vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
Wells Fargo reversed a fraud claim and took funds from my account even though the XXXX XXXX transactions were unauthorized. Ive spoken to multiple reps, but no one is helping or explaining their decision.

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 2025-10-18 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: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Identity Theft and Fraudulent Accounts - Request for Investigation To Whom It May Concern : I am writing to formally dispute and report multiple fraudulent accounts that have been opened in my name without my authorization. I am a victim of identity theft. The following accounts have been fraudulently attached to my credit profile : 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 I did not open these accounts, nor did I authorize anyone to do so on my behalf. These accounts are fraudulent and violate federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. - I am disputing inaccurate and fraudulent information on my credit report. The credit reporting agencies are required to investigate and remove unverifiable accounts within 30 days. 
Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681 note - I have submitted an FTC Identity Theft Report, which must be considered in the correction of my credit report. I am requesting a fraud alert and removal of fraudulent accounts. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. - Any attempts to collect on these fraudulent debts by third-party debt collectors are prohibited unless they can verify the accounts.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 - These accounts constitute identity theft, a federal criminal offense. 
Enclosed are copies of supporting documentation : G o v e r n m e n t - issued ID Proof of current residence FTC Identity Theft Report I request that the CFPB : 1. Investigate these fraudulent accounts.

2. Require all listed creditors and credit reporting agencies to verify these accounts.

3. Ensure the immediate removal of all fraudulent accounts from my credit profile.

4. Provide written confirmation once the investigation and account removals are completed. 
Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-18 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: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and unlawful items being reported on my consumer credit file. These errors are causing significant harm to my creditworthiness, financial stability, and personal reputation. Despite my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), these accounts and addresses are being reported inaccurately.

1. Inaccurate Addresses The following addresses are not mine and should be permanently removed from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address 2. Wrongful Charge-Off Accounts The following accounts are being incorrectly reported as charge-offs. These accounts are either inaccurate, unverifiable, or reported in violation of FCRA 607 and 609 : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$0.00} Wrongfully Reported as Charge-Off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$0.00} Wrongfully Reported as Charge-Off XXXX XXXX Date Opened : XX/XX/XXXX Balance {$15000.00} Wrongfully Reported as Charge-Off XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance {$0.00} Wrongfully Reported as Charge-Off XXXX. Wrongful Late Payment Reporting XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance {$3400.00} Wrongfully Reported as Late Payment XXXX. Unauthorized/Unverified Hard Inquiries The following inquiries appear without my authorization or permissible purpose, violating FCRA 604 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested I am requesting the following actions from the CFPB and the credit reporting agencies : Immediate deletion of all inaccurate addresses listed above.

Removal of all wrongful charge-off and late payment accounts.

Permanent deletion of unauthorized and unverified hard inquiries.

Written confirmation that these corrections have been made to my credit file.

These reporting errors are a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I demand immediate investigation and corrective action within the statutory 30-day period. Failure to comply will leave me no option but to pursue further legal remedies.

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 2025-10-17 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 filing this complaint because I am a victim of identity theft. Several fraudulent accounts and unauthorized inquiries have been reported on my TransUnion credit file by individuals using my stolen information. 

I have submitted a police report with the XXXX Police Department ( XXXX XXXX. XXXX ) confirming this crime. I have also mailed TransUnion a formal written dispute with supporting documentation, requesting deletion of fraudulent charged-off accounts and removal of unauthorized inquiries. 

Despite my compliance with FCRA 605B and 611, these items have not yet been deleted, and the continued reporting of this false information has caused substantial harm to my credit reputation and financial opportunities.

I am asking the CFPB to compel TransUnion to : Block and delete all fraudulent accounts and inquiries. 

Provide written confirmation of the completed investigation. 

Ensure that no adverse data linked to the identity theft remains in my 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 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WY

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$800.00} from a U.S. Bank ATM using my card ending in XXXX. 
The ATM did not dispense any cash, even though the transaction appeared as pending in my account right afterward. 

I was at the ATM between XXXX PM and XXXX PM, but the bank later sent me a document showing the transaction at XXXX PM ( XXXX ) XXXX hours later than when I was actually there. 
This time discrepancy suggests an ATM system error. 

The next day, XX/XX/XXXX, the transaction changed from pending to posted, and {$800.00} was deducted from my account even though I never received the money. 

U.S. Bank denied my dispute, saying their ATM logs show the cash was dispensed, but the same report also states : Transaction timed out. No customer action. 
This indicates the machine failed to complete the transaction properly.

I request the CFPBs help to make U.S. Bank review this case again and verify : The ATM security footage around XXXX PM, The ATM cash count and mechanical logs, And any timestamp discrepancies in their records.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AS

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
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

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please lift any freeze or block applied to my credit file so that the reinvestigation can proceed as required under the Fair Credit Reporting Act ( FCRA ). Once completed, kindly provide written confirmation that the unfreeze has been processed.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports false Info saying Im deceased I wasnt born in XXXX I was born in XXXX identity theft things on my report is false

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year> @ XXXX EST I received an email from chase that stated At Chase, were always working to keep your money safe. Due to recent activity, or because we need more information from you, we have restricted your account ( s ) and may need to close it soon. This includes your account ( s ) ending in : XXXX We understand this is inconvenient, but protecting against fraud is a top priority. 

Please act quickly to better understand the restriction on your account you may be able to provide the information needed to keep it open. 
Heres what you should do Please call us at XXXX soon to see if we can address the issue. You can also call the number on the back of your debit card or on your account statement. We look forward to speaking with you. If weve already spoken and resolved this, you dont need to do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 formally challenging entries linked to accounts I never initiated. Please investigate thoroughly and delete them from my file. Enclosures are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid the mortgage on XX/XX/year>, but Chase Bank Payment system has problem, I did not submit successfully ( AutoPay ), so Chase give a " Late Payment '' report to XXXX Credit Bureau. The Chase Bank denied the error, refuse to delete the 'Delinquency '' record. Just in case, i don't want the situation happens again, we pay the all debt ( XXXX USD ) on XX/XX/XXXX. However, Chase Bank keep reporting the " Late Payment '' on XX/XX/year>, Chase Bank already reported this " late Payment '' on XX/XX/year>. I contact many times to Chase, and my mortgage account already closed on XXXX, Chase Bank this action, make my credit report score down, and have " Late Payment '' mark on my report. I just I want be fair, I pay off all debt, Chase Bank should delete bad mark or update it payment systems

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> World Acceptance Corporation Attn : Collections Department XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Re : Request for Debt Validation Account No. XXXX To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting validation and verification of this debt. Please provide the following information : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including an itemized statement showing how it was calculated. 3. A copy of any signed contract or agreement that legally binds me to this debt. 4. Proof that World Acceptance Corporation is authorized to collect this debt in my state. 5. The date of the last payment made on this account, if applicable. Until you provide the requested information, please cease all collection activity, including reporting this account to any credit bureau. Reporting unverifiable debt is a violation of federal law. 
Please note that this is not a refusal to pay, but a request for validation under my rights. I expect your response within 30 days from receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: UT

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems for {$1800.00}, originally from XXXX XXXX, appearing on my XXXX XXXX XXXX XXXX  credit reports. 
This account is reporting inaccurate, incomplete, and unverifiable information : 1 Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and reporting unverifiable collections violates this.

2 Under FCRA 1681i ( a ) ( 1 ) ( A ), the bureaus are required to conduct a reasonable investigation, which requires competent evidence, not data matching.

3 Under FCRA 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be promptly deleted.

4 Under FDCPA 1692g, Jefferson Capital Systems must provide full validation of the alleged debt, including a signed contract, itemized billing, and a bill of sale showing ownership none of which have been provided.

I am requesting the CFPB to investigate and require Jefferson Capital Systems and the credit bureaus to provide proper validation. If they can not produce full documentation within the required timeframe, I am requesting permanent deletion of this collection account from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: FL

Complaint narrative:
XXXX violated the terms of my bankruptcy and sold XXXX XXXX XXXX my private student loan, which was discharged in bankruptcy. Despite reporting the debt as discharged in bankruptcy with both XXXX and XXXX 

It was clearly a mistake, as XXXX did list a separate line item listed as discharged in bankruptcy on Equifax, but no balance listed. 

I disputed this with Equifax on XXXX. I submitted my bankruptcy paperwork along with screenshots that they had correctly reported this as a discharged debt on the other two credit bureaus. They inexplicably came back on XX/XX/year> and stated they validated that the report was correct. 

This mistake caused my credit score with Equifax to go down XXXX points and a third party vendor to harass me. I want this nightmare to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: KS

Complaint narrative:
I contacted XXXX last year. In XXXX of XXXX and paid my last payment and told them to disconnect the XXXX because I'm moving out the state. Their equipment was shipped back to them and I moved out the XXXX XX/XX/XXXX so I do not know where this bill is coming from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation