vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: CO

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

1681c-2 ) that you, the XXXX  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 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CO XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$8400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CO XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
This is the second time I am filing a complaint against Experian regarding a charge-off account from XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX ). I formally disputed this on XX/XX/XXXX, pointing out several serious reporting errors, but Experian has done nothing to correct the violations. 

Key issues that remain : The MOP history shows a charge-off ( CO ) starting in XX/XX/XXXX, which is the same month as the DOFD without any XXXX progression. 

The XB cXXXXe indicating that the account is under dispute is completely missing. 

The Account Closing Date is not listed, even though the account is marked closed/charged-off. 

The Payment Rating field is not present. 

Experian is reporting different information than XXXX XXXX XXXX, which violates the legal principle of consistency. 

All of this violates the Fair Credit Reporting Act, including : XXXX U.S.C. XXXXe ( b ) failure to ensure maximum possible accuracy XXXX U.S.C. XXXXi ( a ) ( 5 ) ( A ) failure to correct or delete disputed data XXXX U.S.C. XXXXs-2 ( b ) furnisher failed to investigate and update XXXX U.S.C. XXXXi ( c ) failure to report the XB dispute indicator XXXX U.S.C. XXXXs-2 ( a ) ( 1 ) ( A ) failure to maintain consistent and accurate data across bureaus The legal precedents are clear XXXX XXXX Experian and XXXX XXXX  XXXX Experian both show how Experian has been held accountable for ignoring valid disputes and failing to perform proper investigations. 

But beyond all the legal violations, I want to express what this has done to me, as a human being. 

Each day that this account remains on my credit report is a day I wake up with anxiety. Ive suffered sleepless nights, emotional breakdowns, and a growing sense of helplessness. Ive tried to move forward with my life build stability, regain financial footing but Experians inaction has made this impossible. This unresolved, inaccurate report has shaken my mental and emotional health, making it hard to function at work, plan for my future, or even breathe with peace of mind. 

This situation has triggered severe emotional distress, XXXX XXXX XXXX XXXX XXXX. The burden of being ignored when I've followed the law and provided evidence is more than just frustrating, its dehumanizing. I feel trapped, unheard, and hurt by a system that should protect me.

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 2025-06-16 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Thank you for your response as of this day the information that you put on XXXX XXXX XXXX remains to be inaccurate. Which means a full investigation was NOT done. Ive uploaded my XXXX XXXX  with all the inaccuracies and I am demanding that you remove these XXXX items from my XXXX XXXX immediately These accounts does not belong to me and I do not owe you these debts and I have not signed any agreement with Midland Credit. Also by law, if these accounts belonged to me, it has passed the statute of limitations to collect a debt in the state of Pennsylvania. Please remove both XXXX from my accounts immediately or I will take further action against Midland credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-16 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
I am writing in response to your letter dated [ insert date of their letter, if known ] regarding the verification of accounts on my credit report, specifically the XXXX auto loan account ( Account Number : XXXX ). Your letter stated that this account was verified with no changes. Despite my efforts to resolve this matter, including contacting the furnisher ( XXXX ) as you suggested, I have received no response or valid proof to substantiate the accounts legitimacy. I now demand the immediate blocking and deletion of this account from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( Section 605B ), as I have attached an FTC Identity Theft Report to support this request. 

As previously reported in my Experian credit report dated XX/XX/2025, this account is listed as charged off, causing significant harm to my credit score. I do not recognize this account as legitimate and believe it may have resulted from unauthorized use of my personal information following a data breach or identity theft. XXXX failure to respond to my inquiries or provide verifiable evidence of the accounts validity, as required by the Federal Trade Commission ( FTC ), further confirms that this account can not be accurately reported. The FTC states that unverifiable accounts must not appear on consumer credit reports, and under Section 605B of the FCRA ( 15 USC 1681c-2 ), you are required to block information resulting from identity theft within four business days of receiving an FTC Identity Theft Report, which I have attached to this letter.

This letter serves as a formal demand for action under the following FCRA provisions : 15 USC 1681c-2 ( Section 605B ) : Requires the immediate blocking of information resulting from identity theft upon receipt of an FTC Identity Theft Report. I have provided this report, and you must block the XXXX account ( Account Number : XXXX ) within four business days.

15 USC 1681i : Entitles me to a thorough investigation and deletion of inaccurate or unverifiable information. You must investigate and remove this account if XXXX can not provide valid proof of its accuracy.

15 USC 1681e ( b ) : Mandates reasonable procedures to ensure the accuracy of reported information. You are obligated to review and correct any inaccuracies linked to this account.

15 USC 1681g ( a ) : Grants me access to my full consumer report to identify inaccuracies stemming from potential breaches. Provide an updated copy of my credit report immediately.

15 USC 1681m : Ensures no negative information from a breach or fraudulent activity is reported inappropriately.

15 USC 1681n : I reserve the right to pursue damages for willful noncompliance with FCRA requirements if you fail to comply with this request.

Please address this matter with the urgency it demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I attempted for several weeks to get a live agent in chat to ask why my account was closed. When I finally got XXXX on chat they answered my questions, but it was a non-response. There was no explanation as to why the account was closed. Also, I received no notification of the account closure, no communication of any kind. I found out by accident checking the website. 

I further made a request to take the interest rate to zero from 33.99 %, for which there was also no notification. I asked for a 0 % interest rate as there was 1 ) no notice to me of the closure, 2 ) because I no longer receive benefit to my credit report for the unused credit, 3 ) I am disadvantaged by continuing to pay on a debt that the lender has no intention of seeing paid off [ emphasis added ], and 4 ) it is usery to change the terms of the line of credit and provide no continuing benefit to the user who has paid diligently.

I will not continue to pay 33.99 % interest rate which has been raised over time and then the line of credit terminated.

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 2025-06-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern : I, XXXX XXXX, declare under penalty of perjury that the following statements are true and correct to the best of my knowledge : I am the natural person associated with the credit report being maintained under my Social Security Number and name.

I have reviewed my credit report and identified two separate collection accounts reported by XXXX XXXX XXXX. These accounts are assigned different account numbers but list the same amount, same original creditor, and identical debt details. 


The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXXe : {$610.00} This is a clear case of duplicate reporting, and it constitutes an inaccurate, deceptive, and misleading representation of my credit profile, in violation of federal consumer protection laws, including : 15 U.S.C. 1681s-2 ( a ) The Fair Credit Reporting Act ( FCRA ), which prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S.C. 1692e ( 2 ) ( A ) The Fair Debt Collection Practices Act ( FDCPA ), which prohibits false representation of the character, amount, or legal status of any debt.

15 U.S.C. 1692d Which prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

I have not received proper validatio
n of either debt, and the existence of two accounts with the same information under different account numbers confirms that the debt is unverifiable, and must therefore be fully removed from all reporting agencies.

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 2025-06-16 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX AL XXXX XXXX XXXX, AL XXXX XXXX XX/XX/2026 To Whom It May Concern : I, XXXX XXXX, declare under penalty of perjury that the following statements are true and correct to the best of my knowledge : I am the natural person associated with the credit report being maintained under my Social Security Number and name.

I have reviewed my credit report and identified two separate collection accounts reported by National Credit Adjusters. These accounts are assigned different account numbers but list the same amount, same original creditor, and identical debt details. 


The accounts in question are as follows : Account # 1 : XXXX Account # 2 : XXXX Original Creditor : XXXX XXXX Balance : {$610.00} This is a clear case of duplicate reporting, and it constitutes an inaccurate, deceptive, and misleading representation of my credit profile, in violation of federal consumer protection laws, including : 15 U.S.C. 1681s-2 ( a ) The Fair Credit Reporting Act ( FCRA ), which prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S.C. 1692e ( 2 ) ( A ) The Fair Debt Collection Practices Act ( FDCPA ), which prohibits false representation of the character, amount, or legal status of any debt.

15 U.S.C. 1692d Which prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

I have not received proper validation of either debt, and the existence of two accounts with the same information under different account numbers confirms that the debt is unverifiable, and must therefore be fully removed from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
I was contact on XX/XX/year> at XXXX by XXXX ( XXXX ) XXXX with the caller ID of Wells Fargo XXXX there was fraud on my account in XXXX XXXX There was " transactions made at XXXX XXXX for XXXX dollars and XXXX for XXXX dollars ''. I was told that I would have to file a claim when I said the I did not make the transactions. I was then transferred to the " claims department '' and they told me a XXXX  supervisor would have to help so they connected me to the Wells Fargo XXXX on XXXX XXXX in XXXX with the number XXXX ( XXXX ) XXXX at XXXX pm on XX/XX/year>. There I spoke with XXXX and he told me that the scammers used XXXX XXXX  and in order to get it back I would have to get into my online banking and XXXX XXXX. I would have to verify a transaction to then file a complaint with XXXX. I made a transaction with XXXX XXXX and the scammers moved money around in my XXXX  banking account. They had me authorize an XXXX  payment of XXXX dollars. I was then told I have to also verify my XXXX  account and they hacked my entire XXXX  account. I was told that Wells Fargo would call me at XXXX pm on XX/XX/year> to get me back in my accounts. My XXXX  account was found to be all over XXXX and had multiple log ins from my account across XXXX. I have all the emails. I lost access to my XXXX  account and went to the bank to file a claim. I had repeated Wells Fargo impersonators call me after this and went into the bank on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I was told I was denied a claim since I authorized the payment but was scammed by Wells Fargo impersonators XXXX XXXXimes. I also had multiple accounts where I was transferred to a scammer.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am filing this complaint because I received a summons from Jefferson Capital Systems LLC related to a collection account that does not belong to me. After further investigation, I discovered unauthorized access to my financial and personal information, which I believe resulted from identity theft. 

Unknown individuals gained access to my personal data and either attempted or succeeded in committing fraudulent activity. This includes : - Unauthorized bank transactions- Attempts to open new credit accounts in my name - Suspicious credit inquiries - Misuse of my personally identifiable information ( PII ) I did not open or authorize any accounts with Jefferson Capital Systems LLC or the original creditor related to this matter. I have notified my banks and financial institutions and am actively working to secure my accounts. I have also filed a report with the Federal Trade Commission ( FTC ) and am in the process of filing a police report.

I am extremely concerned that this collection activity is the result of identity theft, and now I am being wrongfully pursued for a debt I did not incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-06-16 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief