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

Complaint narrative:
My son passed away with this account. I contacted Chime and they found the account and requested verification that I am the correct person to receive funds. I sent in everything requested. They refused notarized affidavit and insisted I go to court to get state of NC affidavit. I paid the money for state of NC and got affidavit. When I sent in affidavit from court they said to resend it and I did. They are now requesting more information. The email they sent prior to requesting I go to court said they had everything they needed accept the affidavit. They are now demanding more information. They have stopped responding to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Collection agency name : LVNV FUNDING LLC Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Account number : XXXX, XXXX, XXXX, XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear LVNV FUNDING LLC, I recently checked my credit report, and discovered XXXX accounts with your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. My wet signature of a contract with you company. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

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

Complaint narrative:
I am submitting this follow-up complaint regarding a XXXX account ) that has continued to reflect inconsistent and potentially inaccurate reporting across credit bureaus. The account is a charged-off account that has long been closed, but XXXX recently added a remark, then removed it, and then updated it again causing major score fluctuations with Equifax ( XXXX XXXX, down XXXX, up XXXX within 3 days ). 

These changes appear manipulative or retaliatory following a dispute. I am requesting that XXXX either : Fully delete this account from my credit reports due to inconsistencies and inaccurate reporting, I have already attempted to resolve this with the credit bureaus and XXXX. I am now requesting CFPB assistance to ensure fair and legal reporting under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am closely monitoring this situation and expect your response within XXXX days. You are required to confirm and verify that the items listed below are accurately reporting. If you can not verify them with documented proof, DELETE them from my credit report immediately. 

Additionally, send me a hard copy of the actions taken and an updated version of my credit report by mail. 

The claims listed in my credit report appear inaccurate and unverifiable. I demand accurate and fully documented reporting for each item. If you fail to comply, I will pursue legal action. 

The accounts being challenged are : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX This letter also serves as a formal notice regarding your suspected use of automated form letters in response to consumer disputes, regardless of the specific claims submitted. If true, this is a direct violation of 15 U.S. Code 1681i, which requires each dispute to be investigated on its own merit. 

The disputes I submitted were generated using public tools, which does not excuse you from proper reinvestigation. If you refuse to process my letters solely due to formatting or software used, you are intentionally violating my consumer rights. I will not hesitate to involve legal counsel if this matter is not resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am closely monitoring this situation and expect your response within XXXX days. You are required to confirm and verify that the items listed below are accurately reporting. If you can not verify them with documented proof, DELETE them from my credit report immediately. 

Additionally, send me a hard copy of the actions taken and an updated version of my credit report by mail. 

The claims listed in my credit report appear inaccurate and unverifiable. I demand accurate and fully documented reporting for each item. If you fail to comply, I will pursue legal action. 

The accounts being challenged are : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX This letter also serves as a formal notice regarding your suspected use of automated form letters in response to consumer disputes, regardless of the specific claims submitted. If true, this is a direct violation of 15 U.S. Code 1681i, which requires each dispute to be investigated on its own merit. 

The disputes I submitted were generated using public tools, which does not excuse you from proper reinvestigation. If you refuse to process my letters solely due to formatting or software used, you are intentionally violating my consumer rights. I will not hesitate to involve legal counsel if this matter is not resolved appropriately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXXI\'m in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit account with Wells Fargo.  WF recorded with XXXX XXXX XXXX0% in my Trust and 50% in my husband\'s Trust.  My husband died XXXX XXXX XXXX  My attorney advised me to have the condo recorded into MY Trust\'s name.  Through investigation, my attorney determined that at the beginning of my Line of Credit account, Wells Fargo created an Unauthorized Deed of Trust (UDOT) by not obtaining approval from XXXX XXXX XXXX XXXX XXXX   He also determined that WF recorded my condo referencing the XXXX\'s parcel number instead of my condo\'s parcel number.  XXXX XXXX XXXX initiated a complaint with Wells Fargo Enterprise Complaints Management Office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   They assigned a Case Manager, XXXX XXXX  (they never show her last name).  The Case number is XXXX XXXX XXXX XXXX.  They promised to give me an update each month.  The typical "update" bottom line is that they need more time.  This has been going on for many months, the last "update" being XXXX XXXX XXXX  via a phone message.  Same as all the other updates:  need more time.  I sent the Case Manager a letter dated XXXX XXXX XXXX requesting specific and detailed information as to what WF is actually doing, instead of the stock "update" which give little information.  I reminded them that I\'ll soon be XXXX XXXX XXXX and would certainly like this issue to be completed soon.  (Early on, WF informed me that for them to record into my Trust\'s name, I would first have to pay off the balance of the Line of Credit account.)'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$64.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. Despite multiple attempts to resolve this matter directly with the company involved, I have not received any assistance or correction from them. I have reached out to the company several times to address the issue, but they have been unresponsive and unwilling to provide any resolution. As a result, I am turning to you to investigate this matter and correct the information under the Fair Credit Reporting Act ( 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 2025-06-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reviewed my credit profile and noticed inquiries/ or collection that i have not given written Instruction to XXXX to report to my file. According to The FCRA this is in violation of 15 USC 1681b -PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT. 
LIST ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
They stated that I owe XXXX, and gave me an address where to send the check or money order to XXXX, AL which was totally different from the address where the letter came from. XXXX different addresses seem to be strange to me as well as calling me from different numbers every day, it had no email address listed in the letter for contact or a direct phone number. When I researched the number and finally reached a customer service representative, the said account number listed on the letter wasn't found by the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
This company isnt reporting the correct information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
Collection agency name : Continental Finance Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX Account number : XXXX, XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Continental Finance Company, I recently checked my credit report and discovered two accounts with your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. My wet signature of a contract with you company. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EdFinancial Services
State: MD

Complaint narrative:
I am receiving tons of mail stating that I am responsible for an incorrect debt. Once the school XXXX me under false allegations, they dismissed me from completing my XXXX. That's when I was told I had to pay a total of {$650.00} to continue XXXX, which I did not understand, given that I was on a XXXX. I feel harrassed and that illegal debt has been put in my name and has been ruining my credit. Each email states different amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: LA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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