vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent a Wire Transfer on XX/XX/year> from my Checking Account at Wells Fargo Bank to my daughters bank in XXXX called XXXX Bank for the amount of {$61000.00}. After the up to 10 days that they said it could take, my daughter did not receive the money transfer and we started calling our respective banks. My Wells Fargo banker stated that the money was sent and removed from my account but XXXX Bank in XXXX said the money was not received. I escalated to Wells Fargo Wire Transfer Department who, after multiple attempts at contacting them, finally initiated a trace and then a recall at my request. Since then the Wells Fargo Wire Transfer Department has continued saying that they do not have my money as it was sent to the other bank. My daughter had contacted her bank ( XXXX Bank ) who tell her they have received no money and that their intermediary, XXXX, sent them a message that the Wire Transfer was rejected. So for the past 6 weeks, the Wells Fargo XXXX XXXX Department have continued to say they can't return my money even if it was rejected and that they have sent queries every week to XXXX Bank and XXXX and have gotten no response. When I asked what they would do if they never got any response, they stated they would close the case and I would lose my {$61000.00}. That does not make any sense to me in the arena of digital banking they should always know where money is. My daughter is frustrated by not having money for her tuition and I seem to be out {$61000.00}. Additionally, Wells Fargo XXXX XXXX  Department indicate that they will be charging me a fee for their Wire Transfer services which have produced no results in returning my funds anyway. Please help!

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-16 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: NV

Complaint narrative:
I am filing this complaint due to identity theft and the continued reporting of fraudulent accounts on my consumer credit reports. I did not open apply for or authorize the XXXX XXXX  account number XXXX or the collection account being reported by XXXX XXXX XXXX under account number XXXX. I have no contractual relationship with these accounts and never received goods services billing statements or lawful notice related to them. I only became aware of these accounts after reviewing my credit reports. I believe my personal information was compromised as a result of multiple data breaches in recent years which exposed sensitive identifying information without my consent. These accounts are not the result of my financial activity and are the direct product of identity theft. Under FCRA Section 605B and 605C and FACTA identity theft related information must be blocked and removed once reported. Despite disputes these items continue to be reported causing financial harm credit denial stress and interference with lending and housing opportunities. I am requesting an immediate investigation and permanent removal of all fraudulent information related to these accounts.

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 2025-12-16 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: NV

Complaint narrative:
I am filing this complaint due to identity theft and the continued reporting of fraudulent accounts on my consumer credit reports. I did not open apply for or authorize the XXXX XXXX  account number XXXX or the collection account being reported by XXXX XXXX XXXX under account number XXXX. I have no contractual relationship with these accounts and never received goods services billing statements or lawful notice related to them. I only became aware of these accounts after reviewing my credit reports. I believe my personal information was compromised as a result of multiple data breaches in recent years which exposed sensitive identifying information without my consent. These accounts are not the result of my financial activity and are the direct product of identity theft. Under FCRA Section 605B and 605C and FACTA identity theft related information must be blocked and removed once reported. Despite disputes these items continue to be reported causing financial harm credit denial stress and interference with lending and housing opportunities. I am requesting an immediate investigation and permanent removal of all fraudulent information related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
An employee of Lowes took an entire week to finish issuing us multiple credit cards for one to two purchases. The charges were made by Lowes who did not bother to inform me the card was inactive, instead ran up thousands of dollars, with me being unaware of a particular card. Lowes then proceeded to dump all of those charges on another card to hide their fraudulent activities and charge me very high interest.

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 2025-12-16 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 submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable reinvestigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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 submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable reinvestigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

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 2025-12-16 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: NC

Complaint narrative:
I am submitting this complaint as a consumer who is actively working to repair my credit. After reviewing my Equifax credit report, I identified charged-off accounts and late payments that I believe may be inaccurate or not properly verified. 

* * Charged-Off Accounts in Dispute ( Equifax ) : XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX I am requesting Equifax to verify the accuracy, ownership, balances, and reporting status of these accounts. Any account that can not be verified should be corrected or removed. 

