vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Byrider Franchising, LLC
State: WI

Complaint narrative:
I am writing to formally dispute several fraudulent accounts that have been opened in my name as a result of identity theft and fraud. According to Section 605B of the Fair Credit Reporting Act, I am requesting that these accounts be investigated and subsequently removed from my credit report. The accounts in question are as follows : Creditor Name : CNAC - XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : CNAC XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : CNAC/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX l have not authorized the opening of these accounts, nor have I received any statements or correspondence regarding them. I request that you conduct a thorough investigation into these accounts and provide me with the results as soon as possible. I also ask that you remove these fraudulent entries from my credit file. Enclosed are copies of my identification and any relevant documents that support my claim of identity theft. 
Please confirm receipt of this letter and advise me on the next steps in this process.

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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN. Unable to access account to manage freeze without requesting free credit report. I need to UNFREEZE my Experian account to complete an application process. I want to manage my freeze and am being forced through unwanted promotional gauntlet. I could not accomplish via website. I could not access my freeze via the mobile app. I do have my account credentials and they do not work. EXPERIANS PROMOTIONAL TACTICS ARE PREVENTING ME FROM AN IMPORTANT TRANSACTION. Furthermore, they have my privileged personal information and are holding it XXXX unless I participate in their service marketing tactics. Is this really something that can not be addressed by regulators? Shame on Experian and those who permit their behavior.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Fraudulent Wire Transfers to Accounts at Discover Bank I'm a US resident based in California. I am writing to report that I have been the victim of a wire fraud scam. I was deceived by individuals impersonating XXXX law enforcement who claimed to work with US Financial Crimes Enforcement Network. They claimed that there was an illegal bank account under my name opened in XXXX and threatened me that they were going to deport me and freeze all my bank accounts. They claimed they were working with FinCEN this legal case. I wired the money under the belief that I was cooperating with a " legal '' investigation to ensure my freedom and clear my name. Later I realize this was a scam and the " legal case '' didn't exist, and the accounts I sent money to were controlled by fraudsters. 

I was coerced to make two domestic wire transfers : XXXX on XX/XX/XXXX - $ XXXX, and another on XX/XX/XXXX - $ XXXX. 

After I found out, I called XXXX and reported this crime to the FBIs IC3 ( Internet Crime Complaint Center ). FBI is currently investigating the case and other similar cases. I also called my bank XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX to flag and recall the fraudulent wire transactions. I called Discover Bank on Monday XX/XX/year>, but the associate declined to look into the fraudulent accounts. 

I've attached transaction records and receiving account details. This is a link that FBI published regarding other similar cases targeting XXXX students : XXXX XXXX XXXX XXXX Thank you for your attention to this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OK XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> To : Legal Department JPMorgan Chase Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX ( public contact for complaints ) NOTICE OF DEMAND FOR COMPENSATION UNAUTHORIZED ENROLLMENT IN ADD-ON PRODUCTS & BILLING PRACTICES To Whom It May Concern, This letter serves as formal notice that I am seeking compensation from JPMorgan Chase for deceptive practices related to add-on credit services and unauthorized billingconsistent with documented CFPB enforcement actions and multi-state legal settlements.

As a former Chase customer, I was enrolled in credit protection, identity theft monitoring, and other financial add-on services without my informed consent. These services incurred monthly fees that were improperly billed to my accounts. I was not made aware of these charges, did not authorize enrollment, and did not receive full services as advertised. 

This behavior matches the enforcement action brought by the CFPB and 47 State Attorneys General, where Chase was required to pay over {$300.00} XXXX in customer refunds and penalties due to nearly identical conduct. 

I am demanding the following resolution within 7 days : XXXX. Full refund of all unauthorized or deceptive charges billed under any add-on service, XXXX. {$9900.00} in compensation for financial harm, credit damage, and emotional distress, XXXX. Removal of any negative credit entries tied to these products. 

If I do not receive a response within the specified time, I will : File a complaint with the Consumer Financial Protection Bureau ( CFPB ), Submit a grievance to the New York Attorney General, And pursue relief through small claims court or civil litigation. 

You are on notice. This is your final opportunity to resolve this matter without escalation. 

Sincerely, XXXX XXXX

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 — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's 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 explanation
Consumer complaint received 2025-07-30 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: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's inaction violates federal law and my rights as a consumer.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
BMO Claim Number XXXX XXXX BMO denied my claim for XXXX while approved claim for XXXX both of these are for the same business " XXXX  '' just under a old debit card that was lost and new debit card. I have prove from business that they refuse to refund me and have canceled my order. I make monthly payment to this merchant for item that was suppose to ship to me by XX/XX/XXXX but it never arrived and have requested that merchant cancel my order, which they have by email but is refusing to refund me as for proof from email. 

XXXX XXXX XXXX as state on their policy " If you've paid for an item on XXXX and haven't XXXX it, you can dispute the transaction. First, try contacting the seller directly to resolve the issue. If that doesn't work, you can open a dispute with your financial institution and XXXX will work with them '' XXXX XXXX reason XXXX XXXX indicates a cardholder dispute, meaning the cardholder has contacted their bank to dispute a transaction. This code covers a broad range of potential issues, but generally means the cardholder is claiming there is something wrong with the goods or services they received, or that the transaction itself was invalid.

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 monetary relief
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: CA

Complaint narrative:
I am filing this complaint regarding a fraudulent account appearing on my credit reports. This account does not belong to me and is the result of identity theft. 
Creditor : XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX FTC Identity Theft Report # : XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I have the right to request that consumer reporting agencies block and delete all information related to fraudulent accounts once proof of identity theft is provided. My FTC Identity Theft Report is attached as such proof. 

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) make it clear that the unauthorized use of personal identifying information is a federal crime. Credit reporting agencies and furnishers have a legal obligation to investigate disputes, remove fraudulent data, and ensure it is not reinserted without proper certification as required under FCRA 1681i ( a ) ( 5 ) ( B ). 

I am requesting : 1. Immediate and permanent deletion of the fraudulent XXXX XXXX account from all of my credit reports. 
2. Written confirmation from all credit reporting agencies and the furnisher that the account has been deleted and will not be reinserted without full compliance with federal law.

3. Correction of my credit reports to reflect accurate information and removal of all fraud-related notations.

Failure to take these actions will be considered a violation of federal law and will result in further legal escalation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 reported to be removed/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 may 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. 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!

Company response to consumer: Closed with explanation