vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
On or around XX/XX/year>, I received a collection notice from Southwest Credit Systems ( SWC ) claiming I owe {$1000.00} for a XXXX account I do not recognize. The notice referenced account # XXXX. I immediately disputed the debt in writing and requested validation under my rights in the Fair Debt Collection Practices Act ( FDCPA 809 ). 

On XX/XX/year>, SWC responded and admitted they could not provide a signed agreement or direct proof linking the alleged account to me. They instead forwarded general billing statements from XXXX with my name, which does not meet the legal definition of debt validation under FDCPA. Furthermore, they never produced a XXXX XXXX XXXX, which is the legal contract required to prove that SWC has authority to collect on behalf of XXXX. 

I also contacted XXXX, and they were unable to verify the account or provide documentation. I believe this account may have resulted from identity theft, mixed file errors, or unauthorized use. Despite this, SWC continued to attempt collection and may have reported this to credit bureaus without proper validation.

Their actions violate : FDCPA 809 ( b ) for failing to cease collection while debt is disputed and not providing proper validation, FCRA 623 ( a ) ( 1 ) ( A ) if they reported inaccurate or disputed data to credit reporting agencies, FCRA 623 ( a ) ( 3 ) for failing to report the account as disputed, FCRA 611 & 1681s-2 ( b ) for failing to verify the information before or after being notified of dispute.

I have made every effort to resolve this directly and have requested deletion of the account from any reporting bureaus. SWC closed the account internally but has not confirmed that any negative information was removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
account is wrong and with XXXX XXXX XXXX and its messing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Routing # : XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b'There are a couple of issues with this complaint pertaining to Wells Fargo Bank. \n\n1. The continued request for valid information is not responded to.  CFPB closes all the cases because it uploaded a response from Wells Fargo that does not address the question. Please do not close based on a letter that has XXXX  information. \n2,  Wells Fargo has Federal Government responsibilities that protects the consumer! I need to understand why was this account of mine with a balance of about $XXXX  dollars blocked? Why did the account go to the Risk Management office.\n3. I received a call from XXXX  from XXXX XXXX "Wells Fargo Corp office" indicating they were looking into this within 10 days on XXXX XXXX XXXX.  Since, I have been calling back for an update.  There is no reason why I should be blocked from banking with Wells Fargo after over 29 years of banking with them with NO issues!!!!  What new information did you acquire that led to this?\n\nAccount opened for: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX\n\nCurrent address is: XXXX XXXX XXXX XXXX XXXX CA XXXX\n\nI am asking CFPB to not close this case due to a reply letter with no valid information.  There needs to be a reason for this!  \n\nPlease request valid reason for blocking me from banking with WF! \n\nThank 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 2025-06-11 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: TX

Complaint narrative:
I was victim of data breach and identity theft I submitted police report and the item is still showing on my credit there are fraudulent accounts from XXXX XXXX XXXX  and XXXX XXXX reporting on my file and all are fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I was victim of data breach and identity theft I submitted police report and the item is still showing on my credit there are fraudulent accounts from XXXX XXXX XXXX  and XXXX XXXX reporting on my file and all are fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
It is believed that Jefferson Capital received my credit information and account unlawfully due to a data breach that occurred on XX/XX/XXXX with the alleged original creditor. Jefferson Capital was never able to verify the account I had with them nor the agreement to pay yet they have marked the account as past due as of XX/XX/XXXX on my consumer credit report which is negatively impacting my credit score and report. I am requesting removal of derogatory remark within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The 3rd Party company National Credit Adjusters is requesting the amount of {$430.00} for a transaction I know nothing about. They listed XXXX XXXX as the original company they bought the loan from but I have no clue who this company is. 

I am responsible in paying anything I know and have a good history of paying things on time. I know nothing of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report eight fraudulent account ( s ) appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a credit card opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a duplicate credit card opened at XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a collection account opened at XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
Experian has failed to grill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on number credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recent filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my Experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experians inactions violates federal law and my rights as a consumer ACCORDING TO 605B THESE ACCOUNTS ARE NOT MINES SO PLEASE DELETE IN FOUR DAYS THANK YOU. XXXX Account number XXXX {$1600.00}. XXXX, Account number XXXX, {$2400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Docket # XXXX They are making me pay for a stay at a property that I didnt stay in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
I am filing this formal complaint against Equifax Information Services LLC, Experian Information Solutions Inc., and TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974.

These credit reporting agencies are unlawfully reporting inaccurate, incomplete, unverifiable, and unauthorized information on my credit profile. Despite my formal disputes, they have failed to conduct a reasonable reinvestigation and continue to maintain derogatory data that damages my creditworthiness. The disputed items include : XXXX XXXX XXXX Hard Inquiry dated XX/XX/XXXX XXXX  Account ending in XXXX ; reported late XX/XX/XXXX XXXX XXXX Account ending in XXXX ; reported late XXXX and XX/XX/XXXX XXXX Account ending in XXXX ; reported late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  Account XXXX in XXXX ; reported as a charge-off XXXX XXXX  Account ending in XXXX ; marked closed XXXX Account ending in XXXX ; marked closed XXXX, XXXX, XXXX XXXX XXXX unauthorized XXXX inquiries Each of these agencies has failed to provide verification with original source documentation, as required by 15 U.S.C. 1681i. Further, there is no record of a permissible purpose for these entries under 15 U.S.C. 1681b. I have not given written authorization or consent for the use or distribution of my Social Security number or financial data, in direct violation of the GLBA and Privacy Act protections for consumer data.

These credit bureaus have also neglected to fulfill their obligations under the Fair Credit Reporting Act by : Failing to delete unverifiable information within 30 days Sharing my nonpublic personal information without my explicit permission Allowing the continued re-reporting of items previously disputed without proper certification The ongoing mishandling of my data by all three credit bureaus has caused measurable harm, including reduced credit opportunities and emotional distress. This conduct constitutes a coordinated breach of my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
I am filing this formal complaint against Equifax Information Services LLC, Experian Information Solutions Inc., and TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974.

These credit reporting agencies are unlawfully reporting inaccurate, incomplete, unverifiable, and unauthorized information on my credit profile. Despite my formal disputes, they have failed to conduct a reasonable reinvestigation and continue to maintain derogatory data that damages my creditworthiness. The disputed items include : XXXX XXXX XXXX Hard Inquiry dated XX/XX/XXXX XXXX  Account ending in XXXX ; reported late XX/XX/XXXX XXXX XXXX Account ending in XXXX ; reported late XXXX and XX/XX/XXXX XXXX Account ending in XXXX ; reported late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  Account XXXX in XXXX ; reported as a charge-off XXXX XXXX  Account ending in XXXX ; marked closed XXXX Account ending in XXXX ; marked closed XXXX, XXXX, XXXX XXXX XXXX unauthorized XXXX inquiries Each of these agencies has failed to provide verification with original source documentation, as required by 15 U.S.C. 1681i. Further, there is no record of a permissible purpose for these entries under 15 U.S.C. 1681b. I have not given written authorization or consent for the use or distribution of my Social Security number or financial data, in direct violation of the GLBA and Privacy Act protections for consumer data.

These credit bureaus have also neglected to fulfill their obligations under the Fair Credit Reporting Act by : Failing to delete unverifiable information within 30 days Sharing my nonpublic personal information without my explicit permission Allowing the continued re-reporting of items previously disputed without proper certification The ongoing mishandling of my data by all three credit bureaus has caused measurable harm, including reduced credit opportunities and emotional distress. This conduct constitutes a coordinated breach of my consumer rights under federal law.

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