vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I am formally requesting that this matter be reopened, fully investigated, and corrected immediately, as I was a victim of identity theft and have been wrongfully held liable for fraudulent accounts opened in my name. 

Credit accounts were opened without my knowledge or consent and falsely associated with the Army and Air Force Exchange Service ( AAFES ). I have no affiliation with the XXXX or XXXX XXXX and never applied for, authorized, or benefited from these accounts. Upon reviewing the application information tied to these accounts, I discovered false employment information, false income information, and a forged signature, all of which confirm that these accounts were the result of identity theft. 

Despite disputing these accounts since the moment I became aware of them, I have continued to be treated as the responsible party. This is improper and unlawful. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), consumers are not liable for debts incurred through identity theft. Additionally, under 15 U.S.C. 1681c-2, once identity theft is reported, furnishers are required to block and remove fraudulent information and cease collection activity. 

I have made repeated good-faith attempts to resolve this matter by contacting AAFES through XXXX provided email address and phone number, including emailing XXXX and calling XXXX, yet I have received no meaningful response or resolution. This lack of response has resulted in continued financial harm. 

Most concerning, my federal tax refund was intercepted and applied toward a debt that is not mine. The interception of my tax funds for a fraudulent obligation constitutes wrongful collection and unjust enrichment. Because I am not legally responsible for this debt, any funds taken must be returned in full.

I am demanding the following actions be taken immediately : 1. Reopen and conduct a full investigation into this identity theft claim 2. Remove all fraudulent accounts associated with my name and credit file 3. Cease all collection activity permanently 4. Reimburse all tax funds and any other monies wrongfully collected 5. Provide written confirmation that I am released from any liability related to these accounts Failure to correct this matter promptly will leave me no choice but to escalate further through the Consumer Financial Protection Bureau ( CFPB ), the Office of the Inspector General, and my State Attorney General, and to pursue all remedies available under federal law. 

This request is made in good faith and with the expectation that my rights as a victim of identity theft will be honored and enforced.

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 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am reporting fraud by Resurgent Capital Services LLC, LVNV Funding LLC, XXXX XXXX XXXX XXXX etc who falsely represent that General Disputes /Correspondence must be sent to : General Disputes/ Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX order to dispute a " debt ''. After I have already spent monies to send my dispute via certified mail to all these entities for their " account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' " Your reference id : XXXX '', they represented I have to send them my dispute to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX to them. My written XX/XX/XXXX Dispute and Debt Validation Request was received by these FRAUDSTERS via certified mail and now I have to send it AGAIN. This is DISPICABLE. Attached is my XX/XX/XXXX Dispute and Debt Validation Request and a second XX/XX/XXXX Dispute and Debt Validation Request which they forced me to send them again via certified mail. I again paid for the certified mail. 

I demand they respond in writing to my written XX/XX/XXXX Dispute and Debt Validation Request, also second XX/XX/XXXX Dispute and Debt Validation Request and provide all info and documents requested. What a SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Deer Creek Lending
State: RI

Complaint narrative:
I applied for a XXXX dollar loan and didnt realize the amount of interest. They are taking XXXX weekly and XXXX owed by end of payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo has repeatedly applied its overdraft policies in an inconsistent and unpredictable manner. The bank appears to make arbitrary decisions about when checks will be paid or returned, and there is no reliable way for customers to obtain clear explanations. Each time we have attempted to resolve these issues, customer service representatives have been unhelpful, evasive, or dismissive, leaving us without meaningful support. 

Over the course of our relationship with the bank, Wells Fargo has charged overdraft fees on checks that cleared while sufficient funds were available from pending deposits. In several instances, the bank acknowledged that these charges were incorrect, yet only refunded {$10.00} of the {$35.00} overdraft fee. This pattern has occurred multiple times, and the bank rarely provides a clear or consistent reason for why certain transactions are paid or returned. 

Wells Fargo has also placed holds on our depositsincluding paychecks from government agencies XXXX XXXX and local school districts ) and our federal tax refundand then charged overdraft fees on checks that cleared while those funds were being held. In every case, the account had enough money to cover the transactions, yet the bank still assessed {$35.00} per item. 

Additionally, the bank returned our mortgage payment for being {$20.00} short, while simultaneously choosing to pay another check, which caused the account to become overdrawn and resulted in multiple overdraft fees. These decisions appear arbitrary and financially harmful. 

Each time these issues occurred, we contacted customer service. Despite opting in to overdraft coverage, the bank applies this service so inconsistently that it appears unreliable and, at times, dishonest. The lack of transparency and the repeated financial impact on our household have caused significant frustration and concern.

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 2025-12-27 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: NY

Complaint narrative:
I am filing this complaint because TransUnion is reporting incomplete and misleading information regarding a XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account. 

TransUnion reports NO two-year payment history, while XXXX  and XXXX  report XXXX late payments and charge-off activity. These reports can not all be correct. 

Reporting a charge-off without payment history is factually impossible and violates the FCRA. 

Despite my dispute, TransUnion failed to correct or delete the tradeline and instead continued reporting unverifiable data. 

Violations 15 U.S.C. 1681e ( b ) Inaccurate and incomplete reporting 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation

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 2025-12-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies.

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress
they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: CT

Complaint narrative:
I am filing a complaint because XXXX XXXXXXXX XXXX previously removed this charged off account from my credit report and it has now been added back without proper reinsertion compliance and while still being reported inaccurately.

This account continues to show ongoing monthly charge off notations after the account was already charged off years ago, which is improper re aging and inaccurate derogatory reporting. The account is also missing the legally required Date of First Delinquency. 

Under 15 USC 1681i a 5 B, a credit bureau may not reinsert previously deleted information unless the furnisher certifies the accuracy of the account and I am notified in writing within 5 business days of reinsertion. I did not receive proper notice of reinsertion and no certification of accuracy has been provided. Therefore this reinsertion is unlawful.

This violates 15 USC 1681i a 5 B, 15 USC 1681e b, and 15 USC 1681s 2 due to inaccurate and unverifiable reporting and continued re aging behavior. I am requesting CFPB to require deletion of this account due to improper reinsertion and continued inaccuracies, or require full correction including reversal of false late history, restoration to paid as agreed status prior to charge off, accurate DOFD reporting, and removal of improper continuous charge off coding.

Failure to reasonably investigate ( 15 USC 1681i ) Continued inaccurate furnishing ( 15 USC 1681s-2 ) Accuracy violations ( 15 USC 1681e ( b ) )
Reinsertion violation ( 1681i ( a ) ( 5 ) ( B ) ) If the account can not be legally validated in full compliance with FCRA requirements, it must be deleted.

Thank you.

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 2025-12-27 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:
I recently reviewed my consumer credit report and discovered several accounts, inquiries, and personal information being reported that I do not recognize, did not authorize, and did not knowingly agree to.

At the time these accounts were allegedly opened or reported, I was an uninformed consumer and was not provided clear, conspicuous, or meaningful disclosure of the terms and conditions associated with these accounts. I was also not informed of my right to opt out of credit reporting, nor did I give written or verbal authorization for my nonpublic personal information to be shared or reported.

As a result, my personal and financial information was used and reported without my knowledge or consent, which constitutes a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ).

I have reason to believe that inaccurate, unverifiable, or unauthorized information has been furnished to consumer reporting agencies without lawful purpose. These inaccuracies have caused harm to my credit profile, financial standing, and overall well-being.

I am formally disputing all inaccurate, misleading, and unauthorized information associated with my credit file and requesting that each shown item be fully investigated, verified, or deleted in accordance with federal law.

I am requesting full compliance with the Fair Credit Reporting Act, including but not limited to : Verification of accuracy and permissible purpose Immediate deletion of any unverifiable or unauthorized information Correction of all inaccurate personal data I am acting in good faith and expect this matter to be handled promptly and professionally.

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 2025-12-27 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: CL Holdings LLC
State: NC

Complaint narrative:
I am demanding the immediate deletion of the collection account reported by XXXX XXXX XXXX XXXX with an alleged balance of {$740.00}, as this account is inaccurate, unverified, and not my debt. 

I do not recognize this account, did not enter into any agreement with XXXX XXXX XXXX XXXX or any alleged original creditor, and I am not legally responsible for this debt. This account is being reported without competent evidence establishing my liability. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy. Reporting a collection account without documentary proof of legal obligation violates this requirement.

Further, under 15 U.S.C. 1681i ( a ), TransUnion may not continue to report information that is unverifiable. To date, no signed contract, itemized billing statement, or complete chain of assignment has been produced to demonstrate that I owe this alleged debt. 

Because this account : Is not mine Lacks competent verification Is causing ongoing financial harm Has already been disputed by the consumer I am demanding immediate deletion of this account from my TransUnion credit file. 

Please note that verification must consist of documentary evidence, not automated or electronic confirmation through third-party systems. Continued reporting of this account without proper verification constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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:
I have pulled my consumer report from XXXX. There is information showing my name as XXXX XXXX XXXX as male ; there is a report on the XX/XX/XXXXshowing an incident or event on XX/XX/XXXX with my name, but in a vehicle that I have never driven, nor had any incidents in. Also, it shows me having lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never lived in XXXX, nor owned property there. Several of the reported emails listed are ones I have never created. There also appears to be XXXX property claims on the current address in XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. There was simply a call to start a claim for water damage -- -however the claim was withdrawn and certainly was just XXXX of which I initiated on that date.

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 2025-12-27 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:
I have pulled my consumer report from XXXX. There is information showing my name as XXXX XXXX XXXX as male ; there is a report on the XX/XX/XXXXshowing an incident or event on XX/XX/XXXX with my name, but in a vehicle that I have never driven, nor had any incidents in. Also, it shows me having lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never lived in XXXX, nor owned property there. Several of the reported emails listed are ones I have never created. There also appears to be XXXX property claims on the current address in XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. There was simply a call to start a claim for water damage -- -however the claim was withdrawn and certainly was just XXXX of which I initiated on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IL

Complaint narrative:
We are recent immigrants to the United States and long-standing Chase customers.

We are reporting a series of unauthorized ATM withdrawals made on one of our debit cards.

We acknowledge that notification occurred after 60 days from the first appearance of these transactions.

However, Chases handling of this matter has been unreasonable, procedurally flawed, and dismissive of clear indicators of long-term fraud.

Key facts : One debit card was largely dormant for months, except for unexplained ATM withdrawals The ATM locations and dates do not match our routines or locations Transactions were small and spread out, making detection difficult for new U.S. banking customers Chase combined transactions from two separate debit cards during the dispute process Chase denied the claim solely on the basis that a PIN was used, without meaningful investigation Chase refused to specify what evidence would be acceptable to support our claim We were told to subpoena ATM footage ourselves, which is unreasonable for consumers We are not alleging that Chase must reimburse automatically. 
We are alleging that Chase failed to conduct a fair and reasonable investigation and instead treated us as if we were attempting to defraud the bank.

We have no criminal history, no prior fraud claims, and no rational incentive to fabricate ATM fraud, especially given our immigration status.

Reporting the issue only harmed us financially.

We are requesting : A proper re-investigation by a senior Regulation E or executive review team A written explanation of the evidence relied upon to deny the claim Consideration of partial reimbursement or goodwill credit based on the totality of circumstances

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I called experian and asked for a complimentary business credit report due to the fact that its a collection on my business credit report and it was Not properly investigated I was told No I would have to purchase it unless I can show i was denied business credit. 
I submitted a dispute and it was not answered I called several times and was told the same thing.

Company response to consumer: Closed with explanation