vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My Wells Cargo debit card was fraudulently charged for 2 purchases on XX/XX/XXXX : one for XXXX store, and the other for XXXXXXXX XXXX XXXX XXXX both for the total amount of {$100.00}. I called the bank right away to notify them about the charges that i did not authorize and to close my card. They took all the information pertaining the orders that I have received from XXXX XXXX store 's email to me, also canceled my card, and issued a new one. They also issued a temporary credit on my account for the lost money. Ina few weeks, I received a mail asking the bank to give them a call to provide some additional information, and I did right away. The claims representative told me they will contact me if any additional info is needed. Instead, I received a letter from the bank stating that they " did not receive the information they requested from me, they based their decision on the information available '' and determined the transaction was authorized that a processing error did not occur. As a result, they informed me they are going to deduct the provisional credit on XX/XX/year> of {$100.00}, previously provided to me. 
I called their Claims Assistance Center to request reconsideration, and explanation. I spent over 2 hours on the phone with 2 of their representatives, and the only reason they could provide me was that there was no suspicious pattern in those transactions, or to the old card that they canceled for me. It was very frustrating to waste so much time with them on the phone with such resolution. My husband and I have been Wells Fargo customers for many years, and I would never lie to them and try to return money that i did authorize to spend, I would return the items to the store, and try to resolve the issue with the store. It feels like their claims representatives called me a liar. I did not authorize those 2 transactions, and I would like a fair and just resolution to my case with the bank returning the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 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:
I am disputing multiple fraudulent accounts that were opened in my name without my knowledge or consent, which I discovered in XX/XX/year>. These accounts are the result of identity theft and are negatively impacting my credit reports and quality of life. 

Fraudulent accounts include : XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Accounts # XXXX and # XXXXXXXX XXXX XXXX Account # XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting the immediate blocking and deletion of these fraudulent accounts from my credit reports with Experian, Equifax, and TransUnion. These accounts were opened without my authorization.

Failure to correct this may result in further action under 15 U.S.C. 1681n for civil liability due to willful noncompliance. This ongoing issue has caused financial and emotional harm, severely affecting my mode of living.

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 2025-07-10 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:
I am disputing multiple fraudulent accounts that were opened in my name without my knowledge or consent, which I discovered in XX/XX/year>. These accounts are the result of identity theft and are negatively impacting my credit reports and quality of life. 

Fraudulent accounts include : XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Accounts # XXXX and # XXXXXXXX XXXX XXXX Account # XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting the immediate blocking and deletion of these fraudulent accounts from my credit reports with Experian, Equifax, and TransUnion. These accounts were opened without my authorization.

Failure to correct this may result in further action under 15 U.S.C. 1681n for civil liability due to willful noncompliance. This ongoing issue has caused financial and emotional harm, severely affecting my mode of living.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: VA

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 XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} INQUIRIES : 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 2025-07-10 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: NJ

Complaint narrative:
Dear Dispute Of Inaccurate Late Payment Reporting - Account Reference 1- ) XXXX, XXXX XXXX Acct # XXXX. XXXX XXXX XXXX XX/XX/year> Subiet : Request for inacurete late payments base on FCRA specifically 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion or establishment. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these fraudulent accounts from my report as required under the Fair Credit Reporting Act. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and financial responsibilities that are not mine. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home, securing favorable loan terms, and meeting the essential needs of my family. The continued reporting of these identity theft-related accounts violates federal consumer protection laws and causes ongoing harm to my creditworthiness and financial opportunities.

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 2025-07-10 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: GA

Complaint narrative:
I was a victim of data breach, and my personal information was compromised without my authorization. As a result, fraudulent accounts and/or inquiries have appeared on my credit report, which I did not open or authorize. I'm requesting that these fraudulent items be removed from my credit reports under the Fair Credit Reporting Act ( FCRA ) 605b, which mandates the blocking of identity Theft, Related information. I'm Also exercising rights under the Fair under the Fair and Accurate Credit Transactions Act ( FACTA ). This Identity theft is a direct result of a known Data breach, and I am taking all legal steps to restore my identity and remove these fraudulent accounts. I am attaching a copy of my ID, proof of address, and a list of fraudulent accounts/inquiries that appeared on my credit report without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of addresses that I would like to have permanently deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I disputed a collection account reported by Portfolio Recovery Associates multiple times and requested validation of the debt. I asked for a copy of the original signed contract from XXXX XXXX, a full itemized history of the account, and proof that PRA legally owns the debt or has the authority to collect it.

Despite this, Portfolio continued reporting the debt to the credit bureaus without providing proper validation. The only thing sent was a basic balance notice, which does not satisfy FDCPA 15 U.S.C. 1692g or FCRA 15 U.S.C. 1681s-2. They are furnishing potentially inaccurate or unverifiable information after a formal dispute, which violates federal law.

This account has caused significant damage to my credit report. I have acted in good faith to resolve the matter, but the company has not. I am filing this complaint to seek enforcement and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4500.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2000.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information 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 XXXX XXXX XXXX  IL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
Equifax is reporting inaccurate information on a closed XXXX XXXX account on my credit report. In XXXX of XXXX  Equifax reported payment on time but in the following month, XX/XX/year> the same account is reported as 60 days late. This is not possible and is clearly inaccurate and erroneous, this account was paid on time and was not 60 days late. The reporting is wrong and must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX and Equifax for reporting an inaccurate and misleading charge-off account on my credit report. 

The account in question ( auto loan ending in XXXX ) was originally delinquent in XX/XX/XXXX. It was later transferred or sold to a debt buyer ( XXXX XXXX XXXX ), and the balance is now {$0.00}. However, Equifax continues to list this account as a charge-off with a recent report date of XX/XX/XXXX, and no Date of Last Activity. This creates a misleading impression of a recent delinquency, possibly re-aging the account, which would violate FCRA 605 ( c ) ( 1 ).

Additionally, the account is marked as Transferred/Sold but still impacts my score as a charge-off. If the original creditor no longer owns the debt, it should not continue to report the account in a derogatory status. This appears to be duplicative and harmful under FCRA 623 ( a ) ( 1 ) ( A ) and CFPB guidance on fair reporting. 

I submitted a dispute directly to both Equifax and XXXX in XX/XX/XXXX, but the information has not been corrected or removed. I am requesting the CFPB investigate this issue and ensure that this account is either : Corrected to reflect accurate, non-derogatory, and complete reporting Or deleted entirely from my credit report if the creditor no longer owns the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am bringing attention to a concerning matter regarding my credit file that requires immediate resolution. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection account or the underlying debt. Furthermore, I hold serious doubts about the accuracy and legitimacy of the debt being claimed against me. As per the Fair Debt Collection Practices Act, I have the fundamental right to request proper validation of this debt, including verification of the original creditor, the amount owed, and proof that your agency has the legal authority to collect on this account. The lack of prior notification and the questionable nature of this debt raise significant concerns about potential violations of federal debt collection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: VA

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 XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$86.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$90.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} INQUIRIES : 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 2025-07-10 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS XXXX XXXX XXXX  AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief