authorization has been provided. 

These inquiries are harming my credit standing and were not initiated by me. I request that the CFPB assist in having these unverified or unauthorized inquiries permanently removed from my Experian 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 2025-07-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
a XXXX XXXX XXXX  customer from approximately XXXX to XXXX. During that time, I experienced multiple violations that caused significant financial and emotional harm. Specifically : Unauthorized accounts and/or credit lines were opened in my name without my clear consent. I only became aware of these accounts after they began accumulating fees or showed up on my credit report. 
I was charged multiple overdraft and NSF ( non-sufficient funds ) fees on the same transactions, without being given clear notice or an opportunity to opt out. 
I enrolled in a rewards-based credit card, but the rewards ( cashback and bonuses ) were withheld or clawed back without explanation despite qualifying purchases. 
After my accounts were closed, XXXX XXXX XXXXXXXX submitted negative credit information that I believe was inaccurate or related to products I never requested. 
I attempted to dispute these matters with XXXX XXXX XXXX at the time, but no resolution was ever provided. They failed to investigate and did not respond to my concerns. 

These actions caused measurable damage to my credit, financial stability, and personal well-being. I have experienced housing application denials, increased interest rates, and lasting emotional stress as a result.

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 2025-07-31 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: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX CBNA Account XXXX Remains The company that reported the information has certified to XXXX  that the information is accurate. 

This is the message showing that CBNA keeps telling XXXX  that the wrong information is mine. XXXX  will not remove it and keeps piling on even though I've requested several times for them to stop and remove the incorrect information. 

I never opened the account. Literally all of my accounts are paid up. I had an XXXX score, WHY would I open an account and immediately not pay?

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CT

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-30 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: NC

Complaint narrative:
PLEASE SEE SUPPORTING DOCUMENTATION PERTAINING TO EQUIFAX DATA BREACH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00}

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 2025-07-31 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:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-30 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: NC

Complaint narrative:
I HAVE GONE ON THE EQUIFAX DISPUTE SIDE TO UPLOAD MY DOCUMENTS BUT LIKE ALWAYS IT WANT LET ME, I TALKED TO USA OFFICE OF THE OFFICE OF CONSUMER AFFAIRS TODAY AND THEY CLEARED ALL THE CODE AND TOLD ME I COULD NOW UPLOAD THE SUPPORTING DOCUMENTS TO GET THIS XXXX XXXX XXXX ACCOUNT BLOCKED, NOW ITS BEEN 28 HOURS AND ITS STILL NOT LETTING ME UPLOAD ANYTHING BUT JUST DO A DISPUTE WITHOUT SUPPORTING DOCUMENTS, I HAVE NO TIME FOR A 30 DAY DISPUTE SINCE IM GOING TO LOAN CLOSING ON MY NEW HOUSE ON XX/XX/XXXX, IF THIS ACCOUNT ISN'T BLOCKED I WILL LOSE MY DOWNPAYMENT OF XXXX AND LOSE MY LOAN WITH THE BANK. I HAVE CALLED THE OFFCIE OF THE CONSUMER AFFAIRS AGAIN AND THEY SAID NOTHING IS HOLDING THE UPLOADS UP, SHE KEPT LOOKING FOR SOMETHING TO SEE WHAT IT COULD BE BUT COUNLD'NT FIND ANYTHING, BUT IT STILL WANT LET ME UPLOAD ANYTHING, I WILL HALF TO TAKE LEGAL ACTION NOW TO PROTECT ME FROM LOSING MY DOWNPAYMENT AND LOAN FOR MY HOUSE. I HAVE GONE THOUGH THIS NONSTOP OF UPLOADING SUPPORTING DOCUMNETS WITH EQUIFAX SINCE XXXX OF XXXX AND THEY CAN'T FIGURE IT OUT, XXXX XXXX XXXX  ACCOUNT IS FRAUD AND I HAVE SENT SUPPORTING DOCUMENTS TO EQUIFAX AND ITS BEEN BLOKCED OVER XXXX TIMES AND XXXX XXXX KEEPS SAYING ITS MINE WHEN THEY EVEN RESPOND TO THE CFPB ITS A FRAUD ACCOUNT AND RESPONDED TO THE COURTS ITS DEEMED AS FRAUD AND IM NOT RESPONSIBLE FOR THE THE DEBT OR THE FRAUD ACCOUNT WITH XXXXXXXX XXXX EQUIFAX WANT LET ME HAVE A FAIR DISPUTE AND SHOW THE SUPPORTING DOCUMNETS TO PROVE THAT THIS XXXX ACCOUNT IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : 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 2025-07-30 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
This is a continuation of a previously submitted CFPB complaint involving XXXX  and XXXX. Due to the system 's limit of three companies, I am filing this second complaint to address the same legal violations committed by the furnishers listed here : Affirm Inc, XXXX XXXX, and XXXX. 

I have active security freezes on all major secondary consumer reporting agencies, including : XXXX XXXX XXXX XXXX ( merged with XXXX ) XXXX XXXX XXXX ( XXXX-owned ) XXXX XXXX These furnishers have continued to report and/or verify derogatory information despite the fact that they had no legal or technical ability to verify my identity or disputes. This is a clear violation of the FCRA and FACTA.

Affirm Inc ( 2 accounts ) : Both accounts were charged off and remain on file. Verification is impossible with secondary bureaus frozen, and no proof was ever provided. 

XXXX  XXXX ( 2 open accounts ) : I am not disputing the existence of the accounts, but I am disputing the late payment history reported and verified multiple times. Verification could not have legally occurred, as the bureaus used to verify late payment behavior were frozen. 

XXXX / XXXX : This charged-off account continues to report, and the furnisher falsely verified it despite frozen third-party data sources. 

These companies are being reported both to the CFPB and to the Georgia Attorney General for potential enforcement under the Georgia Fair Business Practices Act ( FBPA ).

Applicable federal violations include : FCRA 604 No permissible purpose due to frozen files FCRA 611 Failure to conduct proper investigations FCRA 623 ( a ) Reporting unverifiable/inaccurate data 15 USC 1681n & 1681o Civil liability for willful and negligent noncompliance FACTA 312 ( implied ) Verification not possible with security freezes in place

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
This is fraud. Money was taken pit of my account and sent to someone for there XXXX bail. I got XXXX  a couple days ago and these XXXX girls stole my phone. 
They sent money to themselves and even went as far as stealing my purse. Keys. And pepper sprayed me. I dont even know anybody in jail let alone the lady it was sent to. Why is XXXX $ of my money bring taken out of MY ACCOUNT. I have XXXX kids and I am a sigle struggling mother. i dont even send or spend on big purchases like that and when i asked XXXX for a refund and disputed it. They refused. EVRN THOUGH THEY ALLOWED IT TO HAPPEN. I homestly dont know what else to do

Company response to consumer: Closed with explanation