vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: MO

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-10-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/2024, I disputed a charge on my Citibank credit card for {$2100.00} that I believe was incorrect. Citi initially removed the charge, but later reinstated it without ever contacting me or providing any documentation or explanation. I was not notified by phone, email, or mail before the charge was added back. 

After discovering this reversal, I made multiple attempts to resolve the issue : I called Citis customer service numerous times and sent follow-up emails, but no one ever contacted me back. The only communication I received was from front-line call-center representatives who disconnected the call without transferring me to a resolution department or providing help. 

Because Citi failed to communicate or allow me to provide supporting documentation for my dispute, the account went delinquent and was ultimately charged off. This was entirely due to Citis mishandling of my dispute and lack of response. 

Under the Fair Credit Billing Act ( FCBA ) and Regulation Z, a creditor is required to investigate disputed charges and communicate the results in writing. Citi did neither. I am requesting that this charge-off and all related negative credit reporting be removed or corrected to show paid as agreed, since I acted in good faith and was denied a fair opportunity to resolve the matter. 

I want the inaccurate charge-off status removed from all credit reports and corrected to reflect a positive or current standing. I also request a written confirmation of the dispute results and a direct explanation of how Citi investigated the original charge. Additionally, I want a written apology or acknowledgment for the repeated unreturned calls and emails.

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 2025-10-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had noticed a charge on my bank account for a XXXX XXXX  purchase. The amount was {$310.00}. It looks like this was authorized on XX/XX/XXXX but charged my account on XX/XX/XXXX. Last 4 of card number is XXXX. I reached out to Wells Fargo regarding the purchase to let them know that this was not authorized by me. There were also two small charges with XXXX XXXX that showed two transfers that were not mine. When I spoke over the phone with Wells Fargo they asked me if I had access to my cell phone and my debit card. I do currently have access to my cell phone and my debit card is in my possession. I have recently upgraded my phone and turned my old one in to XXXX but the upgrade did happen prior to the charge. They let me know that they will immediately close out my old debit card and reissue a new one and would do an investigation. I received a letter in the mail from Wells Fargo stating that because I have access to my devices that they would not be awarding my claim, I reached out to XXXX XXXX purchase to report the fraud, and they did confirm that the reservation was not in my name and it did look like it was a leaked account and that I should contact Wells Fargo to have the fraud charge reversed. XXXX also said that they would be willing to talk with Wells Fargo to confirm the fraudulent charge when I reached back out to Wells Fargo, they said they would not reopen the claim and would not be contacting XXXX in order to correct the situation. Wells Fargo mentioned when they originally reached out to XXXX, XXXX did not respond so they denied the claim. Wells Fargo is the bank that I have managing my funds and my funds should be safe for any kind of leaked account information, skimmed card or compromised digital transaction. I am needing assistance getting this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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: TN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 FRAUDULENT INQUIRIES : XXXXXXXX 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

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a complaint regarding an account being reported to my credit file. The company responded that I may be a victim of fraud, but provided no documentation or further explanation. Ive since filed an official identity theft report with the FTC, attached here. Despite the companys acknowledgment of potential fraud, the account continues to be reported and no steps have been taken to correct the record or remove the debt. Ive requested validation and documentation from the company, but have received no meaningful response or resolution.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a complaint regarding an account being reported to my credit file. The company responded that I may be a victim of fraud, but provided no documentation or further explanation. Ive since filed an official identity theft report with the FTC, attached here. Despite the companys acknowledgment of potential fraud, the account continues to be reported and no steps have been taken to correct the record or remove the debt. Ive requested validation and documentation from the company, but have received no meaningful response or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX 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 FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year>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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX my computer was hacked, resulting in 2 fraudulent charges on my XXXX XXXX thru TD Bank for XXXX XXXX gift cards in the amount of {$470.00} each. I completed a fraud questionnaire as requested and mailed it XX/XX/XXXX. The last 4 digits on the card were XXXX. XXXX issued a new card ending in XXXX and I thought the issue was resolved on the first account. They sent a letter stating that since I gave the hackers the " pin '' I am responsible for {$950.00}. 
On XXXX XXXX additional {$470.00} XXXX charges were posted to my new XXXX XXXX ending in XXXX. I sent a new fraud questionnaire on XX/XX/XXXX when I became aware of these charges. I have called numerous times, spoken with XXXX, XXXX, XXXX, XXXX, XXXX and many others. They never seem to understand or know how to resolve this issue. I've instructed them to close the second card which they state they did but when I looked online the account was still active! My balance now is {$2800.00}. I am sending copies of some of my correspondence to try to have this very upsetting issue resolved. Please feel free to contact me with any questions you may have. Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
As I reviewed my most recent Credit Report, I noticed that there are accounts that still appear on my credit report after I sent my investigation request and I find these incorrect and inaccurate. I request a proof that you went through all the proper and legal steps that would have been necessary to verify. Please take account of all the details of the investigation including : The full name of the person who conducted the investigation, the name of the department they work in, and their contact information. 
All supporting documentation provided regarding these accounts as evidence. 

The accounts in questions include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> BALANCE {$2400.00} This debt was paid to the original creditor and you have no business continuing to report it as collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them! Please delete this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
After reviewing my credit reports XXXX XXXX, I noticed that this account continues to appear as a derogatory entry, despite the fact that it has been charged off in the amount of {$560.00}, and is no longer active. It state this account is still open, which it has been charged off/closed. I respectfully request that LVNV Funding LLC ( Third- Party ) remove this account from all credit bureau reporting XXXX XXXX XXXX XXXX and XXXX XXXX as a gesture of goodwill and in accordance with the Fair Credit Reporting Act ( FCRA ) accuracy standards under 15 U.S.C . 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-10-23 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:
Verify that removal of disputed accounts happens within legal limits.

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 2025-10-23 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX 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 FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems that is not mine. The account claims to be tied to a XXXX credit card allegedly opened in XX/XX/year>, with a balance of {$1100.00} and marked as past due by XX/XX/year>. However, I opened a legitimate XXXX credit card on XX/XX/year> with a credit limit of {$300.00}. I have maintained perfect payment history, and the account is in good standing. Jefferson Capitals entry is either a duplicate, fabricated, or misattributed account. The reported balance far exceeds my actual credit limit, and the timeline is implausibleno creditor would charge off a brand-new account in under 90 days without multiple missed payments and internal collection efforts. I have no relationship with Jefferson Capital Systems and no outstanding balance with XXXX. I request a full reinvestigation and removal of this inaccurate entry. If Jefferson Capital can not provide documentation proving the debt is valid, originated from XXXX, and legally collectible, it must be removed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-23 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: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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