vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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 am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$520.00}, XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX  KY, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My XXXX XXXX collection was removed from transunion, it need to be removed from all 3 credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TN

Complaint narrative:
The accounts included in this document are the result of identity theft and are not associated with me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
Re : Formal Dispute and Demand for Immediate Removal of Reinserted Fraudulent Accounts FCRA 605B Violation Notice To Whom It May Concern : This letter serves as a formal notice of dispute and demand for immediate removal of one or more fraudulent and unauthorized accounts that have been reinserted into my credit file without proper procedure or authorization, in violation of the Fair Credit Reporting Act ( FCRA ), specifically Se

ction 605B. I previously submitted an identity theft report and dispute notice regarding these accounts, as outlined under 15 U.S. Code 1681c2 ( Section 605B ). These accounts were rightfully removed. However, they have now been unlawfully reinserted into my credit file, without proper notification, and in direct violation of federal law. 

The FCRA is explicit : " A consumer reporting agency may not furnish a consumer report that contains any information that the consumer has identified as resulting from identity theft if the agency has received notice from the consumer and a valid identity theft report, unless the information is verified through stringent reinsertion procedures. '' Your failure to properly notify me within 5 business days of reinsertion and failure to provide adequate verification documentation is a gross breach of this federal requirement.

This communication constitutes my final demand to have the following accounts permanently removed from my credit file : XXXX {$810.00} Date Opened : XX/XX/XXXX XXXX XXXX LL {$650.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$760.00} Date Opened : XX/XX/XXXX See attached FTC report with inquiries and accounts listed. 
Be advised : If these inaccurate, unauthorized accounts are not removed within four ( 4 ) calendar days of your receipt of this letter, I will proceed to initiate a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. I will be seeking monetary damages, attorneys fees, and costs. 

You are also hereby placed on notice to preserve all records, communications, and internal notes relating to these accounts and my prior dispute ( s ), as they will be subject to discovery if litigation is necessary.

This is not a request this is a demand for compliance with federal law. I expect written confirmation of removal within 4 days, and failure to act will trigger immediate escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: NJ

Complaint narrative:
Signed up for account form a specific page offering {$200.00} bonus within XXXX days of receiving a direct deposit. 

Direct deposit received XX/XX/year> and to date no bonus has been received into account.

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 2025-07-26 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: Self Financial Inc.
State: NJ

Complaint narrative:
Im disputing this information on my FTC as it appears on my credit profile.I want to validate the debt to prove it belongs to me XXXX XXXX if the debt can not be validated, I would like for the debt to be removed from my credit profile.Im a victim of identity theft.My information was also exposed in data breach.Self XXXX lenders are XXXX of the accounts reflecting that I had no acknowledgment of.This is hindering me very badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IN

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 2025-07-26 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: NC

Complaint narrative:
I am filing this complaint regarding the inaccurate and inconsistent reporting of a closed XXXXXXXX XXXX XXXXXXXX account by Experian and Equifax. Despite submitting multiple disputes to the credit bureaus, they continue to verify the account as accurateeven though clear contradictions exist between the bureaus own reporting. This violates several provisions of the Fair Credit Reporting Act ( FCRA ), particularly regarding the duty to ensure maximum possible accuracy. 
FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] The credit bureaus have failed to ensure that the information they furnish is complete and accurate. Conflicting data on the Date Opened, Date of Last Payment, and Account Status prove that at least one bureau is reporting incorrect data.

FCRA 611 [ 15 U.S.C. 1681i ] After I disputed the inaccurate information, the credit reporting agencies were required to conduct a reasonable reinvestigation. Their responses confirming that the account is accuratedespite obvious contradictionsindicate they failed to conduct a meaningful investigation.

FCRA 602 [ 15 U.S.C. 1681 ( a ) ( 5 ) ] The inconsistent information harms my creditworthiness and affects decisions related to credit, insurance, and employment.

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 2025-07-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding the inaccurate and inconsistent reporting of a closed XXXXXXXX XXXX XXXXXXXX account by Experian and Equifax. Despite submitting multiple disputes to the credit bureaus, they continue to verify the account as accurateeven though clear contradictions exist between the bureaus own reporting. This violates several provisions of the Fair Credit Reporting Act ( FCRA ), particularly regarding the duty to ensure maximum possible accuracy. 
FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] The credit bureaus have failed to ensure that the information they furnish is complete and accurate. Conflicting data on the Date Opened, Date of Last Payment, and Account Status prove that at least one bureau is reporting incorrect data.

FCRA 611 [ 15 U.S.C. 1681i ] After I disputed the inaccurate information, the credit reporting agencies were required to conduct a reasonable reinvestigation. Their responses confirming that the account is accuratedespite obvious contradictionsindicate they failed to conduct a meaningful investigation.

FCRA 602 [ 15 U.S.C. 1681 ( a ) ( 5 ) ] The inconsistent information harms my creditworthiness and affects decisions related to credit, insurance, and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX Date : XXXXXXXX  To : [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Formal Request for Blocking of Fraudulent Accounts Under 15 U.S. Code 1681c-2 I am writing to formally dispute multiple unauthorized and fraudulent accounts that are being reported on my credit file. I am a victim of identity theft, and the following accounts were opened and/or reported without my knowledge, consent, or authorization. These accounts are damaging my creditworthiness and must be blocked and removed from my credit report in accordance with the federal law under 15 U.S. Code 1681c-2. 



Accounts to Be Blocked and Removed Due to Identity Theft : XXXX. XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : This is not my account. I did not open or authorize this account with XXXX XXXX XXXX. 
XXXX. XXXX  Account Number : XXXX Nature of Dispute : I have never held or applied for a XXXX  account. This account is fraudulent and should be removed. 
3. XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : I have no affiliation with XXXX XXXX XXXX XXXX and did not open this account. This is a result of identity theft. 
XXXX. XXXX  ( formerly XXXX XXXX  ) Account Number : XXXX Nature of Dispute : I never applied for or opened this XXXX  account. This is fraudulent and unauthorized. 



Applicable Law : 15 U.S.C. 1681c-2 Pursuant to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft, not later than four business days after receiving : 1. Proof of the consumers identity ; 2. A copy of a police report filed by the consumer ; 3. The identification of the fraudulent information ; and 4. A statement from the consumer that the information is not related to any transaction made by them.

Request for Immediate Action I am formally requesting that you : 1. Block all the above-listed fraudulent accounts from appearing on my credit file, as mandated by federal law ; 2. Send written confirmation that these accounts have been removed from my credit report ; and 3. Forward this dispute to the original furnishers of the information as required under the FCRA.

Please complete this process within the timeline required by law. Continued reporting of these fraudulent accounts is causing me harm and is a violation of my rights under federal law.

If you require any additional documentation or information, please contact me in writing at the address above or via email. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am reporting a serious case of financial fraud involving an unauthorized wire transfer of {$840000.00} from my personal checking account with Golden 1 Credit Union. I did not authorize this transaction and was never notified or asked to confirm it prior to submission.

I have asked Golden 1 to trace this wire to determine : Who initiated it Where the funds were wired Why I was not contacted beforehand I have also reported this to the FBI and the SEC, but I have not received confirmation that this case is being investigated.

This situation arose through the influence and actions of a financial advisor named XXXX XXXX, who manipulated and misled me over a period of time. He repeatedly dismissed my valid questions and gave me false assurances that my finances would stabilize in a few months. Based on his promises, I trusted him and took out a {$10000.00} loan from Golden 1 to help pay bills. At the time, I had a Tier 1 credit rating. 

However, XXXX XXXX promises were untrue. I have since fallen into debt, my credit score has been severely damaged, and I am now struggling to repay the loan and rebuild my financial standing. I am also dealing with the emotional impact and have experienced homelessness as a direct result. 

I believe XXXX XXXX actions were intentionally deceitful and narcissistic, including gaslighting tactics to keep me confused and compliant. I am asking the FTC to assist in ensuring this case is properly investigated and referred to the appropriate authorities if needed. 



Who did it? ( Business or individual involved ) XXXX XXXX Financial Advisor Golden 1 Credit Union My bank where the wire occurred How were you affected?

Unauthorized wire of {$840000.00} Debt from a {$10000.00} loan based on advisors false claims Credit score dropped significantly Inability to rent housing ; homelessness Emotional XXXX  from being deceived and financially manipulated Have you contacted anyone else? 

Yes : Golden 1 Credit Union ( no resolution yet ) FBI ( via XXXX ) SEC ( Tip submission portal ) I am still waiting for confirmation or updates from any agency. 



What would you like the company or person to do to fix the problem? 
Full investigation into the {$840000.00} wire : who authorized it and where it went Hold XXXX XXXX accountable for financial misrepresentation Assistance with recovering funds and restoring my credit A response from Golden 1 acknowledging this was not authorized by me Any referrals to legal or recovery processes available

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$6700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the accounts is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX Balance : {$17000.00} Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Payment history : XX/XX/XXXX XXXX 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX checking account number ending with XXXX. I have been a Capital One customer with a checking account that allowed a {$100.00} overdraft for over two months. During this time, I received regular weekly deposits of approximately {$500.00} and always repaid any overdraft amounts in full and on time. 

Without any prior notice, warning, or explanation, Capital One suddenly removed my {$100.00} overdraft protection. I was not informed by email, statement, or any communication. When I contacted Capital One customer service, I was told the change was due to a system decision and could not be reversed. 

This unexpected removal has caused me severe financial hardship and emotional distress. The {$100.00} overdraft was necessary to cover urgent bills, and its removal without cause is unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was given a XXXX  month deferred interest credit card to pay for my Arhaus furniture  : the plan ended XX/XX/XXXX and I made a payment on XX/XX/XXXX for {$500.00} and then again XX/XX/XXXX for the final balance of {$1700.00}. My payment did not post until XX/XX/XXXX for some reason. Maybe it was technical difficulties. Tried to log into my account a few times but was unable to get in due to site issues. My account is paperless and I checked my credit report and see that arhaus has charged {$16000.00} interest for a balance of {$930.00}. As soon as I saw this I contacted Arhaus and requested to pay the remaining balance within the grace period. I have called multiple times and messaged on the portal without any resolution. No one even tries to help me. I have made all of my payments on time and always above the minimum payment. I never missed a payment and fully intended to pay the complete balance before the plan ended. I have excellent credit. Technically i should have until XX/XX/XXXX to pay the full balance since i didnt receive my furniture or my statement until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
This filing a complaint serves as my second formal dispute regarding the account referenced below, which still appears on my credit report despite my previous correspondence. 
I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically 604 ( f ) 15 U.S.C. 1681b ( f ), which states : 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/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