vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I am disputing the following account and inquiry because they appear inaccurate or do not match my records. 

CHARGED-OFF ACCOUNT UNAUTHORIZED COLLECTION XXXX XX/XX/XXXX {$360.00} INQUIRIES DEPT OF ED XX/XX/XXXX LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The stated information conveys an incorrect representation of my financial performance. I respectfully request that it be reviewed and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: FL

Complaint narrative:
On XX/XX/XXXX KeyBank at XXXX XXXX XXXX, XXXX XXXX, NY XXXX allowed an unauthorized individual to remove {$5600.00} from an account. That documentation was later declined by KeyBank 's legal department as it should have. 
Keybank is now saying that they had the proper legal documentation to have had release the funds in response to my first complaint. 
Okay, I want KeyBank to send me copy of the paperwork that shows that person was a commissioned Guardian. The only way Keybank could have released the funds was if she was a commissioned guardian so as the POA on the account I am asking for the documents to be released to me. Id like a copy of the documents along with a copy of their procedures regarding guardianship access to show me how that matched their requirements to process the transaction. 
What is so very odd, is that I was told by KeyBank that they declined the guardianship paperwork, but now when I am investigating it they changed their story to state they accepted it. 
Show me the paperwork and the bank guidelines that it met and I will peacefully drop this case. 
KeyBanks own lawyer refused to speak to the guardianship lawyer on this case. Instead they chose to speak to the lawyer that was well aware that she did not have a commission and that her temporary guardianship authority had expired months prior. 
I am so very disappointed in Keybank at this point. Im not surprised though since I brought this up to them in XXXX and the only way I can get them to respond appropriately is through these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NV

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 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 2025-11-24 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 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan under account name ; XXXX XXXX XXXX under account # XXXX, opened on XXXX with a balance of {$900.00}. 
A account under XXXX  XXXX, account # XXXX, opened on XXXX with a balance of {$110.00}. 
A account under XXXX XXXX, account # XXXX, opened on XXXX with a balance of {$2800.00}. 
Account named XXXX XXXX XXXX, account # XXXX, opened on XXXX with a balance of {$0.00}. 
Account under XXXX XXXX account # XXXX, opened on XXXX with a balance of {$670.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my FICO consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC identity Theft Criminal Complaints # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
I have reached out to the creditor on multiple attempts to remove inaccurate late payments resulting in closing account, with no response from creditors. Inaccurate reporting for XX/XX/year> stating that the payment was 30 days past due and XX/XX/year> stating that the payment was 90 days past due which is impossible and inaccurate. Due to the incorrect reporting it violates my rights granted by the Fair Credit Reporting Act ( FCRA 602, 607, 609, and 611.

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 2025-11-24 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 submitting this correspondence as formal notice disputing the accounts identified. I did not authorize or originate them and claim no association. I respectfully request their removal and examination. Attached are supporting records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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 am a victim of identity theft. Several fraudulent and inaccurate items are appearing on my Experian report that I did not authorize or open. 

Fraudulent Accounts on Experian Report : XXXX XXXX Date Opened : XX/XX/XXXX Capital One Date Opened : XX/XX/XXXX Incorrect Reporting : XXXX XXXX XXXX Experian is reporting a late payment for XX/XX/XXXX, but my payment was deferred that month.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Tying into my other active complaint with XXXX XXXX XXXX XXXX, I had completed a withdrawal request on XXXX and specifically put in my XXXX information. Even though I put in my XXXX information, the funds were still sent to a Chase account ending in XXXX that I closed and do not have any access to. Ive requested my funds back from XXXX as I did give my permission or any consent whatsoever for funds to go to this financial institution. XXXX has not responded and has not returned my funds that they unlawfully obtained. Im asking for my funds to be recalled by XXXX XXXX XXXX XXXX as I did not authorize any funds to go to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I have tried to open a claim for unauthorized transactions since XX/XX/year> by phone and through email. I called Current on XX/XX/year>, and they did not have a dispute on file. Then, they hung up on me after being on hold for XXXX minutes. I have emailed all the info they have asked for through email over XXXX times, and I still can't get anyone to help me. My phone was stolen, my mail was stolen, and my card was used to make XXXX transactions phone was stolen sometime after XX/XX/year>, while I was at a treatment center. I sent the police report and all the items they needed. No actions have been taken by the company other than emails asking me the same thing over and over

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I respectfully ask that you investigate and remove these accounts, which I did not open or authorize. Supporting materials are enclosed to assist your review.

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 2025-11-24 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:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NATIONAL ASSET MORTGAGE, LLC
State: IL

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I received a collection call and voicemail from National Asset Mortgage ( XXXX ) at XXXX. XXXX has repeatedly attempted to collect on a void and fraudulent contract based on a non-existent property address ( XXXX XXXX XXXX ) and forged deed filed outside escrow, which has been the subject of multiple regulatory complaints. XXXX has no Illinois debt collection license, confirmed in writing by the Illinois Department of Financial & Professional Regulation ( Case XXXX ), and they are not registered as a consumer credit provider, mortgage servicer, or installment contract holder. XXXX also never filed a servicing transfer, is not listed XXXX XXXX records as owner or servicer, and has no legal servicing rights. XXXX obtained and used my SSN and personal data without permissible purpose, as shown in documents XXXX provided referencing searches through XXXX XXXX and XXXX XXXX despite me submitting FTC identity theft reports and written notices disputing the debt. XXXX continues collection activity after being notified that : 1. The contract is void due to escrow breach and forged filings 2. Identity theft reports were filed 3. The NC Attorney General is investigating related parties for ownership fraud ( XXXX ). This collection attempt violates : FDCPA ( false representation of authority, identity, and debt ownership ) FCRA ( impermissible access to credit data ) RESPA ( unlawful servicing transfer ) Illinois Collection Agency Act ( unlicensed activity ) NAM is knowingly attempting to collect on a fraudulent instrument and using my stolen personal information to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo refuses to help me restore my account, they give me run around and merely blow Me off and push me to the side because of skin 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 2025-11-24 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, I've been communicating with XXXX XXXX | Loan Officer and XXXX XXXX - from AmeriSave. I submitted all the initial docs. they need. This is for XXXX. HELOC loan, and my house is paid for. There is plenty of equity, so I was assured via phone that I will have no problem getting the HELOC since I'm only asking 7 % of the total value of the home. We went through the normal process. Our credit score is good enough and our income is also good enough. He assured me we will be good to go with the paperwork. All I have to do is LOCK THE RATE. Here 's the catch : I have to pay a NON REFUNDABLE FEE of {$500.00}. I thought this was ODD, but XXXX assured me that I will have no problem getting the LOAN, as this is a small loan amount and I have so much equity. I proceeded and paid the {$500.00}. Now, they all of a sudden they wanted my company 's Profit and Loss, company 's 2 years INCOME TAX RETURN, 2 years personal tax return, and my husband 's CHILD SUPPORT COURT DOCUMENTS and DIVORCE DOCUMENTS! The divorce occurred 20+ years ago, Child support ended this past XXXX, and Payroll company already testified that the child support mandate is lifted and is no longer active. Now they want the JUDGE RELEASE DOCS! I don't understand all of this. What does my company have to do with my personal home? I can't tell the Judge to hurry up and give me the release docs because Amerisave wants it! 
This morning, AmeriSavXXXX asked me for a SURVEY. I provided them with an honest survey and expressed my frustration, then all of a sudden, I just got a call, a few minutes ago, that I do not qualify and I can not get my {$500.00} back as it is non-refundable! I GOT SCAMMED by AmeriSave. I asked for my money back, and XXXX said NO!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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:
This entry is inconsistent with my established financial record. I respectfully request that it be reviewed and amended as warranted.

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 2025-11-24 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
I dispute these items due to inconsistent dates, potential misreporting of balances, duplicated accounts, and inaccuracies that make the reporting unreliable. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$1600.00} LATE PAYMENTS REPORTED XXXX XXXX XXXX XXXXXXXX I dispute these as inaccurate because of differences in dates, conflicting balances, and questionable ownership transfers that can not be verified.

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 2025-11-24 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: PR

Complaint narrative:
My personal information was exposed in one or more major national data breaches, which included highly sensitive identifiers such as my Social Security number, date of birth, address history, and other permanent elements of my identity. Federal agencies including the FTC, CFPB, and CISA have confirmed that individuals impacted by these breaches face a significantly higher risk of identity misuse, fraud, and inaccurate credit reporting. 
As a result of this exposure, unauthorized third parties were able to use my compromised information to create, alter, or manipulate accounts and inquiries within my credit file. I did not authorize, open, or consent to any of the items listed below : Accounts to be removed : Account Name : XXXX, Account Number : XXXX To document the incident, I filed an FTC Identity Theft Report ( FTC Report Number : XXXX ) confirming the compromise of my personal information. Despite notifying the credit bureau and invoking my rights under the FCRA, these inaccurate and unauthorized items remain on my file, continuing to cause harm, confusion, and security concerns. 
The credit bureau has failed to properly block, reinvestigate, or delete this fraudulent information, even though the FCRAspecifically sections 1681c-2 ( a ), 1681e ( b ), 1681i, and 1681g ( a ) requires these actions when a consumers personal data has been compromised.

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 2025-11-24 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: AR

Complaint narrative:
I am disputing the accounts and late payment listed below because I believe some of the information may be incomplete, inaccurate, or not properly verified. Please conduct a full FCRA investigation. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This correspondence serves as my formal objection to the listed accounts. I did not create, approve, or affiliate with them. I request prompt removal and detailed review. Relevant documents are provided.

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 2025-11-24 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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