vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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 XXXX05B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MI

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX/XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 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: PA

Complaint narrative:
The XXXX XXXX account being reported on my credit file is inaccurate, contradictory, and unverifiable. 
The account is reported as Closed while also listed as In Collections/Charge-off.

The payment status is marked as No Info while also flagged derogatory. 
The account was opened XX/XX/year> and closed XX/XX/year> ( 3 months ), yet is reported with a {$4100.00} balance that is unsupported by billing records. 

I previously disputed this account. The dispute remark was removed, but no lawful verification was ever provided. This violates : FCRA 607 ( b ) : Credit bureaus must ensure maximum possible accuracy.

FCRA 611 ( a ) ( 7 ) : I am entitled to the Method of Verification.

I specifically requested : 1. The original signed XXXX XXXX contract. 
XXXX. A complete billing ledger showing how the {$4100.00} balance was calculated. 
XXXX. Proof of XXXX current ownership or assignment of this debt. 
XXXX. Copies of any default or collection notices mailed to me.

5. Any IRS Form 1099-C if the debt was written off.

6. The Method of Verification : who verified the account, what documents were reviewed, and how verification was conducted.

None of this information has been provided. The continued reporting of this account is unverified, inaccurate, and misleading.

Resolution Requested : If XXXX and the credit bureaus can not provide the above documentation, this tradeline must be permanently deleted from all consumer credit reports. If lawful verification documents do exist, the tradeline must be corrected to remove contradictions and accurately reflect the true account status and balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: PA

Complaint narrative:
The XXXX XXXX account being reported on my credit file is inaccurate, contradictory, and unverifiable. 
The account is reported as Closed while also listed as In Collections/Charge-off.

The payment status is marked as No Info while also flagged derogatory. 
The account was opened XX/XX/year> and closed XX/XX/year> ( 3 months ), yet is reported with a {$4100.00} balance that is unsupported by billing records. 

I previously disputed this account. The dispute remark was removed, but no lawful verification was ever provided. This violates : FCRA 607 ( b ) : Credit bureaus must ensure maximum possible accuracy.

FCRA 611 ( a ) ( 7 ) : I am entitled to the Method of Verification.

I specifically requested : 1. The original signed XXXX XXXX contract. 
XXXX. A complete billing ledger showing how the {$4100.00} balance was calculated. 
XXXX. Proof of XXXX current ownership or assignment of this debt. 
XXXX. Copies of any default or collection notices mailed to me.

5. Any IRS Form 1099-C if the debt was written off.

6. The Method of Verification : who verified the account, what documents were reviewed, and how verification was conducted.

None of this information has been provided. The continued reporting of this account is unverified, inaccurate, and misleading.

Resolution Requested : If XXXX and the credit bureaus can not provide the above documentation, this tradeline must be permanently deleted from all consumer credit reports. If lawful verification documents do exist, the tradeline must be corrected to remove contradictions and accurately reflect the true account status and balance.

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 2025-09-08 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: MD

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX BANK Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FXXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: OLD NATIONAL BANCORP
State: FL

Complaint narrative:
I moved out of state. Old National Bank does not have a branch physically close to me. I tried moving funds electronically but they locked my account. I tried calling their customer service to move funds ; they won't help. I tried to close my accounts and they will not allow me to close an " inactive '' account. I did not open an account with Old National ; they acquired a bank that acquired the bank that I opened an account with. Now they want to charge me fees for an inactive account that I can not access and they will not unlock. I just want to move my money out of that horrible bank!

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 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-08 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 account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
On XX/XX/year>, I sent XXXX a written demand and dispute letter by email. In that letter, I disputed the accuracy of the {$2500.00} payoff they claimed I still owed and requested : XXXX. A corrected and itemized payoff balance showing principal and reasonable interest, excluding unlawful or excessive fees. 


XXXX. Written confirmation of the exact location of my vehicle title, including whether it is controlled by any out-of-state bank or third-party lienholder. 


XXXX. Confirmation that upon payment of a lawful payoff balance, XXXX would immediately release its XXXX and return my title to the Michigan XXXX of XXXX. 



XXXX never responded to this demand. The only thing they provided was a generic payoff quote, without any accounting, itemization, or confirmation of XXXX release. 

The companys recent response in the CFPB portal did not address this XX/XX/XXXX demand at all. Instead, their response appeared to focus on other complaints I raised, including ( XXXX ) the predatory nature of the loan and ( XXXX ) violations of no contact status by a supervisor threatening repossession after the XXXX XXXX XXXX had confirmed the account was on no-contact. 

Because XXXX has never addressed my actual payoff/accounting dispute, the matter remains unresolved. I am requesting that the CFPB record that XXXX failed to provide a corrected payoff, itemized accounting, or title confirmation as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received a text message when I was at work about a purchase made at XXXX with my atm. I responded no they called me I didnt realize it wasnt a Bank of America number until it was to late. She made me think she was a fraud boa teller. She asked me the last XXXX of my social or account so I provided. She was then reading off charges to see if they were me. She asked XXXX that I wasnt sure what it aaa she put me on hold and then I looked on my phone in my app of boa to see what she was looking at. When it opened my checking and my savings was now {$0.00} dollars. She never clicked back over and I hung up and called boa fraud right away and put a claim in. Claim went through and I got the money back. Then XXXX came around and they retook the money back and said to bad. I spoke with a supervisor and she said she knows I was deceived but its on me. I have had such financial hardship Im not eating because I cant afford too. I have been so stressed out and sick to my stomach. Please help

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section XXXX [ XXXX XXXX Code XXXX ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX XXXXate : XX/XX/XXXX SXXXX Date : XX/XX/XXXXXXXX XXXXXXXX XXXX  Date : XX/XX/XXXX TXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I had a direct deposit in thee amount of {$40000.00} from XXXX for a car purchase. I later went to the car dealership to purchase me a brand new car for the amount of {$38000.00} which when I wire transfer the money over I received a notification stating of my funds be reversed back to my account with a restriction on my account at the same to the funds show available. I contact Sofi security team as asked press prompt # XXXX spoke with rep who stated they will get back with me in 24 hr no call so I contacted them back for them to tell me the the restriction will be off on Monday I ask why was there a restriction my account they couldnt answer. Now I called today XX/XX/XXXX th which still no answer regarding why the account has still be on hold told me the would have to close my account without giving me any reason why they are investigating my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-08 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IA

Complaint narrative:
I had an item that was purchased from someone who had a business account with Chime. The amount of the item I had for sale was {$200.00}. The buyer sent the {$200.00} to my personal Chime account and Chime held the transaction. Since XX/XX/XXXX, I have been trying to get Chime to take care of this situation. They have not. The buyer is also out an additional {$500.00} because Chime told the buyer he must pay an additional {$500.00} because my Chime account is not a business account. 
Since XXXX, I have had numerous text messages between the agent " XXXX '' and myself regarding this issue. The issue still is not solved. I do not have my {$200.00} and the buyer has not received his {$500.00} back. 
I have attached the conversations via a word document from the agent and myself.

Company response to consumer: Closed with explanation