vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: MI

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 : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


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

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
Duplicate and inaccurate reporting by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

XXXX changed its company name and transferred my auto loan from XXXX XXXX XXXX to XXXX XXXX, XXXX. I entered a settlement agreement and made my final payment on XX/XX/year>. 

Despite this, BOTH accounts are reporting negatively : XXXX XXXX XXXX : Equifax : Charge-off / bad debt ( This account should be closed and deleted as a duplicate. ) XXXXXXXX XXXX XXXXXXXX. : Equifax : Charge-off XXXX  : Payment after charge-off/collection XXXX  : Account legally paid in full for less than full balance This is incorrect and duplicative reporting, which violates FCRA 602 and FCRA 623. 

I only had XXXX loan. XXXX is reporting XXXX separate charge-offs for the same account, which is causing double damage to my credit. 

Additionally, the settlement paid on XX/XX/year> requires the account to reflect : {$0.00} balance Paid Settled No open charge-off/collection language

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
Duplicate and inaccurate reporting by XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

XXXX changed its company name and transferred my auto loan from XXXX XXXX XXXX to XXXX XXXX, XXXX. I entered a settlement agreement and made my final payment on XX/XX/year>. 

Despite this, BOTH accounts are reporting negatively : XXXX XXXX XXXX : XXXX : Charge-off / bad debt ( This account should be closed and deleted as a duplicate. ) XXXX XXXX, XXXX. : XXXX : Charge-off XXXX  : Payment after charge-off/collection Experian : Account legally paid in full for less than full balance This is incorrect and duplicative reporting, which violates FCRA 602 and FCRA 623. 

I only had XXXX loan. XXXX is reporting XXXX separate charge-offs for the same account, which is causing double damage to my credit. 

Additionally, the settlement paid on XX/XX/year> requires the account to reflect : {$0.00} balance Paid Settled No open charge-off/collection language

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 2025-11-29 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: IL

Complaint narrative:
Issue : Inaccurate and unverifiable reporting by XXXX XXXX XXXX  XXXX XXXX XXXX  is reporting multiple pieces of inaccurate and inconsistent information on a closed account that was opened in XXXX and paid in settlement on XX/XX/XXXX ( I have documentation to verify the payment ). 

XXXX  is reporting this account as : Potentially negative Paid in settlement {$450.00} written off XXXX late payments This information is inaccurate and violates the FCRA for several reasons : A paid/settled account can not also show a written off amount unless verifiable. 

The potentially negative designation is inconsistent with a settled/closed account. 

The XXXX late payments ( from XXXX ) can not be verified by XXXX XXXX because the account is closed and settled. 

Each reported delinquency must be individually supported and verified under FCRA 623 ( a ) ( 1 ). 

XXXX XXXX has failed to provide documentation that supports the late payments or the written-off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NY

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-11-29 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: NY

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson Capital Systems XXXX XXXX, MN XXXX RE : Dispute and Validation Request for Account XXXX XXXXXXXX I am submitting this letter to dispute an account reported under my information and to obtain validation. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting complete and thorough validation of this account. Please supply the following documentation : A copy of any original signed agreement or contract establishing responsibility for this debt. 
Proof that your organization has legal authorization to collect or report this account. 
A full itemized accounting of all charges, fees, payments, and interest applied to the account. 
Documentation showing rightful ownership or transfer of the debt, if applicable. 
Until proper validation is provided, all reporting and collection efforts must cease as required by XXXX  law. If you are unable to verify this account, it must be removed from all credit reporting agencies immediately. 
Thank you for your prompt attention to this matter. This issue affects my credit standing and requires urgent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
ComenityBank / XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Dispute and Validation Request for Account # XXXX This letter serves as my formal request for clarification and proof regarding an account reported in my name. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting complete and thorough validation of this account. Please supply the following documentation : A copy of any original signed agreement or contract establishing responsibility for this debt. 
Proof that your organization has legal authorization to collect or report this account. 
A full itemized accounting of all charges, fees, payments, and interest applied to the account. 
Documentation showing rightful ownership or transfer of the debt, if applicable. 
Until proper validation is provided, all reporting and collection efforts must cease as required by federal law. If you are unable to verify this account, it must be removed from all credit reporting agencies immediately. 
Thank you for your prompt attention to this matter. This issue affects my credit standing and requires urgent resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I contacted XXXX XXXX XXXX  XXXX  multiple times in XXXX XXXX to request hardship or payment-relief options before becoming delinquent. I am XXXX  and can not afford the next payment due. XXXX XXXX XXXX repeatedly said they can not change anything, refused to give written details, and insisted on phone-only communication despite XXXX-related limitations. I asked for written hardship info, required documents, and an explanation of options. They would not answer initial questions, gave incorrect info about needed docs, and refused to provide any written communication. Without reasonable assistance, I will become delinquent even though I tried to resolve this before the due date. I want written hardship options, a review of my case, and no negative credit reporting caused by their refusal to help.

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 2025-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Westlake Services Inc. 

XXXX is reporting a remaining balance of {$540.00} and multiple late payments on an auto loan that was closed years ago. The vehicle associated with this loan was stolen and deemed a total loss. The claim was handled by my insurance provider and my loan included XXXX protection, which means there should be no remaining balance owed on this account. 

I contacted XXXX directly and requested a full account audit and validation of the reported balance. I also requested copies of the insurance payoff, XXXX payoff, and any documentation showing how the alleged balance was calculated. XXXX has not provided any documentation supporting this balance or the late payments, and based on my records and history, I do not owe anything on this account. 

This account has been closed for years, yet XXXX continues to report : An incorrect balance Inaccurate delinquency history XXXX  status that does not reflect the total-loss settlement and XXXX  protection These errors are negatively impacting my credit and violate the Fair Credit Reporting Act ( FCRA ) because the information being reported is not accurate, not complete, and not verifiable. 

I am requesting the CFPB to : XXXX. Require XXXX to provide full documentation validating the reported balance. 
XXXX. Require XXXX to correct the account to show a {$0.00} balance, no late payments, and the proper closed status. 
XXXX. If XXXX can not validate the balance with documentation, the account should be removed entirely from all credit reports. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XXXX I lost my Chime debit card at some point in the night. On XXXX, someone went to a restaurant called XXXX XXXX XXXX XXXX and spent {$100.00}. I didnt notice the charge for few days and kept using the card through XXXX  XXXX  because I didnt notice I lost the card either. It isnt my main debit card I use day to day. I filed a dispute and was denied the very first business day that they got to investigate it. How? How was it denied instantly? I didnt spend that money. Why is my bank not protecting me? 

Since then I have had absolutely XXXX help from Chime. XXXX called their help line numerous times and every time the person either cant understand me or I cant understand them ( theyre clearly based in a different country ). I try going on the app to the chat section and their XXXX just keeps me going in a loop and I can never connect to anyone. I reached out on XXXX  over and over and once they finally got back to me they said call the number or chat with someone on the XXXX XXXX things I told them arent working. 

Please help. I need my money back and I can not believe a bank is getting away with this. Just take a look at their XXXX  support page, almost every post they reply is someone saying something similar to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
After reviewing my credit profile I noticed a account reporting on my credit profile XXXX XXXX  opened date XX/XX/year> Account number 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 2025-11-29 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 : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


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

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


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX 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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I had XXXX accounts put in my name re and I've never XXXX or even been in wells Fargo. I first had XXXX account papers mailed to me saying my pins for XXXX accounts I didn't open and the passwords. Then after I called them they told me they canceled those accounts. But a couple weeks later after I had my credit reports froze wells Fargo sent me another XXXX cards separate card accounts and pins I still have the cards and mail they came in. Since then I've had my email locked and other accounts opened in my name off XXXX and XXXX of the accounts and passwords again is wells Fargo, so I'm sure they have had some person pretend to be me and the never did there job well enough to catch that I never had a account let alone XXXX and I'm sure the XXXX a loophole open for the fraudulent activity. I'm now locked out of my accounts online with XXXX and had many attempts to charge me or bill my account I didn't open and I'm not sure where to go at this point. I'm a XXXX vet and their trying to perhaps get my XXXX checks. I dont know what wells fargo has going on with everything other than they keep opening up accounts without verifying with the real person. And leaking information onto the web.

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 2025-11-29 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: IL

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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