vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LCI Acquisition Inc.
State: NV

Complaint narrative:
Subject : Formal Dispute & Deletion Request Charge-Off Account Reporting Violations I am formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, I have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information. Specifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 17B ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching L rating ). - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ). - The Payment History Profile ( Field 18 ) does not accurately reflect the delinquency timeline that led to charge-off. These reporting inconsistencies materially misrepresent the history and status of the account, making the tradeline inaccurate and incomplete under the FCRA. Under FCRA 611 ( a ), I request that you conduct a proper reinvestigation of this tradeline and either bring the reporting fully into Metro 2 compliance or delete the account entirely from my credit file. Failure to maintain accurate reporting after notice of dispute constitutes willful noncompliance under FCRA 616 & 617, and may be subject to civil liability. Please provide written confirmation of deletion or correction within 30 days of receipt of this letter, as required by law. Sincerely, XXXX XXXX Re-Aging Violation : The XXXX has been unlawfully re-aged to a later date to extend the reporting period, violating FCRA 605 ( c ). Incorrect Status/Payment Rating : The Status 97 is not paired with the required L Payment Rating or correct PHP history, making this tradeline inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells fargo continues to deni me credit violating ECOA Law 15 US code 1691. They tell me they can not grant me credit due to my credit. I been with Wells Fargo for more than 10 years I have direct deposit with them and it's ridiculous.

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 2025-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
my email my phone number my password all have been updated an my passkey deleted so I called chime and I made contact with a man named XXXXXXXX XXXX XXXX and I requested that XXXX/Chime freeze and lock my account to prevent any unauthorized access or transactions. XXXXChime confirmed that the account would be locked, but they failed to do so. After that, unauthorized transactions went through and my money was stolen. This is a Chime system or security failure, not user error. 

I filed a dispute with Chime and requested a provisional credit under Regulation E, but they have not returned my funds or resolved the issue promptly. I am requesting that Chime immediately refund the stolen funds and properly secure my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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 am writing to formally dispute and request the immediate removal of fraudulent accounts that have been reported on my credit report. These accounts were opened or reported as a result of identity theft, and I did not authorize or initiate them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under the following provisions : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block information resulting from identity theft within 4 business days of receiving appropriate proof of identity, a copy of a police report or FTC Identity Theft Affidavit, and a written request.

FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) : Entitles me to dispute and receive notification regarding negative information resulting f
rom identity theft.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits data furnishers from reporting information they know is the result of identity theft. 

In accordance with these legal protections, I demand that the following fraudulent accounts be permanently removed and blocked from all of my credit reports within the 4-business-day period as required by law. Furthermore, I request that all collection activity related to these accounts be immediately ceased. 

Please consider this a formal dispute and request for action under federal law. I expect a written confirmation of the removal and blocking of these items.

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 2025-10-26 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: FL

Complaint narrative:
XXXX XXXX is reporting a charged-off account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  but I have not received any certified documentation proving the validity, ownership, or accurate delinquency timeline associated with this alleged charge-off. 

There are inconsistencies in reporting across the credit bureaus, including different last payment dates and differing account status remarks such as Account was in dispute now resolved and Account transferred or sold. This raises concerns about the accuracy and verifiability of the information being furnished.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), furnishers must ensure maximum possible accuracy and report only fully verified and complete information. If the account was transferred or sold, the current debt owner must provide validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Since no verifiable documentation has been provided to confirm the legitimacy, ownership, or accuracy of this charge-off, I am disputing the accuracy of this derogatory reporting as it may be unverifiable, incomplete, or misleading.

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 2025-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts that have been reported on my credit report. These accounts were opened or reported as a result of identity theft, and I did not authorize or initiate them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under the following provisions : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block information resulting from identity theft within 4 business days of receiving appropriate proof of identity, a copy of a police report or FTC Identity Theft Affidavit, and a written request.

FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) : Entitles me to dispute and receive notification regarding negative information resulting f
rom identity theft.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits data furnishers from reporting information they know is the result of identity theft. 

In accordance with these legal protections, I demand that the following fraudulent accounts be permanently removed and blocked from all of my credit reports within the 4-business-day period as required by law. Furthermore, I request that all collection activity related to these accounts be immediately ceased. 

