vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: FL

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 id-entity 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 : XXXXnder 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 explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: DC

Complaint narrative:
on XX/XX/XXXX i put down half for an XXXX  through chime for my son birthday which was around XXXX things didnt go right so i asked the host of the XXXX  if i can cancel first he told me he wouldnt be able to cancel it i had to go through customer service when i talked to a lady from customers service she told me he would be able too since it was his home we booked she called the man so i can cancel it he told the lady he didnt want to give me a refund she was confused cause on the app it say if i cancel before XX/XX/XXXX i will receive my refund i cancelled XX/XX/XXXX & chime denied my case multiple times saying he had more proof than me which he didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Subject : Formal Dispute Inaccurate and Unverified Account Reporting ( FCRA 611 ) To Whom It May Concern, I am formally disputing the reporting of an account allegedly related to LVNV Funding LLC XXXX Resurgent Capital Services, L.P., originally with XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX / Ref # XXXX. 

I previously requested full debt validation from the collector, and they responded with only a self-created account summary, not an original signed agreement or creditor documentation.

Under the Fair Credit Reporting Act ( FCRA 611 ), all items reported to a consumers file must be accurate, complete, and verifiable. Since the collector failed to provide proof of ownership or a signed contract, this account is unverified and must be deleted. 

I am requesting an immediate reinvestigation and deletion of this account from my credit report. Please provide written confirmation of your findings within 30 days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received my moms survivor benefits check from XXXX in California or the state controller office. The check was for {$77000.00}. I deposited it on XX/XX/XXXX. They said there was gon na be a hold which the funds were gon na be released on XX/XX/XXXX on XX/XX/XXXX. I got a bunch of emails saying I need to reach out to the certain department because my accounts have been restricted. This was a Sunday night, so of course no one was there to answer when I called wait until Monday morning at XXXX XXXX  and the lady on the phone tells me that she has no explanation as to why she no one wants to be business with me and doesnt tell me whether or not it was something wrong with the check or the pay warrant come Wednesday the day the check was supposed to clear I get a notification of the check stay clear and the funds have been released into my account. I have been into the branches about XXXX times the past XXXX days Ive been on the phone XXXX times the past 10 days they will not my funds to me or unlock my account or give me a reason as to why they locked up and shut down all my accounts, but they did it with a {$77000.00} check in it and the refusing to give me the funds at all or tell me that the funds are gon na be included in this final check, they say theyre gon na send out in XXXX. I have deposited numerous large checks in this account because I opened it right after my mom passed away. And every time I go in now, they look at me like Im some sort of criminal and that check was fake. I had documentation from XXXX and the state comptroller office stating that I am entitled to these funds and the fact that they are not following basic bank rules as far as checks and not even following regulation cc as they are supposed to now Im about to be evicted in the next XXXX days, I have to return the brand new car. I just bought because they dont want me to have access to my funds and now theyre telling me I have to wait till XXXX to get the funds that are remaining in the account and that theyre gon na leave my account open for the next XXXX days also on top of it the past couple days I have been receiving emails regarding my Chase checking account and someone elses opening other secure checking account in my name that have to correspond with my username so why are they allowed to let people open my accounts fraudulently when theyre telling me that I have no access to the account and I no longer will and they dont want to do business with me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of a sophisticated romance scam and coercive debt scheme that occurred between XXXX and XX/XX/2024. The scammer used a fake identity on XXXX XXXX to defraud me of over {$9000.00} through prolonged psychological manipulation, false promises, and threats. 

Important Context : I did not immediately recognize or report the fraud because the scammer 's manipulation and coercive tactics were so effective that I was unaware I was being defrauded for several months. This is a common psychological effect of such scams. 

My complaint is against XXXX entities : XXXX. Wells Fargo : When I realized the fraud and reported the coerced transactions, I provided evidence of the scammer 's fake identity and the coercive context. Wells Fargo ultimately denied my claim, stating I had " authorized '' the payments, completely ignoring the documented fact that my consent was obtained through fraud and coercion. 

XXXX. XXXX XXXX ( XXXX, XXXX ) : XXXX XXXX has denied my request for recourse, hiding behind the fact that I pressed " send, '' while willfully ignoring that the recipient was using a demonstrably fake identity to commit a crime. 

XXXX. XXXX  XXXX : I lost over {$2000.00} to the fake profile via my XXXX XXXX XXXX XXXX debit card. I haven't formally complained to XXXX XXXX yet. 

Desired Resolution : I want Wells Fargo to reverse the remaining fraudulent charges. I want XXXX XXXX to be held accountable for allowing fraudulent accounts to operate. Both institutions enabled this crime by failing to have reasonable policies for victims of coercion.

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 2025-11-02 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: CA

Complaint narrative:
My closed XXXX  XXXX XXXX credit card ( last XXXX digits XXXX XXXX XXXX XXXX XXXXXXXX ) is being reported through XXXX TransUnion feed as a Revolving Account with a {$3000.00} credit limit and 40 % utilization ( {$1200.00} balance ), even though it was closed on XX/XX/XXXX. 
The report also shows Collection/Charge-off while listing 0 late payments and 0 derogatory marks, which indicates a serious data-integrity conflict in TransUnions Metro 2 reporting system. 
This false reporting affects my credit utilization ratio and overall score. 
This violates FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ). 
Please conduct a full data audit, verify the furnisher response from XXXX  XXXX XXXX, and either correct or suppress/delete this tradeline. 
Attached evidence : screenshots from XXXX dated 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 non-monetary relief
Consumer complaint received 2025-11-01 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: SC

Complaint narrative:
Subject : Request for Compliance with 15 U.S.C. 1681e ( a ) Verification of Accuracy and Reliability Dear [ Credit Bureau Name ], I am writing to request that you comply with your obligations under 15 U.S.C. 1681e ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Upon reviewing my credit report, I have identified information that I believe may be inaccurate, incomplete, or unverifiable. Please conduct a thorough investigation into the following items to verify their accuracy : 1. [ Creditor Name / Account Number / Description of Item ] Issue : [ Explain briefly why its inaccurate or unverifiable, e.g., Account shows late payment from 2023, but I have documentation proving on-time payment. ] Please provide : The method of verification you used to determine the accuracy of the information ; The name and contact information of the furnisher that verified the data ; and A corrected credit report reflecting any deletions or updates made as a result of your investigation. If you can not verify the accuracy of the information in compliance with 1681e ( a ), please delete the item immediately pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). Thank you for your prompt attention. I expect your written response within 30 days as required by law. Sincerely, [ Your Signature ] [ Your Printed Name ] [ Date of Birth / Last Four of SSN for Verification Purposes ] Would you like me to tailor this letter to a specific item or credit bureau ( e.g., XXXX, XXXX, TransUnion )? I can generate a version ready to send.

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 2025-11-01 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: SC

Complaint narrative:
Subject : Request for Compliance with 15 U.S.C. 1681e ( a ) Verification of Accuracy and Reliability Dear [ Credit Bureau Name ], I am writing to request that you comply with your obligations under 15 U.S.C. 1681e ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Upon reviewing my credit report, I have identified information that I believe may be inaccurate, incomplete, or unverifiable. Please conduct a thorough investigation into the following items to verify their accuracy : 1. [ Creditor Name / Account Number / Description of Item ] Issue : [ Explain briefly why its inaccurate or unverifiable, e.g., Account shows late payment from 2023, but I have documentation proving on-time payment. ] Please provide : The method of verification you used to determine the accuracy of the information ; The name and contact information of the furnisher that verified the data ; and A corrected credit report reflecting any deletions or updates made as a result of your investigation. If you can not verify the accuracy of the information in compliance with 1681e ( a ), please delete the item immediately pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). Thank you for your prompt attention. I expect your written response within 30 days as required by law. Sincerely, [ Your Signature ] [ Your Printed Name ] [ Date of Birth / Last Four of SSN for Verification Purposes ] Would you like me to tailor this letter to a specific item or credit bureau ( e.g., Equifax, XXXX, XXXX  )? I can generate a version ready to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NY

Complaint narrative:
This is my third dispute round with Experian. I have 6 negative accounts still reporting inaccurately. I submitted disputes with documentation, including a bankruptcy court letter confirming the court does not furnish data to CRAs. Experian has failed to conduct proper reinvestigations as required under FCRA.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out directly to XXXX XXXX XXXX XXXX to have the late payment removed because the payment was indeed not late and they sent me a dispute letter and told me to send it to the credit agencies to have the late payment removed

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reached out directly to XXXX  XXXX XXXX XXXX to have the late payment removed because the payment was indeed not late and they sent me a dispute letter and told me to send it to the credit agencies to have the late payment removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reached out directly to XXXX  XXXX XXXX XXXX to have the late payment removed because the payment was indeed not late and they sent me a dispute letter and told me to send it to the credit agencies to have the late payment removed

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 2025-11-01 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Formal Request to Unfreeze Credit Reports Pursuant to the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance ( XXXX ) Standards Dear Compliance Department, This correspondence serves as my formal notice and request under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consistent with XXXX XXXX / XXXX  compliance standards, to unfreeze my consumer credit reports currently maintained under my name and personal identifiers listed above. 

I am exercising my rights under FCRA 605A and 609 ( a ) to : 1. Unfreeze ( thaw ) my credit reports in full to allow authorized furnishers and entities to access them.

2. Request that any updates, corrections, or notices regarding my credit be sent to my current address listed above.

3. Receive written confirmation and documentation that my credit reports have been successfully unfrozen and are active.

Preferred Method of Response : Please send all correspondence, updates, or confirmation of unfreeze to : Mail : XXXX XXXX XXXX, XXXX, LA XXXX Email : XXXX I appreciate your prompt attention and compliance with this request under the FCRA, FACTA, and XXXX XXXX XXXX standards. Please ensure that confirmation is issued within the statutory timeframe outlined in the FCRA. 

Respectfully, 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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My name has been used multiple times trying to purchase a vehicle over 20 hard inquiries and I havent applied for a car ever

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 2025-11-02 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: AZ

Complaint narrative:
I requested the an old collection account to be removed and Experian  is the only Credit Bureau that has not deleted it. XXXX  and XXXX  removed the Collection Account that Portfolio Recovery placed on me Experian Credit Report Many years ago but Experian has not Deleted it and I don't know why

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 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Branch manager was supposed to close one joint account with very little money. But she commented that my individual account had a lot of money and was a tempting target for theft. Then she closed my wife 's account ( my wife passed away 3 weeks ago ) and gave me the remaining funds. That was XX/XX/XXXX. I found out today when I logged on that I had a balance of 0 in my account and that it was closed. I think she knew what she was doing. They said that the XXXX XXXX would be sent by a cashier 's check to my home. But when I called the fraud department at Wells Fargo they said that this seems like fraud because they do not send large checks by mail. When I went to the bank this morning they could not resolve and the bank manager was not there. They told me there is nothing that can be done. So, I have no account ( where all my bills are paid from and where all my deposits go to - SSI, Annuity payments, ... ) and no money!!

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am writing to formally dispute information that your company is reporting to the credit bureaus regarding my account. Upon reviewing my credit report, I found that the account listed under American Credit Acceptance reflects an incorrect balance or account status that does not accurately represent the current state of the account.

Company response to consumer: Closed with explanation