vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed inaccuracies as well as unauthorized accounts and information on reporting on my credit report. These remarks are detrimental to my life as well as my credit health. According to 15 usc 1681 l have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the original contract bearing my signature and explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IN

Complaint narrative:
Company claims they are a subsidiary of a XXXX XXXX XXXXXXXX and are not subject to federal or state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
I am disputing the accuracy of the payment history and current status of my account with XXXX. The account was opened in XX/XX/XXXX as an unsecured installment loan with a total credit of {$4500.00} and was paid off in full as of XX/XX/XXXX. 

Despite this, my credit report inaccurately shows a XXXX late payment in XX/XX/XXXX and a remaining balance of {$970.00} with a past due amount of {$560.00}. I have never missed a payment on this account, and all payments were made on time according to my records. The account should reflect a {$0.00} balance and a status of Paid or Closed.

I request that this inaccurate information be corrected across all credit reporting agencies. This reporting error is negatively impacting my credit profile and does not reflect my actual payment history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report with Experian is the result of identity theft and should be blocked : Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my Experian credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent content. 
Several times I have contacted Experian regarding these fraudulent accounts, but they have not provided me with a solution. This situation is directly impacting my financial progress and my ability to stabilize my living conditions. Ive been working hard to build a better future, and seeing these fraudulent items remain on my Experian report is holding me back from moving forward with serious personal goals, including providing a secure place to live. 
I have requested contracts from these companies showing any agreement or authorization with my information, and for more than 60 days I have received no response. I respectfully ask that these accounts be removed immediately. 
I am attaching the FTC report, and I hope that you will make a fair decision regarding my situation. 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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been with Wells Fargo for 4 years now and the fraudulent charges started 6 or 7 months ago on my account and now there are huge fraudulent charges. On XX/XX/year> somebody accessed my account through the mobile app and deposited three fraudulent checks totally {$400.00} and withdrew that money it overdrew my account by {$400.00} because the checks did not clear. I know that it was imposters presenting themselves to me on the phone from XXXX XXXX alone company. They were asking all of my information to get me approved for a loan they were very pushy and I talked to three different people the main person was XXXX XXXX and the other XXXX XXXX with a phone number of XXXX. They repeated my information to me they had my information so they can probably be the only people that could impersonate me and make adjustments to my account like that. It's funny they said there was approved for a {$7000.00} loan I haven't seen a XXXX of that all I've seen is my bank account drained. In the last 7 months between all of my bank accounts and like XXXXXXXX XXXX XXXX I have invoices for charges are of {$700.00} {$800.00} that were not me so somebody got my identity. Please help however you can I already submitted one complaint on my first account with Wells Fargo this is on the new account with Wells Fargo.

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 2025-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing this complaint to report that American Express National Bank ( Amex ) has unlawfully closed my high-yield savings account, falsely accused me of fraud, and is currently withholding my legitimate funds in violation of multiple federal consumer protection laws. 

Timeline of Events : I deposited a check from XXXXXXXX XXXX into my American Express high-yield savings account.

The check took approximately five business days to clear and for the funds to become available.

On the day the funds were marked as available, I attempted to initiate a transfer to my XXXXXXXX XXXX account. 
The transfer was rejected. Upon calling Amex, I was told that my account had been suddenly closed and that I needed to contact XXXX to reissue the check, under the false claim that the check was never cashed or valid. 
However, I later confirmed directly with XXXX, who provided written proof that the check was successfully cashed by American Express the next day after deposit.

When I called Amex again with this evidence, I was forced to go through identity verification and even had to initiate a three-way call with XXXX to prove that the external transfer was being sent to an account under my name. 
After complying with all requests, I was told that Amex had closed my savings account because they incorrectly believed it didnt belong to me, despite all proper documentation, matching names, and account verification. 
I have still not received my funds, and Amex informed me that it could take an additional XXXX weeks to issue me a check, even though they already cashed and accepted the original funds. 

Legal Concerns : Based on these events, I believe American Express has violated multiple federal laws and regulatory standards, including but not limited to : 1. Regulation E Electronic Fund Transfer Act ( 15 U.S. Code 1693 ) Failure to complete or properly investigate a legitimate and authorized funds transfer request. 
Unjustified account closure without notice and in violation of the consumers right to access their own funds. 

2. Truth in Savings Act ( 12 CFR 1030 ) Misrepresentation of when funds would be made available and accessible.

Failure to uphold transparency regarding funds availability and account terms.

3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Dodd-Frank Act Section 1036 ( 12 U.S.C. 5536 ) False claim that my deposited check was not cashed. 
Unjust delay in returning my legally deposited and cleared funds. 
Improper account closure based on unverifiable or unsubstantiated reasoning. 

4. Right to Access Funds As the rightful account holder, I was denied access to my funds without valid cause.

Amex failed to follow proper procedures to verify account ownership before freezing or closing the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 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 filed a dispute with EQUIFAX included the identity theft report and they will not remove or block this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) for my Credit Card account , which has been reported as charged-off on my credit report.

According to IRS regulations ( Section 6050P of the Internal Revenue Code ), financial institutions are required to issue Form 1099-C if a debt of {$600.00} or more has been canceled or forgiven. I am requesting a copy of this form for my records and to fulfill my tax obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-26 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: PA

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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following account on my credit report : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( as shown on the report ) I am disputing this account as inaccurate and unverifiable. The account is being reported as " Derogatory, '' and the " Worst Status '' is listed as " Unknown, '' which I believe is a reporting error. The account shows a XXXX balance and a closed date. I am requesting that you provide me with documentation and proof of the validity and accuracy of this debt.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602, it is the purpose of the FCRA to ensure consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, and relevancy. The reporting of this inaccurate account violates this principle. 
I am requesting that you conduct a thorough reinvestigation of this account. If you can not provide me with verifiable proof that this account is accurate and belongs to me, I demand that you immediately remove this negative and inaccurate information from my credit report. 
I have enclosed a copy of my identification and proof of address for verification purposes. 
Please be advised that if this unverifiable and inaccurate information is not removed, I will not hesitate to take further action to protect my consumer rights. 
Sincerely, 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 2025-06-26 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following account on my credit report : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( as shown on the report ) I am disputing this account as inaccurate and unverifiable. The account is being reported as " Derogatory, '' and the " Worst Status '' is listed as " Unknown, '' which I believe is a reporting error. The account shows a XXXX balance and a closed date. I am requesting that you provide me with documentation and proof of the validity and accuracy of this debt.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602, it is the purpose of the FCRA to ensure consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, and relevancy. The reporting of this inaccurate account violates this principle. 
I am requesting that you conduct a thorough reinvestigation of this account. If you can not provide me with verifiable proof that this account is accurate and belongs to me, I demand that you immediately remove this negative and inaccurate information from my credit report. 
I have enclosed a copy of my identification and proof of address for verification purposes. 
Please be advised that if this unverifiable and inaccurate information is not removed, I will not hesitate to take further action to protect my consumer rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$14000.00} INQUIRIES : 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