Please consider this a formal dispute and request for action under federal law. I expect a written confirmation of the removal and blocking of these items.

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 2025-10-26 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: TX

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts that have been reported on my credit report. These accounts were opened or reported as a result of identity theft, and I did not authorize or initiate them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under the following provisions : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block information resulting from identity theft within 4 business days of receiving appropriate proof of identity, a copy of a police report or FTC Identity Theft Affidavit, and a written request.

FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) : Entitles me to dispute and receive notification regarding negative information resulting f
rom identity theft.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits data furnishers from reporting information they know is the result of identity theft. 

In accordance with these legal protections, I demand that the following fraudulent accounts be permanently removed and blocked from all of my credit reports within the 4-business-day period as required by law. Furthermore, I request that all collection activity related to these accounts be immediately ceased. 

Please consider this a formal dispute and request for action under federal law. I expect a written confirmation of the removal and blocking of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-26 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$95000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$47000.00} ACCT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I live in XXXX  and was called on XXXXXXXX XXXXXX/XX/year>, at XXXX regarding this debt. I believe this is outside of the legal window to contact me on a Sunday. I called the number back and told the representative who answered that it is unacceptable to contact me regarding a debt on a Sunday morning, then hung up. This is for a Citi Bank debt.

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 2025-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for the unlawful reporting of an alleged medical debt from XXXX  to all three credit bureaus ( XXXX XXXX TransUnion ).

Under 15 U.S.C. 1692g ( FDCPA ), a debt collector must provide competent and complete legal validation upon request. XXXX has failed to provide an original signed contract or legally sufficient documentation establishing a debtorcreditor relationship. Billing statements, itemized charges, or XXXX spreadsheets are not legally admissible validation and do not meet statutory requirements.

Their continued furnishing of this unverifiable account violates 15 U.S.C. 1681s-2 ( a ) ( FCRA ) prohibiting the reporting of inaccurate or unverified information and constitutes willful noncompliance under 15 U.S.C. 1681n. 

XXXX actions also compromise the accuracy duties of XXXX XXXX and TransUnion under FCRA 611 ( a ), making them jointly liable if the account remains.

I am demanding immediate deletion of this account from all credit bureaus, a cease of all collection activity, and regulatory enforcement for violations of federal law.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed items on my report that are either reporting incorrectly or are not mine and they keep sending back responses that its verified or no response at all and not information being given when asked how and who verified the information.

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 2025-10-26 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: SC

Complaint narrative:
COMPLAINT I have looked at my Experian credit report and notice some fraud accounts and inquiries on m y credit report when I was XXXX in XXXX and came home and found these fraud accounts on my credit report. I never authorized these accounts. Under FCR 605B an account that is reporting in as fraud on a credit report have to be blocked. Experian also sent me a letter about the data breach they had and my account is one of the accounts that data was stolen XXXX XXXX XXXX XXXX open XX/XX/XXXX amount {$21000.00}, Dept of Ed XXXX open XX/XX/XXXX {$500.00} Dept of Ed XXXX open XX/XX/XXXX {$5000.00} Dept of Ed XXXX open XX/XX/XXXX {$7300.00} Dept of Ed XXXX open XX/XX/XXXX {$3500.00} Dept of Ed XXXX open XX/XX/XXXX {$2700.00} Dept of Ed XXXX open XX/XX/XXXX {$7600.00} Dept of Ed XXXX open XX/XX/XXXX {$5500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-26 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:
XXXX XXXX is reporting a charged-off account ( Account Number : XXXXXXXX XXXX XXXX XXXX  ), but I have not received any certified documentation proving the validity, ownership, or accurate delinquency timeline associated with this alleged charge-off. 

There are inconsistencies in reporting across the credit bureaus, including different last payment dates and differing account status remarks such as Account was in dispute now resolved and Account transferred or sold. This raises concerns about the accuracy and verifiability of the information being furnished.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), furnishers must ensure maximum possible accuracy and report only fully verified and complete information. If the account was transferred or sold, the current debt owner must provide validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Since no verifiable documentation has been provided to confirm the legitimacy, ownership, or accuracy of this charge-off, I am disputing the accuracy of this derogatory reporting as it may be unverifiable, incomplete, or misleading.

Company response to consumer: Closed with explanation