* * Late Payments in Dispute ( Equifax ) : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX I dispute the accuracy of these late payments and request verification. 

I respectfully request that Equifax investigate these matters and ensure my credit report reflects only accurate and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a consumer disputing inaccurate and unverifiable information being reported by Equifax. 
This report contains multiple errors, including incorrect addresses, charged-off accounts, and unauthorized inquiries. 

1. Incorrect/Outdated Addresses : Equifax continues to report the following previous addresses, which are outdated or inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I no longer reside at these addresses and request they be deleted to avoid confusion or identity mismatch during credit reporting. 

2. Charged-Off Accounts in Dispute : I am disputing the accuracy, validity, and ownership of the following accounts being reported as charged off : XXXX XXXX XXXX XXXX ending in XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX These accounts contain inconsistent reporting dates, balances, and statuses across bureaus. I am requesting verification or removal if Equifax can not confirm complete accuracy. 

3. Inquiries : The following inquiries are not recognized and should be investigated for possible unauthorized access : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 4. Late Payments : I am disputing reported late payments on the following accounts as I do not have supporting records validating them : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I request a full investigation per FCRA 611 and removal of any unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: TX

Complaint narrative:
From the outset, I was aware that the alleged debt had never been in default and that it was paid in full directly to the hospital I attended in XXXX. Sometime in late XXXX, the company began contacting me regarding this matter via text message. Between XX/XX/XXXX and XX/XX/XXXX, I repeatedly requested verification of the alleged debt. Because I had moved from the address they had on file, I updated my address in good faith so that the requested documentation could be mailed to me. Despite this, they failed to provide any verification or actual proof from the hospital. 

Instead of supplying the requested documentation, they reported the alleged debt to the credit reporting agencies, which caused a decrease in my credit score. In XX/XX/XXXX, after gathering all relevant documentation related to this account, I submitted the evidence to them by certified mail. The documentation clearly demonstrated that the medical bill had been paid in full. I formally requested that the collection account be removed from my credit report and that I receive written confirmation that the alleged debt was dismissed based on the evidence provided. I received no response. 

Subsequently, I submitted dispute letters and supporting documentation to all three credit reporting agencies. As a result, whether due to my submission or theirs, the collection account was removed from my credit reports. However, last week, the same company, National Recovery Agency, contacted me again by text message, stating that the debt was still pending and providing a so called dispute deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Every new payment month I have trouble signing into my account, I continuously receive a notification, stating WE ARE HAVING TROUBLE FINDING YOUR ACCOUNT AT THIS TIME TRY AGAIN LATER, until the 2nd payment cycle starts over and now I have a late fee and am forced to pay both the original payment and the late fee and the new cycled payment! I noticed this over the summer of 2025, and have called the 800 number requesting what the issue is with making an initial payment and why is it once late fees and 2 months of payments are due now suddenly its a ONE CLICK OPTION?

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 2025-12-16 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-16 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:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts that are inaccurately reported on my credit report. These accounts are showing as charged off, and I believe they contain errors or inaccuracies that need to be corrected. Please investigate these items and update the credit bureaus accordingly. 

CHARGED OFF XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Discrepancy : I dispute the reporting of this account as charged off. The account may have been inaccurately reported as charged off or contains incorrect payment information. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} Discrepancy : This account should not be listed as a charge-off, and the date opened may be incorrect, which has led to inaccurate reporting of the account 's status.

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 2025-12-16 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Inquiries XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payment XXXX XXXX  Account Number : XXXXXXXX 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
List of accounts below has violated my XXXX  protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
An American Express XXXX XXXX was open in XXXX without my permission or knowledge. I wasnt aware of it and did not find out about it until late XXXX when I received collection notices. Prior to that I had not received any communication about this card. It is FRAUD and identity theft as I did not authorize any card to be opened with American Express. I am XXXX XXXX XXXX and am the victim of identity theft and American Express is not help and taking aggressive unfair practice and suing me for the balance.

Company response to consumer: Closed with explanation