vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am formally disputing several accounts and charge-offs reported on my credit file that are a direct result of identity theft and misconduct by an educational institution. This letter is written pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as relevant provisions under the Higher Education Act and U.S. Department of Education regulations regarding student loans. XXXX XXXX and XXXX, multiple credit card accounts were opened in my name without my consent or knowledge. These unauthorized accounts are a result of identity theft. I never applied for, authorized, or used these credit lines. I am asserting my rights under, FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires credit bureaus to block and remove information resulting from identity theft, FCRA 604 ( a ) ( 2 ), prohibiting credit pulls without my express written consent, FCRA 611 ( 15 U.S.C. 1681i ), which mandates a reasonable investigation upon dispute. Additionally, I am disputing a student loan that was fraudulently taken out in my name by a for-profit institution I had applied to. I was never provided any educational services, nor did I attend, participate, or consent to loan disbursement. This school has since declared bankruptcy and was found to have laundered federal student loan funds. 
Under the Higher Education Act, and specifically per guidance from the U.S. Department of Education, a borrower has the right to borrower defense to repayment when a school misrepresents the educational services or engages in misconduct. Under FCRA 611, I am disputing the accuracy and completeness of the following charge-offs, closed accounts, collections and student loans that are now reflecting inaccurately due to identity theft and fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: IN

Complaint narrative:
Dear CFPB, I previously submitted a complaint regarding Giggle Finance, a company that provided me with a deceptive business loan and continued charging me after I revoked ACH and card authorization.

Since that complaint, three additional charges have been taken from my account. I also filed with my states Department of Financial Institutions, who confirmed they have no jurisdiction, citing Giggles use of the business lending loophole. 

I was told by phone that only legal services could help but I am asking CFPB to please reopen or escalate this complaint based on new charges and clear evidence of bad-faith lending. 

This is a vulnerable consumer issue disguised as a business transaction. 

Please advise me how to proceed, or allow me to refile under these new developments. 

Sincerely, XXXX XXXX XXXX XXXX Original Complaint ID : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-07-07 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: NJ

Complaint narrative:
When I checked my credit report I saw some inquiries that did not belong to me.

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

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute concerning the inaccurate and unverifiable accounts listed below, which continue to appear on my credit report despite prior notice :

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 2025-07-07 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: Westlake Services, LLC
State: NC

Complaint narrative:
I have hard inquiries on my credit report that I did not authorize on 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 2025-07-07 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have hard inquiries on my credit report that I did not authorize on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am writing to formally report an ongoing and unresolved issue involving fraudulent transactions that occurred on my account with JPMorgan Chase Bank. 

On XX/XX/year>, a total of ten unauthorized payments were made from my account to XXXX Goldman Sachs Bank. Upon discovering the transactions, I immediately contacted Chase Bank to report the fraud. Of the ten fraudulent payments, five were successfully reversed. However, the remaining five unauthorized transactions, totaling {$31000.00}, were processed and remain unreimbursed. 

Over the past three months, I have been in consistent communication with Chase Bank regarding this matter. I was repeatedly advised to wait while they conducted an internal investigation. Despite this, I have now been informed that Chase is refusing to refund the remaining fraudulent payments. This decision was made without any clear explanation or resolution being provided to me, and despite the transactions clearly being unauthorized. 

As a long-standing customer who has acted in good faith and followed all due protocols, I am deeply concerned and disappointed by the banks failure to protect my account and reimburse the stolen funds. 

I am seeking clarification on the following : Why Chase is denying reimbursement for the fraudulent payments despite acknowledging the fraud in part. 

What formal appeals or dispute processes remain available to me within the bank. 

What additional steps I may take to escalate this matter.

I would greatly appreciate your immediate attention to this matter and a formal written response outlining your final determination and rationale, including any options available for appeal. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Dear Jefferson Capital Systems : I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 U.S Code 1692 ( e ) and 15 U.S Code 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S Code 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account.

Furthermore, per-15 U.S. Code 602 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the XXXX XXXX XXXX XXXX XXXX XXXX  1692 ( d ) : Harassment or abuse in connection with debt collection. XXXX  1692e : Use of false, deceptive, or misleading representations. XXXX 1692g ( b ) : Failure to properly disclose my rights. XXXX 1692f : Use of unfair or unconscionable means to collect a debt. I request the immediate deletion of this disputed account from all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect my rights and interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Product : Credit reporting Incorrect information Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Narrative : XXXX XXXX  failed to issue periodic statements via email or mail for this account XXXX XXXX XXXX. I paid {$220.00} on XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX delinquencies, causing my Experian FICO to drop from XXXX ( Exhibits XXXX ) and leading to XXXX autoloan denials ( Exhibits DE ). On XXXX XX/XX/year>, XXXX  issued a {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX acknowledging the error, yet refuses to delete the tradeline. 

Violations : TILA 15 U.S.C. 1666/ Reg Z 1026.13 ; FCRA 623.

Requested relief : 1. Order deletion of the tradeline. 2. Refund remaining {$19.00} in late fees. 3. Ensure billing-system fixes to prevent recurrence.

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 2025-07-07 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: 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 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 : XXXXXXXX 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 : {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
CFPB Complaint XXXXXXXX XXXX XXXX XXXXXXXX : Continued Negative Reporting After Dispute Resolution Company involved : XXXXXXXX XXXX XXXX XXXX XXXX Equifax / XXXX XXXX XXXX Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue Description : I am filing this complaint regarding a credit card account with XXXX XXXXXXXX XXXX XXXXXXXX that has been previously disputed and marked as resolved. Despite this, all three major credit bureaus continue to report the account as negative, and in some cases, inaccurately. 

Inconsistencies and Legal Concerns : The account shows {$0.00} balance, was last active in XX/XX/year>, and has had no recent delinquency or usage. 

All bureaus list the account as " XXXX '' despite no activity or payments since 2021. 

Late payments are reported inconsistently : Equifax : XXXX, XXXX, XXXX days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : only XXXX  XXXX late All three agencies include a comment indicating : Account previously in dispute now resolved, yet the negative payment history has not been corrected, and no proper reinvestigation results were provided. 

This reporting is outdated, damaging, and lacks consistency and accuracy, violating my rights under federal law.

Violations of Law : FCRA 15 U.S.C. 1681e ( b ) : Requires CRAs to ensure maximum possible accuracy.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Requires deletion or correction of disputed information if unverifiable or inaccurate.

FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers
must correct inaccurate data when notified of a dispute.

FCRA 1681n & 1681o : Allow for civil penalties in cases of negligent or willful noncompliance.

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

Complaint narrative:
This is my third formal escalation under the Fair Credit Reporting Act ( FCRA ) regarding XXXX  repeated violations and manipulation of data related to my closed auto loan from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Facts : The loan was paid in full The account was closed in XXXX Balance : {$0.00} Past Due : {$0.00} There has never been a single late payment No activity has occurred after closure What XXXX  did : Originally, the account was reported as : Payment Status : Repossession Voluntary Surrender While this was already misleading, since the loan was paid in full with no delinquencies, I submitted a formal dispute requesting removal of this misleading comment. 

XXXX  removed the " XXXX XXXX  '' note which was appropriate. 
However, instead of restoring accurate reporting, they fabricated a new derogatory status : XXXX XXXX : Late XXXX  Days ( as of XX/XX/XXXX ) This is a completely false and baseless entry. As of XX/XX/XXXX : The account had been closed for years There was no outstanding balance No payments were missed No new activity occurred How other credit bureaus report this account : XXXX  : Status Current, no derogatory remarks Equifax : Closed or paid account / XXXX balance Auto Only XXXX  inserted a false XXXX delinquency and removed all context, deliberately misrepresenting my payment history and damaging my credit profile.

Violations of Federal Law : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) : Failure to reinvestigate and correct inaccurate data FCRA 602 ( a ) ( 1 ) : Interfering with fair and equitable access to credit FCRA 623 ( b ) : Re-reporting false data after being notified through dispute Harm Caused : I am currently preparing to purchase a home. 
The false Late XXXX  Days status added by XXXX is causing me direct financial harm, including : Higher interest rates on mortgage financing Loss of access to competitive credit offers Risk of outright denial from lenders due to fake derogatory reporting These are real consequences. XXXX XXXX actions are unlawful, harmful, and violate the core intent of the FCRA : to ensure truthful, accurate, and fair credit reporting. 

What I am demanding : Immediate removal of the false Late XXXX  Days status Restoration of accurate information : Paid in full / Closed / {$0.00} balance / No derogatory history If XXXX  can not lawfully support or correct the reporting, then I demand permanent deletion of the entire account from my XXXX  credit file Written confirmation of all corrections and deletions Referral to the FTC and appropriate regulators for enforcement action and sanctions against XXXX  for repeated willful noncompliance

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

Complaint narrative:
b'My name is XXXX XXXX XXXX XXXX XXXX XXXX approximately around XXXX, I received a text from Wells Fargo stating "Wells Fargo: Do you recognize the declined transaction of XXXX XXXX on card XXXX? Reply Yes or No. STOP to stop msgs.\nThe sender is not in your contact list."\' \nThis text prompted me to call the bank and figure out the unauthorized charge which I did not make. Further looking into my account, I noticed XXXX  charges that were not made by me, and I did not authorize those charges. \XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNone of these charges were authorized by me. My claim was denied by bank stating that the card was physically present during these transactions which is not true as I was working in XXXX. After they denied by claim on XXXX XXXX I reopened by claim on XXXX XXXX and provided them fax copies of my proof of work on the above mentioned dates in XXXX, on official letterhead by my company healing partners.  I am worried they are not doing a through investigation. The bank never contacted me to request proof of my whereabouts before denying my claim. Wells Fargo has refused to escalate the issue to their fraud manager. I have reached out on multiple occasions to fraud department to see if they need any more information from me which would aid in their investigation. I feel helpless that I am being hold accountable for fraud charges and the lack of care from wells fargo during this investigation. I am yet to speak to the investigation officer, and they have not provided me with credit back during their investigation. The first time I made the claim took them 10 days to come to a decision, and after appealing the case again, Wells Fargo said it will take them 15 to 20 days to do the whole investigation. I am sad that my money is stuck for this long, this is my business credit card with $10,000 limit and they have maxed it out with the fraud charges. I really need help, and I really appreciate your support. I\'m willing to provide any other documents or proof that may help my case. I have taken multiple photos on those days, which has the time stamps with location. I have also used my car and have to history with the photo. I really need this result as soon as possible. Thank you! 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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in se

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$250.00}

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 non-monetary relief