vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing pursuant to 15 U.S.C. XXXX and 15 U.S.C. XXXX, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. Identity Theft XX/XX/XXXXXXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this 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 2025-11-05 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: IN

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a 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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: VA

Complaint narrative:
I am not a Discover Bank customer, but on XX/XX/scrub> 2025, my XXXX bank account was hacked, and XXXX of the fraudulent wire transfers initiated by the hacker was sent to an account held at Discover Bank. I did not authorize or initiate this transfer. 

After discovering the fraud, I immediately reported it to XXXX and then contacted Discover Bank to request that the funds be frozen or returned. Despite my prompt action and documentation of the unauthorized origin of the transfer, the funds sent to the Discover account were not recovered. 

I believe Discover Bank should have acted to identify and restrict the suspicious inbound wire once it was reported as originating from a compromised account. This lack of action contributed to my financial loss. 

I also filed reports with law enforcement and the FBIs Internet Crime Complaint Center ( XXXX ) regarding this incident. Both agencies were provided documentation of the fraudulent transactions and the involved accounts. 

XXXX Submission ID : XXXX XXXX XXXX Financial Crime Report Control Number : XXXX Wire Transfer XX/XX/XXXX XXXX Amount : {$50000.00} Recipient name : XXXX XXXX Recipient account number : XXXX Recipient address : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Receiving bank Wire routing number : XXXX Bank name : DISCOVER,XX/XX/XXXXXXXX XXXX XXXX Bank city & state : XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
On my recent credit report, I discovered an account that does not belong to me. The account is listed as a XXXX XXXX with a balance of {$3500.00}, reported as charged off and closed by the credit grantor on XX/XX/scrub> 2024. 
I have never opened or authorized any credit card account with XXXX XXXX Bank ( XXXX ). This appears to be a case of identity theft or inaccurate reporting. 
After discovering the error, I took the following steps : Contacted XXXX XXXX XXXX by phone and in writing to dispute the account and request verification. I was told the account would be investigated. 
Contacted all XX/XX/XXXXmajor credit bureaus ( Equifax, XX/XX/XXXX, and XX/XX/XXXX) to dispute the entry and request removal under the Fair Credit Reporting Act ( FCRA ). 
Provided copies of my identification, proof of address, and a written statement confirming I never opened this account. 
Despite these efforts, the account remains on my credit report and continues to negatively affect my credit standing. XXXX has not provided any documentation with my signature or any proof that I applied for or used this credit card. 
I am requesting that the CFPB assist in having this fraudulent or inaccurate account removed from my credit reports and require JPMCB to provide full documentation verifying the legitimacy of the account if they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
On my recent credit report, I discovered an account that does not belong to me. The account is listed as a XXXX XXXX with a balance of {$3500.00}, reported as charged off and closed by the credit grantor on XX/XX/ XXXX. 
I have never opened or authorized any credit card account with XXXX XXXX Bank ( XXXX ). This appears to be a case of identity theft or inaccurate reporting. 
After discovering the error, I took the following steps : Contacted XXXX XXXX XXXX by phone and in writing to dispute the account and request verification. I was told the account would be investigated. 
Contacted all three major credit bureaus ( XX/XX/XXXX and TransUnion ) to dispute the entry and request removal under the Fair Credit Reporting Act ( FCRA ). 
Provided copies of my identification, proof of address, and a written statement confirming I never opened this account. 
Despite these efforts, the account remains on my credit report and continues to negatively affect my credit standing. XXXX has not provided any documentation with my signature or any proof that I applied for or used this credit card. 
I am requesting that the CFPB assist in having this fraudulent or inaccurate account removed from my credit reports and require XX/XX/XXXX to provide full documentation verifying the legitimacy of the account if they continue to report it.

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 2025-11-05 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: CA

Complaint narrative:
In XXXX I tried to apply for a personal loan with a company. When they started to ask me questions about my login information and how they can release funds as soon as possible I would need to create a XXXX time card withXX/XX/XXXX. I knew something was suspicious and decided to not go along with the loan. I advised the gentlemen that I changed my mind and no company does loans the was he described. So I hung up amd when I checked my account. I saw there was a money transfer already done on cash app and to my personal accounts. A check with was deposited in my accounts with a fake check with a company name and not my account and a signature. My Wells Fargo bank suspected that the check was fictitious and altered. I filed ao many claims with my bank and alsoXX/XX/XXXX The bank gave me a provisional credit but later said they have to take it back because XX/XX/XXXX said I made the the money transfer which I did not. I dont understand how the scamers can fake all these things and say ita still my fault.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXX/XX/XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Please investigate the provided materials ; the inquiries appeared without any prior notice and might be unapproved.

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 2025-11-05 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: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX. XXXX XXXX, TX XXXX : Formal Dispute of Inaccurate and Fraudulent Information on My Experian Credit ReportTo Whom It May Concern, I am writing to formally dispute several inaccurate and negative items on my credit report with Experian. This dispute is in connection with fraudulent activity that has compromised my personal information and resulted in erroneous reporting on my credit file.After reviewing my credit report, I have identified multiple false and negative entries that were reported inaccurately and are the result of unauthorized access to my account. It is clear that Experian has not adequately conducted the necessary investigations to validate the accuracy of these entries, despite my previous attempts to have this matter resolved.Details of the Errors Include : Multiple negative accounts that I did not authorize. Fraudulent inquiries and accounts opened without my consent. Incorrect and outdated information that should have been removed per the Fair Credit Reporting Act ( FCRA ) .Given that Experian has a legal obligation to ensure that all information reported is accurate and to conduct a thorough investigation of disputes under the FCRA, I am demanding immediate action to correct these errors.I request that Experian take the following steps:1. Conduct a Proper Investigation : Investigate all disputed items thoroughly and provide a detailed report of your findings.

2. Remove All False and Negative Information : Eliminate all fraudulent, inaccurate, and negative items from my credit file.3. Provide Written Confirmation : Send me a revised credit report reflecting the corrections made to my file.If these errors are not addressed within 30 days of receiving this letter, I will be left with no alternative but to pursue further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies.Please find attached supporting documentation to assist in your investigation.Thank you for your immediate attention to this urgent matter. I look forward to receiving confirmation that these inaccuracies have been corrected.Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-05 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: WA

Complaint narrative:
Dear Sir/Madam, I am a consumer working to fix my credit. I am disputing the following accounts based on the details provided below. Please review and take appropriate action as necessary. 

CHARGED OFF XXXX : XXXX XXXX - Account Number : XXXX, Opened : XXXX, Balance : {$0.00} LATE PAYMENT EQ : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NM

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I state that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made all payments on time, and any errors in this reporting are both unfair and unlawful.

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 2025-11-05 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-05 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TSIXXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TSIXXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX 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 explanation