vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$460.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau : I am writing to formally request immediate intervention regarding multiple fraudulent accounts and unauthorized credit inquiries that have appeared on my credit report as a result of identity theft. This fraudulent item have caused significant and ongoing financial hardship, severely impacting my ability to access essential financial resources and undermining my financial stability. Despite my efforts to resolve this matter directly with the credit reporting agencies, these unauthorized accounts and inquiries remain on my report. I am now turning to the CFPB to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Fraudulent Accounts Opened Without My Authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00}. This entry were made without my knowledge or consent and do not reflect any legitimate financial activity on my part. Supporting Documentation Provided : I have included all necessary documents in accordance with 15 U.S.C. 1681c-2, which legally entitles me to the blocking and removal of fraudulent accounts : Police Report ( XXXX XXXX, Report XXXX. XXXX ) FTC Identity Theft Reports ( Nos. XXXX, XXXX, & XXXX ) Government-issued photo ID ( Drivers License ) Social Security Card Legal Basis for Action : Per 15 U.S.C. 1681c-2 ( a ), consumer reporting agencies must block fraudulent information within four business days of receiving proper documentation. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires deletion of any disputed items that are inaccurate, unverifiable, or fraudulent. Request for Immediate Resolution : I respectfully request that the CFPB assist in ensuring the immediate removal and permanent blocking of these fraudulent accounts and inquiries from my credit report. I also request written confirmation that this action has been taken. If this matter is not resolved promptly, I will pursue additional steps, including filing formal complaints with the FTC, the State Attorney General, and considering potential legal action for noncompliance with federal consumer protection laws. This is an urgent matter and I appreciate your prompt attention to ensure my rights are upheld under federal 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 non-monetary relief
Consumer complaint received 2025-07-03 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: TX

Complaint narrative:
Our mortgage was transferred in XX/XX/year> from XXXX XXXX Mortgage to SN Servicing. A payment was drafted on XX/XX/year> to XXXX XXXX. A payment was made to SNS in XX/XX/year>, XX/XX/year>, and XX/XX/year>. However, the statements are showing two payments due on XX/XX/year> and SNS says they always bill for two payments at a time. This does not make sense. We also mailed a check to them for {$4800.00} back in XX/XX/year>, but the check has never been applied to our loan or cashed. We can not get clarification if they have even received the check. We are concerned the payments being made to SNS are being applied improperly and causing a rolling 30-day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Got a business loan thru Wells Fargo bank in Minnesota buisness branch I send them a payoff check for the buisness loan for {$71000.00} my total ending balance with no discounts for an early contract termination pay in full before contract is due of {$55000.00} the rest residual capital left over should be sent to me witch is {$15000.00} its Been a month that this took place I havent received no check no that by this time Wells Fargo should owe not only interest % for the false information an all the time they made me spent plus I was disrespected by the XXXX XXXX wich was my account specialist all this took place since XXXX the 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 2025-07-03 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-03 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-03 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I obtained an American Express Business card to help me as a XXXX XXXX XXXX  with payments for supplies, materials, and business travel. I was pleased to receive a decent limit of {$5000.00}, which I felt was a good start for my business. However, while on a trip, I attempted to use the card, and it was declined. This was very embarrassing and frustrating, especially since I didnt have other payment methods at hand. I had felt secure with my card. I also feel that this company is unfair and misrepresents its no preset spending limit policy, as they seem to reduce limits to push customers out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AR

Complaint narrative:
This CFPB complaint is submitted to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, XXXX  block from my consumer credit report any information resulting from identity theft and fraud within four business days of receiving this complaint. The disputed information includes multiple unauthorized accounts, collection entries, and hard inquiries that I did not initiate or authorize. These entries are inaccurate and fraudulent, and they now appear on my consumer credit report maintained by your agency. I do not recognize any of these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are solely the result of identity theft. For verification, I have attached a copy of my FTC Identity Theft Affidavit along with supporting documentation, including a copy of my credit report and a list of the disputed inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
CFPB Personal Statement There is information on my consumer report that is a result in identity theft. I did not provide written permission or instructions for identification transactions to be reported on my consumer report am requesting that the reporting of this information be blocked and deleted, My request to block is not being made in error : or is my request to block being made on the basis of a material or misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer. 
Equifax Demand for Deletion of Inaccurate Accounts Pursuant to the FCRA and Remedy for Breach of Consumer I am writing to formally demand the immediate deletion of inaccurate and unverifiable accounts listed on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite my efforts to dispute these accounts, Equifax has failed to conduct a timely and thorough investigation within the required 30-day timeframe. Your failure to comply with federal law and maintain the integrity of my personal credit information is unacceptable. Violations of Consumer Rights 1. Failure to Investigate Disputes in a Timely Manner : I disputed on [ XX/XX/XXXX ]. However, more than 30 days have elapsed since my initial dispute, and no resolution has been provided. Under 15 U.S.C. 1681i ( a ) ( 1 ), Equifax is required to complete an investigation within 30 days. By failing to adhere to this statutory requirement, you have violated my rights as a consumer. 2. Inaccurate Reporting of Accounts : The following accounts remain on my report despite being inaccurate, unverifiable, or fraudulent : Equifax has not demonstrated the ability to verify these accounts as accurate and complete, as required under 15 U.S.C. 1681e ( b ). 3. Negligence in Protecting My Personal Data : As a victim of XXXX XXXX data breach, my personal information was exposed due to your companys negligence. This breach has further compounded the harm caused by your inaccurate reporting, leaving me vulnerable to fraud and identity theft. I attached the previous disputes along with the previous FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2025-07-03 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I received call from Citibank saying I applied for credit card and had my name and social security number and I never applied for any card, so I need to know how to protect my social security number. This occurred XXXX at XXXX XXXX XXXX. They offered to transfer me to the FTC but said it would take 5 minutes and I told them it was fraud and I hung up the phone.

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 2025-07-03 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: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$3800.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$410.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$470.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1100.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX  XXXX XXXXXXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXXXXXX XXXX  Date : XXXX XXXX  XXXX Date : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : 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 2025-07-03 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: IL

Complaint narrative:
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

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