vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX BANK XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$1200.00} XXXX BANK XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$2400.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$980.00} XXXX CARD - Account Number : XXXX, Date Opened : XXXX, Balance : {$800.00} BANK OF XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$3500.00} DISCOVERCARD - Account Number : XXXX, Date Opened : XXXX, Balance : {$1900.00} XXXX CARD - Account Number : XXXX, Date Opened : XXXX, Balance : {$2300.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1400.00} XXXX CARD - Account Number : XXXX, Date Opened : XXXX, Balance : {$2300.00} CAPITAL XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1200.00} ONEMAIN - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reached out to Experian- they have over XXXX address and other inaccurate information- I just had credit card theft where personal information was added that has now been removed by others but not Experian and Equifax Experian removed the fraudulent XXXX XXXX accounts were Equifax and Transunion did not Equifax is showing old accounts in XXXX XXXX dismal and nothing current Also another fraud account was XXXXXXXX XXXX XXXX  XXXX which remains on my account after proving its not mine and fraud I have sent XXXX letters with credentials required and the send generic letters asking for dl and verification even after I send it all I was never late with XXXX XXXX XXXX and it shows late

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 2025-08-13 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPT OF ED/XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
Reference XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Jefferson Capital System LLC is attempting to collect a debt in the amount of XXXX, without proof of ownership and without producing the legal chain of title. I dispute this debt in its entirety and demand full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

You claim to have purchased this account from the original creditor. All debts originated by major creditors are routinely securitized, transferred to a trust, and owned by that trust. The trust then becomes the legal creditor. This raises serious questions : 1. Identify the trust that originally held this account after securitization.

2.Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

3. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

4. Verification of the debt amount you are seeking to collect, including evidence that a contract exist creating the amount you claim I owe.

5. Proof that the original creditor securitized the debt.

You are required to produce : 1. The full chain of title for this account, from origination to present, including all assignments, bills of sale, and transfer agreements.

2. A copy of the original signed agreement creating the alleged obligation.

3. Proof that you have legal standing to collect, including documentation naming Jefferson Capital System LLC as the current creditor.

4. Proof that the debt was not securitized and sold to a trust, or if it was, documentation showing every transfer since securitization.

5. A complete accounting of the amount you claim is owed, including principal, interest, fees, and how these amounts were calculated.

If you can not produce these documents, you must : Remove any reference to this account from any credit reporting agency, Cease all collection activity, Refrain from selling, transferring, or assigning this account to any other entity.

Until you provide full and complete validation, you must cease all collection activity, including reporting or furnishing information to any credit reporting agency. If you have already reported this account, it must be marked as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Any attempt to collect without providing proper validation will be considered a violation of federal law and may result in legal action against you.

You have 30 days from receipt of this letter to provide the required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a Wells Fargo customer in XXXX XXXX, Texas. Since opening my account, I have experienced repeated fraudulent activity : Approximately {$100.00} Approximately {$1600.00} Most recently, {$3600.00} on XX/XX/year>. 

After the {$1600.00} incident, Wells Fargo changed my account number but did not cancel my compromised debit card, despite knowing my account was already targeted for fraud. This failure left my account vulnerable. 

On XX/XX/year>, I reported the {$3600.00} unauthorized transaction to Wells Fargo. On XX/XX/year> only XXXX days later Wells Fargo denied my claim, stating that the card was used. They provided no merchant receipts, signatures, PIN entry logs, or other definitive proof that I authorized this transaction. 

Why I believe Wells Fargo violated the law Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ) : 1. Wells Fargo is required to conduct a reasonable investigation before denying my claim. Denying a claim after only two days without producing evidence is not a reasonable investigation.

2. The fact that the card number or chip was used does not mean I authorized the transaction. I did not give permission, did not provide my card or PIN to anyone, and did not benefit from this transaction.

3. If Wells Fargo could not complete its investigation within 10 business days, it was required to issue a provisional credit for the full disputed amount. This did not occur.

What I want Immediate reversal of the denial and reopening of my claim Issuance of provisional credit for {$3600.00} in compliance with Regulation XXXX Full written explanation of their denial, including copies of all evidence they relied on Explanation for why my debit card was not replaced after earlier fraud incidents Supporting details This repeated fraud and failure to secure my account has caused me financial hardship and loss of trust in Wells Fargos ability to protect its customers. I am requesting the CFPBs assistance to ensure Wells Fargo follows federal law and returns my funds.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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, Balance : {$3800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-08-13 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: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year>

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 2025-08-13 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: IL

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX XXXXXXXX XXXX XXXX XXXX open for over XXXX months, does not appear on my Experian credit report, even though it shows up correctly on XXXX  and XXXX. XXXX confirmed they are reporting it to Experian. 

When I called Experian, they said they can not do anything because it is up to XXXX to report. This explanation makes no sense when I opened the card, XXXX made a hard inquiry on my Experian file, which still appears. If Experian could receive and display the hard inquiry from XXXX, there should be no problem displaying the account. 

This omission could hurt my credit score, and I believe Experian is failing to maintain an accurate credit file despite having the correct 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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
On XX/XX/year>, I made a payment of {$1700.00} during the application period for a loan modification. I was led to believe that I had to make this payment, or my home would be foreclosed. I was later informed that I am protected and do not need to make payments during the modification application period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
The presence of this late payment on my report is misleading. Ive consistently paid on time and ask for it to be removed to reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I have filed FTC Identity Theft Report Number : XXXX because the accounts listed on my credit report do not belong to me. I have never entered into any agreement with these companies, nor have I signed any contracts or agreed to pay these debts. I discovered these accounts while preparing to buy a house, and they have negatively impacted my credit report. I have already begun contacting each collection agency and creditor to demand proof and proper validation of these debts, which I believe are fraudulent. Despite my efforts, I continue to receive calls and notices for debts that are not mine. I am pursuing this police report to formally document the identity theft and to support my efforts to have these accounts removed. If these companies fail to remove these false accounts, I am prepared to take further legal action to protect my rights. I have contacted the XXXX credit bureaus about these accounts, but they advised me to send dispute letters instead. 

Over the past year, I even hired XXXX XXXX XXXX and XXXX  XXXX XXXX to help, but nothing has been resolved. Every time the credit bureaus contact these collection agencies ; they just mark the accounts as verified even though I have never agreed to any of these debts. It feels like a never-ending loop. I am frustrated that the credit bureaus are not properly investigating. This is why I decided to file a police report and an FTC identity theft claim. I have now sent physical dispute letters directly to the collection agencies and all XXXX  credit bureaus. If they do not remove these false accounts within XXXX  days, I will take further action as advised by the FTC. My identity has been compromised, and I want these fraudulent debts off my record. I filled with XXXX Police Department but was advised to file with you. 

The negative collection company is reporting without verifying the debt. I never made agreements to pay them, I never made contract with them, I don't owe them anything, they have failed to provide any documentations that show original signature that I came to agreement to pay them such debt, and they are violating the law by reporting to my credit report without verification and re-inserting again when its was deleted from credit report. They failed to provide documentation to me and all they have done is reinsert into my credit report. 

This debt was ID Theft, Not mine, Its why I filed a report with the FTC and Police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I called Sallie Mae to request a program or to lower my monthly payments on my student loans because I can not afford it. I was advised by a Sallie Mae representative that I should not pay the loans and wait until XXXX and call back, that more options would open up for me once my account was delinquent. I then called back XX/XX/XXXX and was advised that it was noted in my account that a representative told me this but the information was inaccurate which has now furthered my account into delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: SC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened XXXX XXXXXXXX, Balance : {$100.00} XXXX XXXX XXXX XXXX  Account Number XXXX  XXXX, Date Opened : XXXX, Balance : {$430.00}

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 2025-08-13 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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