vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: OH

Complaint narrative:
I am disputing the accuracy and completeness of the following charged-off accounts and inquiries reported by Equifax. I request that they be thoroughly investigated and corrected as necessary. 

Charged Off Accounts : XXXXXXXX XXXX XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXXXXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$900.00} XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3700.00} Inquiries : XXXX - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate and Outdated Account Reporting Account NameXXXX XXXX XXXX  Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information being reported on my XXXX  credit report regarding the above-referenced account. Specifically, this account is inaccurately showing a status update as of XX/XX/XXXX, when in fact the account was charged off and closed in XXXX. 
According to the Fair Credit Reporting Act ( FCRA ), negative credit items such as charge-offs are only allowed to be reported for 7 years from the date of first delinquencywhich, based on the historical payment history, began in XXXX or earlier. The 7-year rule for negative credit items under the Fair Credit Reporting Act ( FCRA ) is primarily found in 15 U.S.C. 1681c. The recent updates showing activity in XXXX through XXXX appear to be a deliberate or negligent re-aging of the account, which is a violation of FCRA guidelines. 

Therefore I am Disputing These Points : Incorrect Status Update : The account shows a charge-off with a status updated date of XX/XX/XXXX, yet it was closed and charged off in XXXX. This creates a misleading and damaging impact on my credit report. 
Improper Re-Aging : Reporting payment history and updates through XXXX, well after the account was closed, appears to be a case of re-aging the debt. This is a serious compliance issue under the FCRA. 
Inaccurate Balance Reporting : The account reflects a charged-off balance of {$860.00} on a credit limit of {$500.00}, and a high balance of {$860.00}, which suggests overcharges, excessive fees, or interest that may be predatory or otherwise invalid after the charge-off date.

Expired Reporting Window : Given that the account was opened in XXXX, and the first delinquency clearly occurred no later than XXXX, the 7-year reporting window should close in XXXX. Extending this to XX/XX/XXXX, as currently reported, is unlawful unless substantiated with verified documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I deposited a {$50000.00} personal check into my Bank of America checking account. The bank placed a standard hold on the check. Then, due to a processing error, Bank of America placed a second hold on the same check. This removed the funds a second time and forced my account to show a balance of {$48000.00} for multiple days, including the entire weekend. 

This was not an outage issue. This was a duplicate hold caused by the banks system. 

The assistant branch manager confirmed the double hold and attempted to escalate it over the weekend, but she was told there is nothing we can do. I then spoke with a supervisor on XXXX ( Name : XXXX, Employee ID : XXXX ) who also refused to escalate the issue or initiate a Customer Harm Review. 

Impact on me : I had no access to my funds for several days. 

My account showed a huge negative balance entirely caused by the banks error. 

This directly jeopardizes my ongoing mortgage underwriting and my ability to obtain a home loan. 

I spent hours trying to resolve this, with no assistance from the bank. Including taking time off of work. 

The bank declined to help despite acknowledging the issue. 


I am requesting : 1. A full investigation into the duplicate hold 2. Written correction for my mortgage underwriter 3. Removal of any negative or misleading balance history caused by this error 4. Financial compensation for the harm and disruption caused 5. Confirmation that this will not affect my credit or banking record Bank of America caused significant financial harm and refused to provide any resolution. I am requesting CFPB assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I had 19 unauthorized transactions with this company and they confirmed i dont have an account with them and anyway they did not help to get my money back skipping any responsibility of authorizing transactions with my card in account of another person!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CO

Complaint narrative:
I had an accident in a vehicle that was leased through XXXX XXXX. my insurance company asked me to call XXXX to get an address so we could send them the pay off amount. The agent at XXXX gave me the wrong address, later they notified me they didn't receive the check. State farm confirmed the check was sent but that's when we discovered XXXX XXXX gave the wrong address. XXXX XXXX canceled the check and reissued and sent it to the new address. This delay cause it to hit my credit report showing a delinquency of 30 days I want this removed from my credit report. I have already spoken to XXXX. They told me to file a complaint with you and and send them the complaint, then they might remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had an accident in a vehicle that was leased through XXXX XXXX. my insurance company asked me to call XXXX to get an address so we could send them the pay off amount. The agent at XXXX gave me the wrong address, later they notified me they didn't receive the check. XXXX XXXX  confirmed the check was sent but that's when we discovered XXXX XXXX gave the wrong address. XXXX XXXX canceled the check and reissued and sent it to the new address. This delay cause it to hit my credit report showing a delinquency of 30 days I want this removed from my credit report. I have already spoken to XXXX. They told me to file a complaint with you and and send them the complaint, then they might remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CO

Complaint narrative:
I had an accident in a vehicle that was leased through XXXX XXXX. my insurance company asked me to call XXXX to get an address so we could send them the pay off amount. The agent at XXXX gave me the wrong address, later they notified me they didn't receive the check. XXXX XXXX confirmed the check was sent but that's when we discovered XXXX XXXX gave the wrong address. XXXX XXXX canceled the check and reissued and sent it to the new address. This delay cause it to hit my credit report showing a delinquency of 30 days I want this removed from my credit report. I have already spoken to XXXX. They told me to file a complaint with you and and send them the complaint, then they might remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
When reviewing my credit report, I discovered several XXXX  inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau XXXX XXXX required to block and delete any unauthorized information within XXXX ( XXXX ) business days. 
This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am the victim of an unauthorized account takeover and theft from my Chime checking account. Over {$9000.00} was removed without my permission. I immediately reported it to Chime and provided : A police report Federal Trade Commission Identity Theft affidavit Fraud/identity theft report Despite this, Chime has repeatedly denied my dispute and refuses to restore my funds or provide a legitimate investigation. 

This is a clear violation of the Electronic Fund Transfer Act ( Regulation E ), which requires Chime to investigate and provisionally credit unauthorized transactions unless they can prove the transaction was authorized. Chime has provided no evidence that I authorized this activity. 

I am suffering financial harm because of the denial of funds stolen from my account. I am requesting the CFPB to compel Chime to comply with federal banking regulations, investigate properly, and return the fraudulent withdrawals to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I called XXXX on XX/XX/year>, asking for previous statements. They told me to wait XXXX working. As of today, they haven't sent the statements and XXXX email communications have been sent without luck. These statements are not available online and they haven't mailed them, because, according to them, I have no payment due. Even though they are charging interests. I have not been able to get the last XXXX statements. 
On a previous occasion, the same institution corrected how interests were charged in my account, losing my trust in this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. ID Theft Report XXXX, which confirms that these accounts, collections, and inquiries stem from 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 2025-11-10 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: MO

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
Hard inquiry from XXXX XXXX on XX/XX/year> and XXXX  XXXX on XX/XX/year> that Ihave NO knowledge of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
Several years ago, I took my laptop to a local repair technician to fix some issues. After receiving it back, my laptop began to behave very strangely. It would send messages without my input and exhibit odd network activity. Simultaneously, I noticed unusual devices connecting to my home Wi-Fi network.I have XXXX as my internet provider, and upon checking my routers device list, I found multiple unknown devices repeatedly connecting to my network. These devices did not belong to me or anyone authorized to use my Wi-Fi. Despite changing my Wi-Fi password multiple times, the unknown devices continued to reconnect. I contacted XXXX customer support about these unauthorized devices. They acknowledged the issue but were unable to determine the source or stop these devices from accessing my network. This indicated a serious security breach of my home network. Shortly after these events, my landlord contacted me concerned because I had been sending him inappropriate and confusing messages that I never sent or wrote. Similarly, friends and family reported receiving requests for money from my accounts, which I never authorized. Furthermore, I discovered unauthorized transactions on my financial accounts, including money transfers through XXXX and XXXX. Most troubling, I found the fraudulent XXXX XXXX account opened in my name, with over XXXX $ charged with small amount of money, under XXXX XXXX 
I am sure the technician who had my laptop may have installed malicious software or compromised my devices during the repair. This breach allowed unauthorized access to my personal information, including financial accounts and sensitive data. This unauthorized access resulted in the fraudulent opening of an XXXX XXXX in my name, with charges totaling over {$3300.00}. And the bureau did absolutely nothing to fix it, whenever i call them they tell me different reasons they denied my dispute and when i ask them to transfer to a supervisor they JUST HANG UP. This is not acceptable.

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