vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: AL

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 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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: FL

Complaint narrative:
I am rebutting World Acceptance Corporations response to my complaint.

World Acceptance claims that I obtained a loan from their XXXXXXXX XXXX office on XX/XX/year>. I want to state clearly : I did not apply for, authorize, or receive this loan. This account is fraudulent and the result of identity theft.

1. Payment Activity Does Not Prove Ownership World Acceptance points to payments made on the account as proof. However, fraudulent accounts can still have activity or payments made by someone other than the victim. The fact that a payment exists does not prove that I am the one who made it.

2. Matching Personal Information Is Not Proof They also rely on the fact that the last four digits of my SSN and my date of birth were used. This is precisely how identity theft occurs by criminals misusing accurate personal information. The use of my identifiers does not mean I applied for or agreed to this loan.

3. Alleged Communication With References World Acceptance states they had communication with my references. I never provided any references to them, so any such communications are fraudulent. This does not link me to the account.

4. Fraudulent XXXX  Filings & Forged Signatures World Acceptance also references a XXXX  filing. I did not authorize or file for any XXXX XXXX XXXX, and signatures tied to such filings are not mine. Fraudulent use of my name and personal information does not make me responsible for this debt. The signatures World Acceptance provided are not mine, and I can verify this through comparison with my legitimate signature.

5. Legal Obligations Under the FCRA Under the Fair Credit Reporting Act ( FCRA 605B, 15 U.S.C. 1681c-2 ), once an identity theft report and supporting documents are submitted, furnishers must block fraudulent accounts unless they can provide verifiable proof that the consumer personally created and used the account. World Acceptance has not provided such proof ( such as an authenticated original signature, IP address, device records, or geolocation data ).

6. Harm Caused This inaccurate reporting has caused me severe harm. I am a XXXX veteran, and the presence of fraudulent accounts and XXXX  on my credit report has damaged my credit, limited my ability to obtain stable housing, and even contributed to periods of homelessness. The continued reporting of this fraudulent information is not only unlawful but has created lasting personal and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
There are XXXX accounts on my credit report by LVN FUNDING. I reached out to the company more than XXXX  months ago asking for a debt validation. This company failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
This complaint concerns U.S. Banks failure to properly investigate and resolve an unauthorized withdrawal from my ReliaCard, a government-issued prepaid benefits card. 

On XX/XX/XXXX, I initiated an investigation into {$560.00} being withdrawn without my authorization from an ATM at XXXXXXXX XXXX XXXX XXXX XXXX XXXX I had my card in my possession at the time and have never visited that location. 

I reported the fraud to U.S. Bank and filed police reports with the XXXX Police Department and the XXXX Police Department. Despite this, U.S. Bank issued a denial letter, citing only that I did not return their internal dispute form on time. This response ignores both the evidence of fraud and my rights under Regulation E ( 12 CFR 1005 ), which requires a good-faith investigation of unauthorized transactions. 

My complaint is not about the initial unauthorized withdrawal itself, but about U.S. Banks failure to follow federal consumer protection law and properly investigate after being notified. The banks refusal to reconsider, even after receiving my police reports and supporting documents, leaves me without access to stolen unemployment funds and undermines the protections that prepaid benefit cardholders are entitled to. 

I am requesting that U.S. Bank : Reopen my dispute, Conduct a compliant investigation considering all available evidence, Reimburse me the {$560.00} taken, and Provide a written explanation of their 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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I dispute the Santander account XXXX. 
Santander is furnishing conflicting balances and delinquency dates across bureaus, violating FCRA 607 ( b ). Without signed contracts and payment records, this account must be deleted per 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : TransUnion Failure to Conduct Reasonable Investigation of Charge-Off Accounts ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Details : I am disputing two separate charge-off accounts that TransUnion continues to report inaccurately : XXXX. * XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Acct ending XXXX ) TransUnion continues to report this account as a charge-off under Accounts with Adverse Information. 

TransUnion has not provided a proper Method of Verification or demonstrated that a reasonable investigation was conducted as required under the FCRA. 



XXXX. * XXXX XXXX XXXX XXXX XXXX Acct ending XXXX ) TransUnions investigation results dated XX/XX/year> claim the account was verified as accurate. 

However, TransUnion only updated certain fields ( balance, trended data ) and continues to report the account as a charge-off with remarks consumer disagrees. 

I previously issued a Cease & Desist notice to XXXX XXXX under 15 U.S.C. 1692c ( c ). Despite this, XXXX XXXX has continued to furnish updates to TransUnion. This is ongoing collection activity in violation of federal law. 




Violations : FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 2 ) Failure to forward all relevant information to the furnishers.

FCRA 611 ( a ) ( 7 ) Failure to provide the Method of Verification upon request.

FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) Furnishers failed to conduct a reasonable investigation after being notified by TransUnion.

15 U.S.C. 1692c ( c ) XXXX XXXX violated the Cease & Desist order by continuing to furnish information to 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
My identity was compromised by XXXX. I had someone else 's name and SSN listed on my credit report. Jefferson Capital Systems LLC has sued me and tried to garnish wages since 2020 for a medical debt that is not mine. I have contacted them by phone and through email with proof and they are still trying to come after me. They had two cases open and the judge finally threw one out. Now they are trying to come after me for another of her medical debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing the account that National Credit Systems ( NCS ) is reporting on my credit. This last complaint was marked my last complaint as a duplicate, but this is not a duplicate, this is a new complaint with new information. 

The balance they are reporting is inflated and unfair. On the lease statement they sent, they charged me for accelerated rent and a relet fee at the same time, which is double charging. They also added random padded charges like multiple carpet and trash fees, which make the balance look bigger than it should be. 

On top of that, NCS still has not shown me any proof that I ever gave permission for my personal information to be sent to them in the first place. I never signed or agreed for my private info to be handed over to a collection agency. Thats not fair or right. 

I am tired of them avoiding the real issues by calling this a duplicate. Every time I ask for real proof, they keep dodging it. 

All i want is a response, i do not want move move with over with the XXXX, but i will if i get no response or another duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TN

Complaint narrative:
Section 1 : Company Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Division Address : XXXX XXXX XXXX, XXXX, TN XXXX Phone : ( XXXX ) XXXX Section XXXX : Product Credit reporting, credit repair services, or other personal consumer reports Section XXXX : Issue Incorrect information on your report Section XXXX : What happened ( your statement ) Paste this text : XXXX XXXX XXXX XXXX XXXXXXXX division is inaccurately reporting a child support account to consumer reporting agencies. 

Issues with this reporting : The balance and arrears amount being reported are not accurate and have not been lawfully verified. 

There are conflicting reports across bureaus, and no clear accounting has been provided despite requests. 

The FCRA ( 15 U.S.C. 1681s-2 ) requires that any information furnished to credit reporting agencies be accurate, complete, and verifiable. Reporting unverifiable child support arrears without full documentation is misleading and damaging. 

Child support enforcement is not required by law to furnish this information to the credit bureaus. If it is reported, it must meet the same accuracy and verification standards as any other account. 

Requested Resolution : I am requesting that XXXX  XXXX XXXX either remove this reporting from all consumer reporting agencies or provide complete verification, including a lawful accounting and authority for the amount reported.

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 2025-09-17 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: NV

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove this unverifiable item.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: IL

Complaint narrative:
CFPB Complaint Against CoreLogic Credco Consumer Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX, IL XXXX Date of Credit Denial : XX/XX/year> Creditor : XXXX XXXX XXXX, XXXX. 
Consumer Reporting Agency : CoreLogic Credco , LLC Complaint Summary I applied for a mortgage loan with XXXX XXXX XXXX, XXXX. in the amount of {$340000.00} on XX/XX/year>. On XX/XX/year>, I received a denial of credit. The adverse action notice lists CoreLogic Credco , LLC as the consumer reporting agency that furnished information relied upon to deny my application. 

I previously filed a CFPB complaint in XX/XX/year> against CoreLogic Credco, in which they responded that they had no information or consumer file about me in their database. However, this adverse action notice proves that CoreLogic Credco did, in fact, furnish a consumer report or similar data about me, resulting in the denial of credit. 
Legal Violations - 15 U.S.C. 1681g ( a ) Right to disclosure - 15 U.S.C. 1681b Permissible purpose - 15 U.S.C. 1681e ( b ) Maximum possible accuracy - 15 U.S.C. 1681m Failure to comply with adverse action procedures Harm I was denied a mortgage loan and housing opportunity due to a negative report from CoreLogic Credco, despite their previous claim that they have no consumer file on me. This denial has caused financial damage, emotional distress, and unlawful interference with my ability to access housing and credit. 
Requested Relief 1. Require CoreLogic Credco to produce the full consumer file used to furnish information about me to XXXX XXXX. 
2. Freeze all data associated with me in

CoreLogic Credcos systems to prevent further unlawful use. 3. Investigate CoreLogic Credcos contradictory statements ( claiming to have no file while furnishing adverse information ).

4. Impose civil penalties and order restitution for damages caused by their violations.

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 2025-09-18 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud, within 4 business days of your receipt of this complaint. 

The fraudulent, inaccurate, and false information consists of personal credit card accounts opened without my knowledge or authorization, including but not limited to : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance : {$2100.00} Date : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Balance : {$1200.00} Account Opened : XX/XX/XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized accounts have also resulted in several fraudulent hard inquiries and fraudulent collections now appearing on my consumer FICO credit report. 

I have attached : A list of the hard inquiries in question A copy of my consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items A copy of FTC Identity Theft Criminal Complaint # XXXX, filed with the U.S. Federal Trade Commission, as formal proof that these accounts, collections, and inquiries are the result of identity theft and fraud I do not recognize any of the above accounts, collections, or hard inquiries. These were not opened, made, or initiated by me. They are the result of criminal identity theft, and I request that you promptly block this information from my credit report, as required under FCRA 605B.

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX I initiated a transfer from my bank. The money was immediately removed from my bank and the digital wallet showed funds would be available by XX/XX/XXXX. That day came and went and I spoke to customer service twice. They just kept telling me to wait and refused to allow access to the funds even when presented with the documented date of availability. I asked to be transferred to a supervisor and the agent declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: AL

Complaint narrative:
I was scammed by an online company called XXXX XXXX I ordered a XXXX  XXXX gift from them and it never arrived. Now, their website no longer exists, they do not respond to emails, and they never delivered the product I paid for. Wells Fargo initially credited my account but reversed the credit after the merchant provided a generic tracking number. That tracking number does not prove delivery to my address. It only shows something was delivered in my ZIP code, which is a known scam tactic. I am now overdrafted because Wells Fargo sided with a fraudulent merchant. I am requesting that Wells Fargo reopen and reinvestigate my case and restore the funds. 

Here is a timeline of events : XXXX - Order placed for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX in the amount of XXXX. 

XX/XX/XXXX- XXXX has not arrived so I attempt to reach out to company but website no longer exists. Error reads : Something went wrong. 
What happened? The link you followed is no longer available XX/XX/XXXX - XXXX realize I have been scammed so I file a claim for reimbursement with Wells Fargo. They immediately offer a provisional credit. 

XX/XX/XXXX - Wells Fargo notifies me that the claim was denied because company was able to provide evidence that item was delivered. Wells Fargo is unable to provide me with evidence that the package was delivered to any location more specific than the US. Wells Fargo unable to provide me with evidence that package weight matched that of the item. Wells Fargo tells me that their Claims Department and Fraud department are not separate and they can not escalate the issue any further. 

XX/XX/XXXX - Bank account close to being over drafted due to this unexpected provisional credit reversal. 

XX/XX/XXXX - XXXX XXXX shows MANY people were scammed by this exact Fathers Day advertising from this scammer company. 

XX/XX/XXXX - XXXX XXXX XXXX XXXX shows this is a scam.

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 2025-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
am a victim of identity theft. Please see the attached police report, 1.FTC Identity Theft Report, 2. Police 3.Driver 's license 4.SSN card 5.Handwritten letter instructions.

All accounts listed in the attachments are fraudulent and were opened without my knowledge, consent, or authorization. Pursuant to 15 U.S. Code 1681c-2 ( Block of information resulting from identity theft ), you are required to block and remove these accounts from my credit file within four ( 4 ) business days of receiving this 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 explanation
Consumer complaint received 2025-09-17 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: MI

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation