vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: IL

Complaint narrative:
This account was charged off on the following date ( XXXX XXXX acct : XXXX, XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. 

This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

I am demanding a deletion of the following account : XXXXXXXX XXXX acct # 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 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681c-2, any consumer reporting agency is required to block information in a consumers file that results from identity theft or unauthorized use, upon proper request and documentation. I am asserting that the repossession in question is the result of inaccurate or fraudulent information and was conducted without lawful authorization. Therefore, I request immediate investigation, correction, and removal of any related negative reporting, as well as appropriate remediation of the wrongful repossession action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed all my Credit Card accounts without my authorization. They had no explanation why and no notification given to me that they will close in advance or letter stating if I do not use my cards it'll be closed. I found out through my credit monitoring it has closed. Its very bad customer service to say the least and also impactful to my credit rating when accounts closed for no apparent reasons.

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 2025-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Recently, while preparing to apply for a mortgage loan to purchase my first home, I reviewed my credit report and noticed a charged-off account from Account # XXXX that appears with discrepancies across the three credit bureaus. 

This account is negatively impacting my creditworthiness, and I believe it may contain inaccurate or outdated information that should be investigated and possibly removed. 

Experian : Listed as Charge-off with last activity dated XX/XX/XXXX, despite no payments since XXXX. 
Equifax : Marked as Charged Off Account with conflicting reporting dates ( last payment on XX/XX/XXXX, but last reported on XX/XX/XXXX ). 
TransUnion : Shows Charged off as bad debt with Profit and loss writeoff, yet it continues to reflect as recently reported ( XX/XX/XXXX ), despite inactivity for several years. 

The account has been closed since XXXX, and there has been no further activity. However, it is still being reported in a way that makes it appear newly delinquent. This inaccurate and inconsistent reporting is damaging my credit profile and preventing me from moving forward with essential financial goals. 

I respectfully request a full reinvestigation and deletion of this account from my credit file if the furnisher can not verify its accuracy.

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 2025-06-29 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: PR

Complaint narrative:
Recently, while preparing to apply for a mortgage loan to purchase my first home, I reviewed my credit report and noticed a charged-off account from Account # XXXX that appears with discrepancies across the three credit bureaus. 

This account is negatively impacting my creditworthiness, and I believe it may contain inaccurate or outdated information that should be investigated and possibly removed. 

Experian : Listed as Charge-off with last activity dated XX/XX/XXXX, despite no payments since XXXX. 
Equifax : Marked as Charged Off Account with conflicting reporting dates ( last payment on XX/XX/XXXX, but last reported on XX/XX/XXXX ). 
TransUnion : Shows Charged off as bad debt with Profit and loss writeoff, yet it continues to reflect as recently reported ( XX/XX/XXXX ), despite inactivity for several years. 

The account has been closed since XXXX, and there has been no further activity. However, it is still being reported in a way that makes it appear newly delinquent. This inaccurate and inconsistent reporting is damaging my credit profile and preventing me from moving forward with essential financial goals. 

I respectfully request a full reinvestigation and deletion of this account from my credit file if the furnisher can not verify its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am submitting this complaint against Midland Credit Management for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2025, I sent a lawful written request to the company requesting validation of a debt allegedly owed. This was sent pursuant to FDCPA 809 ( 15 U.S.C. 1692g ) and included my name, address, and identifying information. I requested original documentation, including : A copy of the signed original contract with the creditor Full chain of assignment or purchase agreement Itemized account history and calculation of the amount claimed In response, I received a computer-generated summary and credit card statement, which does not satisfy the legal requirements for validation. No signed agreement, no admissible evidence, and no proof of assignment were included. Despite this failure to validate the debt, the company continued to report this account to TransUnion, which constitutes : A violation of FDCPA 807 ( 8 ) : Reporting or threatening to report credit information which is known to be disputed A violation of FCRA 623 ( b ) : Failing to conduct a reasonable reinvestigation upon receiving notice of dispute Furthermore, their continued collection efforts and credit reporting after being informed of the dispute and request for validation are misleading and deceptive under FDCPA 807 in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC XXXX Resurgent Capital Services for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent a lawful written request to the company requesting validation of a debt allegedly owed. This was sent pursuant to FDCPA 809 ( 15 U.S.C. 1692g ) and included my name, address, and identifying information. I requested original documentation, including : A copy of the signed original contract with the creditor Full chain of assignment or purchase agreement Itemized account history and calculation of the amount claimed In response, I received a computer-generated summary and credit card statement, which does not satisfy the legal requirements for validation. No signed agreement, no admissible evidence, and no proof of assignment were included. Despite this failure to validate the debt, the company continued to report this account to XXXX, which constitutes : A violation of FDCPA 807 ( 8 ) : Reporting or threatening to report credit information which is known to be disputed A violation of FCRA 623 ( b ) : Failing to conduct a reasonable reinvestigation upon receiving notice of dispute Furthermore, their continued collection efforts and credit reporting after being informed of the dispute and request for validation are misleading and deceptive under FDCPA 807 in general.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I properly submitted an FTC Identity Theft Report ( # XXXX ), proof of identity, and multiple disputes to TransUnion regarding a fraudulent XXXX XXXX XXXX XXXX  account. 

TransUnion initially deleted the account, confirming the fraud. But they later reinserted it without providing any written notice, which violates FCRA 611 ( a ) ( 5 ) ( B ).

That section of the law requires the credit bureau to notify me within XXXX XXXX XXXX  of reinsertion. I never received any notice. 

I have never had any relationship with XXXX XXXX XXXX XXXX, and the account remains deleted from my credit reports with Experian and Equifax, proving it is not legitimate. 

TransUnion has also failed to comply with FCRA 605B, which requires deletion within 4 days of receiving valid ID theft documentation ; which I submitted. 

Their actions are causing me ongoing harm.

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 2025-06-29 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: CA

Complaint narrative:
I received an unsolicited email from a company called clarity report working with Experian reporting several inaccuracies and unknown accounts/information with a company I was not aware of and the documents state that Experian is sharing my personal information with them none of the information is accurate. I have never applied for nor do I currently have a loan with XXXX XXXX XXXX. I am a victim of identity theft. I have never applied for a personal loan through any of the companies listed on the clarity report. I have never applied for a personal loan anywhere that is a direct result of identity theft. I did not give Experian permission to share my personal information with that company " Clarity. '' With the exception of my name, ss #, current address, and current phone number, everything that clarity agent is reporting is inaccurate. I have never lived at any of those addresses nor are any of those phone numbers associated with me. Everything Clarity is reporting is a direct result of identity theft and they said they got the information from Experian. I would like for Experian to stop reporting information that is related to identity theft.

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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This the letter I sent them I am writing in response to your recent communication regarding an account you claim to now own. The account in question is identified by the following details : Account Number : [ Account Number ] Original Creditor : [ Original Creditor Name ] Amount Claimed : [ Amount ] Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt, including proof that you are the legitimate owner of the account and that the amount you are seeking is accurate. 

As you have stated that you are now the owner of this debt, I request that you provide the following information : A copy of the original contract or agreement signed by me and the original creditor that outlines the terms of the debt. 
Proof of transfer of the debt from the original creditor to your agency, including any documents showing the chain of ownership of the debt. 
An itemized statement of the amount being claimed, including any interest, fees, or other charges that have been added to the original debt. 
A detailed explanation of how the debt was transferred to your agency and when the transfer occurred. 
Please provide this information within the XXXX period allowed by the FDCPA. Until such verification is provided, I request that you cease any collection efforts on this account. 
No response from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime Received my Tax Refund, The fund was available in my chime account, Chime decided to close the account after XXXX hours of availability, The fund was not returned nor chime refuse to pay the offset in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
Subject : Request for XXXX XXXX Account # XXXX Dear XXXX  XXXX, I hope this message finds you well. I am writing regarding late payments reported on my account # XXXX for the months of XXXX and XX/XX/year>. 

These late payments occurred during a period of unexpected financial difficulty, and I regret the oversight. Since then, I have brought the account current and remained consistent with my payments. I value my relationship with XXXX XXXX and take my credit obligations seriously. 

As a goodwill gesture, I respectfully request that you consider removing the late payment notations from my credit report. I am committed to maintaining a positive credit history going forward and hope you will grant this one-time courtesy. 

Thank you for your time and consideration.

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 2025-06-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting multiple inaccurate items related to an account on my credit reports Specifically, the following fields are incorrect : - Date of last report - Date of last activity - Account type - Payment status - Payment history I have submitted disputes to both XXXX and the credit bureaus, including documentation supporting my claim. However, XXXX has failed to investigate the dispute or correct the inaccurate information as required under the Fair Credit Reporting Act ( FCRA ). and the credit reporting agencies are saying this is verfied as accurate and you can clearly see that is a Lie, there has been no investigations at all they are just going by what the E-oscar is reporting back from computer no real person has done this investigation These inaccuracies are materially affecting my creditworthiness and have gone unresolved despite my good-faith attempts to fix them. XXXX is continuing to furnish unverified and false data, which is a violation of 15 U.S.C. 1681s-2. 

I am requesting the Consumer Financial Protection Bureau to investigate and compel XXXX and the credit reporting agencies to : XXXX. Properly investigate my dispute in full compliance with the FCRA, XXXX. Correct or delete all inaccurate information, XXXX. Provide documentation verifying the accuracy of what they are reporting, XXXX. Cease reporting unverifiable or false information. 

I have attached copies of my dispute letters, credit report excerpts, and related evidence.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
b"I applied for a credit card and give info got the card actived it called to do a lowes balance transfer of XXXX  which they said they did.but then I get a email saying there not doing it because of credit reason my credit score is over 800.I also Got a Home Depot Loan from Citi Bank that I pay on and have been for sometime over 2yrs never missed a payment but wanted to combine them and have one bill to pay with the 0 interest for 18months.I consulted my Lawyer and he said write to you to try and resolve it because I gave you all my information and you sent me a card because I was approved now all of a sudden you refuse to let me do balance Transfer I guess because it's 18 months and interest free so now you don't do it.so my lawyer said we will wait for your Response. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute information in my credit file as provided under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ]. I requested copies of the original contract, payment history, and proof of debt assignment. I did not receive the information, and it has been more than 30 days. The following items appears in my credit report and the accounts are inaccurate and/or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( listed twice with varying amounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLINE INFORMATION SERVICES Under the FCRA, you are required to investigate and delete or correct any information that can not be verified within 30 days of receiving this notice. I am requesting that this account be removed from my credit report unless the furnisher of the information can provide sufficient proof of its accuracy. 
Please conduct an investigation and inform me in writing of your findings. If the items are found to be inaccurate or unverifiable, I request that it be deleted immediately from my credit report, and that an updated report be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: TX

Complaint narrative:
To whom It may concern ; This letter results in a demand for validation of the alleged debt {$460.00} you claim I owe, as required by 15 U.S.C. 1962g [ FDCPA ] and 15 U.S.C.1681 [ FCRA ]. You are hereby notified that I dispute the alleged debt {$460.00} in it's entirely and demand full validation. Under the Fair Debt Collection Practice Act, I have the right to request the following ; [ 1 ] Full and Complete validation of the alleged debt. [ 2 ] The original signed contract bearing my signature and open date XX/XX/year>. [ 3 ] The complete payment history showing how the alleged amount was calculated. [ 4 ] The name and address of the original creditor. [ 5 ] Proof that you are legally authorize to collect in this state. [ 6 ] Proof of assignment or transfer of debt, to include chain of custody from the original creditor to your agency. [ 7 ] Notarized documentation proving your legal standing to collect this debt, Under U.S.C. 1681b [ Permissible Purpose ], you are also required to demonstrate ; that you had a legal and permissible purpose to pull or report any information regarding this account on my consumer report, reporting unverifiable, inaccurate, or incomplete information to to any credit bureau is a direct violation of 15 U, S, C, 168s-2 [ a ].

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 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX  - XXXX Under XXXX2 CFR 1006.34 ( b ) ( 5 ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues. 

I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, [ creditor_name ] is prohibited from reporting this debt without providing the necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-06-28 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:
These hard Inquiries Dont belong to me, hasnt being authorized by me and has to be remove. Also this all well. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief