vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a arbitration settlement from a data breach litigation in dispute. My account was terminated and lost my employment information and I request a reinstatement claim. My agent to pursue from embezzlement of my account with extortion robbery of my personal background records from the bank reinstatement process. I have been trying to manage my bankruptcy records but the financial statement was on my log in with my hacked phone with XXXX XXXX XXXX and my XXXX records show that my account was breached of contract. So I wanted to advise the administration of my workers compensation lawsuit with my personal injury of being XXXX from work. I have a unstable work injury from a doctor who asked to see a XXXX council with the XXXX and monitor the XXXX XXXX XXXXXXXX claim. I have been unable to afford it my car was stolen with my license and ID. I have been trying to manage care but the claim process was held up for breach of contract with my industry insurance. I want to contact the XXXX XXXX with a breach I contract obtaining property under false pretenses with embarment of my duties with a fidicuary citation data breach in bankruptcy. I have a class membership settlement with arbitration claim.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
Someone used my personal information without my permission to open multiple fraudulent accounts and damage my credit. I did not authorize or initiate any of the following accounts currently listed on my credit report. These include credit cards, medical collections, and telecommunications accounts. I was also impacted by the recent Equifax and TransUnion data breaches, which may have exposed my sensitive data.

The following accounts are fraudulent or contain severe inaccuracies XXXX XXXX XXXX XXXX Account ending in XXXX ( Never opened. Fraud. ) XXXX XXXX XXXX XXXX XXXX ( Previously disputed. Likely fraud. ) XXXX XXXX XXXX XXXX ( Unknown account with suspicious delinquency. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( No medical treatment received. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown medical collection. ) XXXX XXXX XXXX XXXX XXXX ( Billing error, not mine. ) XXXX XXXX  ( Late payments showing on a closed account. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Autopay or fraud issueunauthorized delinquency. ) I want these accounts permanently removed. I did not authorize them. They are damaging my credit and causing hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
Someone used my personal information without my permission to open multiple fraudulent accounts and damage my credit. I did not authorize or initiate any of the following accounts currently listed on my credit report. These include credit cards, medical collections, and telecommunications accounts. I was also impacted by the recent Equifax and TransUnion data breaches, which may have exposed my sensitive data.

The following accounts are fraudulent or contain severe inaccuracies XXXX XXXX XXXX XXXX Account ending in XXXX ( Never opened. Fraud. ) XXXX XXXX XXXX XXXX XXXX ( Previously disputed. Likely fraud. ) XXXX XXXX XXXX XXXX ( Unknown account with suspicious delinquency. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( No medical treatment received. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown medical collection. ) XXXX XXXX XXXX XXXX XXXX ( Billing error, not mine. ) XXXX XXXX  ( Late payments showing on a closed account. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Autopay or fraud issueunauthorized delinquency. ) I want these accounts permanently removed. I did not authorize them. They are damaging my credit and causing hardship.

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 2025-06-30 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: Opportunity Financial, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/Oppsloans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account # XXXXXXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed that the referenced account was charged off as of XX/XX/XXXX and is currently reporting a balance.

I request that you : Provide a copy of the IRS Form 1099C ( Cancellation of Debt ) if one was issued for this account. Which in terms is a profit loss and you have no authorization to collect any debt. The information requested within 30 days of this letter sent to the company named aboved.

The information reporting to the credit report is inaccurate and the company is commiting fraud. According to 15 USC 1692 c, you have violated by lawful commincuations, please remove this off my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
b"Someone charged my account multiple times. I reported it to Wells Fargo when I noticed and they refused to refund me all my money. XXXX WF employees blamed me and said they can only refund three of the most recent charges. I never authorized anything, don't know who XXXX XXXX  is and I just noticed these charges a few days ago and reported it immediately. Both Wells fargo employees were blaming me for not noticing these charges for a year. I use this account to pay bills primarily and everything is set up automatically. She said I logged on several times and I should have checked my charges and report it sooner. I logged on to check my balance and that's pretty much it. Once I noticed, I called Wells fargo in the middle of the night to report. Wells fargo has a 24/7 fraud monitoring message all over their website, yet I am being blamed. \nXXXX XXXX\nXXXX XXXX\nXXXX XXXX\nXXXX XXXX\nXXXX XXXX\nXXXX XXXX\nXXXX XXXX\nXXXX XXXX\nXXXX XXXX\nXXXX XXXX\nXXXX XXXX\ntotal 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 2025-06-30 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:
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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-06-30 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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: FL

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-06-30 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: TX

Complaint narrative:
I am writing to formally dispute a collection account that has been reported on my credit file. I do not acknowledge this debt as valid, and I was never informed of its existence prior to it being reported. As a result, I was denied the opportunity to verify, contest, or resolve the matter in a timely manner.

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 2025-06-30 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: CA

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 North XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} INQUIRIES : XXXX XXXX OF A Date : XX/XX/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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
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 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 XXXX Address : XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Trans Union 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. This fraudulent, inaccurate, and false information consists of XXXX BANK XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I fell prey to a scam and had {$1000.00} stolen from me. I received a text on the evening of XX/XX/year> at about XXXX. The text stated it was from Chase XXXX and asked if I recognized an attempt for {$720.00} purchase at XXXX? I replied No. Shortly thereafter, I received another text from " Chase '' stating a representative would be calling. When they called they stated my account had been fully compromised and that a new account would be set up to transfer my funds so that they wouldn't be stolen. They stated a XXXX transaction would take place. They must have accessed my account from my debit card information they got at the gas station because they requested a {$2000.00} transfer through XXXX. Unbeknownst to me, Chase had emailed me declining it. So the criminals went into Plan B when the XXXX failed. They asked me to set up a new bank account, they asked me for my old account username, password, XXXX. I gave it to them! I thought they were legitimate. Then they asked me to go to an ATM and take out {$1000.00} to transfer to the new account. I did what they told me. But the ATM has a limit of XXXX so they asked me to go to XXXX to get the rest of the money in my account. That's when I knew it was a scam. The texts came from the phone number ( XXXX ) XXXX. Later that night I went into my XXXX account. They had created a Payee with my first and last name but when I clicked on it there was the name " XXXX XXXX '' under my name with a phone number of XXXX. I called the bank immediately Sunday morning to file a dispute and get my money returned. They will not do that because they said I authorized the withdrawal of the {$1000.00}. I believe this is unfair. I had every reason to believe I was being contacted by a Chase employee. I would appreciate your help in getting my {$1000.00} returned to me. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the Experian XXXX XXXX , 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 XXXX XXXX XXXX XXXX ACCOUNTS : XXXXL - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$91.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX BANK Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
On XX/XX/year> I submitted to all 3 beaus information for identity theft and request that the reporting companies provide me with information that debt belongs to myself its now been over 30 days and and the reporting companies has failed to provide me with proof of debt. Springs Oak Capitol is reporting I have a {$4300.00}, debt collection with the company but has failed to provide me with proof of debt in a timely matter. XXXX XXXX is reporting false information to all three credit beaus, I have not paid the company {$5000.00} and have no idea what this collection in regarding and would like proof of account and payment.

Company response to consumer: Closed with explanation