vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: DISCOVER BANK
State: NY

Complaint narrative:
This account was verified by DISCOVER BANK N.A as FRAUDULENT thus Discover bank N.A still reporting this debt to Credit Reporting Agencies. By FCRA Law they must CEASE AND DESIST collection of this unauthorized and fraudulent account. I have asked discover to verify this fraudulent account on XX/XX/year>2023 NO RESPONSE HAS BEEN ISSUED. this account is unverified and a result of fraudulently manufactured information composed by either Discover bank N.A or another entity involved in the sale of my personal information. 
Discover Bank has faced regulatory actions related to data practices : Misclassification of Credit Card Accounts : For approximately 17 years, Discover misclassified XXXX  of consumer credit cards as commercial accounts. This led to merchants being overcharged over {$1.00} XXXX in interchange fees. The FDIC imposed orders against Discover Bank for these practices. 
USC 1022.42 ( a ) Requires furnishers to have and follow reasonable written policies and procedures to ensure accuracy and integrity of data provided to CRAs. DISCOVER BANK N.A has breached FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 23 other consumer protection statutes..

Inaccurate Credit Reporting : A class-action lawsuit alleged that Discover Bank furnished inaccurate information to credit reporting agencies, showing discharged debts as active, thereby harming mine and a numerous amount consumers ' credit profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An account I never opened or authorized is currently being reported under my name. I have no relationship with the creditor, and there is no legitimate basis for this account to appear in my credit file. This is false reporting that requires urgent correction.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An inaccurate late payment has been recorded on my credit report, which is a clear reporting error. I have consistently met my payment obligations on time, and this record is unfounded. Such misinformation negatively impacts my creditworthiness and causes unnecessary harm to my financial reputation.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by Credit Collection Services for {$1900.00}, originally from XXXX, appearing on my XXXX XXXX XXXX XXXX  credit reports. This account is reporting inaccurate, incomplete, and unverifiable information : 1 ) Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and reporting unverifiable collections violates this requirement. 
2 ) Under FCRA 1681i ( a ) ( 1 ) ( A ), the bureaus are required to conduct a reasonable investigation, which requires competent evidence, not simple data matching from the furnisher. 
3 ) Under FCRA 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be promptly deleted from the consumer 's credit file. 
4 ) Credit Collection Services has failed to provide full validation of this debt, including : A signed contract or application proving I opened an account with XXXX. 
Itemized statements showing how the alleged balance of {$1900.00} was calculated. 
Proof of my legal obligation to pay this alleged debt. 

Without proper documentation, this account is unverifiable and should be deleted from all credit bureaus. 

Requested Relief : I am requesting the CFPB to investigate and require both Credit Collection Services and the credit bureaus to provide proper validation. If they can not provide full documentation within the required timeframe, I am requesting permanent deletion of this collection account from all three credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AZ

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 reporting agency, 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. 
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX Experian, Equifax, and TransUnion reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX. SYSTEM, XXXX Original creditor : XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; and a collection account opened at XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the fraudulent items be removed from my consumer credit reports. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and charge-offs identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint.

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
ON XX/XX/2024, my WISE account was scammed of of XXXX USD by XXXX XXXX companies. The scammer had emptied my account by transferring my money to their 3 accounts in several transfers. Some in USD to a USD account and some were first converted to XXXX to then be transferred to their two XXXX accounts. I contacted WISE as this was happening, but they did not act fast enough to stop the transfers. The fraudster 's bank account was at the same bank, WISE. The bank did not get back to me until days later. 

- I called the bank at the time of the crime, while I was still on the phone with the scammer. The bank could have stopped this at the time it happened. Especially since the money was transferred to their own same bank. WISE should have secured steps on how to keep their banking customers safe and act swiftly any time a customer calls in to stop a fraud. This did not happen and they need to be liable. 
- When I make money transfers from my own account to my other bank account, it will take at least a day if not two or three. How come the bank allowed these transfers to be so instant if they were not for myself, but for a new contact, that I had never transferred to before? It makes no sense that I would be more protected from my own bank account that has been registered and used many times over the years, than from a new account that I have never submitted payment to before and is not under my name. But under apparent XXXX  companies. 

- The bank did not need approval for a recall of the money from another bank. The scammers account ( the beneficiary account ), where the money was transferred to, was this same bank as mine, WISE. This means that the bank could have stopped the transfer and also reversed it. Especially since I was on the phone with them while it was happening. Please see the attached statements and proof of time of call. 
- WISE should be liable for hosting shell companies. The fraudster used shell companies which you can easily find out when doing a search online, on their company names. A bank should be liable for allowing shell companies to open accounts with them. 

WISE should be held accountable for : - Allowing shell companies to bank with them. 
- Not flagging the transfers as suspicious. 
- Not holding the funds until cleared from suspicious activity. 
- Not acting fast enough to stop or recall the transfers even though they were reported as they were happening and within its own same bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-11 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: GA

Complaint narrative:
I received a letter from fox collection center that I owed a XXXX debt to XXXX XXXX XXXX from XX/XX/scrub> 2025. I have never had labs done in Florida and I dont owe this debt. I live in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a false account being reported under my name. I did not open this account, I have never had any association with the reporting creditor, and this reporting is entirely inaccurate. Its presence is harming my creditworthiness.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I pulled my credit report in XXXX  today XX/XX/year> and noticed a collection from EASTERN ACCOUNT SYSTEM INC. in the amount of {$1200.00}. I have not done any business with that company and I have not received any correspondence from this company either by phone, mail or through email. If they can provide proof of this debt or its origin I will gladly work with them to pay it. They shouldnt report this information to my credit without contacting me first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Flexible Finance, Inc.
State: CO

Complaint narrative:
I have used Flex to make payments on my rent. I missed my XXXX rent but was using Flex to pay XXXX with the intention of covering the rest in my on as XXXX had rolled over to XXXX. I made my payment to Flex who submitted their side to my apartment. The payment was returned however as my apartment does not accept partial payments. I reached out to XXXX  on XX/XX/XXXX and explained what happened. I asked for a refund so I could take care of things on my own. They told me they could still cover everything but required some time to figure it out. On XX/XX/XXXX they asked for proof that the payment was rejected. I sent screenshots of the property portal and the email notifying me of the rejected payment. They said they would escalate my case. When I heard nothing from them a few hours later, I reached out again asking for an update. They said they were still figuring it out. I expressed the urgency of the matter as the cutoff for the payment was at midnight on XX/XX/XXXX. The apologized for the wait but said they were still working on it and would reach out shortly. The next day ( several hours later ) I still had heard nothing. I reached out again and they asked for proof of the rejected payment. Again, I sent it. They told me they were escalating it again. By this point my rent was past due and my apartment was saying they would begin the eviction process soon. I reached back out to XXXX  to notify them and they said they would get back to me. A few hours later, I still hadnt heard from them and reached out again. They told me they were escalating my case and would get back to me. I asked for a timeline. They said they were escalating it but did not provide a timeline. I asked if they could reach out to the property and explain what was going on. They said they were escalating it but never reached out to the property. I asked for a manager and they gave me the same reply we are escalating your case. This went on until XX/XX/XXXX. After many emails from me asking for communication or a reply, they emailed me that they were issuing me a refund, days after I had asked them to issue XXXX. If they had followed my request from the beginning, I wouldnt have been facing a housing and credit situation. But they told me they could handle it. Now, my property is filing for an eviction, I am awaiting the refund but the issued it at the start of the weekend so I wont see it until well within the following week, and my payment history/credit is going to take a hit all because XXXX  failed to communicate, failed to fulfill their promise to help, and failed to take my situation seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX I applied for a loan and didnt realize that I was being scammed until Chase bank closed my banking and saving accounts. I did not realize that they had asked for documentation about the money that went in my account. But they allowed the funds to be accepted even though the emails said that without documentation they could not be processed. They close the accounts so I called and went into the bank. I was told they ended the relationship with me and no one will talk to me or tell me anything. I did get a notification that my bank account is negative over XXXX and they reversed 2 of my car payments from XXXX & XXXX which I have had that account for almost 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
TransUnion Complaint Accounts XXXX XXXX XXXX Status : Open, Late over 120 days Complaint : No documentation verifying accuracy ; demands proof of permissible purpose and validation of debt. 

XXXX XXXX XXXX Status : Open, Collection/Charge-Off Complaint : Disputes amount owed ; claims info is inaccurate and unverifiable. 

XXXX XXXX XXXX  Status : Open, As Agreed Complaint : Questions completeness and accuracy ; requests compliance documentation. 

XXXX XXXX XXXX XXXX Status : Closed, Charge-Off Complaint : Disputes debt validity ; requests verification under FCRA 1681i. 

XXXX XXXX XXXX Status : Open, Charge-Off Complaint : Disputes accuracy ; requests deletion and documentation. 

XXXX XXXX XXXX XXXX Status : Open, As Agreed Complaint : Questions verification and accuracy ; demands update. 

XXXX XXXX XXXX Status : Open, Charge-Off Complaint : Disputes amount ; requests deletion and documentation. 

XXXX XXXX XXXX Status : Transferred, Charge-Off Complaint : Disputes report as inaccurate ; demands validation and deletion. 

XXXX XXXX XXXX XXXX XXXX  Status : Closed, As Agreed Complaint : States account never verified to be accurate ; requests deletion. 

XXXX XXXX XXXX XXXX ( x2 entries ) Statuses : Closed, Charge-Off Closed, Late 60 Days Complaint : Disputes both entries as incorrect ; demands deletion. 

XXXX XXXX XXXX Status : Transferred, Charge-Off Complaint : Disputes charge-off status and amount owed. 

Hard Inquiries ( XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ) Complaint : Disputes inquiries as unauthorized ; demands proof of permissible purpose.

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 2025-08-11 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint concerns an inaccurate late payment being reported on my credit profile. I have maintained an unbroken record of timely payments for this account, and there is no basis for this negative mark. This error is misleading, unjustly harmful, and must be rectified to ensure my credit report presents a truthful record.

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 2025-08-11 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX RE : Request for Removal of Fraudulent Account XXXX XXXX Credit Card Experian Report Number : XXXX To Whom It May Concern : I am writing to formally dispute the fraudulent account listed on my Experian credit report under the name XXXX XXXX Credit Card XXXX This account was opened without my knowledge or authorization and is the result of identity theft stemming from a crime reported to the XXXX Police Department in XXXX, XXXX, under Report Number XXXX, investigated by Detective XXXX. 
The identity theft occurred several years ago when my wallet was stolen, and with it, my drivers license, Social Security card, mobile phone, and other sensitive personal information. A police report was filed at the time of the incident. The resulting fraud continues to impact my credit, as this XXXX XXXX account is being reported inaccurately under my name. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am exercising my right to block the reporting of any information resulting from identity theft. In support of this request, I am including the following documentation : 1. A notarized Identity Theft Report and sworn FTC Identity Theft Affidavit ( as defined under 15 U.S.C. 1681a ( q ) ( 4 ) ) ; 2. A copy of my government-issued photo identification ; 3. A copy of my Social Security card ; 4. A copy of the XXXX Police Department report number XXXX, or reference to its existence ; 5. Proof of address. 
In accordance with federal law, I respectfully request that Experian : 1. Block and remove all information related to the XXXX XXXX Credit Card account from my credit file ; 2. Notify the furnisher ( XXXX XXXX ) and any other consumer reporting agencies to whom this information has been provided ; XXXX. Provide written confirmation once this account has been deleted 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
Consumer complaint received 2025-08-11 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 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 response to consumer: Closed with non-monetary relief