vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX  Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 personal credit card account opened at XXXX XXXX XXXXXXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX. 
on XX/XX/XXXX with a balance of {$12000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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 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 FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/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 2025-07-02 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:
To Whom It May Concern, I am writing to formally dispute and request the removal of all negative items that appear on my credit report as a result of identity theft, in accordance with 15 U.S.C. 1681c-2, which states that a consumer reporting agency must block the reporting of information that the consumer identifies as resulting from identity theft. 

I believe the following negative items do not belong to me and are the result of fraudulent activity or misreporting : All negative entries, including collections, charge-offs, late payments, and accounts not initiated or authorized by me. 

Under 15 U.S.C. 1681c-2, I am exercising my right to have these items blocked from my credit report. Attached you will find the following documentation as required under this law : A copy of a valid government-issued photo ID Proof of residence ( utility bill, lease, or bank statement ) A copy of a police report or identity theft report filed with a law enforcement agency or the FTC Please conduct an investigation and block the reporting of the aforementioned items as mandated by federal law. I expect written confirmation that these entries have been removed from my file within the time allowed by law. 

If you require any additional documentation or information from me, please contact me at the information provided above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The following item ( s ) on my credit report are fraudulent and were not authorized by me. These accounts are the result of Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
The following item ( s ) on my credit report are fraudulent and were not authorized by me. These accounts are the result of Identity Theft.

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 2025-07-02 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-02 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX : XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX states that I have open delinquent collection accounts with them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX, XXXXXXXX XXXX XXXX XXXX states that I have open delinquent collection accounts with them. 

XXXX XXXX XXXX XXXX fraud dept . XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX states that I have open delinquent collection accounts with them. 

Commenity Capital XXXX and XXXX XXXX XXXX XXXX XXXX Oh XXXXXXXX XXXX XXXX XXXX states that I have open delinquent collection accounts with them. 

XXXXXXXX XXXX XXXX XXXX XXXX  -NO ADDRESS FOUND or Given per several phone calls XXXX XXXX XXXX states that I have open delinquent collection accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
In XX/XX/XXXX I learned that the XXXX XXXX XXXX XXXX ( XXXX ) had created a {$2400.00} student-tuition balance ( Acct. # XXXX ) in my name for a course I never registered for, attended, or paid. I was only an information-seeking prospective student in XXXX ; I never completed enrollment or signed the XXXX  Financial Obligation Agreement that authorizes billing. 

How it became a credit-reporting issue On XXXX XX/XX/XXXXXXXX  XXXX posted the charge to my student portal ( which was created without my knowledge ). 
In XX/XX/XXXX XXXX assigned the alleged debt to a third-party collector, which is now reporting a past-due education account to XXXX  and XXXX. My credit score has dropped XXXX points. 

Steps I have already taken XXXX XX/XX/XXXXXXXX   Sent XXXX  a written dispute and a FERPA records request demanding proof of any signed contract or course registration. 

Opened disputes with XXXX  and XXXX, attaching the same evidence. 

Filed a consumer-fraud complaint with the North Dakota Attorney General ( pending ). 

XXXX has not produced any documentation showing I agreed to the debt and has not removed the charge or corrected the credit reporting. 

Why this violates federal law Furnishing inaccurate information to credit bureaus ( Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ).

Attempting to collect an unverified debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ).

Desired resolution Immediate cancellation of the {$2400.00} balance and adjustment of my XXXX account to {$0.00}. 

Written confirmation from XXXX and the collector that the debt is void and all related tradelines have been deleted from every credit bureau. 

Release of any education records so I can confirm no unauthorized enrollment occurred. 

A brief written apology acknowledging the error. 

These actions will restore my credit standing and close the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/XXXX around XXXX I was using a chase atm inside of a chase branch which was open. I walked right in and headed to an atm, I deposited around {$2200.00} in cash into this atm I do not know the exact dollar amount just a rough estimate. The atm screen was taking much longer than normal after taking my money, I was then prompted with an error message, To be sure your deposit went through, please call us at XXXX. Well print this number on your receipt. 
The atm never gave me a receipt after the error message, the message was on my screen for about XXXX minutes then it spat my card out and that was that. I walked over to a chase employee and told her what had just happened, she asked if I had a receipt from the atm which I did not receive. She took my debit card and ID and walked into the back, she returned and said she could not see any money deposited into my account. She instructed me to simply call the number on the screen, I was pretty upset at the whole situation and left. I called chase made a claim with their atm department, they hung up on me the first time I called so unfortunately I had to call a second time to try to make a complaint to get my money back. The chase representative ended our phone call with, in XXXX business days I should know if they accepted or rejected my claim, I specifically asked if they would contact me again to let me know the result of their investigation they said they would not I would just have to check my account, I specifically asked if they would call or even write me a letter to keep me informed of the whole situation, they said they would not. Just hearing they could reject my claim when I know I deposited real cash, into their atm, inside of their open branch under there cameras I dont know how they could deny I was there depositing money into my account. At this point Im pretty worried and am trying to exhaust all options. I also repeatedly asked the chase representative on a recorded phone call if theres anything else I can do on my end to help, they told me no. Im left feeling helpless and robbed of money I had to work outside all summer for in XXXX degree heat.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is fraudulent under FCRA Section 605B. I am a victim of identity theft. I did not open this account. Please permanently remove it from my credit report immediately ]

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 2025-07-02 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNT : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRY : XXXX XXXX XXXXXX/XX/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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I asked the company to investigate this matter because there are inaccurate information on my credit report regarding this company. Its ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I contacted cashapp support regarding fraud involving an individual scamming me out of {$1100.00} for a deposit on a home and not responding, setting appointments with fake dates XX/XX/year>XXXX  ( date doesnt exist ) and still running advertisements and payments on the same property with others. I submitted my first dispute with them XX/XX/year>, they said they never got a dispute after weeks of waiting on a response and i had all the emails of correspondence as proof of the dispute. So i disputed again on XX/XX/year> where they closed the dispute stating they contacted me and got no response on XX/XX/year>XXXX   when i informed that i sent all documents for the dispute and started the dispute on that date they said they couldnt find it anymore and to start a new one. The new one resulted in them stating because the individual wouldnt refund it themselves and that they used the transaction to determine why they denied the dispute. I was robbed by the person and cashapp is not keeping to the terms of service or legal process!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to formally dispute a charge related to a duplicate travel booking made through XXXX on XX/XX/2025. I have called XXXX and capital one many times in regard to this case. 
At approximately XXXX XXXX  on XX/XX/XXXX, I booked a travel package through XXXX for {$2400.00}, shortly after booking I realized that I have selected the wrong package and called few minutes after around XXXX and spoke to a female representative and she said no problem and completed the cancellation, and I believed it was successful. 
Couple of days later Ive booked another package with a similar package ( same air line and hotel ). For {$2400.00}, which I used. However, I noticed that both charges have appeared on my credit card. Despite my cancellation of the first booking, I have not received a refund for it. 
XXXX and merchants have refused to issue a refund. Claiming booking was non-refundable. At the time of booking and cancellation I was not clearly informed that the package was non-refundable. I would not have proceeded had that been made clear. I acted quickly and acted promptly and in good faith by contacting customer support to cancel the duplicate booking. 
How could XXXX person be in the same airline and hotel for the same time twice. It makes no sense. 
I am requesting that the charge for the cancelled trip be refunded to me. I am including documentation to support my calls and cancellations and I also I have called capital one and uploaded some documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : 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

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 2025-07-02 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-02 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: MS

Complaint narrative:
I am a victim of identity theft. My credit report includes accounts and inquiries I did not authorize.

Under Section 605B of the FCRA, please block and remove these items. Attached are : A list of disputed items My FTC Identity T
heft Report ID and proof of address Please confirm once the items are removed.

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