vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/XXXX, as I transitioned into XX/XX/XXXX, my wallet and phone were stolen. I made a police report. I tried contacting Chase, but Chase would not speak to me until XX/XX/XXXX or XX/XX/XXXX, when I got my new phone. After filing a police report and submitting a replacement claim, Chase decided to reclaim the funds of {$1400.00}. They have refused to accept the police report, stating that my passcode couldn't be what it is, and claimed that the supervisor said, That is why your claim was denied, haha. At this point, I can no longer deal with Chase. I have asked them to close my account, but they have taken no action to assist me. The police report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$470.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX XXXX  # Unknown XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$11000.00} Account Name : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX  XXXX  Account Number:XXXX Open Date XX/XX/XXXX balance : {$0.00} INQUIRIES : Inquiry name : XXXX OF XXXX Date : XX/XX/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 2025-09-30 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:
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 2025-09-30 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not cause this harm, and I should not continue to suffer because of the actions of identity thieves or reporting errors. My only goal is to have my true credit history restored, my identity respected, and these fraudulent accounts and inquiries permanently removed. I sincerely hope this matter can be resolved promptly and professionally, with no stalling, no unnecessary questioning, and no further burden placed on me as the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I received a notice from XXXX  yesterday XX/XX/XXXX that a collection account for {$680.00} from an original creditor XXXX XXXX is being reported on my credit. When I contacted them today XX/XX/XXXX they advised me they had an old address in XXXX  on file for me, telephone number and email address. I have not resided in XXXX  since XXXX. Jefferson Capital is not licensed to collect in the State of XXXX. I provided the company with my correct mailing address, email address and contact number. I have disputed this on my credit reports, filed a complaint with the Texas Attorney General and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am formally disputing the following tradelines that Experian is reporting on my consumer file. These accounts were reported without the furnishers providing me the required XXXX advance written notice of negative information, in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) : Southwest credit sys in the amount of {$1300.00} At no time did I receive proper notice from these furnishers at least 30 days prior to the negative reporting, as required by law. Because the information was furnished unlawfully, Experian is reporting inaccurate and noncompliant information on my file.

Under 15 U.S.C. 1681i, I demand that Equifax : Conduct a full reinvestigation of the accounts listed above.

Require the furnisher to provide documented proof that a compliant advance notice was sent to me before reporting this negative information.

If no such proof exists, immediately delete these tradelines from my credit file.

Provide me with written confirmation of the deletion and the results of your reinvestigation.

Failure to comply will constitute continued reporting of inaccurate and unlawfully furnished information, which violates the Fair Credit Reporting Act ( FCRA ) and subjects Equifax to potential liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a fraudulent collection account that has been wrongfully reported in my credit file. This account does not belong to me and was opened without my knowledge or consent. I am a victim of identity theft, and I have already filed an Identity Theft Report through the Federal Trade Commission at XXXX. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting the immediate blocking and removal of this fraudulent account from my credit reports with all credit reporting agencies. Under federal law, once a consumer provides proof of identity theft, consumer reporting agencies are required to block the information within four ( 4 ) business days of receipt. 

Details of the Disputed Account : XXXX XXXX : [ Jefferson Capital LL ] Account Number : N/A Reported Balance : [ XXXX ] Date Opened : [ XX/XX/year> ] This account was fraudulently opened and does not reflect any transaction or agreement I have made. I did not authorize this account, nor have I received any benefit from it. Therefore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), I demand that this account be : 1. Immediately blocked from my credit file with XXXX, XXXX, and XXXX. 
2. Permanently removed from all current and future credit reports.

3. Written confirmation provided to me that the account has been blocked and will not reappear. 

I am filing this complaint because a debt collector is attempting to collect a debt that I do not owe. The alleged debt is inaccurate and should not be reported under my name or Social Security number. 

I have never entered into an agreement for this account, and I dispute the validity of the debt. This appears to be a case of identity theft / account not belonging to me. Despite my dispute, the collector continues to pursue collection and/or report the account to credit bureaus, which is damaging my credit profile. 

I have requested verification of the debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), but the collector has failed to provide proper validation. I am requesting that this debt be investigated, that collection efforts stop, and that the account be removed from any credit reporting agencies where it has been reported. 

I am attaching supporting documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: IN

Complaint narrative:
Someone stole my phone early 2025 and created numerous gym memberships at XXXX XXXX XXXX XXXX I attempted to cancel this membership for months and emailed and even called the company, letting them know I was a victim of identity theft and that I would like to cancel the memberships ASAP. The contact email they provided was no in use, always bouncing my email back to me and I never received a response. Additionally, when I called over the phone they said they needed proof of the police report, which I provided the report number via telephone, yet still they kept charging me every month the gym membership fees as well as an annual fee. They eventually sent this account to a collection company, which calls me several times a week and has even messaged my number, attempting to collect my debt although I am not the one responsible for this debt. I emailed them as well and have not heard back yet. Could you please reach out to these companies and help me get this account disputed and avoid adding it to my credit report, as I am a victim of Of identity theft and it is not my debt. The account total is {$260.00}, company is First Credit Services Inc . I have never ever stepped foot in XXXX - XXXX XXXX gym in the entire time they had a membership for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I made two {$300.00} payments on my credit card that should have applied to my cash advance balance with the higher interest rate of 29 %, per my card agreement. After almost XXXX minutes on hold with Wells Fargo customer service, I was advised that the payments did not post on the billing cycle. However my statement shows my billing cycle is from XXXX. My payments were on XX/XX/year> and XXXX. These payments should have applied to the cash advance balance.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding continues to report and attempt collection on a XXXX XXXX Bank account ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that is not mine. I have disputed this twice in writing ( letters sent XX/XX/XXXX and XX/XX/XXXX ). In response, LVNV closed the fraudulent Bank XXXX XXXX  account, but for the XXXX XXXX Bank account, they provided nothing more than a generic billing statement showing an incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

This is not my address. My government-issued ID, issued on XX/XX/XXXX, clearly shows my correct address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The account LVNV claims is mine lists a different address in XXXX long after my ID was issued which proves the account does not belong to me and is fraudulent. 

Additionally, my personal data was compromised in multiple breaches, including : XXXX  Data Breach ( I received settlement checks ) XXXX XXXX XXXX Breach ( XX/XX/XXXX notification confirmed SSN + DOB were exposed ) XXXX XXXX XXXX - Data Breach This supports my position that the disputed accounts are the result of identity theft. 

Violations of Law : FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) : LVNV failed to provide proper validation of the alleged debt ( no signed contract, no transaction history, no proof tying me to the account ).

FCRA 611 & 623 ( b ) : Furnishing inaccurate information and continuing to report after a dispute.

FCRA 605B : I have the right to block fraudulent accounts resulting from identity theft. LVNV has ignored this.

FDCPA 807 & 1692e ( 8 ) : Reporting information known or suspected to be false ( wrong name/address ).

Harm Caused : This inaccurate account is damaging my credit, preventing me from obtaining fair housing and credit opportunities. The continued verification of debt without proper proof is reckless, negligent, and willful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows 4 credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXX XXXX BANK XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  DATE:XXXX  INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation